3 Advantages Of Business Overhead Expense Insurance | Here’s Why Business Owners Should Consider This Unique Insurance

Updated: January 15, 2022 at 7:05 am

If you are a small business owner, say a hairstylist, and suddenly disabled, have you ever thought about how you would pay your studio rent? Thankfully, this is where business overhead expense insurance helps.

Oh, John, you say. I already have this insurance.

No. You probably don’t. You probably have business interruption insurance. That is through your commercial liability insurance. That is completely different.

What I am talking about is a policy that pays your business expenses if you can’t work due to an illness or injury. How will you pay your business rent, payroll, county taxes, etc. if you can’t work?

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4 Reasons Why Indexed Universal Life Insurance Is A Good Investment For Children | We Discuss The Advantages, Disadvantages, And Other Options

Updated: January 5, 2022 at 8:07 pm

Many parents and grandparents purchase life insurance on their children or grandchildren. Usually, the life insurance is a whole life insurance policy. Did you know that indexed universal life insurance is a great option for children?

John, I heard these have too many moving parts and a waste of money, you say.

Well, yes and no. We have discussed some of the disadvantages of indexed universal life. Additionally, we will dive into some of the details of indexed universal life insurance.

But, indexed universal life insurance might be a solid investment for children and grandchildren.

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5 Reasons Why Association Disability Insurance Plans Can Be A Waste Of Money | Usually; We Give You The Inside Information So You Can Make An Informed Decision

Updated: December 14, 2021 at 7:33 am

If you are a professional and a member of an association, you’ve probably received information in the mail about your association’s disability insurance.

You don’t have any yet, and you are aware of how important disability insurance is.

So, you think, why not?

You download the application, fill it out, submit it, and pay the first month’s premium.

You are happy, until you make a claim. Then, you don’t receive the benefit you expect.

In this article, we discuss why association disability insurance plans are potentially a waste of money.

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A Term Life Insurance Plan That Doesn’t Impact Medicaid Eligibility | We Discuss A Viable Option For You And Your Family

Updated: November 14, 2021 at 9:02 pm

In this article, I am going to tell you about a term life insurance plan that works well for Medicaid recipients.

John, I heard term life insurance isn’t a good purchase because of underwriting and the term itself.

Well, that can be true. Hear me out.

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5 Important Differences Of Group vs. Individual Life Insurance | Understand These Key Differences So You Can Make An Educated Decision

Updated: October 23, 2021 at 9:23 am

If you are an employee of a company, you likely have employer-sponsored (i.e. group) insurance benefits. One of the most common benefits offered to employees is group term life insurance. Many people sign up for this benefit and then forget about it. They think they are all set, or their group plan will always be there for them. However, you might be doing a disservice to yourself and your family if you think this way. In this article, we compare group vs. individual life insurance and explain 5 key differences.

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