Do You Need Long-Term Care Insurance?

Here’s what you need to know about long-term care insurance — the kind that covers in-home care, assisted-living apartments and nursing homes. If you’re of modest means — a few thousand in the bank, a little home equity — don’t get it. You probably can’t afford it, and Medicaid will pick up the bill after…

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We Understand Your Life Changes…

…So does your insurance needs. That’s why we’d like to help you get exceptional coverage and value from your homeowners insurance based on your needs today. As an independent agent, we can help protect what you care about with homeowners insurance that’s packed with unique features, benefits and cost savings. The Choice Is Yours –…

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How Employer-Sponsored Health Insurance Differs at Big and Small Businesses

Many people are aware that big companies are much more likely than small businesses to offer employer-sponsored health insurance to their employees. The Medical Expenditure Panel Survey (MEPS), an annual effort to query nearly 40,000 establishments, conducted by the Federal Government’s Agency for Healthcare Research and Quality shows that only 34.8 percent of private sector…

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How Your Body Signals That You’re Vitamin Deficient

Skimping on certain nutrients can result in unusual symptoms. By Wendy Schmid, Q by Equinox When your body is trying to tell you something — for example, that you’re skimping on critical vitamins — it may go to some strange lengths. “With today’s diet of processed foods it’s easy to become vitamin deficient — either by…

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Is Life Insurance Really Necessary?

In order to answer the question “Is Life Insurance Really necessary?” you need to understand the following: What Is Life Insurance? Many people don’t fully understand what life insurance is and how it works. This is partly because life insurance is somewhat complex, and partly because it is a very flexible type of insurance that…

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