Health Savings Account or Flexible Spending Account?
Is a Health Savings Account or Flexible Spending Account Right for My Employees? When it comes to tax-advantaged healthcare accounts, two options often come up: Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). Both offer ways to save on medical expenses, but they work differently—and choosing the right one depends on your health plan […]
Marijuana Use and Life Insurance Eligibility & Rates
Marijuana Use and Life Insurance First and foremost, this is not an argument in favor or against recreational marijuana use. This is also not an endorsement of it’s use. The following is to simply bring to light the underwriting attitudes regarding marijuana by most life insurance companies today. Over the last several years, public attitudes […]
What If I Initially Went Without Medicare Part D?
What if I did not get the Part D Prescription Drug Plan during my initial enrollment? Part D of Medicare is your prescription drug coverage. The Centers for Medicare and Medicaid Services (CMS) says anyone who is 65 years or older should start their Part D during their initial enrollment period. Many of our clients […]
Six Things to Know About Umbrella Insurance
Six Things to Know About Umbrella Insurance By Allen Laman | June 16, 2025 / Insurance Journal What Is an Umbrella Policy? An umbrella liability policy is designed to pick up where underlying liability insurance policies leave off. This could mean that once the underlying coverage is exhausted due to the payment of a claim, the umbrella policy […]
Health Insurance Open Enrollment Do’s & Don’ts
Benefits Breakdown: Open Enrollment Do’s & Don’ts Open enrollment season can be a stressful time for HR teams and employees alike. But with the right approach, it doesn’t have to be. Whether you’re preparing for your first enrollment or you’ve done this a dozen times, a smooth open enrollment period starts with clear communication and […]
Does Medicare have plans that cover me if I am a “snowbird”?
Does Medicare offer plans that cover me if I spend my winters down south? I have heard clients say many times “the best part of retirement is I can go anywhere I want whenever I want”, I wish I had a dime for every time I have heard this statement. However, it is usually followed […]
Risk Management for Your Commercial Boiler
For safe and proper operation, your boiler needs space and air. No matter the season, proper boiler maintenance is a critical component of your risk management program. Many boilers are confined to small, separate rooms or basements that double as janitor closets and storage areas for just about everything. Keep in mind that, like us, […]
What Are Voluntary Employee Group Benefits?
Voluntary Benefits Are A Big Value Without a Big Price Tag When employers think about enhancing their benefits package, the first concern is often cost.  What if you could offer employees more without raising your budget? This is where voluntary benefits come in. What Are Voluntary Benefits? Voluntary benefits are additional coverages employees can […]
Will I Be Automatically Enrolled in Medicare at Age 65?
Will I Be Automatically Enrolled in Medicare at Age 65? If you receive Social Security, Railroad Retirement, or disability benefits, you will be enrolled in Medicare Part A and Part B. Three months before turning 65 or after 24 months of disability, you will receive an Initial Enrollment Package with Medicare details, a questionnaire, and […]
Why an Independent Insurance Agency Instead of a Captive?
An independent agent gets to know you and your insurance needs. When purchasing insurance, you may have many questions such as: How do I know what type of insurance I need? How much coverage is the right amount? What is the right insurance company for my lifestyle? If my needs change, who will be able […]
