I do not take medications, do I have to get Medicare Part D?
What if I did not get Medicare Part D Prescription Drug coverage 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. Clients often ask “If […]
How Can I Increase What I’m Able to Give to Charity?
I really want to do more to support the charities that I care about. How can I maximize my level of charitable giving? No matter how old we are, what we do for a living, how much money we make, or where we live – we all want to make a difference in the world. We […]
Record Quarterly Loss for the Insurance Industry in 2023
U.S. P/C Industry Posts Record Q1 Underwriting Loss: S&P May 24, 2023 / The Insurance Journal An analysis from S&P Global Market Intelligence found that the finger can be pointed at personal lines carriers for most of the property/casualty industry underwriting red ink during the first quarter. The U.S. P/C industry posted its largest […]
When Can I Make Changes to My Medicare Coverage?
The Medicare Annual Enrollment Period, known as AEP, is right around the corner. Did you know you should revisit your Medicare coverage, including Medicare Advantage plans and Part D Prescription Drug plans, (PDPs) every year? Between October 15th and December 7th, you have the opportunity to revisit your current plans and see if they are […]
What is a Ride Share Endorsement and Why Should I Beware?
The Times They Are A-Changin’ – Bob Dylan No truer words have ever been spoken, especially in regards to exposures to loss and the insurance industry. Today, things change at a pace never before seen in human history and some industries (cough, insurance) are not structured in ways (nor should they be) that allow for […]
Why You Need a Home Inventory and How to Make One
Why You Need a Home Inventory and How to Make One Read time: 3.5 minutes A home inventory is a crucial tool to prepare you and your family for storm season and other emergencies. By assessing what you have in your home, you can feel confident when it comes time to report what you’ve lost. […]
Does the cost of Medicare go up each year?
Do Medicare premiums increase each year? The cost of Medicare is decided by the government. This costs will vary from year to year and is generally based on 2 factors: Medical inflation and the age of the individual being covered. The benefits covered by the plan you chose generally don’t change much from year to […]
Thefts of Kia and Honda Automobiles Continue to Soar.
As thefts of certain Honda and Kia models continue to soar, many auto insurance companies are now pushing back. Some auto insurance companies now flat out refuse to insure certain models, while most others will only do so if acceptable remedies have been implemented. Since 2021, thefts of 2011 to 2021 Kias and 2015 to […]
What is the BEST Life Insurance available to me?
What is the best Life Insurance I can get? Almost right up there with “what is the meaning of life”, this has been debated non-stop for what seems to be forever. Every talking head, financial “expert”, YouTube guru under the sun continues to preach to the masses that one life insurance product is better than all the others. “Term […]
How often should I review my Prescription Drug Plan?
Prescription drug costs can change from year to year. Pharmacies that were once “in network” for your drug plan, often go “out of network” or vice versa. Prescription drug changes can affect the monthly cost of your stand alone drug plan, or PDP. Each of these reasons are why we highly recommend reviewing your stand […]