Looking for Cheaper Homeowners Insurance?
Looking for Cheaper Homeowners Insurance? Insurance shopping advice often focuses on finding the cheapest price. Do you know what trade off you are making to get the cheapest price? Finding the cheapest insurance can leave you with unintended coverage gaps or poor customer service. If you are like most people, you want good coverage without […]
Choosing life insurance coverage with confidence.
How to Be Confident When Choosing Life Insurance Coverage BY PEKIN INSURANCE · JUN 16, 2020 ·2 MIN READ You get an inspection before you buy a home. When you’re in the market for a new car, you read reviews and shop around. The point is, you build confidence by narrowing choices and feeling informed. […]
Why do my Medicare Supplement premiums increase?
On January 16th we described the three ways in which Medicare Supplement premiums are rated. Today, we take a look at why the premiums usually go up each year. Rising costs have always been a thorn in the side of the public. The same is true with Medicare Supplement plans. No matter how these products […]
How will my family pay if I end up in a nursing home?
According to Genworth’s “Cost of Care Survey“, the average cost of a nursing home in Ohio is $7,908 a month for a semi-private room, and $9,034 for a private room. “But what if I’m able to stay in my home and have someone come to me?” Homemaker services today average $4,957 a month, while a […]
Why is my insurance increasing, and will it continue?
January Renewals See Hardest Property Catastrophe Reinsurance Rates in Generation By L.S. Howard | January 4, 2023 / The Insurance Journal (unfortunately, it’s not getting better anytime soon) A convergence of global events has led to the hardest property-catastrophe reinsurance market in a generation and a “complex,” “grueling” and “late” January renewal season, which went down to […]
How much life insurance can I buy for the same monthly cost as YouTube TV?
Most people go without adequate life insurance coverage because they grossly overestimate the cost of a life insurance policy. But we don’t think twice about paying for our cell phones, internet, and streaming services. None of which will help our families pay the bills and stay in the family home in the event of a […]
How are Medicare Supplement Premiums determined?
The premiums charged for Medicare Supplements can be determined by three different premium types. These would be “attained age”, “issue age”, and “community rated”. Each state in the US has one that’s more popular than the others. As you approach Medicare age or eligibility, please be aware as to how these three rating types differ […]
Life Insurance Can Cover Your Family Through Every Stage
Life Insurance Can Cover Your Family Through Every Stage BY PEKIN INSURANCE · JAN 3, 2020 ·3 MIN READ Time travel. That’s the only way to explain how the years disappeared. In the blink of an eye, a carefree teen changed into an adult with a house, a committed partner, and a family. Don’t worry! […]
Good Medicare changes for Insulin and the Shingles Vaccine
Beginning January 1, 2023 there have been coverage changes regarding Insulin for those on Medicare resulting from the Inflation Reduction Act. Prescription Drug Plans (PDP) cannot charge you more than $35 for a one month supply of each covered insulin that you are prescribed. Companies can also no longer charge you a deductible for those drugs. […]
Do I get Vision and Dental Coverage with Medicare?
We are often asked if Medicare includes coverage for routine vision exams, glasses, contacts, dental cleanings, or routine hearing exams. The answer depends on what kind of Medicare plan you have. Traditional Medicare Supplements do not cover routine visits to the eye doctor, dentist, or audiologist. Medicare will generally only cover dental procedures in an […]