Insurance Blog

Should I Sign Up For Life Insurance Through Work If I Already Have A Life Insurance Policy?

Life insurance is offered by some employers as part of their group benefits package. Usually, the employer pays for most or all of the premiums. Companies are not required to provide life insurance for their employees. When they do, it is a nice benefit, and you should take advantage of it. If you already have an individual life insurance policy, that is ideal, as group...

Is Dental Insurance Worth It If I Only See My Dentist For Cleanings?

We all know the importance of having medical insurance with the rising costs of healthcare today. But what about dental insurance? Is it worth it if your oral health is good, you brush and floss regularly, and you only see your dentist twice a year for a cleaning and exam? Dental Insurance Is Different Than Medical Insurance Dental insurance is a completely different product than...

How A Traffic Ticket Can Affect Your Life Insurance

No one is perfect, and most people get a traffic ticket at least one in their lifetimes. But the truth is, your driving record can significantly affect your life insurance. If you have a current life insurance policy and you get a speeding ticket, it will not affect your rates. On the other hand, if you are applying for a new policy or additional coverage,...

What Does Being “Vested” In Your 401(k) Mean?

As defined by the IRS, vesting in a retirement plan means ownership. Each employee vests a certain percentage of their account in the 401(k) plan every year. An employee who becomes 100% vested in his or her 401(k) account balance owns 100% of the balance. When this occurs, the employer cannot take it back (forfeit) for any reason. Amounts that are not vested in a...

Staying Healthy During The Holidays

Many Americans put on weight over the holiday season from Thanksgiving through New Year’s Day. This is also a time when people are more likely to come down with a cold or the flu or to suffer from a hangover from all the holiday parties. The following are some tips to help you stay healthier during the holidays. Don’t Overeat Try to steer clear of...