Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

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...

What Happens To My Mortgage Protection Insurance If I Sell My House?

When you purchase a home, you are likely to get offers for mortgage protection insurance, a type of life insurance that will pay off your mortgage in case you die or become disabled. This provides protection for your family if you are no longer there or no longer able to work to pay the mortgage. If you die, with some policies, the proceeds go directly...

How Much Should I Put In My HSA?

If you have opted for a health savings account (HSA), the next question is how much to put into it. To qualify for an HSA, you must have chosen a high-deductible health insurance plan. Having a health savings account can help you cover your deductible and other out-of-pocket healthcare expenses, both now and in the future. The following steps may be helpful in calculating how...