Insurance Blog

Low-Impact Exercises For Healthy Living

The benefits of exercise are well-known to most people. It can help you lose weight, reduce your risk of heart disease, help you manage blood sugar, improve your cognitive function, and elevate your mood and mental state. But high impact exercise can have a negative impact on your joints. Many adults today are choosing low impact exercise to maintain a healthy lifestyle. What Exactly Is...

What Happens To My Life Insurance If I Am In A Coma?

A coma is a state of extended unconsciousness due to inefficient brain function. This unresponsive state can be caused by a traumatic blow to the head, oxygen deprivation from choking or drowning, severe infection, exposure to toxins, or extremely high blood sugar. Under most circumstances, life insurance policies do not pay out as long as the policyholder remains alive. If you are in a coma...

Medicare Plan - ANOC (Annual Notice of Change)

Medicare Plan "Annual Notice of Change" (ANOC): Over the next few months, you will receive a ton of information about Medicare, from insurance brokers and health plan sponsors. It’s all meant to help you understand your coverage choices and make informed decisions during the Medicare Annual Enrollment Period (Oct. 15 – Dec. 7). When it comes to making a decision, you have our team at...

Understanding 401(k) Terms: Sponsor & Third-Party Administrator

A 401(k) plan is an excellent benefit for employers to offer employees. It is a tax-deferred, defined-contribution retirement account that gets its name from a section of the IRS Code. Many employers offer matching funds for all or part of their employees’ contributions to a 401(k) plan. If you are opening a 401(k), two key terms to understand are “sponsor” and “third-party administrator.” What Is...

The Importance Of Stretching Before Exercise

For decades, we have been told about the importance of stretching before exercise. But how many people really understand why it is so important? In a nutshell, stretching serves as a critical link for the body between a sedentary state and physical activity. What Makes Stretching So Important? If you want to be truly fit, it is not enough to build muscle and get aerobic...