Life Insurance

Blog tagged as Life Insurance

What is a Health Savings Account and do I need one?

Health Savings Accounts, or HSAs, are a way to set aside money tax-free to pay qualified medical expenses. The money can be kept in a bank or a brokerage and is used to pay out of pocket expenses like deductibles and co-payments - much like a Flexible Spending Account (FSA) plan, but there are some ...

Joe

12/03/2020 19:30 - Comment(s)

Dental Health is about more than a pretty smile

According to the Mayo Clinic, an unhealthy mouth can cause a number of very serious diseases, including:

Endocarditis, an infection of the inner lining of your heart chambers or valves.

Cardiovascular disease, including clogged arteries and stroke.

Pregnancy and birth complications, like...

Joe

12/02/2020 21:15 - Comment(s)

What is a Scope of Appointment?

A Scope of Appointment (SOA) is a form outlining exactly what plans you would like to be presented in your meeting with a Medicare plan broker. The SOA ensures that you are not “pitched” plans other than those you originally requested. This requirement was put in place to prevent Medicare be...

Joe

12/02/2020 21:15 - Comment(s)

What To Do If You've Been Turned Down For Life Insurance

A good insurance broker will very seldom submit a clients application for underwriting without being relatively certain that they will be covered. We called this field underwriting, end it is just what it sounds like: As an agent, I know your companies' underwriting guidelines and I know the rig...

Joe

12/02/2020 19:20 - Comment(s)

Five Insurance Changes to Consider After a Divorce

There is a lot to do after a divorce but at least you don't have to tackle the insurance alone when you work with a full service agency like Dayton's Bluff Financial. Call or email us to schedule a comprehensive policy review if you're recently divorced (or if you're not-s...

Joe

11/13/2019 00:00 - Comment(s)