Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
Am I Getting Enough Sleep?
Posted: August 22, 2020
The quantity and quality of your sleep play an important role in overall health. We all know what a difference a good night’s sleep can make in energy level and outlook toward life. How do you know when you’re getting enough good quality sleep? You know when you feel well-rested and refreshed. What Happens When You Don’t Get Enough Sleep? If you are like most...
Am I Required To Buy A Company’s Life Insurance Once They Finance An Exam?
Posted: August 22, 2020
Except for guaranteed issue and other no-exam life insurance policies (with higher rates and lower face value), most insurance companies will require an in-person medical exam. A company representative will arrange for a physical exam to be conducted by a licensed healthcare professional selected and contracted by the life insurance company. This does not mean you are under any obligation to purchase life insurance from...
Am I Required To Have Homeowners Insurance?
Posted: August 16, 2020
There is no law that says you have to purchase homeowners insurance if you own a home, as stated by the Insurance Information Institute (III). However, very few home buyers can pay cash upfront for such an expensive purchase. Most people will need to finance most of the cost of a home, and that means going to a mortgage lender. As a condition for obtaining...
What Happens To My 401(k) If I Move To A Different Country?
Posted: August 13, 2020
If you are a foreign worker in the U.S., planning to return home, or a U.S. citizen planning to move abroad, you may be wondering what happens to your 401(k) account when you leave the country. In this scenario, you have several different options from which to choose. Leave Your 401(k) In The U.S. When you leave your 401(k) in the U.S., you retain the...
Does Health Insurance Cover Mental Health Treatment?
Posted: August 10, 2020
As reported on HealthCare.gov, mental health and substance abuse services are covered as essential benefits under all Marketplace plans. These plans are required to provide “parity” protections between medical and surgical benefits and mental health and substance abuse benefits. What this means, generally, is that the limits cannot be more restrictive for one than the other. This parity applies to: Financial limits, such as copayments,...
