Medicare Renewal

Medicare Renewal: Understanding Enrollment and Renewal Requirements

Medicare Renewal: Understanding Enrollment and Renewal Requirements Medicare is a federal health insurance program for people 65 and older, people with certain disabilities, and people with End-Stage Renal Disease (ESRD). Once you are enrolled in Medicare, you are generally required to renew your coverage every year. Enrollment periods There are two main enrollment periods for…

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income annuity

What Is An Income Annuity?

What Is An Income Annuity? An income annuity is a type of insurance policy that provides you with a guaranteed income stream for life or for a specified period of time. When you purchase an income annuity, you give an insurance company a lump-sum payment, and in return, they agree to pay you a fixed…

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Back To School Health Insurance Coverage

Back To School Health Insurance Coverage    Students of all ages may find health insurance through employment, institution based student health plans. Most colleges and universities — and some trade schools — require health insurance for students. This mandate may apply to full-time and part-time students from undergraduate to graduate school. Often, health insurance plans…

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Variable-Life-Insurance

Variable Universal Life Insurance

Variable Universal Life Insurance (VUL) Variable universal life gives you the protection of a basically tax free death benefit along with the flexibility to tailor your policy as life needs are subject to constant change. Hence the word variable. If you are interested in growing your wealth, VUL might be a good fit. Reason being…

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Restoration Benefit

Restore Benefits in Health Insurance

Restore Benefits in Health Insurance Restoration benefit in health insurance is a feature that allows you to replenish your health insurance’s deductible and out-of-pocket maximum after you have met them. This can be a helpful way to save money on your health care costs, especially if you have a high-deductible health plan. There are a…

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