Should I Sign Up For Life Insurance Through Work If I Already Have A Life Insurance Policy?
Posted: December 13, 2019
Life insurance is offered by some employers as part of their group benefits package. Usually, the employer pays for most or all of the premiums. Companies are not required to provide life insurance for their employees. When they do, it is a nice benefit, and you should take advantage of it. If you already have an individual life insurance policy, that is ideal, as group...
Is Dental Insurance Worth It If I Only See My Dentist For Cleanings?
Posted: December 10, 2019
We all know the importance of having medical insurance with the rising costs of healthcare today. But what about dental insurance? Is it worth it if your oral health is good, you brush and floss regularly, and you only see your dentist twice a year for a cleaning and exam? Dental Insurance Is Different Than Medical Insurance Dental insurance is a completely different product than...
Liquor Liability Insurance Vs. Brewery, Vineyard, and Distillery Insurance
Posted: December 4, 2019
Both the popularity and number of craft breweries, vineyards, wineries, and distilleries are on the rise in the U.S. However, these types of businesses can have complicated insurance needs. Any establishment that has a tasting room or serves alcohol needs liquor liability insurance, but that is only the beginning of the coverage you may need. Our knowledgeable agent can help ensure you have the right...
Do I Need To Insure My Boat During The Winter When I’m Not Using It?
Posted: December 1, 2019
If you own a boat, you are not alone if you are wondering why you need boat insurance year round when you are only using your boat in the warmer months. In fact, some boat owners cancel their boat insurance after every boating season to save on premiums. However, this can actually be more costly in the long run. The following are some good reasons...
What Does Being “Vested” In Your 401(k) Mean?
Posted: November 28, 2019
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...