Single Premium Life Insurance is essentially taking a lump sum of cash and trading it for a “paid for” or “paid up” life insurance policy. Usually the insured will get more life insurance per dollar; for example, a single $50,000 lump sum payment may yield a $70,000 life insurance policy. This would be ideal for [...]

New Preventive Care Services for Women After August 1, 2012, for most health insurance plans, the following services will be included in preventive care visits at no additional charge: Well-woman visits. Gestational diabetes screening that helps protect pregnant women from one of the most serious pregnancy-related diseases. Domestic and interpersonal violence screening and counseling. FDA-approved [...]

If you don’t own life insurance by now, you should. Too often I sit with families that feel that either the amount of coverage they feel they need is too much or the amount they can afford is too little. My favorite is the young couples in their early twenties that think  spending  $8 to [...]

There are typically some basic things you use your paycheck for; mortgage, utilities and groceries or M.U.G. Without your paycheck you turn to your savings, credit cards, spouse’s income if applicable or family. It can take months or years to accumulate a retirement and savings fund, but only weeks and months of no paycheck, medical [...]