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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

What Happens To My Life Insurance If I Am In A Coma?

A coma is a state of extended unconsciousness due to inefficient brain function. This unresponsive state can be caused by a traumatic blow to the head, oxygen deprivation from choking or drowning, severe infection, exposure to toxins, or extremely high blood sugar. Under most circumstances, life insurance policies do not pay out as long as the policyholder remains alive. If you are in a coma...

How Is Commercial Trucking Insurance Different From Standard Commercial Auto Insurance?

Commercial auto insurance provides coverage for the cars, vans, and trucks used in conducting business. It can be purchased to cover all types of vehicles, from standard passenger cars to larger commercial vehicles such as box trucks, work vans, and service utility trucks. Different businesses require different types of commercial auto insurance. Commercial trucking insurance is a type of commercial auto insurance designed to protect...

How To Prepare Your Home For Fall

When the thermometer begins to drop and temperatures get cooler, it’s time to start thinking about getting ready for autumn. The weather can be unpredictable, and it’s best to get a head start on seasonal chores so you are not caught unprepared. The following general “to-do list” can help you prepare your home for fall. Check for drafts: Reduce your heating bills and stay warmer...

Understanding 401(k) Terms: Sponsor & Third-Party Administrator

A 401(k) plan is an excellent benefit for employers to offer employees. It is a tax-deferred, defined-contribution retirement account that gets its name from a section of the IRS Code. Many employers offer matching funds for all or part of their employees’ contributions to a 401(k) plan. If you are opening a 401(k), two key terms to understand are “sponsor” and “third-party administrator.” What Is...

The Importance Of Stretching Before Exercise

For decades, we have been told about the importance of stretching before exercise. But how many people really understand why it is so important? In a nutshell, stretching serves as a critical link for the body between a sedentary state and physical activity. What Makes Stretching So Important? If you want to be truly fit, it is not enough to build muscle and get aerobic...