Financial Services

Tis the Season for an Insurance Review

As another year comes to an end, it’s good to take stock of changes in your life or lifestyle that will affect your insurance protection in the New Year to come. The end of the year is a good time to conduct an insurance review to see if your policies still reflect the coverage you need or want. If changes are in order, it’s best to make them now so you can face the New Year with confidence knowing you’re fully protected against any eventuality. 

News Brief : Equifax Data Breach

143 Million People Potentially Affected in Equifax Data Breach

Equifax, one of the largest credit reporting agencies in the United States, was recently the victim of a massive cyber attack- an attack that may have compromised the personal information of 143 million people.

Donating to Disasters and Avoiding Scams

Hurricane Harvey was the strongest storm to make landfall in the United States since Hurricane Charley in 2004 and we will soon have Irma, an even stronger storm crashing into our shores this weekend.  News of the damage Harvey has caused to southeastern Texas is prompting people to help in whatever ways they can and we are certain that the same will occur with Irma.

Long-term Disability Insurance

Disability insurance is coverage that provides you with income protection should you lose time on the job due to an injury or illness.  With disability coverage, you receive partial replacement of lost income.

For working-age individuals, disability refers to a medical condition that reduces your ability to perform your job duties.

Life Insurance

Life Insurance isn't a fun thing to think about, an it may seem like an unnecessary expense.  But if you have people who depend on you for financial support, then life insurance is really about protecting them in case something happens to you - your designated beneficiary would collect a financial benefit upon your death.  Life insurance can be confusing, so here's a rundown of the basics.

Personal Umbrella Policy: What is it and why should I have one?

Who needs a Personal Umbrella?

You do not need to be wealthy to be sued for millions.  Juries determine damages based on the severity of an accident, not your ability to pay those damages.  Do you own or drive a vehicle?  Do you own or rent a home?  Do you want to protect the assets and investments that you worked hard to accumulate?  If you said yes to any of those, you need an umbrella.  The truth is EVERYONE needs an umbrella.

Helping Your Child Make the Transition from High School to College

Though you won't be able to ride along in your child's suitcase, there are ways you can help him or her make the adjustment to college.  You can start by talking with your child about certain subjects before he or she leaves for college and familiarizing yourself with the emotions that he or she will likely face in the first few weeks and months.  Then, you can provide a comforting shoulder to lean on.