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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.

Nontraditional Life Insurance Plans You Should Know About

Traditional life insurance is low risk and offers guaranteed maturity returns to policyholders. Nontraditional life insurance combines investment and insurance in a single policy. These plans invest in the market and have the potential to earn higher returns because of their higher-risk nature. If you have not been able to obtain traditional life insurance, you should know about these nontraditional life insurance plans. Graded Life...

Advantages of Offering Group Benefits in Your Business

If your small business is on a budget, you may wonder if it is worth the cost to offer group benefits to your employees. Bear in mind that your workers are your company’s most valuable asset. Think of group benefits as an investment in the future of your business, with big returns in the long run. Reasons to Offer Group Benefits Tax Advantages A number...

3 Types of Living Benefits for Life Insurance

Life insurance is mainly designed to pay out death benefits to beneficiaries. But some life insurance policies also provide living benefits for policyholders. The following are three types of life insurance living benefits. Accelerated Death Benefits Most life insurance policies contain a provision known as Accelerated Death Benefit (ADB). It allows the policyholder to receive a portion of the life insurance money while he or...

What Is the Difference Between ICHRA and QSEHRA?

The first step in understanding the difference is to spell out what these abbreviations stand for. “ICHRA” stands for “Individual Coverage Health Reimbursement Arrangement.” “QSEHRA” stands for “Qualified Small Employer Health Reimbursement Arrangement.”  What Is an Individual Coverage Health Reimbursement Arrangement? An ICHRA is a new type of health reimbursement arrangement that only became available as of 2020, under Trump administration regulations. It allows employers...

Starting a Family? Consider These Types of Life Insurance

When you have children, it is more important than ever to have life insurance. You want to provide for them in case something should happen to you. Death benefits from a life insurance policy could cover the mortgage payments, pay for your child’s college education, and help support your family.  What Are the Different Types of Life Insurance? The two main types of life insurance...