How can your health or lifestyle affect your insurance rates? When you apply for individual life or health insurance, you provide answers to detailed questions regarding your health. Your answers provide insurance companies with an idea of your overall health. Based on your answers, insurance companies may ask for additional medical information or tests prior […]
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for retirement and health benefit plans in private industry. ERISA does not require any employer to establish a plan. It only requires that those who establish plans meet certain minimum standards. ERISA covers retirement, health and other welfare […]
September has arrived and we’re well underway. As time passes us and we wave hello and goodbye to each day, it’s important to have a set plan for our future. With September being Life Insurance Awareness Month (LIAM), now is the perfect time to reevaluate your Life Insurance plan. Organized by the LIFE Foundation, LIAM, […]