Premier Insurance Advisers

10/19/2026

o my healthcare provider friends that offer insurance advice on Medicare plans, please read below. A good agent will take the time to explore the options and choose a plan that fits the CLIENTS needs. The average SS benefit in Arkansas is under $2000/ month. That does not leave much extra for paying the 20% co-pays on original medicare or paying for a MedSupp, Drug Plan, Dental, Vision, or Hearing care. All of these can be over $500/ month.
So, Why Would You Choose a Medicare Advantage Plan?
When it comes to Medicare, there is no one-size-fits-all answer. Medicare Advantage may be a great option for some people, while Original Medicare with a Medicare Supplement may work better for others.
Here are a few reasons you might consider a Medicare Advantage plan:
Low or $0 plan premiums may be available
You must continue paying your Medicare Part B premium, but some Medicare Advantage plans have a $0 additional monthly premium.
Prescription drug coverage is often included
Many Medicare Advantage plans combine your medical and Part D prescription drug coverage into one plan.
Extra benefits
Depending on the plan, benefits may include dental, vision, hearing, fitness programs and other services not covered by Original Medicare.
Annual out-of-pocket protection
Original Medicare by itself does not have an annual out-of-pocket maximum. Medicare Advantage plans do have a yearly limit on what you pay for covered Medicare services.
One plan can simplify your coverage
Instead of managing Medicare, a separate drug plan and possibly other coverage, Medicare Advantage can bundle several benefits together.
But Medicare Advantage isn't right for everyone.
Plans can have provider networks, copays, prior authorization requirements and other restrictions. That's why it's important to look beyond the premium and make sure your doctors, hospitals and prescriptions work well with the plan.
At Premier Insurance Advisers, our goal isn't simply to put you in a Medicare plan. It's to help you understand your options so you can choose coverage that fits YOUR needs.
Have Medicare questions? Give us a call, 501-425-1703. We're happy to help.
Premier Insurance Advisers
Protecting What Matters Most
We do not offer every plan available in your area. Currently, we represent multiple organizations that offer Medicare products. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. See less

10/08/2026

It has happened 4 times in the past month in central AR that I know of, so...

WHAT HAPPENS IF YOUR VEHICLE HITS A BUILDING?

Most people think about auto liability insurance covering damage to another vehicle—but what happens when you hit a building?

Your Property Damage Liability coverage generally pays for damage you cause to someone else’s property, including a home, storefront, office, fence, utility pole, or other structure.

Here’s an example:

You lose control of your vehicle and crash into a storefront.

Damage to the building: $75,000
Your Property Damage Liability limit: $50,000

Your auto policy may pay up to the $50,000 limit, but that could leave you personally responsible for the remaining $25,000.

And damage to a building can add up FAST. A collision could damage walls, windows, electrical systems, plumbing, equipment, inventory, signage, and more.

What about your vehicle?

If you carry Collision Coverage, damage to your own vehicle would generally be covered, subject to your deductible and policy terms.

The lesson? Your liability limits matter.

State-minimum coverage might make you legal to drive, but it doesn't necessarily provide enough protection when a serious accident happens.

At Premier Insurance Advisers, we'll help you understand what your limits actually mean—and whether they're enough to protect what you've worked hard to build.

08/31/2026

08/05/2026

Buying a new car? Get the insurance quote before you sign the paperwork.

Many people shop for the monthly car payment but forget to check the monthly insurance premium. That can turn a great deal into an expensive surprise.

Here's why getting an insurance quote first matters:

✅ Know the true cost of ownership. Your loan payment is only part of the monthly expense.

✅ Some vehicles cost much more to insure. Repair costs, theft rates, safety technology, horsepower, and replacement parts all affect your premium.

✅ Avoid surprises at the dealership. The last thing you want is to discover your insurance is hundreds of dollars more than expected after you've already committed.

✅ Compare before you buy. Two vehicles with similar prices can have dramatically different insurance costs.

✅ Make a smarter financial decision. A quick quote could save you hundreds—or even thousands—over the life of your vehicle.

Before you drive off the lot, let us compare your insurance options so you know exactly what your new vehicle will cost.

📞 Premier Insurance Advisers
☎️ 501-868-6495
🌐 www.premierinsar.com

A five-minute insurance quote today can save you from years of unexpected costs.

07/27/2026

Who wants to give us a Google review?
IF we have met or exceeded your expectations, please consider giving us a review.
Your feedback helps us with other clients as well.

07/21/2026

Pryor and Michael will be out of the office beginning July 21 (Tuesday) and returning on Friday July 24.
Since we will be in training classes, we will have very limited access to phone calls.
During this time, please email or text.

07/08/2026

Unpopular insurance opinion...

Just because your homeowners insurance covers something doesn't always mean you should file a claim.

Over the years, we've seen more homeowners use insurance for smaller repairs. The problem? Many insurance companies are now taking a closer look at claim history when determining rates and even eligibility for coverage.

Think of your homeowners insurance like a safety net for the big, unexpected events—house fires, severe storm damage, major water losses—not every repair that comes with owning a home.

Take a sewer or water line repair, for example. While optional service line coverage can be incredibly valuable in the right situation, it's worth asking yourself:

Could I reasonably pay for this repair myself?
Is filing a claim worth the potential long-term impact?
Have I been keeping up with routine home maintenance?

Every situation is different, which is why there's no one-size-fits-all answer. Sometimes filing a claim is absolutely the right choice. Other times, paying out of pocket can save you money in the long run.

That's why we believe one of the most valuable things we offer isn't just an insurance policy—it's advice. Before you file a claim, give us a call. We'll help you understand your options so you can make the decision that's best for you.

Insurance is there to protect your financial future. Using it wisely helps keep it working for you when you need it most.

Premier Insurance Advisers
501-868-6495

What do you think? Should homeowners insurance be reserved for major losses, or should people use it whenever a covered loss occurs? We'd love to hear your thoughts.

07/02/2026

Just a reminder that we will be closed on July 3 as we honor America's independence.
We hope everyone has a safe and enjoyable weekend.
We will reopen on July 6 at 8:30.

05/19/2026

I was taking my annual AML class, and these are some things I need to share with you.....

How to Spot a Scam Before It Costs You

Scammers are getting smarter — but there are still red flags you can watch for. Here are some quick ways to protect yourself and your money:

They pressure you to act FAST
“Limited time!” “Your account will be closed!” Scammers want panic, not questions.

They ask for unusual payment methods
Gift cards, wire transfers, crypto, or payment apps are major warning signs.

Too good to be true? It usually is
Huge prizes, guaranteed returns, or “free” offers often come with a catch.

They ask for personal information
Never give out passwords, Social Security numbers, or banking info unless YOU initiated the contact.

Poor spelling or suspicious links
Fake emails and texts often contain odd grammar or links that don’t match the real company website.

Protect Yourself:
Verify before you trust
Call companies directly using official numbers
Don’t click suspicious links
When in doubt, pause and research

Have you or someone you know ever received a scam call or message? Share the biggest red flag you noticed below.

05/13/2026

Do you have a salesman or an adviser for your insurance agent? The main difference is goal and approach....

alesman

A salesperson’s primary job is to sell a product or policy.

They often:
Focus on closing a sale
Talk about features and price
May represent one company only
Earn money mainly through commissions

Example: An insurance salesperson may encourage you to buy a specific auto or life policy quickly.

Adviser

An adviser’s role is more about guidance and planning.

They often:
Help analyze your needs
Explain risks, coverage gaps, and options
Compare multiple policies or strategies
Focus more on long-term protection than just the sale

An insurance adviser might ask:
How many people depend on your income?
What assets are you protecting?
What deductible can you comfortably afford?

A good insurance professional should:
Explain things clearly
Recommend appropriate coverage
Be transparent about costs and commissions
Not pressure you into buying immediately

Call now to connect with business.