Key Insurance Solutions

08/15/2026

I met someone not too long ago who kept telling me, I have life insurance through my job, I have been there over 20 years, I do not need anymore coverage, I asked him, when you retire does the policy stay active?, Is it enough coverage? you said you had it over 20 years and a lot has changed since then, cost of living you have grandchildren etc. about a week and half later he gave me a call and said, "Hey I looked in the Life Insurance from my Job and it is a AD&D policy for $10k. Moral of this before you think your covered, look into those employer group policies and confirm the amount of coverage, what type of policy it is and if leave or retire will you be able to keep this policy, because if you have been at this job for over 20 years and you are now in your 40's or 50's you will be paying more in premiums then you would have earlier in life.

08/15/2026

Many people are surprised to learn that employer-provided life insurance may not go with them after they leave.

And while your 401(k) is an important part of retirement, it wasn't designed to replace life insurance.

08/15/2026

Fulfilling your passion may not always be one role, one way or even one location. Sometimes you wear many hats.

08/11/2026

www.keyinsuresolutions.com

Get life, annuity and health insurance with Key Insurance Solutions. We specialize in ACA plans, Medicare coverage, and group insurance to protect your future.

08/06/2026

This year, we helped one family move into a stable home.

Imagine what we can do together.

One youth. One family. One better life at a time.

08/05/2026

08/05/2026

Today I met with a client to write him a policy, when we were discussing the policy and finalizing everything his wife asked me to look at her policy she has with her job. She was paying $16 more monthly for $10k face amount, I could not confirm if she was able to keep the policy if she left, I did review what she had pertaining to the policy. I now have a new client, she will have $240k coverage paying $13 less a month, simply taking time to review and talk with someone is the key to success even if I did not write another policy for her I gained her and her husband’s trust. They left saying they will tell their friends and family about me 😁

08/01/2026

Weekend Reflections

As another week comes to an end, I hope you'll give yourself credit for the things no one else sees.

The early mornings.

The long days.

The responsibilities you quietly carry.

The phone calls you made.

The problems you solved.

The moments you showed up for someone else.

Life isn't measured only by the big milestones.

More often, it's built in the ordinary moments that don't make the highlight reel.

This weekend, take time to enjoy those moments.

Share a meal.

Call someone you've been meaning to check on.

Sit outside with a cup of coffee.

Slow down just enough to appreciate where you are today.

Sometimes the best part of the week is simply realizing you made it through.

Wishing you a peaceful weekend.

— Erica

07/29/2026

Wednesday | Insurance Question of the Week
"Do I really need life insurance if I have coverage through work?"

This is one of the most common questions I hear, and the answer is...

Maybe.

Employer-provided life insurance is a great benefit, but it's important to understand how it works.

For many people, that coverage ends if they leave their job, retire, or if their employer changes benefits.

For others, the amount of coverage may simply not be enough for what they're trying to protect.

That doesn't mean everyone needs another policy.

It means it's worth taking a few minutes to understand what you already have before deciding whether it's enough.

One of my favorite conversations is reviewing someone's current coverage.

Sometimes we discover there's a gap.

Sometimes we discover they're already in a good position.

Either way, you leave with a better understanding of your options—and that's always time well spent.

07/27/2026

We often think success comes from one big opportunity.

In reality, it's built one small decision at a time.

Choosing to spend time with your family.

Choosing to save a little more.

Choosing to have the conversations you've been putting off.

Choosing to take one step toward the future you want to create.

Those choices may not seem significant today, but over time they become the foundation of the life you're building.

This week, don't focus on doing everything.

Focus on doing one thing that moves you closer to the future you want.

Small steps become lasting legacies.

Have a wonderful week.

🔑 Key Insurance Solutions
Creating confidence through thoughtful planning.

— Erica O'Brien