Doug Myrick - Risk Advisor

Doug Myrick - Risk Advisor Car, home, ACA health, life and business insurance broker 🚘🏠❤️🏢 We are a life insurance agency specializing in Final Expense and Burial Insurance.

Whether you are in excellent health or poor health, we can get you affordable coverage. Call me for a FREE policy review and a FREE quote. This Facebook business page may contain
concepts that have legal, accounting and
tax implications. It is not intended to provide
legal, accounting or tax advice. You may wish
to consult a competent attorney, tax advisor,
or accountant

Stole this from an Insurance Group. Too good not to share! If Insurance Companies were fast food chains 😂🤣😂🤣
05/20/2026

Stole this from an Insurance Group. Too good not to share! If Insurance Companies were fast food chains 😂🤣😂🤣

05/06/2026

Builders Risk Insurance 101: A specialized type of property insurance that helps protect buildings that are under construction. Builder’s risk insurance is also known as course of construction insurance.

05/04/2026

Insurance Planning 101: The right policy depends on your goals, whether that’s temporary protection, lifelong coverage, or legacy planning.

05/01/2026

🏠 Home insurance premiums are up across most of the country, and the renewal letter that lands in your mailbox is not a quote — it's the highest price the carrier thinks you'll accept.

The single most expensive mistake on this list is underinsurance.
Construction costs have run well ahead of inflation for years, so a dwelling coverage number set five years ago is almost certainly too low to actually rebuild your home today.

Raising your deductible from $1,000 to $2,500 cuts your premium by about 9% on average, but only do it if you have the higher amount sitting in cash.

Water and sewer backup is the coverage gap that catches the most homeowners off guard. It's not in a standard policy, and the average claim runs into five figures.

Quotes only compare fairly when the dwelling coverage and deductible match across all three.

If a carrier comes in cheap, check whether they did it by quietly lowering your coverage.

04/30/2026

As a business owner, you have enough on your mind without having to worry about your insurance needs.

You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.

04/29/2026

What is a Business Owner’s Policy (BOP)? A BOP bundles key coverages—typically general liability + commercial property insurance—into one convenient and often more affordable policy.

04/27/2026

Employer’s liability insurance helps protect your business if an employee sues you after getting a work-related injury or illness that’s not covered by workers’ compensation insurance.

One of the most overlooked parts of settling an estate is simply knowing where to look.When someone passes away, missing...
04/27/2026

One of the most overlooked parts of settling an estate is simply knowing where to look.

When someone passes away, missing money can hide in places the family never thinks to check.

Most families check the bank account and maybe the retirement account, but the search should not stop there.

There may be old life insurance policies, forgotten pensions, abandoned 401(k)s, unclaimed property, Social Security survivor benefits, IRS refunds, or VA survivor benefits sitting out there.

And the hard part is this.

Many of these benefits are not automatic.

Families often have to gather documents, search databases, contact former employers, call agencies, submit claims, and keep following up until the process is complete.

That can feel overwhelming, especially when people are grieving.

But missing one account, refund, policy, or survivor benefit could mean leaving real money behind that the family may actually need.

Settling an estate is not just paperwork.

It is making sure a loved one’s financial life is fully accounted for and nothing meaningful slips through the cracks.

There's a lot of confusion going around about that $6,000 senior deduction from the One Big Beautiful Bill. Let me clear...
04/24/2026

There's a lot of confusion going around about that $6,000 senior deduction from the One Big Beautiful Bill. Let me clear it up.
First off, this is NOT "no tax on Social Security." The rules for taxing your benefits did not change. Not one bit.

The $6,000 is a separate deduction. It lowers your taxable income. It does NOT cut your tax bill by $6,000.

Here's what you actually save: $6,000 times your tax rate. In the 12% bracket, that's $720. In the 22% bracket, it's $1,320.

The deduction goes away for higher earners. It starts fading at $75,000 MAGI for single filers and $150,000 for married couples filing jointly. It drops by 6% for every dollar over that line. At $175,000 single or $250,000 joint, it's gone completely.

Note, this deduction only runs from 2025 through 2028. That's a four-year window.

If you've been thinking about a Roth conversion or taking extra RMDs, the math might work better now than later. Ask me about doing a Roth conversion.

One catch: married filing separately? You're out. No deduction at all. And if you're married, both spouses have to be 65 or older to get the full $12,000.

04/22/2026

Does a BOP cover employee injuries?

No—employee injuries are typically covered under Workers’ Compensation Insurance, not a BOP.

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3 Pinehurst Court
Rotonda, FL
33947

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