Professional Benefits

09/03/2026

Life Insurance Basics – Post 1 – Life Insurance Basics

Life insurance is one of the most widely owned financial products in the country, yet it's also one of the most misunderstood. According to the 2026 Insurance

09/03/2026

Completely forgot! It’s life insurance awareness month!!! No wonder my phone has been ringing off the hook!!

09/02/2026

Disability Insurance Deep Dive – Post 1 – Income Protection Types

Most people insure the things their income pays for — the house, the cars, their health — while leaving the income itself uninsured. Yet your ability to earn

09/01/2026

Our first official blog post - what do you think?

• • Educational - not a solicitation for a specific policy

09/01/2026

Only 38% of employees say they fully understand their health benefits. That gap leads to costly mistakes: using out-of-network providers, skipping preventive care, or heading to the ER for non-emergencies.

Small, consistent steps, plain-language materials, year-round education, and real-world cost examples can make a difference. Better health care literacy means lower costs and a healthier, more confident workforce.

09/01/2026

We have Medicare open enrollment for our executives and most groups have open enrollment fourth quarter. Makes September the wild Wild West!!!

08/31/2026

A little generosity can go a long way. 💛 Whether it’s your time, kindness, or support, giving has a way of making life richer for everyone.

08/31/2026

Love working with my husband. He truly does balance me out. I’m type A “go go go.” He is an engineer “let’s figure out the most efficient way to make this work.” He settles my crazy. Could you work with your spouse?

08/28/2026

Type your income into an online life insurance calculator and it will probably tell you to buy a million dollars of coverage. Type in a different income and it will often tell you the same thing.

That is the trouble with generic formulas. They do not know whether you have three kids or none, twenty years left on a mortgage or a paid-off house, a working spouse or a single income.

A better way to think about it is to add up four things:

- Debts, including your mortgage and any loans your family would inherit.
- Final expenses, which can reach several thousand dollars or more.
- Income replacement, usually a portion of your pretax income rather than all of it.Education costs, if you have children who may go to college.

Add those together and you have a starting number that came from your actual life. Then adjust for savings, a spouse's income, and any coverage you already have through work.

Most people are surprised by the result in one direction or the other.

Have you ever run the numbers on your own coverage? If you have not, or if it has been a few years, reach out. We will walk through it with you.