Understanding House Insurance

Understanding House Insurance

It probably won’t surprise you that Ben Franklin was the Founder of the first home owners insurance company in the United States.  His company, Philadelphia Contributionship for the Insurance of Houses from Loss by Fire was formed in 1752.  For a long time,...
Understanding Umbrella Liability Insurance

Understanding Umbrella Liability Insurance

Don’t I already have insurance that covers this?  Probably. Your homeowners insurance and auto insurance commonly provide coverage for personal liability.  But is it enough?  That’s the key question I hope to help you answer.  Understanding...
Understanding Identity Theft Protection

Understanding Identity Theft Protection

“That’ll never happen to me.” We buy insurance despite low odds of something bad happening. You and I are probably not going to die before we’re supposed to.   But if we did, the consequences would be catastrophic.  That’s why we buy life...
Financial Wellness in the Workplace: Key Ideas to Focus On

Financial Wellness in the Workplace: Key Ideas to Focus On

What is financial wellness? Should it be part of your benefits program? If you offer it, how do you make sure it will work?  Simply put, financial wellness is getting clear on how you want your financial life to be, then making and executing plans for bringing...
Understanding Long-Term Care Insurance

Understanding Long-Term Care Insurance

It’s hard to think of ourselves as an elderly person, but God willing, it’s going to happen.  It’s also hard to think of our future, elderly selves, requiring help doing simple things like moving around the house, preparing food and eating it, getting dressed,...
Understanding Health Insurance

Understanding Health Insurance

Nobody plans to get sick or hurt, but life frequently ruins those plans. Healthcare costs are very high with a night in the hospital going for around $12,000. Health insurance covers the costs of medical care as well as provides a lot of other valuable benefits like...