Tips for Seniors: Financial Planning and Responsibility
Pet insurance in Springfield MO
Pet Insurance in Springfield MO
Like most of us, keeping our pets happy and healthy is a priority. Pet insurance, can help you do this by covering some costs at the veterinarian if your pet becomes sick. Some plans also provide ‘wellness’ coverage that can help cover things like spaying/ neutering, vaccinations and heart worm testing. Here are some important parts of this coverage to remember.
Dental Insurance In Springfield MO
How does Missouri Dental Insurance Work?
Dental insurance works very similar to health insurance. You typically pay a monthly premium and are then entitled to certain dental benefits usually including regular checkups, cleanings, x-rays and services to promote general health. While most plans provide these benefits, provide coverage much differently. Most companies put covered services into there categories: Preventative, Minor, Major. Every company is different on how they categorize. It is really important to look thoroughly look over policy benefits before you sign up for a plan.
Term Insurance in your 20’s
So you are in your twenties and healthy and don’t need life insurance…..think again! You are now at the perfect age to get life insurance.
Types of Life Insurance in Missouri
Life insurance is like no other, it can enable your loved ones to maintain the same standard of living they’ve grown to know as well as enable you to leave behind a legacy. It’s important to know that there are three main types of life insurance. Let’s take a look at the three types of life insurance.
Umbrella Insurance: What is it?
Protecting your family and its assets is very important, one great way to do this is with an umbrella insurance policy that is designed to cover extra liability beyond your auto and home insurance liability. It can help to protect against major lawsuits, claims or unforeseen events that you are responsible for. Umbrella insurance is a great way to protect you and your families financial future. [Read more…]
Marriage: How Does it Change Your Insurance?
You have walked down the aisle, said your vows, and went on your honeymoon and now its time to begin your life together. Your life has probably changed so much! Over the next year, you will probably have many more changes.
As your begin your life with your new spouse, your finances and insurance will likely change too. Most people think this is as simple as putting your name on your spouses policy but think again. Here are some changes that you will want to make.
Medicare 101
Medicare is a form of health insurance managed by the U.S Government that was founded in 1965. Many different presidents attempted to pass different forms of health care in the past but, in most cases with little success. Medicare really gained steam when a national study revealed that over 56% of Americans over the age of 65 didn’t have healthcare. Legislation was later signed into place by Lyndon B. Johnson. Medicare is primarily for individuals 65 or older but someone under the age of 65 also may qualify. It is managed by CMS also known as the Centers for Medicare and Medicaid Services. In 2017, 58.5 million people were covered under Medicare according to CMS. The original Medicare is made up of Parts A and B but over over the years others have been added.
Cyber Insurance: What You Need to Know
Our world is faced with an abundance of security and cyber crime that just 20 years ago wasn’t as much of a concern. With the evolution of the internet along with data breaches, cyber crimes are becoming way too common. Data breaches not only hurt business with damage caused and information loss, but also small and large business are subjected to hefty fines by government entities if proper steps are not taken before and afterwards.
Today, its not just the large business that are vulnerable. According to RPS, 43% percent of all cyber target small and medium sized businesses. Today 55% of small businesses have had some form of a data breach. A breach not only makes the business susceptible but also the employees and customers information.
Business Insurance for a Retail Store
Retail shops make up a big part of the Missouri Economy. Owning a shop comes can be exciting but it comes with lots of responsibility. The last thing you want to worry about is making sure you have the right insurance coverage. While being a retail stop owner, you face many risks and need customized coverage to fit your needs. Today with cyber attacks and a rise in lawsuits having the right coverage is more important than ever. Being self employed you should be focused on running a successful business. Business insurance for a retail store has more options than personal insurance.
