Health Insurance That Pays YOU!

By Marv Law, CLTC With the changes in health insurance in recent years, more people are experiencing greater out of pocket medical expenses.  Higher health insurance premiums have pressed many people to choose health plans with higher deductibles, co-pays and coinsurance so they can better afford the premiums.  As a result, more consumers are experiencing…

Do I Need Disability Insurance?

By Marv Law, CLTC Disability insurance helps replace income in the event a sickness or injury prevents you from working and earning an income.  Here are five questions to help determine if this is needed.  Do I have an income to protect?  Small or large, income of most any size can be protected.  A common…

Health Insurance Outside of Open Enrollment

By Marv Law, CLTC There are several Qualifying Events that may occur which can make an individual eligible to apply for health insurance outside of the Annual Open Enrollment.   In addition, there are short term medical plans, often at a lower cost, that can help bridge the gap between open enrollment periods.  For some individuals…

Did You Miss Open Enrollment?

By Marv Law, CLTC With the exception of a Qualifying Event, we can now only get individual and family health plans once a year during Open Enrollment.   This is similar to being on an employer group plan or Medicare, where there is an open enrollment ever year.  If you miss the open enrollment you must…