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…