Category Archives: Insurance Articles

  • ACA’s Preventive Services with No Co-Pay

    Posted on October 16, 2015 by in Insurance Articles

     ACA’s Preventive Services with No Co-Pay A key provision of the ACA is the requirement that it provides certain recommended preventive care services at no additional cost to patients—that means no cost-sharing or co-pay. Research shows that preventive care saves lives and improves health by identifying illnesses earlier, when they are still treatable and manageable. […]

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  • Prescription Drugs. Health Insurance.

    The Rising Cost of Prescriptions Drugs: 6 Ways to Save

    Posted on October 6, 2015 by in Breaking News, Insurance Articles

      The cost of prescription drugs is rising at an alarming rate. If you’re not taking any medications, you’re one of the lucky ones. But the increasing cost of prescription drugs has created a tragedy for many Americans. For the elderly on fixed incomes (even those with their Medicare Prescription Drug Plans) or those facing […]

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  • life insurance

    12 Reasons to Update Your Life Insurance Policy

    Posted on September 24, 2015 by in Insurance Articles

      A life insurance policy, like a Living Trust, needs to be reviewed and updated with important life events. What’s an important life event? These are reasons you got your life insurance policy in the first place—to protect those you love in the event something happened to you. Examples of important life events are the […]

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  • Medicare, CJB Insurance Services, Inc.

    Medicare – When You Still Have Coverage From Work

    Posted on October 5, 2012 by in Insurance Articles

      For a variety of reasons many people are still active in the workplace when they become eligible for Medicare.  Recently, I’ve been contacted by several people who are still on their employer’s group health plan and were confused about whether to enroll in Part A and/or Part B. Even if you have coverage at work, you […]

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  • What to Expect When Buying Life Insurance: Part Three

    Posted on June 14, 2012 by in Insurance Articles

      Continued from Part Two… An insurer will classify an applicant as super preferred, preferred, standard plus, standard or substandard. Super preferred and preferred applicants are the healthiest and pose the lowest mortality risks; they qualify for the lowest rates available. Standard risks present average risk for their age and gender; they will pay an […]

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  • What to Expect When Buying Life Insurance: Part Two

    Posted on June 14, 2012 by in Insurance Articles

      Continued from Part One… Next, most insurers will require a paramedic exam. During this exam, a paramedic or nurse will likely review your medical history and you should have your medical providers’ information available. At a minimum, he or she will take your height, weight, blood pressure and pulse. You will also have to […]

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  • What to Expect When Buying Life Insurance: Part One

    Posted on June 14, 2012 by in Insurance Articles

    You’ve decided you need (more) life insurance to protect your family. Here’s what you can expect when buying life insurance on the individual market. If your only previous experience with obtaining life insurance has been through an employer or other group plan, you’ll find buying coverage on the individual market a bit more complex. First, […]

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  • Life Insurance for Businesses

    Posted on April 3, 2012 by in Insurance Articles

    Life insurance can help your business live on after the retirement or death of an owner or partner – here’s how… Every business needs a continuation plan that spells out how the business will survive after an owner’s retirement or death. For a sole proprietorship, the plan should name the successor who will run the […]

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  • “I love coming through for my clients…”

    Posted on April 3, 2012 by in Insurance Articles

    So many people make assumptions that life insurance is too expensive or a medical condition may prevent them from being approved.  They really want the coverage, but procrastinate looking into it because they think that their age or some health issue or family history will prohibit them from being approved. Many health issues that can […]

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