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What are state exchanges?

What are state exchanges?

The Affordable Care Act gives States the power to create their own health insurance marketplaces (Exchanges) or partner with the Federally Facilitated Marketplace to ensure that the terms of the act can be applied in a uniform and affordable way.  Most of the...
Life insurance options

Life insurance options

Life Insurance is essentially about securing the financial welfare of your dependents in the event of your death or some other event such as an accident or critical illness.  Term Life (Family and individual) A term life insurance policy provides cover for a...
Supplemental insurance basics

Supplemental insurance basics

Personalize your insurances All insurance policies are legal contracts between the insurer and the insured which describe the types and limitations of the insured events.  Some insurances are Federal or State requirements.   Health insurance and Auto...
How does the Federally-facilitated marketplace work?

How does the Federally-facilitated marketplace work?

The Affordable Care Act (ACA) provides for all American Citizens to have access to health insurance underwritten by the US Government. Unless exempted, all American citizens and foreign residents must be covered by health insurance policies which must meet the Minimum...
Life Insurance Basics

Life Insurance Basics

Life insurance simplified Life insurance, is a contract between an insurance policy holder and an insurer (carrier). The insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death (or...
Health insurance 101

Health insurance 101

All that you need to know about Health Insurance to choose the right coverage for you and your family What is Health Insurance? When any member of the family falls ill there will be additional expenses.  Perhaps for treatment, medication, hospital care or...
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