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Category: Life Sense

Medicare Supplement vs. Medicare Advantage: What’s the Difference?

Applying for Medicare once you reach retirement age sounds simple enough. But just because you’re covered under the federal health insurance program doesn’t mean you won’t be faced with out-of-pocket costs. With Original Medicare (Parts A and B), you’ll receive coverage for health-related expenses like hospital care, doctor visits, medical procedures and equipment. Like a traditional health insurance policy, Medicare pays its share of the...

Is a Medicare Supplement Insurance Plan Worth It?

When you sign up for Medicare Parts A and B, you also have the option to apply for a Medicare Supplement insurance plan. A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Medicare doesn’t cover. But is this coverage really necessary? And more importantly — is it worth it? WHY CHOOSE...

Buying Life Insurance for the First Time? Then Read These 8 Tips

Maybe you just got married. Or had your first child. Or started a business. Whatever the life event is, you are now buying life insurance for the first time. And that might intimidate and confuse you a little. Help ease your mind by reading the following advice for anyone who is buying life insurance for the first time. Understand who (or what) you’re protecting Major...

Does Your Life Insurance Policy Offer This Surprising Benefit?

Just six months after retiring from 32 years on the Richmond, Virginia, Fire Department, Len Archer got a devastating diagnosis from his doctor. He had pancreatic cancer, and he likely had only two to eight months to live. In an instant, Len, 56, and his wife, Paula, went from planning their retirement to preparing for what appeared to be the inevitable. At the urging of...

Quiz: What % Adult Are You?

Regardless of age, the timeline of adulthood looks different for everyone. Whether it’s the first time you fold a fitted sheet or give yourself the “we have food at home” talk, adulthood is full of milestones. (And it’s totally OK if you celebrate the little stuff just as much as the big stuff.) Curious about how many boxes you’ve checked as you travel the road...