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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Am I Required to Provide My Employees with Short-Term or Long-Term Disability?

Short-term disability insurance provides some income replacement when a non-work-related illness or injury leaves an employee unable to work for a limited time period. Long-term disability insurance serves the same purpose, only for longer periods of time, ranging from two years to retirement age, depending on the policy.  No law requires employers to offer long-term disability insurance to employees. However, five states and Puerto Rico...

Quick Exercises for Busy Lifestyles

We all know we need exercise to look and feel better. But it can be difficult (or seemingly impossible) to fit into a busy lifestyle. Here are some ways to get your body moving, no matter how hectic your schedule may be.  Move Around While You Talk On the Phone Pick up the phone instead of texting or emailing, and move around while you talk....

Does My Spouse Need Life Insurance if He or She Doesn’t Work?

When one spouse is the primary breadwinner, it is obvious why that person needs life insurance to protect the family. But a stay-at-home spouse needs life insurance, as well. Just because a person is not working at a paying job, that does not mean he or she lacks financial value. Consider what it would cost to pay another person for the services a stay-at-home spouse...

What Benefits Should I Offer My Employees?

Employee benefits will cost your business. There is no avoiding that, but the pros outweigh the cons. Advantages of offering benefits include better recruitment and retention, greater wellness and productivity, tax advantages, and a more positive company culture. Developing a benefits package represents a leap in the growth of your company. A major step in the process is deciding what benefits to offer. What Are...

Is My Diet Balanced Enough?

It has been said that we are what we eat. Nutrition plays an important role in optimal health, and a healthy, balanced diet is essential to good nutrition. How do you know if your diet is well balanced? You need to be eating a variety of foods from the five main food groups. What Are the Five Food Groups? If you take care to consume...