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Calculate Your Life Insurance Needs How valuable are you to your family? Are you the bread winner, do you share equal responsibility with your spouse, or do you take care of the children and house 120 hours a week. The need for Life Insurance exist in all. Calculators How much life insurance do I need? READ MORE >>

   Homeowners, Condominium, and Renters insurance policies have Contents coverage built in to each policy. The best way I can communicate contents coverage is if you turned your house upside down what fell would be deemed contents. READ MORE >>

Many clients ask how their insurance rates are generated. Insurance companies produce a formula with the 4 factors below and present the proposal to The Department of Insurance. The DOI looks at the statistics and either Accepts or Declines the proposal to increase or decrease rates.  READ MORE >>

  Differences Between AHCA and ACA.   1. No More Mandate to Purchase or Provide Coverage The plan eliminates the individual and employer mandate penalties. This means people will no longer be fined for lack of insurance, and large companies do not have to pay if they do not offer insurance to their employees. READ MORE >>

   Current Similarities between AHCA and ACA.   1. Pre-Existing Conditions Will Still Be Covered Under the Affordable Care Act, insurance companies are required to cover pre-existing conditions. This is still the case under the AHCA, but the creation of High Risk Pools, funded with $8 billion dollars was an added amendment to the AHCA. READ MORE >>

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