Posts by Nicci Troiani
Does Life Insurance Make Sense For You?
Have you considered what would happen if you were no longer there to take care of your loved ones? While nothing can replace you, having life insurance means that if something happened to you, your loved ones would be OK financially. Facts About Life Insurance 1. 80% of Americans say that life insurance is…
Read MoreThe True Cost of Life Insurance
Many people think that life insurance pricier than it is; the most common reason that people don’t look into it is the perceived cost. According to Life Happens, people with no life insurance overestimate it’s cost by three times. Even those who have coverage overestimate it’s cost by two times. A healthy 30 year old man…
Read MoreHow Can Long Term Care Insurance Save You From Financial Surprise?
Most people don’t like thinking about what will happen financially to them if something happens to themselves or a family member. Being in the insurance industry, we see how often this situation is not planned for and how much of a burden it can be on family members. Would you be financially secure in this…
Read MoreNeed to Know: Health Insurance Marketplace 2015
Open Enrollment: Dates to Watch (Found on Healthcare.gov): November 15, 2014: Open Enrollment starts — the first day you can apply for 2015 coverage December 15, 2014: The last date to enroll for coverage that starts January 1, 2015 December 31, 2014: Date when all 2014 Marketplace coverage ends, no matter when you enrolled January…
Read MoreHow Early Should I Apply For Long-Term Care?
November is Long Term Care Awareness Month so we thought it was the perfect time to address an issue we see commonly in our office. Many times, when a client is thinking about getting long term care, it’s because they need it or are concerned that they will need it soon. Unfortunately, in these…
Read MoreLegal Help- any time you need it
There are many times during your life when you might need legal help. Whether it is regarding document preparations, auto incidents, family matters or an IRS matter, it’s nice to know where to go to get your questions answered. For over 40 years, LegalShield has provided it’s members with affordable attorney access. For as little…
Read MorePOLL: Opinion on ACA
Kaiser Family Foundation reports that the public opinion on ACA continues to be more unfavorable than favorable. According to their report, 47% view the law as unfavorable and 35% have a favorable view. The other 19% did not give an opinion. When asked about how the ACA has impacted them personally, 56 percent…
Read MoreGood News for the Medicare-Age Group!
According to InsuranceForums.net, the Medicare-aged group has some good news coming its way. We summarize the three main points here, or you can skip below to read the original article. 1. Alzheimer’s cases are declining According to the Framingham study “Among people 60 and older, new cases of Alzheimer’s were 44% lower in the 2006 to…
Read More2015 Health Insurance Premium Increases by State
As we inch closer to open enrollment, we are starting to look at premium estimates for the second year of the health insurance exchange. The 29 states that have publicly released their increases vary widely. Missouri has yet to release initial rate filling information. This information does not include premium tax credits, which is available…
Read MoreProtect Your Paycheck with Disability Insurance
If your work doesn’t provide disability insurance as a benefit, talking to an insurance adviser is a good idea. You can’t plan for a coming disaster, but you can be prepared. Knowing what will be covered if disaster strikes will help you and your family plan for the worst. You can always talk…
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