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The one thing almost every employee wants and needs is health insurance. The most common plans are health maintenance organizations (HMOs), preferred provider organizations (PPOs), point of service (POS), and indemnity plans. Another option for businesses that want to provide employees with health insurance coverage is to offer them access to a health savings account…

Life can change in an instant, and that life-changing moment may be as simple as sending a text message. That’s what happened to Travis Guthman. Travis and his wife, Wendy, moved back to where he had grown up when they had the opportunity to buy his grandparent’s farmhouse. They felt it was an ideal place…

Most people think life insurance is there to protect families financially when someone dies. And while that’s true, the living benefits of life insurance can also help families beforehand. This has been true for Kelley and Doak Snead. They are a match made in country music heaven! Nashville, where they met working in the industry…

Amount of coverage While there’s no substitute for a thorough needs analysis conducted by an insurance professional, you’ll find that most policies cover between 50% and 70% of your income. When thinking about how much coverage you need, consider both short-term and long-term expenses, as well as any other sources of disability income, such as…

End-of-life planning sounds like something you do towards the end of your life. But the reality is, no one knows what tomorrow will bring. If the worst were to happen, you wouldn’t want your family to be burdened with financial, legal and logistical problems. These 10 steps will help you get your affairs in order….