Church Insurance: 15 Important Things You Need To Cover
Open Enrollment for 2019 Marketplace coverage starts in just a few short months. Here are some important enrollment dates to mark on your calendar:
Key 2019 Open Enrollment dates:
- The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018.
- If you don’t act by December 15, you can’t get 2019 coverage unless you qualify for a Special Enrollment Period.
- Plans sold during Open Enrollment start January 1, 2019.
The first of the 78 million baby boomers turned 65 on January 1, 2011, and some 10,000 boomers a day will reportedly reach that milestone between now and 2030.
If you are about to turn 65, then it is time to think about Medicare and your Medicare Supplements. You become eligible for Medicare at age 65, and delaying your enrollment can result in penalties, so it is important to act right away. Continue reading “Turning 65? What You Need to Know about Signing up for Medicare”
If you’re one of the 25.8 million people in the U.S. with diabetes, you might think you can’t get life insurance … but think again!
If your diabetes is under control, you can get affordable life insurance to protect your family.
If you’re staying healthy and seeing your doctor for regular check-ups, we can help I can help you get affordable coverage.
Top 5 Factors for Diabetic Life Insurance: Continue reading “Do You Have Diabetes? Think You Will Never Get Life Insurance?”
Every small businesses should protect their company with small business insurance. General Liability insurance coverage covers physical damage to the property of others or injuries to others, as well as protection from claims of libel and slander.
Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.
We have all struggled with this one important question: How much life insurance should you buy? I can help you answer that question in 2 easy steps.
1. Cash Now
If you passed away, your family would need an instant infusion of cash to pay for any last medical expenses and a funeral. But how much will that be?
The average cost of a traditional funeral is between $7,000 and $10,000. That’s not counting any doctor or hospital bills your spouse may be left with after you’re gone. If you’re in doubt, leaving $10,000 to $15,000 to handle these expenses is a good place to start.
It is estimated that 70-80 million Americans own at least one firearm. A recent Gallup poll indicates that concern over personal safety is the most common reason given for owning a gun.
But what happens if a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property? There will be an investigation – and potentially a criminal trial. Even an eventual acquittal provides no guarantee that the “victim” or his/her family members won’t sue in civil court.
Many homeowner policies specifically exclude firearm use – even in self defense – as a covered exposure, deeming it to be an intentional act. That leaves the gun owner personally liable for legal expenses, bail bond costs, and any judgments awarded through a civil action.
CONSIDER SOME OF THE FEATURES OF THIS FIREARM LIABILITY:
- Civil Actions – Legal Defense. Provides expert legal counsel to protect you against civil litigation arising out of the covered use of a firearm for self-defense.
- Civil Actions – Indemnity. In the event of an adverse civil judgment occurring from a covered event, the policy will pay monetary awards (up to the limit of liability).
- Criminal Actions – Legal Defense Reimbursement. Policy will reimburse insured for reasonable legal expenses incurred while defending him/herself against criminal charges arising from the use of a firearm in self-defense (up to the limit of liability).
- Criminal Actions – Legal Defense Retainer. Advances funds to the insured to cover the cost of retaining legal counsel to defend against a criminal action.
- Criminal Actions – Bail Bond. Advances funds to cover the cost of securing a bail bond.
- Compensation While in Court. Compensation for loss of earnings resulting from time off taken from work to assist the insurance carrier in the investigation or defense of a covered claim.
- Firearm Theft Civil Liability. Provides legal defense for civil actions resulting from bodily injury/property damage caused by firearm stolen from the insured.
- Psychological Sessions. Reimbursement for therapy sessions with a licensed professional to help the insured cope with the trauma associated with using a firearm in self-defense.
- Legal Defense Hotline. Access to a hotline staffed by legal professionals. This service is provides advice on questions relating to the use of a firearm in self-defense.
Teladoc is a national network of U.S. board-certified physicians and pediatricians that lets you resolve your routine medical issues, on-demand 24/7, via phone or online video consultations from wherever you happen to be.
It’s healthcare on your terms – simple as that.
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It’s really not as confusing as it seems, however, once you understand the basic types of life insurance policies. Continue reading “Types of Insurance Policies”
I have been a pastor for more than 25 years. I understand the pressures and stress of financing a church ministry or any other non-profit organization. Churches and pastors completely depend on the tithe and offering of those we serve in our congregations.
What if there was a simple way to overcome some of these financial pressures and educate our parishioners about an easy way to leave a financial legacy – a legacy that blesses our church ministry for years after we are in Heaven?
Well, there is! It’s called Charitable Giving through Life Insurance! Continue reading “An Easy Way To Leave a Financial Legacy”