Personal Insurance Archives | Page 8 of 13 | VAST
July 7, 2014

Long Term Care Insurance – the Basics

Now more than ever, we are seeing a renewed influx of requests for advice on long term care insurance.  What we have discovered is that many people are mislead by the concept of long term care as well as the options available to them.  The long term care insurance that our parents might have purchased (think 1970-80s when the product was first introduced) is still carrying baggage and false promises that have tampered with the way people view this product.  Whether you choose to believe it or not, the need for, and delivery of, long term care presents an emerging risk … Continue reading

June 30, 2014

Long Term Care Insurance – Statistics that will Scare You

If the thought of having to discuss you and your spouse’s long term care needs wasn’t scary enough – we have compiled some surprising facts that should help point you in the direction of having this discussion sooner than later!  Read below to educate yourself on some things that may help you to make this decision.  After you’re done, get your personal insurance advisor on speed dial and schedule an appointment to review your own needs. Average need for care 1040 days – ( – American Association for Long Term Care Insurance) Someone turning 65 today has almost a 70% … Continue reading

October 23, 2013

HMO PPO What Does that Mean to Me?

By now, you know or have heard discussions on how our healthcare system is changing.   People whohave been buying healthcare are trying to figure out what this new system looks like, while others who have not purchased healthcare in the past or have been uninsured for a very long time are now potential buyers because of Health Care Reform. With so much change upon us, it is important to remember that some terms are not changing.  It is often that these items require the most attention.  This is especially true if you are a “new” consumer of healthcare.  The terms … Continue reading

October 14, 2013

Essential Health Benefits – What Are They?

Under the new health care reform law, there are big changes to what is covered on an individual medical plan.  In fact, these changes extend to all health care plans offered in the United States.  You may have already heard this term, but the phrase “Essential Health Benefits” will be common-place starting in 2014. What are the new Essential Health Benefits and what do you have to do to get them?  If you are currently purchasing individual coverage, in most cases you will see your current plan change on January 1st, 2014. Below are the 10 Essential Health Benefits that … Continue reading

October 7, 2013

Health Care Reform Subsidies Explained

The new Affordable Care Act is set to have options on the marketplace launch this week on October 1st.  Many people are confused about how “affordable” the new health care law really is.  What does this mean to the average American?  Here, we will tackle the different financial assistance options available for families under the Affordable Care Act. First, we will outline some baseline do/don’ts just to get you thinking: To qualify for assistance an individual: Must not be offered “Qualified” coverage through an employer.  (In very simple terms, this means you can’t be offered health insurance benefits through your … Continue reading

September 30, 2013

National Health Care, ObamaCare, PPACA – What do they mean?

Why does it seem like everyone is calling National health care by a different name? I would like to clarify what the many different names and references to this new system are and what they actually mean. National Health Care – referencing the fact that our entire nation will conform to this new system of health care coverage.  Remember, this is will be a new way of purchasing and funding health care, more than it is a way of receiving medical care. Health Care Reform – referring to the reforming or changing of the old way of purchasing and paying … Continue reading

September 27, 2013


With so much information out there regarding national healthcare or Obamacare, it is very hard for individuals to comprehend what information is relevant to them.  We’re currently experiencing heavy incoming calls due to current clients but also the general public wanting to know what they should be worried about.  There are a few key points to be concerned about regarding how health care reform or national healthcare is going to impact you.  Let’s review two of those items right now: What does October 1st mean to you? Even though it’s the first of two noted calendar dates, it’s the second … Continue reading

September 16, 2013

5 Steps to Purchase Life Insurance

You’ve made the decision to buy life insurance.  First of all, congratulations!  You’ve made a decision that will have a great impact on your life.  You’ve shown your family you love them and are dedicated to taking care of them.  But what’s next?  How do you proceed?  Making the decision is one thing, but following through is another. I believe it’s often the unknown that creates anxiety for people when making the decision in the first place.  Many people feel unsure about the paramedical exam.  Others are afraid that something will appear in their medical records.  Still others feel like … Continue reading

September 9, 2013

Females and the Life Insurance Gap

Over the past few years, I’ve noticed a trend when meeting with people to discuss their life insurance needs.  It looks something like this: a husband and wife sitting in our boardroom discussing how much life insurance the husband should have so that the wife is taken care of.  Sometimes there is a young child in the corner of the meeting room coloring on a piece of paper. There’s really nothing WRONG with this picture, except for the fact that many times the conversation doesn’t continue much beyond the “worth” of the husband.  When analyzing a family’s need for life … Continue reading

July 1, 2013

Summer Safety Tips

Summertime is in full swing and this means it’s time for some fun in the sun.  Whether you’re out barbequing or lounging by the pool, it’s important to stay safe while having fun.  I have come up with a few summer related tips to keep you enjoying the heat. 4th of July = Fireworks With the 4th of July right around the corner, it’s important to brush up on a few firework safety tips.  If not handled with care, fireworks can cause injury and/or damage to your home.  Here are a few tips to help your Independence Day go a … Continue reading

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