• What Is Final Expense Insurance? April 16, 2018
    We've all seen the commercials on TV with Alex Trebek telling senior citizens that they can cover the cost of a funeral with a life insurance policy.  But what kind of insurance is it and how much will it cost?Usually, final expense coverage is a whole life policy, which is the most expensive type of life insurance because it builds some cash value.  Bu […]
  • Time To Insure Your Love Again February 5, 2018
    February is when the life insurance industry wants you to "insure your love".  Using the month of Valentine's Day for promotion may sound cheesy but doesn't this get to the matter of what life insurance is all about?When you really get down to it, life insurance isn't for the person who is covered, but to pay a benefit to those loved […]
  • Does Medicare Cover Dental Services? October 30, 2017
    Did you know that Medicare will not cover dental care that you need primarily for the health of your teeth? For example, Medicare will not cover routine checkups, cleanings, or pay for you to get fillings. Medicare will never pay for dentures. Even if Medicare has paid for you to have teeth pulled (extracted) as preparation for a medical procedure, Medicare […]
  • Relocating With Your Medicare Supplement October 9, 2017
    If you’re enrolled in a Medicare Advantage plan or a Medicare Part D Prescription Drug Plan, a change in residence, such as moving to another state, could qualify you for a Special Election Period (SEP). During your SEP, you’re allowed to enroll into a new  plan that is offered in your new service area. If you decide to permanently move somewhere that’s not […]
  • September is Lfe Insurance Awareness Monthi September 14, 2017
    Now that we're halfway through September, it's about time we mention Life Insurance Awareness Month (LIAM).  The purpose of promoting LIAM is to make the public aware that life insurance has a purpose and why we all need to have coverage.For people who are married and/or have children, here are a few reasons to get some coverage. 1.  Pay off your d […]

  • What Is Final Expense Insurance? April 16, 2018
    We've all seen the commercials on TV with Alex Trebek telling senior citizens that they can cover the cost of a funeral with a life insurance policy.  But what kind of insurance is it and how much will it cost?Usually, final expense coverage is a whole life policy, which is the most expensive type of life insurance because it builds some cash value.  Bu […]
  • Time To Insure Your Love Again February 5, 2018
    February is when the life insurance industry wants you to "insure your love".  Using the month of Valentine's Day for promotion may sound cheesy but doesn't this get to the matter of what life insurance is all about?When you really get down to it, life insurance isn't for the person who is covered, but to pay a benefit to those loved […]
  • Does Medicare Cover Dental Services? October 30, 2017
    Did you know that Medicare will not cover dental care that you need primarily for the health of your teeth? For example, Medicare will not cover routine checkups, cleanings, or pay for you to get fillings. Medicare will never pay for dentures. Even if Medicare has paid for you to have teeth pulled (extracted) as preparation for a medical procedure, Medicare […]
  • Relocating With Your Medicare Supplement October 9, 2017
    If you’re enrolled in a Medicare Advantage plan or a Medicare Part D Prescription Drug Plan, a change in residence, such as moving to another state, could qualify you for a Special Election Period (SEP). During your SEP, you’re allowed to enroll into a new  plan that is offered in your new service area. If you decide to permanently move somewhere that’s not […]
  • September is Lfe Insurance Awareness Monthi September 14, 2017
    Now that we're halfway through September, it's about time we mention Life Insurance Awareness Month (LIAM).  The purpose of promoting LIAM is to make the public aware that life insurance has a purpose and why we all need to have coverage.For people who are married and/or have children, here are a few reasons to get some coverage. 1.  Pay off your d […]
  • You Don't Have To Be Famous To Screw Up Your Estate August 28, 2017
    Did you know that Prince didn't have a will at the time of his death?  Now a judge is having to distribute the musician's $300 million estate to his 6 siblings. James Gandolfini was worth $70 million when he died in 2013, but because he didn't finish his planning, his estate paid approximately 55% taxes.  That's hefty!Florence Griffith Jo […]
  • Why Small Business Owners Need a Buy-Sell Agrement August 17, 2017
    What happens when a partner in a business dies?  How does this impact the surviving partner?Let's create a scenario.  Bill and Mary open a business and own it 50/50.  The business is doing well.  But one evening on his way home to his family, a truck crosses the center line and hits Bill head on.  Bill dies.After Bill's funeral, Mary realizes that […]
  • The Agents' Problems With Health #Insurance July 21, 2017
    As we all know, health insurance changed dramatically in this country several years ago with the ACA or Obamacare rules.  Instead of individual policies with various deductibles, companies were forced to offer policies with "essential health benefits" or ESB's, which meant that all policies had to offer certain coverages.  This, as well as for […]
  • "You're Going To Be Great At This!" now available on Amazon.com June 14, 2017
    Recently, Chris Castanes, the president of Surf Financial Brokers, has released his first book, "You're Going To Be Great At This!", a humorous look at his career in sales.  Part primer and part memoir, this books gives you the inside scoop on recruiters, sales managers and crazy customers.If you are considering a career in sales or are alread […]
  • Does Your Beneficiary Know Where To Find Your Life Insurance Policy? May 16, 2017
    So you've purchased a life insurance policy because you are very responsible and want to make sure that your loved ones have enough money in case you die too soon.  That's awesome, but you have one more job to do and that job is to make sure your beneficiary knows where to find the policy.Many times, we throw the policy in a cabinet or a safe box a […]