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As we age, our chances of needing some form of long-term care increase. This could mean needing help with activities of daily living (ADLs) such as bathing, dressing, and eating, or needing more specialized care such as skilled nursing.Long-term care can be expensive, and many people don't have the savings to cover the cost. This is where short-term hom […]

Life insurance is typically thought of as a way to provide financial security for your loved ones after you die. However, some life insurance policies also offer living benefits, which are features that can provide financial assistance to you while you're still alive.There are many different types of living benefits, but some of the most common include: […]

Accidents happen every day, and they can have a significant financial impact on those who are injured. Medical expenses, lost wages, and other costs can add up quickly, leaving many people struggling to make ends meet.This is where accident insurance can help. Accident insurance is a type of supplemental insurance that provides financial assistance to people […]

Cancer is a serious disease that can have a devastating impact on a person's physical and financial health. The cost of cancer treatment can be high, and even with health insurance, many people find themselves struggling to pay for their care. Cancer insurance can help to ease the financial burden of cancer by providing a lump sum of money to help cover […]

When people are planning for retirement, one very important piece of the puzzle is often neglected. While thinking of once-in-a-lifetime trips and pickleball sound fun, long term care expenses have to be part of the equation. As mentioned in a previous post, the "no go years" happen when one's health deteriorates into a chronic illness. Caregi […]

As we age, our chances of needing some form of long-term care increase. This could mean needing help with activities of daily living (ADLs) such as bathing, dressing, and eating, or needing more specialized care such as skilled nursing.Long-term care can be expensive, and many people don't have the savings to cover the cost. This is where short-term hom […]

Life insurance is typically thought of as a way to provide financial security for your loved ones after you die. However, some life insurance policies also offer living benefits, which are features that can provide financial assistance to you while you're still alive.There are many different types of living benefits, but some of the most common include: […]

Accidents happen every day, and they can have a significant financial impact on those who are injured. Medical expenses, lost wages, and other costs can add up quickly, leaving many people struggling to make ends meet.This is where accident insurance can help. Accident insurance is a type of supplemental insurance that provides financial assistance to people […]

Cancer is a serious disease that can have a devastating impact on a person's physical and financial health. The cost of cancer treatment can be high, and even with health insurance, many people find themselves struggling to pay for their care. Cancer insurance can help to ease the financial burden of cancer by providing a lump sum of money to help cover […]

When people are planning for retirement, one very important piece of the puzzle is often neglected. While thinking of once-in-a-lifetime trips and pickleball sound fun, long term care expenses have to be part of the equation. As mentioned in a previous post, the "no go years" happen when one's health deteriorates into a chronic illness. Caregi […]

For the last few years we at Surf Financial Brokers have offered a dental/vision/hearing combo plan. And to be honest, we weren't too crazy about it because the dental portion of the plan had a network that just didn't work for most of our clients. We listened to your feedback and have taken on another dental and vision insurance carrier. However, […]

First, I'd like to thank all of our clients throughout the southeast for allowing Surf Financial Brokers to help with their life insurance needs, as well as their disability, cancer, accident and long term care insurance. We greatly appreciate the trust people have put in us. With that in mind, I also want to thank everyone for all the referrals you sen […]

I spend a portion of my time working in the "voluntary benefits" arena as an enroller, or "benefits counselor". In a nutshell, I enroll benefits for large groups, like schools, hospitals and municipalities, for example. Typically I sit with an employee in a one-on-one meeting and review their current benefits and check to see if they need […]

Were you aware that this country has a looming retirement crisis? The truth is that far too many people are not contributing to any type of savings plan, including 401(k)s or SEP's. And far less have planned for long term care expenses, which could erode any savings that are in place. On top of that, only about 40% of people have the amount of life insu […]

We often hear about people who need funds in an emergency. Someone who has a medical emergency, for example, may need some quick cash for hospital bills, deductibles, co-pays. Along with that could be a shortage of money to pay bills while out of work. A general rule of thumb has been to make sure you have six months of money saved to pay bills, but many rar […]