• Do I Have To Pay Taxes On Disability Insurance? March 5, 2021
    If you have been receiving disability benefits from an insurance company you may be wondering if you are responsible for paying taxes on those benefits. The answer really depends on the type of coverage you have and how the insurance premiums are being paid.*For instance, if you are receiving benefits through a plan that is offered through your employer and […]
  • Can I Change My Health Insurance Now? March 3, 2021
    For people who have been without health insurance during the pandemic, relief may be in sight. President Biden signed an executive order this past January to open up the federal health insurance marketplace for three months so uninsured people can buy a plan and those with plans can make changes.Since 2016 the number of Americans without health insurance has […]
  • Do People Have Enough Life Insurance? March 1, 2021
    Many Americans do not have nearly enough life insurance to support their families’ needs. In fact, about 44% of families say they would face financial hardship in six months if the primary wage earner were to die, noted David Levenson, president and CEO of LL Global, in a recent video presentation. Now, a group of life insurance organizations is aiming to ch […]
  • What Is The Current State Of Long Term Care Part 3 February 26, 2021
    In the previous posts we took a look at what Long Term Care (LTC) is as well as how those who suffer from chronic illnesses are cared for in various types of facilities. As explained, stays in nursing homes and assisted living facilities are not cheap. Statistically 2 out of every 5 people will need some sort of LTC services, and the cost of those services i […]
  • What Is The Current State Of Long Term Care? Part 2 February 24, 2021
    In the previous post we looked at Long Term Care (LTC) services and when people need them. Included in that summary was how expensive LTC can be. As discussed, someone can work their whole life to build a nest egg of assets, only to have those assets depleted due to a chronic illness. The alternative is to shift that financial risk to an insurance company by […]

  • Do I Have To Pay Taxes On Disability Insurance? March 5, 2021
    If you have been receiving disability benefits from an insurance company you may be wondering if you are responsible for paying taxes on those benefits. The answer really depends on the type of coverage you have and how the insurance premiums are being paid.*For instance, if you are receiving benefits through a plan that is offered through your employer and […]
  • Can I Change My Health Insurance Now? March 3, 2021
    For people who have been without health insurance during the pandemic, relief may be in sight. President Biden signed an executive order this past January to open up the federal health insurance marketplace for three months so uninsured people can buy a plan and those with plans can make changes.Since 2016 the number of Americans without health insurance has […]
  • Do People Have Enough Life Insurance? March 1, 2021
    Many Americans do not have nearly enough life insurance to support their families’ needs. In fact, about 44% of families say they would face financial hardship in six months if the primary wage earner were to die, noted David Levenson, president and CEO of LL Global, in a recent video presentation. Now, a group of life insurance organizations is aiming to ch […]
  • What Is The Current State Of Long Term Care Part 3 February 26, 2021
    In the previous posts we took a look at what Long Term Care (LTC) is as well as how those who suffer from chronic illnesses are cared for in various types of facilities. As explained, stays in nursing homes and assisted living facilities are not cheap. Statistically 2 out of every 5 people will need some sort of LTC services, and the cost of those services i […]
  • What Is The Current State Of Long Term Care? Part 2 February 24, 2021
    In the previous post we looked at Long Term Care (LTC) services and when people need them. Included in that summary was how expensive LTC can be. As discussed, someone can work their whole life to build a nest egg of assets, only to have those assets depleted due to a chronic illness. The alternative is to shift that financial risk to an insurance company by […]
  • What Is The Current State Of Long Term Care? Part 1 February 22, 2021
    Over the past year nursing homes, assisted living facilities and other facilities that house the chronically ill, mostly the elderly*, have been ravaged by Covid. The numbers of infections and deaths are heartbreaking, especially since the vast majority of these people are isolated from their families. But why are all of these people in these facilities to b […]
  • What Is Your Insurance Agent's Work Situation? February 19, 2021
    Have you ever wondered why some insurance agents like to suggest some insurance products or companies more than others? There are a lot of reasons why this happens.  Some reasons may be legitimate concerns while others may have to do with the agent and his relationship with the carriers. Let's take an objective look at why this happens. To begin with, t […]
  • How Can I Get Quotes For Life Insurance? February 17, 2021
    Over the last year or so, we at Surf Financial Brokers have made changes in our business model to make it a lot easier for our clients to purchase various types of insurance. Even before the Covid pandemic forced businesses to go virtual, we were thinking of ways to alter our business model. The events of 2020 just forced us to speed up the process. The most […]
  • Is Your Agent Too Pushy? February 15, 2021
    Insurance agents have reputations as pushy salespeople similar to those who sell used cars. When I originally went into the business I was fully aware of this and was resistant to even get into the industry. To be honest, the first company I worked with was guilty of feeding into this stereotype. The reason for this was that instead of trying to be a consult […]
  • 5 Advantages of Life Insurance February 12, 2021
    Life insurance can be essential for protecting your family financially in case of a tragedy, but many people go without it. In fact, nearly half of American adults do not have life insurance at all. One reason is that people assume life insurance is too expensive. For example, when asked to estimate the cost of a $250,000 term life policy for a healthy 30-ye […]