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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 […]

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 […]

When I talk with clients about the differences in term and permanent life insurance I get a wide array of opinions. While most prefer term coverage because it is much cheaper, others would rather "lock in" on a price with some sort of permanent coverage. Actually, they can both do well if structured properly, while at the same time, stay in a budge […]

We can presume that most of us enjoy earning a living, getting a paycheck (nowadays direct deposit is the norm) and having some discretionary, or "leftover" money to use after paying our bills. Those funds are what we use for the fun stuff, like eating a meal at a restaurant or seeing a movie or treating a friend to lunch. But what happens when tho […]

One of the things that can confuse people when purchasing life insurance (and other types of coverage as well) is the various types of riders that are available. These riders are simply add-ons that can increase the coverage of your policy. One of these riders is the Guaranteed Insurability Option (GIO), also known as the Guaranteed Purchase Option (GPO). Th […]