Blog

Millennials have traditionally been wary of purchasing life insurance, mostly because they have student debt, mortgages and other debt. Another factor is that the vast majority of term life policies don't pay out death claims because the insured outlives the policy. (Depending on who you ask, only about 1-3% of term policies actually pay out).With this […]

We can all agree that we live in a world of TV ads, social media posts and lots of other noise pertaining to most products, their benefits and other information. But the one thing that the majority of people want to know is the price of the product before they do a deep dive for the rest of the information. This is why we make it as easy as possible for you […]

Recently we have had clients (and prospective clients) ask questions about our Disability Insurance plans. Specifically, they have been asking how much coverage should they purchase. One of our carriers has developed a Disability Insurance worksheet that helps people determine how much will be needed. Generally, we advise that people use the MUG (mortgage, u […]

When most people think of cancer insurance, they think about paying for medical bills. But cancer insurance can offer much more than just coverage for hospital stays and treatments. Here are three lesser-known benefits that could make a significant difference for you and your loved ones: 1. Coverage for Non-Medical Expenses Cancer treatment doesn’t just affe […]

Surf Financial Brokers is thrilled to announce the addition of UnitedHealthcare ancillary products to our suite of offerings. This expansion allows us to deliver even greater value and flexibility to our clients, helping employers and individuals access a broader range of health and financial protection solutions. What Are Ancillary Products? Ancillary produ […]

Millennials have traditionally been wary of purchasing life insurance, mostly because they have student debt, mortgages and other debt. Another factor is that the vast majority of term life policies don't pay out death claims because the insured outlives the policy. (Depending on who you ask, only about 1-3% of term policies actually pay out).With this […]

We can all agree that we live in a world of TV ads, social media posts and lots of other noise pertaining to most products, their benefits and other information. But the one thing that the majority of people want to know is the price of the product before they do a deep dive for the rest of the information. This is why we make it as easy as possible for you […]

Recently we have had clients (and prospective clients) ask questions about our Disability Insurance plans. Specifically, they have been asking how much coverage should they purchase. One of our carriers has developed a Disability Insurance worksheet that helps people determine how much will be needed. Generally, we advise that people use the MUG (mortgage, u […]

When most people think of cancer insurance, they think about paying for medical bills. But cancer insurance can offer much more than just coverage for hospital stays and treatments. Here are three lesser-known benefits that could make a significant difference for you and your loved ones: 1. Coverage for Non-Medical Expenses Cancer treatment doesn’t just affe […]

Surf Financial Brokers is thrilled to announce the addition of UnitedHealthcare ancillary products to our suite of offerings. This expansion allows us to deliver even greater value and flexibility to our clients, helping employers and individuals access a broader range of health and financial protection solutions. What Are Ancillary Products? Ancillary produ […]

In today's ever-changing economic landscape, protecting your income has never been more important. Disability insurance serves as a vital financial safety net, especially during periods of economic uncertainty. Here's why this often-overlooked insurance is so vital. As difficult as it is to deal with job losses and reduced income, it can be even mo […]

Being your own boss comes with a unique set of rewards – freedom, flexibility, and the satisfaction of building something from the ground up. But it also comes with unique risks, especially when it comes to healthcare. For self-employed individuals and small business owners, a sudden hospital stay can wreak havoc on both personal finances and business operat […]

One of the top reasons people give when purchasing an individual Disability Insurance (DI) policy is that it's part of their retirement planning. You see, when people save during their working years, most likely that money is being saved for their retirement. However, one illness or accident could not only keep that person from working, but the loss of […]

At Surf Financial Brokers, we know you are busy. Between work, family and other activities, it can be difficult to meet with an insurance agent to discuss the different types of life insurance, or to get a quote for a cancer plan. With that in mind, we have upgraded our scheduling calendar and made it accessible for you to set a time to meet that is convenie […]

Happy 2025! I hope you've got your New Year's resolutions in order and  that one on your list is making sure that you've got your paycheck protected. When I speak to groups I ask what is their number one asset is. People will say it's their house or their car or collectibles, but the number one asset you have is your ability to earn a liv […]