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When we think of things children want, it's usually a toy or some other "fun" item. And kids will get that item, play with it for a while and soon it becomes part of a pile of toys that sits in the corner, only to be played with occasionally. One thing that a child does love is stability. Not having to worry about bills and other "grown u […]

Let's assume for a moment that you had "purchase life insurance" on your list of "things to do in 2025" but you put it off and forgot about doing it. Now it's 2026 and, unfortunately, you are dead. There's no life insurance to pay out and your family (or business) is in financial trouble. Monthly bills need to be paid. Sinc […]

Being your own boss has plenty of perks — freedom, flexibility, and control over your career. But it also comes with unique financial risks, especially when it comes to health. Without the safety net of employer-provided benefits, a major illness could threaten not only your wellbeing but also your livelihood. That’s why critical illness insurance is a smart […]

The clock is ticking. As December rushes to a close, you might be wondering if it's too late to secure a vital piece of your financial puzzle: life or disability insurance. The reality is that the new year often brings higher rates, especially if your birthday is just around the corner, and the complicated underwriting process requires time—time you are […]

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 […]

When we think of things children want, it's usually a toy or some other "fun" item. And kids will get that item, play with it for a while and soon it becomes part of a pile of toys that sits in the corner, only to be played with occasionally. One thing that a child does love is stability. Not having to worry about bills and other "grown u […]

Let's assume for a moment that you had "purchase life insurance" on your list of "things to do in 2025" but you put it off and forgot about doing it. Now it's 2026 and, unfortunately, you are dead. There's no life insurance to pay out and your family (or business) is in financial trouble. Monthly bills need to be paid. Sinc […]

Being your own boss has plenty of perks — freedom, flexibility, and control over your career. But it also comes with unique financial risks, especially when it comes to health. Without the safety net of employer-provided benefits, a major illness could threaten not only your wellbeing but also your livelihood. That’s why critical illness insurance is a smart […]

The clock is ticking. As December rushes to a close, you might be wondering if it's too late to secure a vital piece of your financial puzzle: life or disability insurance. The reality is that the new year often brings higher rates, especially if your birthday is just around the corner, and the complicated underwriting process requires time—time you are […]

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 […]