September 2019

Most experts advocate 5-10 times your salary though this can be a very personal issue for a lot of our clients. Another approach may be to use an income needs analysis tool like the one available at https://lifehappens.org.  This is for educational purposes only.

Term life insurance provides low-cost coverage for a defined period of time. We offer ten, fifteen, and thirty-year level term options, although the best buy for the money is typically a twenty-year level term. The defined period is the length of time the rate remains the same. Selection of a term policy should coincide with

“The best time to buy life insurance is right before you need it.” Normally, if we knew that, the rate would be prohibitive because of some medical problem. So, the best time to buy life insurance is when you are in good health. This could be at a young age, or it could be when

For a long-term need, permanent coverage is an excellent choice. Let’s assume a 25-year-old needs $100,000 for as long as he lives. With a level premium to age 95, the insured would have paid $7,770 over 30 years compared with $14,129 for a 20-year term (the term rate goes up after 20 years). At age

Nearly one-half of all adults will be disabled for ninety days or more before they reach age 65. You will want to have at least 50% of your salary covered in the event of an accident or illness. Group Long Term Disability (LTD) coverage is generally less expensive, but it must be offered through your

Today, individual coverage can be less expensive than group coverage. We offer coverage with Anthem Blue Cross, Ambetter and Kaiser.  For individual medical quotes, please email us your date of birth and home zip.  We can send you quotes and no one will call (cturner@executive-ideas.com)

Health Savings Accounts are medical health plans with a high deductible. The high deductible results in a lower premium than most people have today. In addition, you can fund a medical savings account to pay the deductible and other non-reimbursed or out of pocket expenses for medical, dental and optical costs. Both the premium and

The best time is in your 50s rather than you 60s or 70s. Sixty percent of people who reach the age of 65 will need some form of Long Term Care during their lives.4 More than 80% of all people receiving Long Term Care assistance are not in a nursing home.5 Medicare will not pay

Our mission is to render the same high-quality service to every client regardless of size and complexity. We treat every client like the long-term working relationship we hope they will become. We are happy to meet with individual clients and group policyholders on an annual or as-needed basis. In addition to meeting their traditional insurance