Blog
Life Insurance Exams
This blog post explains the necessity of medical exams for life insurance policies over $1 million. While some companies offer coverage up to this amount without an exam, most require it to assess risk and ensure applicants aren’t terminally ill. Getting coverage while healthy is advised to avoid issues with pre-existing conditions.
Understanding Your Insurance Needs
This article guides readers on determining the necessary insurance coverage for their needs and aims to help individuals make informed decisions to ensure comprehensive protection against potential risks and unforeseen events.
Co-Pays and Deductibles Explained
Clarifying the difference between co-pays and deductibles in health insurance. We explain how co-pays are fixed fees paid for specific services, while deductibles are amounts paid out-of-pocket before insurance coverage kicks in, and help you better understand these terms to make informed decisions about your healthcare expenses and insurance plans.
Getting The Right Group Insurance
This blog explains how offering better benefits can help companies attract top talent. It highlights the importance of competitive benefits packages, including health insurance, retirement plans, and wellness programs, in drawing skilled employees.
Supplemental Insurance
This article discusses supplemental insurance, which offers additional coverage to help manage out-of-pocket medical expenses not covered by primary insurance. It outlines the benefits of various supplemental plans, such as accident, hospital stay, critical illness, cancer, and short-term disability coverage, all of which provide direct financial assistance to policyholders.
Cost of Insurance
The rising cost of insurance can be a frustrating reality, especially when considering the various factors that contribute to it. In this blog, we delve into the reasons behind expensive insurance premiums, exploring the impact of age, health, lifestyle choices, and coverage amounts.
Inflation Reduction Act
This article discusses the Inflation Reduction Act’s impact on Medicare beneficiaries. The article concludes that these changes could bring positive improvements to the lives of millions of Medicare beneficiaries.
Relationships in Healthcare
This article emphasizes the importance of relationships in healthcare, arguing that price is just one factor to consider. Prioritize relationships with your care team, including your insurance agent, for optimal support and care during difficult times.
Planning Ahead
This article encourages readers to look beyond the cost of life insurance and consider the long-term benefits, including living benefits and convertibility options. It highlights the potential of life insurance as a financial vehicle and emphasizes the importance of exploring all available options to make informed decisions.
Contact Us
Ready to explore your insurance options? Contact us today! Let’s start a conversation about how we can meet your insurance needs and secure your future. At JWS Insurance, we treat you like family!