Archive | Insurance

First Aid Kit and Key

A Primer on Obamacare

Love it or hate it, if you need to purchase health insurance coverage, you’ll have to understand your options under the Affordable Care Act. This Q&A will focus on individual health insurance policies.   What is the “exchange?” The Affordable Care Act marketplace exchange is a centralized place where insurers can sell their plans; like […]

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My Obamacare Experience (thus far)

I’ve been waiting to see the details of the insurance plans available through Obamacare, so first thing the morning of October 1 I clicked over to to check it out.  I was unpleasantly surprised to find out registration is required to get any info (other insurance quoting sites I’ve utilized in the past only […]

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Injured Piggy Bank WIth Crutches

Obamacare is coming- are you ready?

Will you be buying next year’s health insurance on the new exchanges?  Starting Tuesday October 1, individuals can enroll online at for coverage effective January 1, 2014.  Small businesses can enroll beginning October 1 as well, but can’t do it online until November 1 due to a delay on that end.  The deadline for […]

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plasticine labyrinth

Surviving the Medicare Part D Maze

It’s open enrollment season for many folks, the time of year to make any changes to employee benefits. But open enrollment isn’t just for employees. It’s also the season for seniors to adjust Medicare options. One of the most complicated set of options to consider is prescription drug coverage. There are two ways for beneficiaries […]

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rain boots - 03

You and Your Insurance Policy- Thunder Buddies for Life

The weather’s been a little crazy here in the Northeast lately.  We’ve had so many drenching rainstorms that I’ve even thought about buying a pair of rain boots (sorry Mom, that was a fleeting thought), and I hate boots.  After having lost power for four days during Hurricane Irene, every time the lights flicker now […]

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The Life Insurance Application Process

1.  Preliminary questions:  Your agent will ask you some basic health questions to determine the best carrier for you.  Carriers underwrite medical conditions differently, and an agent with access to multiple carriers should know which will be most favorable for you.  You should also select a carrier with strong financial health. 2.  Formal application:  You […]

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Part 2A & B of Form ADV: Firm Brochure