Wednesday, December 6, 2017

Short Term vs Affordable Care Act

The Affordable Care Act(ACA) has turned out to be a flawed program, the program has helped a number of normally uninsured people obtain coverage and receive a subsidy to reduce the costs; however,&... READ MORE >>

Monday, October 30, 2017

Short Term Health Policies

United Health Care offers a number of Short-Term Health Insurance policies.  The short term policy is NOT Affordable Care Act(ACA) Health Insurance, at end of the year a short term policy holder will NOT receive a 1095-B form. READ MORE >>

Friday, October 13, 2017

2018 Affordable Care Act

The 2018 Open Enrollment period is shorter this year, it extends from 11-1-2017 to 12-15-2017....that is it.  Anthem Blue Cross/Blue Shield has pulled out of St.Louis, St. READ MORE >>

Sunday, September 17, 2017

Newly mapped into a flood zone

In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what? READ MORE >>

Monday, August 14, 2017

Review Auto Insurance Liability Limits

A client asked me, I carry 50/100/50 liability limits, is that adequate?  This is a loaded question, I would say yes it is adequate if a minor accident occurs; however, if a major accident occurs you better hope your policy limits are not exhausted. READ MORE >>

Tuesday, July 18, 2017

Flood Info on 4-28-17 and 5-11-17

On 7-14-17, FEMA(Federal Emergency Mgmt Agency)announced two weeks remain for Missouri Homeowners, Renters and Businesses to apply for disaster assistance, deadline is 8-1-2017, for low interest loans from the U. READ MORE >>

Wednesday, July 12, 2017

Dogs and homeowner insurance

Recently I read trade magazine about why homeowners insurance exclude certain dog breeds.   Apparently 1/3 of all homeowner claims are dog related and an average claim is $33,000. READ MORE >>

Monday, June 26, 2017

Children at college

Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection.  As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>

Friday, May 5, 2017

Rental Car/Loss of Use Coverage for car insurance

If I have a dealer warranty why would I need Rental Car or sometimes called Loss of Use Coverage for my car?   The reason is an extended warranty does not include rental car if car is damaged in an accident or some other claim. READ MORE >>

Sunday, March 26, 2017

Roadside Assistance(Towing) coverage

Towing or Roadside Assistance coverage, when added to your auto policy, is an inexpensive way to avoid large expense for a towing issue. READ MORE >>