Halloween Safety: What Your Auto and Homeowners Insurance Should Cover This Season
Posted: October 16, 2026
Halloween is one of the busiest nights of the year for pedestrians, with trick-or-treaters of all ages moving through neighborhoods after dark. Between excited kids darting between houses and drivers navigating dimly lit streets, it's a night that calls for extra caution, both behind the wheel and at home. Safer Driving on Halloween Night Drivers can help reduce risk by slowing down in residential areas,...
Deductibles, Copays, and Coinsurance: Understanding Your Health Insurance Costs
Posted: October 10, 2026
Health insurance comes with its own vocabulary, and terms like deductible, copay, and coinsurance are often used without much explanation. Understanding what each one means, and how they work together, can make it easier to estimate your actual costs and compare plans more confidently. What Is a Deductible? A deductible is the amount you generally pay for covered healthcare services before your insurance plan starts...
Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs
Posted: October 7, 2026
Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy. What Is a Life Insurance Rider? A rider is an optional provision added to a life insurance policy, usually...
Medicare Part D Explained: Understanding Prescription Drug Coverage
Posted: October 6, 2026
Prescription drug costs are a significant consideration for many people on Medicare, and Medicare Part D is the part of the program specifically designed to help with those costs. Understanding how Part D works, and what's changed in recent years, can make it easier to choose a plan that fits your needs. What Medicare Part D Covers Medicare Part D is prescription drug coverage offered...
Cybersecurity Awareness Month: Does Your Business Need Cyber Liability Insurance?
Posted: October 4, 2026
Every October, the Cybersecurity and Infrastructure Security Agency (CISA) leads Cybersecurity Awareness Month, a nationwide effort to help individuals and organizations better protect themselves online. For small and mid-sized businesses, it's also a timely reminder to think about how a cyberattack or data breach could affect operations, and whether cyber liability insurance has a role to play in your risk management plan. Why Cyber Risk...
