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Benefits Education

What is Evidence of Insurability

Benefits A-Z: What is Evidence of Insurability?

Evidence of Insurability, or EOI for short, is a form that details your medical history and your current health information. It’s required by the insurance company for certain types of coverage, like a life insurance or disability insurance policy. The insurance company uses the information from the EOI to determine…
Times You Should Update Your Life Insurance Policy

5 Times You Should Update Your Life Insurance Policy

When it comes to life insurance, most families in the U.S. are under-insured. The gap between what they have and what they need is nearly $320,000*. The problem is that many people will purchase life insurance and then forget all about it. However, your finances will change throughout the course…

Short and Long Term Disability Comparison

It’s not a fun hypothetical to think about, but the prospect of becoming ill or injured is a very real possibility that everyone should be prepared for, whether it happens or not. 68% of adult Americans have NO savings in place for emergencies.* Should you become disabled, temporarily or long…
D is for Deductible

Benefits A-Z: A closer look at deductibles

When it comes to having medical insurance, the term “deductible” is common to many. Varying in strata, from high deductibles to low deductibles, policy owners pay particular attention to this threshold and with good reason. How much are you expected to pay? When does the insurance company start to contribute?…
Individual Life Insurance vs. Life Insurance

Individual Life Insurance vs. Group Term Life Insurance

Life insurance can often be very confusing. When you hear terminology like “individual life” versus “group term life”, how do you know the difference? Should you choose one or the other, or should you have both? And most importantly, are you making the right decision for you and your family?…