Travel Medical Insurance protects you in the event of an illness or injury when traveling outside your country of residence. It provides key medical benefits in case of an emergency. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have limited coverage […]
Presented by: Christopher F. Hawthorne, CPCU, CIC When a child moves out of the home, it can be both exciting and heartbreaking. As one phase of life is ending, another wonderful one begins. However, the danger lurking within the parents’ home and auto insurance, as well as within certain privacy laws, can often be overlooked. […]
* Tax-free source of cash Cash values can be accessed either as loans or withdrawals to cost basis and then loans Dividends can be taken in cash, as opposed to buying paid-up additions * Supplemental income at retirement for Key Employees using Deferred Compensation Plan Section 162 Executive Bonus Split Dollar Plan * Supplemental income […]
Presented by: Alyssa Tkach Every homeowner can attest to the importance of protecting their home. Although many are aware of the potential destruction of disasters such as fires and storms, there is less knowledge overall about the significance of home water leaks. In fact, according to Bloomberg’s article, “The Hidden Property Danger Lurking in Your […]
Oral wellness is the foundation for overall health, so regular visits to the dentist for checkups and cleanings are fundamental to making your smile last and preventing tooth decay and gum disease. Even if you don’t have any symptoms, dental exams are important to make sure your teeth and gums stay healthy. And if problems […]
Presented by: Christopher F. Hawthorne Many contractor businessowners face the question of what to do about employees that moonlight at night and on weekends. Does allowing employees to moonlight put a business in harm’s way? It could. When an employee moonlights, they are taking on the same general liability, workers compensation, and auto exposures as […]
What is DOC? Presented by Christopher F. Hawthorne, CPCU, CIC Often people own a vehicle that is in the name of a business with no vehicle in their personal name to be used both personally and commercially. This ownership structure puts one in a position of not having auto insurance coverage in certain situations. Commercial […]
Presented by Christopher F. Hawthorne, CPCU, CIC Separation and divorce can be a stressful and emotional time, even with divorce lawyers in Jonesboro Arkansas handling the majority of the paperwork. Many complications and issues can arise at any time, emotions can make it difficult to process tasks and facts, and divorce marks a permanent change […]
The Tax Cut & Jobs Act now provides each taxpayer an $11.2 million estate tax exemption {very unlike the MA $1 million threshold exemption applicable to Massachusetts residents} – doubling the exemption established by the Obama Administration. Now is a good time for all clients to review their existing plans with their advisor team to ensure […]
Something isn’t right. As a country, we are getting sicker every day. Productivity is on the decline, and most employees report not being engaged while on the clock. Relentless increases in healthcare costs are crippling organizations, and the future promises more of the same. We are quickly reaching a crossroads where the cost of healthcare […]