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Insured For Life is dedicated to keeping you informed on all your insurance options, so make sure to check out our blog for more information!
Will Medicare Cover Emergency Room Visits?
If you are enrolled in Medicare Part B, emergency room visits will be covered through that plan. You may pay copayments or a deductible, but
How To Protect Your Medicare Card!
Medicare fraud is a real thing. There are people that aim to steal your identity by using your Medicare card illegally. This often occurs during
Lost Your Medicare Card? Here’s What to Do!
Your Medicare card displays proof that you are entitled to Medicare benefits. If you lose your card, you will have to order a new one.
Can You Choose The Same Medicare Plan As Your Spouse?
When you reach retirement age, you get a new option for health insurance coverage. Through Medicare, millions of Americans receive affordable health insurance coverage. But
What Affects My Car Insurance Rates?
Car insurance protects you if you are involved in a vehicular accident. With insurance, you can have property damage and bodily injuries covered. But how
What is Life Insurance Underwriting?
When you purchase a life insurance policy, you need to qualify first. The underwriting process is used to determine your risk level. That risk level
What is a Life Insurance Coverage Gap?
When you have too little life insurance coverage, that’s called a life insurance coverage gap. If you die during a coverage gap, your dependents won’t
How Can I Determine If I Need Life Insurance?
Life insurance will offer a financial safety net for your loved ones in the instance that you happen to die unexpectedly. When you die while
Home Insurance vs. Mortgage Insurance
When you choose to purchase a home, the mortgage lender may require you to also secure homeowners insurance or mortgage insurance. If you aren’t sure
Will Home Insurance Cover Termite Damage?
When someone purchases a home, they never expect pests to come and damage the property. Though, sometimes intruders like termites can come in and wreak
How Are Medigap Premiums Determined?
If you are tired of paying all of your out-of-pocket costs by yourself, a Medigap plan can help you. These plans lower your financial obligation
Can I Have Medicare With Other Health Insurance?
If you have major health insurance but still wish to enroll in a Medicare plan, you may be wondering how Medicare benefits interact with other
Will Medicare Cover E-Visits?
Telemedicine has increased the accessibility of health care services. Because telemedicine and e-visits are now more available than ever, many wonder if Medicare coverage will
Do You Need A Home Insurance Rider?
Insurance products protect you from financial liability. Home insurance policies are unique in that they offer a variety of riders that can enhance your protection.
Does Home Insurance Have A Deductible?
When you purchase insurance, you’ll likely sign a contract that states that you must pay a deductible before your benefits can be used. The deductible
Top 5 Reasons To Get Home Insurance
Insurance exists to protect you from financial losses if you experience an incident that is covered by the policy. By insuring your home, you can
What Can You Do If You Can’t Afford Car Insurance?
Car insurance is mandatory in most states, so it’s usually illegal to drive without coverage. If you can’t afford car insurance, it’s best not to
What Can Disqualify You From Getting Life Insurance?
Life insurance protects your loved ones financially if you happen to die. To get life insurance, you must undergo a medical exam and submit health
Can You Enroll Your Parents In Medicare?
If your parents are approaching retirement age, you may be concerned about whether they’ll have access to health care coverage when they need it. Some
What Happens If You’re Hit By An Uninsured Driver?
Insurance exists to protect you from financial catastrophe when unexpected circumstances, like car accidents, occur. Yet, if you don’t have the appropriate coverage, being hit
What Are The Four Metal Tiers of ACA Plans?
The Marketplace is an online exchange used to compare and purchase ACA-compliant insurance. In the Marketplace, plans are categorized into metal tiers. Each metal tier
Who Is Eligible for ACA?
The Affordable Care Act, also known as Obamacare, gives uninsured Americans access to health insurance. To find out if you are eligible for ACA coverage,
What Does An Umbrella Policy Not Cover?
If you’re in the market for an umbrella insurance policy, you may be wondering what these plans do and do not cover. Primarily, umbrella insurance
How Does Umbrella Insurance Work?
There is a low-cost way to get extra liability coverage. It’s called umbrella insurance. These plans provide you with additional coverage that is applied on
Do You Need Indexed Universal Life Insurance?
Life insurance offers coverage that protects your loved ones in the event of your death. All permanent life insurance plans feature a cash savings component,
Pros and Cons of Indexed Universal Life Policies
There are many life insurance options available. One of them is indexed universal life insurance. These plans offer permanent life insurance policies that have a
What Is the Point of Short Term Health Insurance?
Health insurance helps pay for medical expenses that would otherwise be very expensive. This type of coverage is essential for Americans because health care costs
How Long Can You Stay On Short Term Health Insurance?
Short-term health insurance plans refer to any form of health coverage that only covers members for a limited period. Although these plans don’t cover the
Short Term Health Plans vs. ACA Plans
Buying health insurance is important if you want to be capable of affording regular health care services. But there are several health insurance options for
Permanent vs. Term Life Insurance
Life insurance products provide your loved ones with a death benefit payment when you pass away. You can choose how much you want them to
Which Life Insurance Policy Is Best For You?
The right life insurance policy has the largest benefit value within your budget. Invest in a policy now to protect your family and their financial
Can I Have More Than One Life Insurance Policy?
Yes. There are quite a few reasons why some people choose to hold more than one life insurance policy. Types of Life Insurance Policies Term
Who Needs To Be On My Auto Insurance Policy?
Licensed drivers who live with you need to be listed on your policy if they drive your vehicle regularly, as do others who borrow your
What is Not Covered By Homeowners Insurance?
Generally, homeowners insurance covers your home’s physical structures and its contents from covered events, which include things such as fire, theft, and certain natural disasters.
Can I Bundle Home And Auto?
The short answer is “yes.” Bundling is one of the best ways to save money on your insurance. Our team at Insured for Life can
What is the Health Insurance Marketplace?
The Health Insurance Marketplace, which you can access at HealthCare.gov, is run by the federal government. It allows insurance seekers to learn about different health
What Does Short-Term Health Insurance Cover?
Short-term health plans provide low-cost, basic coverage for typically one month to 12 months. Those in good health will find basic emergency and doctor visits
Do You Need A Short-Term Health Plan?
Short-term health plans can provide a period of low-cost coverage for people in a time of transition. This affordable coverage option may be just what
Does Medicare Cover Long-Term Care?
Medicare does not cover care for the activities of daily living, which is a central component of long-term care. However, Medicare will cover certain care
Do I Qualify For A Special Enrollment Period?
You may qualify for a Special Enrollment Period if you have recently changed location or lost coverage if new coverage has become available, or for
What is the Medicare Advantage Open Enrollment Period?
The Medicare Advantage Open Enrollment Period (January 1 to March 31) lets people who already have Medicare Advantage plans change their coverage. Who Can Use
What is the Medicare General Enrollment Period?
Medicare General Enrollment, which runs from January 1 to March 31 each year, provides people the opportunity to sign up for Medicare Part A and
Is Homeowners Insurance Required?
Homeowners insurance is not legally required, but it offers protection that makes it a valuable investment for your home. What Does the Law Say? Homeowners
Who Can Help Me Enroll in Medicare?
When you need help enrolling in Medicare, you can turn to Social Security, Medicare, a trusted insurance agent, or your loved ones. Your Local Social
Why Do I Need Auto Insurance?
Driving comes with risk, and accidents are expensive, not to mention lawsuits that may come out of them. To protect your assets and comply with
When Is The Best Time To Enroll In Medicare?
If you’re now eligible, sign up as soon as you are able. You can also make use of enrollment periods when you experience a qualifying
Why Should Seniors Consider Medicare?
There are several reasons to enroll in Medicare. Here are a few. Because You’re Eligible Americans age 65 and older are eligible for Medicare coverage.
How Much Car Insurance Do I Need?
Depending on your state’s requirements, you will need a combination of liability coverage and uninsured motorist, collision and comprehensive, personal injury protection, and medical payments
What Does Comprehensive Car Insurance Cover?
Comprehensive car insurance covers damage caused by events other than collisions. That includes contact with animals, natural disasters, fire, vandalism, theft, fallen objects, and broken
Is It Worth Having an Umbrella Policy?
Do you feel confident that your home, bank accounts, and the financial future of your family are protected in the event of a major accident
Renters Insurance vs. Landlord Insurance
Landlord insurance is what covers the dwelling. Renters insurance covers your personal belongings. There is a distinct difference between who purchases which type of coverage.
What Do ACA Plans Cover?
Plans under the Affordable Care Act (ACA) must cover 10 essential categories of health services. Doctor’s services; emergency services; hospitalization; pregnancy, maternity and newborn care;
How Much Life Insurance Do You Need?
The amount of life insurance coverage you need is largely dependent on your income, your debts, and the money your loved ones will need to
What is the Benefit of Having Life Insurance?
Why get life insurance? On top of the coverage, you also gain peace of mind and a potential savings vehicle for your retirement. Read on
What Exactly Does Homeowners Insurance Cover?
Homeowners insurance is a must-have for property owners. Read on to learn more about what homeowners insurance covers. Damage to Your Home The primary benefit
What are the 2022 Costs for Medicare Part C and D?
Medicare Part C and Part D correspond with Medicare Advantage plans and Medicare prescription drug programs. While these plans will have variable pricing, we can
What are the 2022 Costs for Original Medicare?
Medicare prices are, in most cases, rising in 2022. Here’s what to expect: Medicare Part A Premiums While many Medicare beneficiaries do not have to
How Long Do You Have to Sign Up for Medicare After Retiring?
As you approach retirement, you may wonder how long you have to sign up for Medicare. Medicare is the federal health insurance program designed to
