The $300 Insurance Decision That Could Have Cost $1.2 Million
We Didn’t Save Him $300. We Protected $1.2 Million Sometimes the value of good insurance advice isn’t obvious when you buy the policy. Sometimes you don’t appreciate it until something goes terribly wrong. And sometimes, even after your insurance advisor’s recommendation saves you more than a million dollars, you still decide to leave them the following year […]
Can You Get Life Insurance with a Pre-Existing Condition?
Can You Get Life Insurance with a Pre-Existing Condition? Read Time: 3 Minutes If you have a health condition, take prescription medications, or have received a medical diagnosis in the past, you may wonder: Can you get life insurance with a pre-existing condition? The good news is that having a pre-existing condition does not automatically […]
Building Wealth Is Only Half the Equation | Frost Insurance
Building Wealth Is Only Half the Equation: Protecting What You’ve Built Building wealth is a tremendous accomplishment. Owning a successful business. Buying real estate. Building investment accounts. Creating a strong retirement portfolio. Growing a family farm. Accumulating assets over decades. But there is another side of wealth that often receives far less attention: Keeping it. […]
Concrete Contractor Insurance in Northwest Ohio
Concrete Contractor Insurance in Northwest Ohio If you own a concrete contracting business, you know that every job comes with risk. Your crews are working around heavy equipment, trucks, tools, employees, subcontractors and customers. One accident can turn a profitable project into a major financial problem. That is why choosing the right concrete contractor insurance […]
Roofing Contractor Insurance in Northwest Ohio
Roofing Contractor Insurance in Northwest Ohio: Protecting Your Business From the Risks Above Your Head Roofing is one of the most physically demanding and potentially hazardous construction trades. Roofing contractors deal with heights, ladders, heavy materials, power equipment, vehicles, employees, subcontractors, property damage, and the potential for serious injuries or lawsuits. For roofing contractors in […]
Pharmacy Insurance: Is Compounding Covered?
Pharmacy Insurance: Is Your Compounding Operation Actually Covered? If you own a privately operated pharmacy, you probably assume that your pharmacy insurance policy covers the work your pharmacy performs every day. That assumption could be dangerous. Many insurance companies will write insurance for a pharmacy. The problem is that some pharmacy insurance policies contain exclusions […]
Why Do Insurers Care About Trees, Brush and Weeds?
Why Does My Insurance Company Care If Limbs, Brush and Weeds Are Touching My House? If you have ever had a homeowners insurance inspection, you may have received a letter asking you to trim tree limbs, remove brush, or cut back weeds growing against your house. And your first thought might be: “Seriously? My insurance […]
Indexed Universal Life: When Policies Go Wrong
Indexed Universal Life: When Policies Go Wrong There is a story we see far too often in the life insurance business. Someone purchased an indexed universal life or variable universal life policy years ago. They were shown an illustration that looked impressive. The policy appeared capable of building substantial cash value while providing a permanent […]
Life Insurance for College Students: Why It Makes Sense
Why Life Insurance on Your College Student Makes Sense When your child heads off to college, life insurance probably isn’t at the top of your list. Tuition, housing, textbooks, meals, and student loans seem like much more immediate concerns. However, purchasing a life insurance policy while your child is young and healthy can be one […]
Protect Your 401(k) Near Retirement: Safer Options
Protect Your 401(k) Near Retirement: Safer Options If you’re approaching retirement, you may be looking at your 401(k) differently than you did 10 or 20 years ago. When retirement was years away, market fluctuations were often easier to tolerate. You had time to recover from a market downturn and continue contributing to your account. But […]