Articles
Retirement Planning : How much money will you really need when you retire?
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For Some, HSAs Can Be Attractive Wealth Builders
Health savings accounts can be about wealth, as well as health.  Their tax advantages can make them attractive wealth builders.
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Laws to Ensure Health Coverage Come with Twists for Consumers
Cobra and HIPAA are important for healthcare consumers – but confusing.
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Estate Planning
If you don’t make estate-planning decisions when you are alive and well, the results for your heirs can be costly and stressful.
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The Price You Pay
Even minor health risks can drive up the cost of life insurance.
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Disability Insurance
Most people don't believe disability will strike – until it does. This insurance is meant to replace your income if an illness or injury keeps you from working.
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Retirement Benefits: What Small-Business Owners Think They Know and What Employees Really Want
A recent survey reveals the true importance of benefits to small-business employees.
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Tips
 

Should you pay a bill from your provider immediately?

Always wait for an Explanation of Benefits (EOB) from your insurance company before you pay anything.  This EOB lists the details and charges from your provider visit, and lets you know what portion of those charges is being paid by the insurance company.  Once your EOB arrives, compare it to your provider’s bill and carefully look at:

  • Dates of service
  • Descriptions of service
  • Amounts covered in full or in part by your insurance company
If the EOB accurately reflects your provider’s bill, the balance due should be the same on both documents.  If there are any discrepancies, call your provider. However, if your EOB does not seem to reflect the treatment you received or your policy benefits, call your insurance company right away. 
More Tips
Tools
  Time is Money
You can save for anything as long as you save. Learn what your saving can do.
  Life Insurance: How Much?
How much life insurance do you really need?
   
 
       
 
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The vast amount of insurance and investment information available to you today can be overwhelming. Because you are ultimately accountable for the choices you make, we'll help you make intelligent and informed ones. Your options will be clearer with our expert appraisals and sound recommendations.
"As a group health insurance wholesaler, I've known Helen for 20 years. I work with hundreds of brokers but when my husband and I decided to get life insurance, Helen was the one we called. Many people are in business just to do business, but Helen is in business to do the right thing for her clients. She is professional, knowledgeable, conscientious and committed. I know we are in great hands."

Helen Zajac
Warner Pacific Sales Representative, mother of four