LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL

Individual and Group Options

Why Employers Should Offer A Benefit Package to Their Employees

As a business owner your main priority is the success of your business anything else would put into question why you were doing this anyway.  To make a business thrive it takes a few elements: premium goods or services, marketing, a solid business plan and quality employees. If one of those are missing or weak in anyway the business will struggle to meet the goal.

Understanding Health Savings Accounts: Why More Americans Are Turning to HSAs

As the cost of healthcare in the United States continues to rise, many individuals and families are looking for smarter, tax-efficient ways to manage medical expenses. One option gaining widespread traction is the Health Savings Account, better known as an HSA.

How Supplemental Insurance Helps

What is supplemental insurance?  To understand how it works this is the first piece to that puzzle.  Supplemental insurance is NOT insurance; that means it does not qualify as major medical insurance recognized by the US Government.  What it does is supplements what your insurance doesn't cover with a payment directly to you with whatever type situation you are covered for.

New YouTube Channel Set to Launch May 1

Insurance Broker and owner of Emma Lynn Dowd Insurance Agency, Emma Dowd announced that starting on May 1, 2025 the agency will produce videos and publish them on the agencies new YouTube channel.

Text Fraud Can Cost You Everything

One of the easiest forms of identity theft come from emails and texts that look so authentic that we panic and reply; which is exactly what the sender wanted you to do.  However, once you entered your information, the damage is done.  The trick is not to fall for these scams. What you see here is an example of what these text messages look like.  This is a screenshot from a text I received on my phone.  Lets dissect this text to see what makes it so dangerous.

Your Insurance Policy Can Be Stolen Through Identity Theft

Let’s discuss what Insurance Identity Theft is. Insurance identity theft occurs when an identity thief uses your stolen personal information to obtain a new insurance policy or use of your current policy. Once they have gained access to insurance in your name, they can receive medical services under your name, making you the unlucky recipient of any future bills that they incur. They can also cash out your life insurance policy getting all the premiums paid into it closing the policy.