Term life insurance and how does it work
Sep 9

What Is 30-year Term Life Insurance and How Does It Work?

Posted by Randy Jones Insurance Services

The 30-year term life insurance is an insurance policy that provides its users with life insurance coverage for 30 years. However, it requires you to pay your premiums periodically to make good use of its benefits. This insurance coverage spans 30 years. For this reason, most insurance companies do not issue the policy…

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Enorll For Medicare If You Are 65 And Still Working
Aug 26

Should You Enroll for Medicare If You Are 65 and Still Working?

Posted by Randy Jones Insurance Services

It seems wise for a 65 or older employee who is covered under group health insurance to sign up for Medicare, as it can help minimize out-of-pocket costs. However, Medicare is complicated, and there are many caveats and some surprise expenses that need to be avoided. Let’s understand the different scenarios when a…

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How Dose Heath Care Typically Work In The U.S.
Aug 12

How Does Health Insurance Typically Work in the U.S.?

Posted by Randy Jones Insurance Services

The necessity of taking out health insurance cannot be overemphasized as healthcare costs continue to skyrocket. Each doctor’s office visit can cost up to several hundred dollars in the U.S. Additionally, a few days of hospital admission can incur a cost of tens of thousands of dollars. Health insurance coverage helps cover your…

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How the American Rescue Plan Has Made ACA Health Insurance Cheaper
Jul 22

How the American Rescue Plan Has Made ACA Health Insurance Cheaper

Posted by Randy Jones Insurance Services

The American Rescue Plan (ARP) was recently signed into law and has helped reduce the cost of health coverage under the Affordable Care Act (ACA). This is the largest expansion of the ACA since it was signed in 2010. This plan expands subsidies significantly, increasing subsidies for those who qualified before and for…

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Life Insurance Myths And The Truth Behind Them
Jul 8

6 Common Life Insurance Myths and the Truth Behind Them

Posted by Randy Jones Insurance Services

There are several common myths about life insurance, which can cause lots of confusion. This article discusses 6 of these myths while providing accurate information regarding each one. 1.Life Insurance Is Costly A study conducted in 2017 by LIMRA found that most people assumed life insurance policies cost more than three times the…

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Life Insurance For Cancer Patients
Jun 17

What You Need to Know About Life Insurance for Cancer Patients

Posted by Randy Jones Insurance Services

Getting the right kind of life insurance policy best suited for you is hard enough without the complication of a cancer diagnosis. Qualifying for a traditional term or whole life insurance policy after a cancer diagnosis depends on if the patient is a cancer survivor in remission who has been out of treatment…

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Term Life Insurance Plans For Women
Jun 3

Why Term Life Insurance Plans are Important for Women

Posted by Randy Jones Insurance Services

A term life insurance policy is a type of life insurance that offers coverage for a specific period of time or number of years. If the policyholder dies while the policy is active, the insurer will pay out a death benefit. If the term expires and the policyholder dies after the expiry of…

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Life Insurance by Randy Jones Insurance
May 20

A Quick Guide to Life Insurance for Business Owners

Posted by Randy Jones Insurance Services

Life insurance for business owners is far more complex than for others. It provides financial support to those left behind after you’re gone and extends to cover people beyond your family. As a business owner, you’re probably a financial provider to others, and it is important that you not only consider your household’s…

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Life Insurance by Randy Jones Insurance
May 6

Will Being Vaccinated for COVID-19 Disqualify Me from Getting Life Insurance?

Posted by Randy Jones Insurance Services

As far as it is concerned, the COVID-19 vaccination has absolutely nothing to do with life insurance in any way. Still, a handful of people have managed to create a link between these two and have spread their own theories, resulting in confusion and fear amongst those who believe them. Unsupported Claims Social…

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Medicare Coverage by Randy Jones Insurance Services
Apr 22

When Is the Right Time to Switch from a Medicare Advantage Plan?

Posted by Randy Jones Insurance Services

While you may feel overwhelmed as you go through the process of switching to a Medicare Advantage plan, try to stay calm. You aren’t losing many benefits at all. The switch does not mean that you’ll lose out on Medigap forever. Read on to learn how you can effectively switch back to the…

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