Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs
Posted: October 7, 2026
Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy. What Is a Life Insurance Rider? A rider is an optional provision added to a life insurance policy, usually...
Cybersecurity Awareness Month: Does Your Business Need Cyber Liability Insurance?
Posted: October 4, 2026
Every October, the Cybersecurity and Infrastructure Security Agency (CISA) leads Cybersecurity Awareness Month, a nationwide effort to help individuals and organizations better protect themselves online. For small and mid-sized businesses, it's also a timely reminder to think about how a cyberattack or data breach could affect operations, and whether cyber liability insurance has a role to play in your risk management plan. Why Cyber Risk...
Fire Prevention Week: Home Safety Steps and What Your Homeowners Insurance Covers
Posted: October 2, 2026
Every October, the National Fire Protection Association observes Fire Prevention Week, which falls on October 4-10 in 2026. The observance began over a century ago to mark the anniversary of the Great Chicago Fire, and it remains a helpful reminder to check the basics of home fire safety before colder weather sends more people back to their stoves, fireplaces, and space heaters. Common Causes of...
Smart Homes: What Connected Devices Mean for Your Insurance
Posted: September 24, 2026
From thermostats that learn your habits to sensors that detect water leaks, connected technology is changing the way we live—and the way insurance companies think about risk. For homeowners, these devices do more than make life easier. They can help prevent costly damage, alert you before problems escalate, and even lower your insurance premiums. Many insurers are now rewarding homeowners who adopt smart technology with...
Do You Need Life Insurance If You Don't Have Kids? Here's What to Consider
Posted: September 22, 2026
A Common Misconception About Life Insurance Many people assume life insurance is only necessary once you have children or a spouse who depends on your income. While protecting a growing family is one common reason people purchase coverage, it isn't the only one, and plenty of people without children still have good reasons to consider a policy. Understanding these reasons can help you make a...
