Ryan Kennelly
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What is Guaranteed Issue Whole Life Insurance
Guaranteed!!!! A Guaranteed issue whole life insurance, is a type of whole life policy that is issued to the insured regardless of their medical history, chronic illnesses, and prescription drugs. ...
What is Whole Life Insurance?
Whole Life Insurance It is a permanent insurance policy, which means the insured is covered for the duration of their live as long as the policy is in effect. The policy will stay in effect as long...
Life Insurance Acronyms and Definitions
In this article I have aggregated all the common acronyms used in life insurance policies and applications. As licensed agents we go through multiple phases of initial training, then continuing edu...
What is Term Life Insurance?
What is Term? Term Life Insurance gives you coverage for a fixed number of years, for example 10, 15, 20, or 30 years varies based on the plan and the insurance carriers you choose. Typically Term ...
What is the Medicare Advantage Open Enrollment Period (MA OEP) - and why would I use the MA-OEP?
The Medicare Advantage Open Enrollment Period (MA-OEP) is another enrollment period allowing people currently enrolled in a Medicare Advantage plan (MAPD or MA) an opportunity to change Medicare Ad...
When can I sign up for health insurance through California health insurance marketplace?
Open enrollment is October 15th to January 31. Individuals with qualifying life events can enroll at any time of the year. Medi-Cal enrollment is also year round. Medi-Cal and Covered California us...
My birthday is on 1st day of the month, when is my Medicare effective date?
The surprising Medicare benefit to having a birthday on the first day of the month... You can start Medicare coverage a month earlier! Here's how. Medicare has an Initial Enrollment Period for thos...
Does VSP pay for designer frames?
VSP’s frame allowance applies toward the cost of any frames available at in-network providers, but you will have to pay the difference between the retail price and the benefit for more expensive fr...
Where to find your summary of benefits and coverage
If you’re shopping for a health plan through a web broker like ihealthagents.com or HealthCare.gov, the site will provide you with access to documentation for each potential plan before you make yo...
Is Coronavirus Testing Covered by HSA plans?
Since the United States’ first case of COVID-19 on January 20, 2020, there has been speculation as to whether testing and the cost of treatment for COVID-19 would be covered by health insurance. Sp...