FAQ Video Library

Sometimes it's easier to hear answers given by a real person than it is to go scouring the internet looking through tiny print and hyperlinks. Here are our most frequently asked questions about insurance terms and products, answered for you by some of our very own. We hope to give you quick and easy access to the questions on your mind. If you don't see what you're looking for here, please let us know and we'll do our best to stay updated with new requests!

 

*Please note that the information in these videos is for general educational purposes and is not intended to describe the terms and conditions of a specific policy.  For the terms of your coverage, please consult your policy, or contact us for more information.

 

Disability Insurance

Kathleen Sellers, JD, CLU, Vice President, Sales

  • How much Disability Insurance Do I Need?

  • Is There a Limit to How Much Disability Insurance I can have?

  • What is Own-Occupation Disability Insurance?

  • Is There Coverage for a Partial Disability?

  • Is my employer-provided Disability Insurance enough?

 

Life Insurance

Kathleen Sellers, JD, CLU, Vice President, Sales

  • How do I apply for Life Insurance?

  • What do I need to know when naming a beneficiary?

  • Is Employer-Provided Life Insurance Enough?

  • How Much Life Insurance Do I Need?

  • What is the difference between Term Life Insurance v.s. Whole Life Insurance?

 

Long Term Care Insurance

Charles J. Sellers, III, CLU, ChFC, RHU, LUTCF, GBDS, President

  • Is Long Term Care the same as Nursing Home Insurance?

  • Is Long Term Care Insurance Expensive?

  • What is the Best Time or Age to Apply for Long Term Care Insurance?

  • How Does Inflation Affect My Long Term Care Insurance Premium And Benefits?

 

Business Insurance

Amy Burnett, MS, PT, Vice President, Operations

  • What Is A Workers' Comp Audit And Do I Need To Do It?

  • Do I Need To Cover Myself For Workers' Comp And DBL?

  • When Can An Employee Take Paid Family Leave?

  • What Insurance Does My New Business Need?

 

Personal Lines Insurance

Melanie Switalski, Personal and Commercial Lines Account Executive 

  • Why are Home and Auto Premiums Increasing?

  • Am I Covered for a Total Loss on my Homeowners Policy?

  • What is the Importance of Utility Line Coverage?

  • Do I Need Flood Insurance?

  • How Do I Get a Home and Auto Proposal?

  • Do I Need Umbrella Coverage?

 

Employment Practices Liability Insurance

Thomas G. Sellers, JD, CLU, ChFC, CPCU, RHU, REBC, Vice President, Treasurer/Claims Manager  

  • Why Do I Need EPLI?

  • How do I apply for EPLI?

  • What Options are Available with EPLI?

  • How does EPLI help with Defense Costs?

  • What are the Benefits of Risk Management Services?

 

Cyber Insurance

Kathleen Sellers, JD, CLU, Vice President, Sales

  • Do I Need Cyber Insurance?

  • What Does Cyber Insurance Cover?

  • What Kinds of Cyber Losses Do We See?

  • How Do I Get Cyber Insurance?

 

Disability Overhead Expense Insurance

Kathleen Sellers, JD, CLU, Vice President, Sales

  • What Does Disability Overhead Cover?

  • How to Apply for Disability Overhead?

  • Are Overhead Premiums Tax Deductible?

  • How does Disability Overhead differ from Personal Disability?

  • Who Needs Disability Overhead Insurance?

  • Why Consider Disability Overhead Insurance?

  • What Is Disability Overhead Insurance?

  •