Life Insurance For Empty Nesters

Life Insurance For Empty Nesters

January 27, 2021 16:01 newlambertagency

Many people buy life insurance so that their children have a financially secure future. It offers peace of mind that no matter what, your children won’t have to struggle in absence of your presence. But about when children leave their nest and parents become empty nesters? Does it still make sense to keep your life […]

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Why You Should Prioritize Saving for Retirement Care

Why You Should Prioritize Saving for Retirement Care

January 25, 2021 17:18 newlambertagency

As per a report from National Institute on Retirement Security, about two out of three 21- to 32-year-olds haven’t started retirement savings. Why is that so? For one thing, the approach and attitude towards retirement have completely changed. The young working generation doesn’t believe in waiting for decades to live the “good life” or put […]

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How Do Life Insurance Death Benefits Pay Out?

How Do Life Insurance Death Benefits Pay Out?

January 22, 2021 12:22 newlambertagency

When someone close to you dies, a lot of things go through your mind. Apart from the grief caused to you, you need to make several arrangements. At such a time, the life insurance death benefit is the last thing on your mind. Many find themselves unsure of how to proceed further to get the […]

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Medicare Part C – Medicare Advantage Plan

Medicare Part C – Medicare Advantage Plan

January 13, 2021 13:08 newlambertagency

Medicare part C is part of the 4 basic Medicare. Also known as Medicare Advantage Plan (like an HMO or PPO), Part C is an alternative way to get your Original Medicare coverage. While Medicare Part C covers the same benefits as Medicare Part A including Inpatient care in a hospital, it also includes home […]

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Obamacare – Pro, Cons, Benefits, and Penalties

Obamacare – Pro, Cons, Benefits, and Penalties

January 5, 2021 17:41 newlambertagency

You must be familiar with Obamacare by now. But have you wondered how it works or is it beneficial? If you have, then this blog post is for you. Let’s just dive into it. What is Obamacare? Obamacare is an alternative term for the Patient Protection and Affordable Care Act (ACA) of 2010. As the […]

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Using Key Person Life Insurance to Secure Your Business

Using Key Person Life Insurance to Secure Your Business

December 21, 2020 12:23 newlambertagency

You must be aware that a life insurance policy can provide the necessary financial protection to your dependents in the event of your death. But do you know that a term life insurance policy can also help to keep the company running smoothly in the event of the death of a key member of your […]

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A Guide to Life Insurance for Non-US Citizens

A Guide to Life Insurance for Non-US Citizens

December 9, 2020 02:29 newlambertagency

Life insurance is an integral part of life. There are various plans available that meet the unique requirement of individual US citizens. But what about life insurance for the non-US citizen? Not everyone who lives in the states is a US citizen, so what options do they have as far as life insurance is concerned? […]

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Life Insurance Buyer’s Guide

Life Insurance Buyer’s Guide

December 3, 2020 17:48 newlambertagency

Life insurance is an essential part of life that isn’t discussed enough. Of course, no one wants to talk about the different plans and coverage in their day-to-day conversations; but it’s important to have a general idea about it so you can safeguard your family from any financial trouble that may arise in the future. […]

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Critical Illness Insurance: What Is It and Who Needs It?

Critical Illness Insurance: What Is It and Who Needs It?

November 28, 2020 11:28 newlambertagency

If you have never experienced any critical illness, you’re one of the lucky ones. Their treatments are quite expensive and pose a burden on every common man’s finances. But you need to be prepared for everything that life throws at you. In the event of a big health emergency such as cancer, heart attack, etc. […]

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All About COBRA Health Insurance

All About COBRA Health Insurance

November 25, 2020 17:50 newlambertagency

COBRA health insurance or Consolidated Omnibus Budget Reconciliation Act (COBRA) is an insurance program that gives workers and their families who lose their health benefits the right to choose to continue the health benefits. Created in 1985, COBRA allows individuals who experience a job loss or other qualifying event the option to continue their current […]

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HSA vs. FSA: Differences and How To Choose

HSA vs. FSA: Differences and How To Choose

November 21, 2020 11:50 newlambertagency

There’s no denying that healthcare can be costly. Even if you have insurance through your employer, you might consider taking advantage of one of the federal government programs that encourage saving for medical expenses not covered by insurance. The most common type of accounts offered to employees is the Health Savings Account (HSA) and the […]

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Buying Private Health Insurance

Buying Private Health Insurance

November 18, 2020 09:13 newlambertagency

If your workplace or employer doesn’t offer you health insurance, then the obvious choice is to buy private health insurance. If you’re planning to insure yourself, you need to keep in mind that you’ll have to pay the full cost of the premiums. Thus it is natural to be concerned about how the cost of […]

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Medicare Part A and Part B – What’s the Difference?

Medicare Part A and Part B – What’s the Difference?

November 11, 2020 16:21 newlambertagency

If you’ve been covered by employer-sponsored health insurance most of your life, you probably never had a reason to distinguish between the different parts of your coverage. When you qualify for Medicare, you’re first enrolled in Medicare part A and Part B. Their enrollment and eligibility are generally the same but have differences in costs […]

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Common Insurance Terms And What They Mean

Common Insurance Terms And What They Mean

November 5, 2020 12:38 newlambertagency

Just like every other industry, health insurance has a unique language. If you’re not familiar with them, you face the risk of choosing bad insurance plans for you and your family. But not to worry, we have curated this insurance glossary for you to make things easier. Below are some important insurance terms you should […]

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Traditional Indemnity Health Insurance Plans

Traditional Indemnity Health Insurance Plans

October 30, 2020 03:50 newlambertagency

Health insurance has come a long way over the past few decades, witnessing drastic changes. But with the right type of plan, you can still control your healthcare choices in the best possible way. Also referred to as fee-for-service plans, a Traditional Indemnity plan is a healthcare plan that allows you to choose the doctor, […]

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Pros and Cons of Health Share Plans

Pros and Cons of Health Share Plans

October 21, 2020 10:43 newlambertagency

With health insurance premiums continuing to rise every year, more and more consumers are questioning whether it’s even worthwhile to have health insurance at all. This is why the subject of healthcare sharing programs as a viable alternative has become very common. However, there’s still some uncertainty and confusion among people about those plans – […]

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Re-Evaluating Your Life Insurance Needs

Re-Evaluating Your Life Insurance Needs

October 14, 2020 04:13 newlambertagency

If you have taken a life insurance policy, likely, you don’t think about it often. After a while, it seems like a car that drives itself. Life insurance gives you the security and peace of mind of knowing that your family would be financially safe in the event of your death. But it’s crucial to […]

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What To Do When Term Life Insurance Expires?

What To Do When Term Life Insurance Expires?

October 9, 2020 07:22 newlambertagency

When you buy a term life insurance policy, you purchase it for a set term. You pay the premium and your family gets the complete benefit in the event of your death. But what happens when the policy expires? Even if your term life policy is ending, you may still need some sort of insurance […]

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Is Funeral and Burial Insurance Worth It?

Is Funeral and Burial Insurance Worth It?

September 28, 2020 04:14 newlambertagency

Let’s be honest. No one likes to think about their death or death-related situations. People already have enough on their plate to think about the financial aspects of their funeral. Death is an uncomfortable subject. But once you have planned your future and made the necessary arrangements to execute those plans, you’ll have one less […]

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Understanding Level Term Life Insurance

Understanding Level Term Life Insurance

September 23, 2020 04:00 newlambertagency

Term life insurance is the simplest form of life insurance. It is affordable and straightforward. You pay regular premiums, and if you die over the course of the term a death benefit is paid out to your loved ones. If you outlive the term, the policy expires and you stop paying. There are different versions […]

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ACA Health Insurance Plans vs. Healthcare Sharing Ministries

ACA Health Insurance Plans vs. Healthcare Sharing Ministries

September 16, 2020 12:17 newlambertagency

The individuals who had previously been uninsurable due to poor health or pre-existing conditions received a gift in the name of the Patient Protection and Affordable Care Act in 2010. It brought with it a new era of healthcare for many Americans. The law proposed a new structure of subsidies intended to help make healthcare […]

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What is Short Term Health Insurance?

What is Short Term Health Insurance?

September 9, 2020 13:40 newlambertagency

A short term health insurance plan is known to offer major medical type benefits in the case of unexpected accidents and illnesses. They’re also called as short-term medical insurance, temporary health insurance, short-term care insurance, short-term health plans, or STM health plans. The plan lasts up to 3 years and both individuals and families can […]

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Do I Need Life Insurance If I Have a Pension

Do I Need Life Insurance If I Have a Pension

August 24, 2020 11:38 newlambertagency

People often go for life insurance when they’re in their early 30s. It seems to be the ideal time as they have their whole life ahead of them and naturally, anyone would want to feel secure. But what about the people on the other spectrum? People who have retired, their children are grown and are […]

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Annuities: Insurance for Retirement

Annuities: Insurance for Retirement

August 19, 2020 12:36 newlambertagency

Do you have a retirement plan? If not, then maybe you should start planning. And if you’ve wondered about annuities, then you should continue reading and put an end to your queries. You’ve probably heard about annuities before—but have you ever considered adding them to your retirement strategy? They remain often ignored and frequently neglected […]

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What Types Of Insurance Do Small Businesses Need?

What Types Of Insurance Do Small Businesses Need?

August 13, 2020 11:40 newlambertagency

If you own a small business, there’s no denying that the most important thing you need to protect your assets and finances is an insurance policy. But even small businesses differ in various aspects – some usually function with 10 or fewer employees, while some focus on smaller operations with just 3-5 staff. Naturally, various […]

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Medicare Advantage Plans in 2020 Can Offer More Benefits

Medicare Advantage Plans in 2020 Can Offer More Benefits

August 12, 2020 12:11 newlambertagency

People love extra benefits, there’s no way around it. If you go grocery shopping your eyes are eager to fall upon the perfect offers that give you benefits worth more than the cost. And when it comes to a healthcare plan, the case is no different. We are inherently attracted to any plan that offers […]

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Is Whole Life Insurance Worth It?

Is Whole Life Insurance Worth It?

August 10, 2020 13:40 newlambertagency

In your otherwise busy lifestyle, there comes a time when you wonder about taking an insurance policy- it could be to safeguard your family or just to have a secure retirement plan. But when you sit down to Google about a policy that’ll offer the protection you desire, you’re immediately bombarded with terms you may […]

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Why Life Insurance Is (Even) More Essential During a Recession

Why Life Insurance Is (Even) More Essential During a Recession

July 23, 2020 11:32 newlambertagency

People often think that they should wait for the right time to purchase term life insurance or any other type of insurance. But what if the time is never right for you! We always set a benchmark for our life – a stable job, marriage, or a promotion. But life waits for no one. There […]

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Steps to Buying Whole Life Insurance

Steps to Buying Whole Life Insurance

July 21, 2020 11:37 newlambertagency

We as humans love to plan everything. We love the comfort of a pre-planned schedule and we derive comfort from the idea of an ideal future. But even as we’re busy making plans for our lives there always comes a time when we think about life insurance – whether it’s the right time? Which type […]

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Tips to Approach Retirement Savings Plan for Women Entrepreneurs

Tips to Approach Retirement Savings Plan for Women Entrepreneurs

July 13, 2020 10:07 newlambertagency

No matter what stage of self-employment you may be in, thinking about how to make your investments last in retirement should be a top priority. Saving for retirement can be challenging for anyone, but especially for business owners who invest much of their own savings and earnings into their companies. And if you’re a women […]

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Tips to Help You Boost Your Retirement Savings – Whatever Your Age Is

Tips to Help You Boost Your Retirement Savings – Whatever Your Age Is

July 9, 2020 12:49 newlambertagency

It doesn’t matter if you have just begun your work life or are on the verge of bidding goodbye to your beloved job, or are planning for retirement; it is never too late for some savings. But it goes without saying that for significant savings, you need to start your investment at a much earlier […]

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Why Should You Choose a High Deductible Health Plan?

Why Should You Choose a High Deductible Health Plan?

July 3, 2020 10:18 newlambertagency

For a growing number of Americans, it has become crucial to choose a deductible health plan. The trend started a decade ago and shows no signs of disappearing. At many firms, it’s the sole health insurance that’s offered for employees. However, there are still a considerable amount of people who find themselves without employer-offered insurance […]

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At the time of COVID-19, Have You Checked your Individual & Family Health Insurance Plan and Benefits lately?

At the time of COVID-19, Have You Checked your Individual & Family Health Insurance Plan and Benefits lately?

June 30, 2020 04:56 newlambertagency

The pandemic has brought the world to a standstill. There’s chaos everywhere and with chaos came the widespread panic. This is the new normal as we all say today. On the surface of it, it may seem like things are slowly easing into normalcy but the reality on the ground is very different. At such […]

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Does Life Insurance Cover Deaths From Coronavirus?

Does Life Insurance Cover Deaths From Coronavirus?

June 26, 2020 12:10 newlambertagency

The world is facing a crisis. And naturally, several rules have been changed. Our priorities are rearranged and our focus has been shifted to all things ‘essential’. It is reasonable to assume that a global health crisis like the coronavirus would have some impact on your life insurance coverage policy acceptance and premiums. As the […]

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Term Life or Whole Life Insurance: Which Is Right For You

Term Life or Whole Life Insurance: Which Is Right For You

June 23, 2020 12:14 newlambertagency

Life insurance can be very confusing. With all complex terms used by insurance providers, it can be very daunting for an average person to choose the best type of life insurance. Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your […]

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How To Choose a Good Retirement Solutions Plan

How To Choose a Good Retirement Solutions Plan

June 16, 2020 09:10 newlambertagency

Retirement planning is something that everyone must take seriously. Planning for an easy old age and a financially secured retirement is what we all look forward too. It is consistently savvy to begin arranging your retirement subsidize at the soonest. Here are a couple of vital things to remember while picking an insurance-based retirement plan: […]

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