While a lot of time and energy gets spent planning for what happens after we pass away (life insurance, funeral planning, funeral insurance, and wills), we often do not spend nearly enough time planning for what happens if we are alive, but incapacitated. There are so many questions that need to be answered, and they …
What is the Importance of “Incapacity Planning?” Read More »
We talk a lot about the benefits of long term care insurance here at Kaia Insurance Group. It is one form of insurance that almost everyone needs, but very, very few people have. Long term care insurance provides cash to cover costs associated with long term care. For example, if you have an at-home nurse, …
Life insurance is one of the most important tools we have to protect our family and our assets in the event of our passing. We all hope to live forever. But, at any moment, no matter how young or healthy we are, we may find that tragedy strikes and you need to make sure your …
Why Would I Want Limited Pay Whole Life Insurance in Texas? Read More »
Most people do not alter their life insurance policies after they’ve obtained it. While many polices can be altered – for example, requesting more or less depending on your needs, or converting a term life insurance policy into a whole life insurance policy – the vast majority of those that obtain life insurance typically keep …
Life Insurance Considerations – How Much Should I Request? Read More »
At Kaia Insurance Group, we’re thrilled to be able to offer something called “Instant Life Insurance.” Instant life insurance is life insurance that can be obtained without a lengthy approval process. You do not need medical exams. You do not need blood tests. You simply apply, fill out your information, get a quote, and obtain …
For those familiar with life insurance, we typically talk about life insurance like it is a single, simple transaction – you pay a premium, and the insurance company pays you your benefits if you pass away. However, life insurance policies are more complex than that, which is one of the reasons it helps to consult …
5 Policy Options for Life Insurance You May Not Know About Read More »
If you’re outside of the insurance world, you may not realize how much of the insurance marketplace has changed. Because we’re able to work remotely, insurance takes place almost entirely on Zoom these days, and paperwork is can be signed online or sent to you. Some types of insurance no longer require medical exams as …
Insurance Across Texas with Kaia Insurance Group Read More »
We have health insurance to feel like we’re protected from significant medical costs. When we’re healthy, health insurance typically plays its role. If we get hurt, we go to the doctor, and we get treated with only a little bit out of pocket. If we get into a more significant accident, typically health insurance will …
Doesn’t Health Insurance Pay for Long-Term Care? Read More »
Here in Houston, the cost of long term care continues to skyrocket. The cost of long term care is now as much or more than the Houston median family income. The average person simply does not have the retirement or financial means to get the care that they deserve. In order to help offset these …
What Age Should You Start to Worry About Having Long Term Care Insurance? Read More »
There are many different forms of life insurance, each with their own benefits and weaknesses. Many people flock to term life insurance because it has the lowest premiums for the highest total amount, but term life is only one of many types of life insurance, and there are many options that are better for the …
Why Are Whole Life Insurance Premiums More Expensive Than Term? Read More »
