by Mike Keretz | Dec 15, 2025 | Uncategorized
So, you’ve hit 62 and you're ready to trade in your work deadlines for a well-deserved life of freedom. It’s an exciting milestone, but there’s one big hurdle to clear first: that three-year gap in health insurance before Medicare starts at 65. Figuring out how to...
by Mike Keretz | Dec 14, 2025 | Uncategorized
This whole "do I legally have to get health insurance?" question used to have a simple answer. Now? It's a bit more complicated. While there’s no longer a federal rule forcing you to have coverage, the real answer depends entirely on where you live. A...
by Mike Keretz | Dec 13, 2025 | Uncategorized
Ever tried to make sense of your health insurance paperwork? All that talk about premiums, deductibles, and HMOs can feel like learning a new language. You’re definitely not alone. Simply put, employer-sponsored health insurance is a health plan you get through your...
by Mike Keretz | Dec 12, 2025 | Uncategorized
Trying to make sense of your health insurance policy can feel like you're trying to learn a whole new language. Two words you’ll see everywhere are deductibles and copays, and they’re often the most confusing parts of the puzzle. Getting a handle on how these work...
by Mike Keretz | Dec 11, 2025 | Uncategorized
So, your term life insurance policy is about to end. What now? It can feel a little like a lease on an apartment running out. You've been paying for a specific period of time, and now that period is over. While it might seem like a dead end, it’s actually a...
by Mike Keretz | Dec 10, 2025 | Uncategorized
Thriving as an insurance agent in 2025 requires more than just industry knowledge; it demands a sophisticated, multi-channel marketing approach. With increased competition and digitally-savvy consumers, generic tactics no longer cut it. Success is now deeply tied to...
by Mike Keretz | Dec 9, 2025 | Uncategorized
A waiver of premium rider is a powerful add-on for your life insurance policy. Think of it as a financial safety net—it steps in to pay your premiums if you become totally disabled and can’t work. Essentially, it’s insurance for your insurance. It ensures your life...
by Mike Keretz | Dec 8, 2025 | Uncategorized
When you're a 1099 contractor, you’re not just the talent—you’re the entire HR department. Finding the right health insurance is suddenly one of your biggest responsibilities, and it can feel like a maze. The best routes to good coverage usually lead to the ACA...
by Mike Keretz | Dec 7, 2025 | Uncategorized
When you're sorting through the alphabet soup of health insurance—HMO, PPO, EPO—it's easy to get lost. Then comes POS. So, what exactly does that mean? In health insurance, POS stands for Point of Service. It’s a type of plan designed to give you a bit of the...
by Mike Keretz | Dec 6, 2025 | Uncategorized
When it comes to Medicare, the biggest fork in the road is often the choice between Advantage and Medigap. It really boils down to one question: do you prefer an all-in-one plan with lower monthly costs but potential out-of-pocket expenses, or would you rather pay a...
