Dan De La Torre
How to Choose the Right Health Insurance Plan
Health insurance plays a crucial role in a family’s financial stability. Without it, a single accident could lead to financial disaster....
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Dan De La Torre
Oct 45 min read
The Optimal Retirement Date for Federal Employees Before 2030
Key Financial Factors to Consider when Federal Employees select the ideal retirement date. Retirement planning is a critical phase in a...
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Dan De La Torre
Sep 52 min read
Things To Know About Hospital Indemnity Insurance
Hospital stays affect not only your physical health but also your finances. The average cost for a three-day hospital stay is...
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Dan De La Torre
Aug 75 min read
Accident Insurance vs Accidental Death Insurance: Understanding the Key Differences and Value
In today's unpredictable world, it's crucial to protect our health and well-being with appropriate insurance coverage. When it comes to...
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Dan De La Torre
Jul 175 min read
7 Things You Should Know Before Purchasing Life Insurance
1. Assess Your Insurance Needs Thoroughly evaluate your current and future insurance needs. An Insurance Agent can provide valuable...
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Dan De La Torre
Jul 38 min read
Insurance Glossary
A Accident Insurance: Type of insurance coverage that provides a cash benefit to individuals in an accident. Accidental Death Benefits: A...
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Dan De La Torre
Jun 123 min read
Do Federal Employees Get Disability Insurance?
Federal employees have access to disability retirement benefits through the Federal Employees Retirement System (FERS), but this coverage...
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Dan De La Torre
May 294 min read
Is Pet Insurance Worth It?
In a world where our furry companions are more than just pets – they're family – the question of pet insurance's worthiness becomes...
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Dan De La Torre
May 154 min read
Differences Between Long-Term Disability and Long-Term Care Insurance
Many people often mix up Long-Term Disability Insurance (LTD) and Long-Term Care Insurance (LTC), possibly because they're both activated...
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Dan De La Torre
Apr 232 min read
What is Federal Liability Insurance?
Federal Liability Insurance is a crucial safeguard for those serving in federal positions. Navigating the professional landscape as a...
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Dan De La Torre
Apr 106 min read
How Does Supplemental Disability Insurance Work?
Before discussing Supplemental Disability Insurance, I think it is best to first define in general terms what supplemental insurance is....
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Dan De La Torre
Mar 276 min read
Is Life Insurance an Investment?
Life insurance is commonly perceived as a means to secure the financial future of you and your family. However, it's also a versatile...
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Dan De La Torre
Mar 135 min read
Understanding the Differences Between Short-Term and Long-Term Disability Insurance
In today's uncertain world, safeguarding our health and well-being through insurance coverage is essential. Focusing on safeguarding our...
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Dan De La Torre
Jul 19, 20233 min read
Accident Insurance vs Health Insurance: Understanding the Key Differences and Value
In today's uncertain world, safeguarding our health and well-being through insurance coverage is paramount. When it comes to protecting...
87 views0 comments
Dan De La Torre
May 10, 20234 min read
Do You Need Disability Income Insurance?
People ordinarily buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to...
88 views0 comments
Dan De La Torre
May 10, 20232 min read
Understanding Voluntary Benefits
You know the importance of having health care coverage and a 401(k), but are you taking advantage of all the benefits offers? Voluntary...
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Dan De La Torre
May 10, 202312 min read
The Federal Thrift Savings Plan
What is the Federal Thrift Savings Plan (TSP)? The Federal Thrift Savings Plan (TSP) is a tax-deferred retirement savings and investment...
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Dan De La Torre
May 10, 20235 min read
Understanding Social Security
Approximately 69 million people today receive some form of Social Security benefits, including retirement, disability, survivor, and...
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Dan De La Torre
May 10, 20233 min read
Is a High-Deductible Health Plan Right for You?
In 2020, 31% of U.S. workers with employer-sponsored health insurance had a high-deductible health plan (HDHP), up from 24% in 2015....
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Dan De La Torre
May 10, 20233 min read
Life Insurance Beneficiary Mistakes to Avoid
Life insurance has long been recognized as a useful way to provide for your heirs and loved ones when you die. Naming your policy's...
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