At Benefitsage, we believe life insurance in IL should be simple, affordable, and built around you. Many Illinois residents are still buying insurance from agents who only represent a single company. That means fewer options, higher premiums, and plans that might not fit your needs. We do things differently. The Benefitsage Difference We’re an independent… Read more »
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How to Choose the Right Health and Life Insurance Plan in 2025
When it comes to securing your financial future, health and life insurance remain two of the most important pillars. But with rising costs, complex coverage options, and frequent policy changes, choosing the right plan can feel overwhelming. That’s where Benefitsage comes in — your trusted independent insurance broker focused on saving you money while simplifying… Read more »
Why Working with an Independent Insurance Broker Saves You Money on Life Insurance
Life Insurance Doesn’t Have to Be Complicated or Expensive Whether you’re protecting your family, your business, or your legacy, life insurance is one of the most important financial decisions you’ll ever make. But here’s the problem:Too many people are stuck in overpriced or underperforming policies — simply because they didn’t know they had options. At… Read more »
Understanding Annuities in Life Insurance Contracts
Understanding Annuities in Life Insurance Contracts Annuities are financial products that can provide a steady income stream, typically used for retirement planning. In the context of life insurance, an annuity can be an integral part of managing long-term financial security. Here’s what you need to know about how annuities function within life insurance contracts. What… Read more »
Navigating the Haze: Life Insurance for Marijuana Smokers vs. Non-Smokers
With the legalization and decriminalization of marijuana over the years, a huge societal attitude and those within the insurance industry have indeed changed. One of the key differences, however, is how life insurance companies view marijuana users compared to non-users. These, therefore, are important differences for actual and prospective policyholders who are currently engaging in… Read more »
Life insurance Term vs. Permanent
The understanding of the difference between term and permanent life insurance can set you in place to know your financial goals and needs before making any choice. Both are reviewed below. Term Life Insurance – Definition: Term life insurance pays a death benefit only if you die during the time, or term, of the policy,… Read more »
Travel insurance Pro’s and Con’s
Travel insurance becomes part of the trip’s preparation, bringing calmness and financial security in unforeseen cases. Below, there is a list of the main advantages and disadvantages to buy travel insurance: Pros 1. Medical Coverage: This provides for the medical costs that will be incurred abroad, which is very essential since most of the insurance… Read more »
Understanding the Difference: Medicare Supplement vs. Medicare Advantage
As Medicare recipients, we spend most of our time feeling confused. Confused while on the phone with Medicare, confused when submitted claims take forever to process, and confused when the whole system seems to have racked up a hefty chunk of change on your behalf. For all these reasons and more, sorting through your coverage… Read more »
Drug reform on the way
Whether you like President Trump or not, you have to give him credit for moving things forward. The man does have guts and does not bow down to political pressure from corporate lobbyists and other special interest groups. Unbelievable the pace of the current Administration getting things done. One thing about electing a business person… Read more »
Medical Insurance Today
I have been in the group medical insurance business for over 25 years. I have seen dozens of companies come and go throughout my career. I have seen rates go up and have seen rates go down, plans change and employer groups move to different insurance companies sometimes every year. Employers buying insurance like consumers… Read more »