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 »
Posts Categorized: Uncategorized
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 »
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 »
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 »
Pre-existing condition myth
Sometimes watching the media and the social media is like the reruns of Monty Python’s Flying circus. The elected officials on both local and national levels have no clue on what they are talking about, especially in regards to the American health care system. So I finally saw an interview of someone who understands the… Read more »
Healthcare Reform: Why is it where it is
So the Republicans have proposed a new bill that is going to start to repeal and replace the Affordable Care Act (ACA) a.k.a. Obama Care. Obamacare made sweeping changes to the healthcare and medical insurance business in this country. Voted along party lines with little or no chance of ever working. Obamacare took healthcare from a… Read more »
Healthcare Reform We Are Getting There
Well we are down to one hundred and thirty pages we are told. A lot of simplification of the nine hundred or twenty seven hundred pages and the thirty thousand pages of regulatory aftermath. I think what a lot of folks don’t understand is that there are only certain things that can be changed without… Read more »
Medicare, Medicaid and the Public Health Care System
As the battle-lines are now being draw, Democrats VS Republicans the political posturing is unbelievable. Depending on what report you believe there are 20 million or 8 million people benefiting from the Obamacare. Reports claim that 12 million are getting health insurance from Medicaid expansion. Is Medicaid really an insurance program though? Unlike Medicare, Medicaid… Read more »
Obamacare What needs to change Step 2
The next thing that needs to change is very simple, expand the public health care system in the major metropolitan areas. All major cities/counties in the US have public healthcare system. Public Healthcare systems are required by federal law for disease control. If you live in Chicago, New York or Los Angeles of other populate… Read more »