Oct 9, 2019, 5:23 AM

Medicare and Medicaid both help individuals pay health care and medical expenses. Medicare is an age-based benefit operated by the federal government and funded by workers (typically through automatic payroll deduction). Medicaid, on the other hand, is a taxpayer-funded state public assistance program subject to federal guidelines. Click on the link to learn more.

Sep 25, 2019, 5:44 AM

A major earthquake will likely cause widespread destruction. Repairs may be financially devastating. Property insurance policies typically exclude coverage for earthquake damage, but protection may be available through a buy-back endorsement. Click on the link to learn more.

Sep 18, 2019, 5:29 AM

Illinois is home to two major fault lines. The New Madrid Seismic Zone runs through southern Illinois and the Wabash Valley Seismic Zone is located in southeastern Illinois. In northern Illinois, geologists have identified the Sandwich Fault Line and Plum River Fault Line as potential earthquake zones as well. Earthquakes occur periodically in all four areas. Most register below 5.0 on the Richter Scale, but this may not always be the case. Residents should have a response plan should a damaging earthquake occur in the future. Click on the link to learn more.

Sep 4, 2019, 4:43 AM

C.L.U.E. is a seven-year claims history database operated by LexisNexis. Most homeowners insurance companies subscribe to C.L.U.E., which is an acronym for Comprehensive Loss Underwriting exchange. Click on the link below to learn more.

Aug 28, 2019, 6:56 AM

Proceed carefully. Evaluate current and prospective policy terms. Investigate pros and cons of replacing coverage and explore other alternatives. Identify your financial goals and consider your age and health as well. Click on the link below to learn more.