Customized Insurance Agency Newsletters, Content, and Marketing

We love our dogs. In 2025, there were nearly 90 million dogs living in U.S. households, meaning that nearly half of all households had one. 

Why do we let these furry four-legged friends into our lives? For most people, it's companionship as well as an excellent burglar alarm.  But there are other advantages to having a dog, including many health benefits to you and your family.

If you plan on taking a long trip, you should be aware of a vein disorder that is especially common among travelers over 50.

Deep vein thrombosis occurs when a blot clot forms in a deep leg vein. DVT is potentially fatal because a clot could travel to the lungs and cause a pulmonary embolism. The condition usually occurs in the calves and travelers are at increased risk of DVT during long plane or car rides. Here's how to prevent this potentially dangerous condition.

Most new vehicles on the market come with keyless entry systems that use a "smart key" that allows them to lock and unlock their doors, trunk or tailgate and start the car from afar.

But while these smart keys have made starting, locking and unlocking your car easier than ever, thieves have figured out a way to commandeer the technology to steal cars. They do this using a system called a "relay attack."

To avoid becoming a victim of this kind of theft, there are steps you can take to protect your vehicle.

Fourth of July is one of America's favorite holidays and it's a time to enjoy Independence Day with your family and friends.

Unfortunately, every year more than 11,000 people are sent to the emergency room for fireworks-related injuries and in a typical year about eight to 10 people are killed by fireworks.

But you can take steps to protect your family and your property so that you don't have to be one of those statistics. It all comes down to common sense and respecting the power of the fireworks.

Farming today requires navigating far more than soil conditions and weather patterns. Agricultural operators also need to keep up with complex federal requirements that can determine whether a bad season becomes a manageable setback or a financial crisis.

The Federal Crop Insurance Program, administered by the USDA's Risk Management Agency, offers producers a critical safety net. Yet that net only catches those who know how to use it and can comply with its strict reporting requirements.

The smallest construction firms account for more than half of all construction fatalities, despite only accounting for 36% of the industry's payroll workforce, according to a new study.

The study found that establishments with one to 10 employees experienced nonfatal injury rates twice as high as firms with 1,000 or more employees. What's going on and what can small firms do about it?

Workers are increasingly turning to direct-to-consumer online drug platforms like Amazon Pharmacy, Mark Cuban Cost Plus Drug Company and the government-backed TrumpRx to buy prescription medications at prices sometimes far lower than what they would pay through their employer-sponsored health plans.

But in many cases, the money they spend on those drugs does not count toward their health plan deductible or annual out-of-pocket maximum. A new bill in Congress aims to change that.

As demand grows for employer-sponsored behavioral health programs, new research suggests that well-designed mental health programs can generate measurable financial returns for businesses while improving employee well-being.

Behavioral health services can deliver a projected return on investment of more than 500%, with employers seeing about $6.07 returned for every $1 spent, according to a new report. The cost returns from behavioral health services are derived from reduced absenteeism and presenteeism, improved productivity and reduced medical spending.

Health insurers are reporting progress on their voluntary effort to streamline prior authorization. They say they are on track to standardize the process for submitting prior authorization requests for coverage for many common procedures by Jan. 1, 2027.

The push, led by America's Health Insurance Plans and supported by major carriers, aims to standardize how prior authorization requests are submitted and reviewed across commercial plans, Medicare Advantage and Medicaid-managed care. Currently, prior authorization rules are inconsistent, even within a single insurer's operations, which negatively affects patients, saddling them with unneeded stress and the possibility of worse health problems down the road.

Here's what's changing.

For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After years of relying on employer-sponsored insurance, the transition to Medicare can feel abrupt and confusing, often leaving employees unsure of what to do next.

Employers that step in to guide workers through this transition can improve retirement outcomes, reduce benefit costs and strengthen employee trust. When older employees understand their Medicare options, they are more likely to retire on time, avoid costly mistakes and feel supported by their employer.

Health insurers are reporting progress on their voluntary effort to streamline prior authorization. They say they are on track to standardize the process for submitting prior authorization requests for coverage for many common procedures by Jan. 1, 2027.

The push, led by America's Health Insurance Plans and supported by major carriers, aims to standardize how prior authorization requests are submitted and reviewed across commercial plans, Medicare Advantage and Medicaid-managed care. Insurers say the goal is to reduce paperwork, speed decisions and improve consistency, though many of the commitments remain voluntary and vary by carrier. How will your employees benefit?

Imagine two friends, Viktoria and Jon, who both want to save for the future. Viktoria starts saving $50 a month at age 20, while Jon waits until he's 30 but saves $100 a month. Even though Viktoria started earlier, Jon puts in twice as much each month.

Who ends up with more money by the time they turn 60?