Brad Klavan
Principal
Flu Season and Group Health Benefits: What Employers Should Know
Posted: October 13, 2026
As flu season picks up each fall, employers are often looking for practical ways to support employee health while managing the impact of illness-related absences on their business. Group health benefits, along with a few workplace wellness efforts, can play a meaningful role during this time of year. Why Flu Season Matters for Employers Seasonal flu tends to peak between October and February, and illness-related...
Deductibles, Copays, and Coinsurance: Understanding Your Health Insurance Costs
Posted: October 10, 2026
Health insurance comes with its own vocabulary, and terms like deductible, copay, and coinsurance are often used without much explanation. Understanding what each one means, and how they work together, can make it easier to estimate your actual costs and compare plans more confidently. What Is a Deductible? A deductible is the amount you generally pay for covered healthcare services before your insurance plan starts...
Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs
Posted: October 7, 2026
Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy. What Is a Life Insurance Rider? A rider is an optional provision added to a life insurance policy, usually...