Funeral Life Insurance: Coverage, Costs, and Waiting Periods
Can life insurance pay for funeral expenses? Learn how funeral life insurance works, what waiting periods may apply, and how to compare your options. Read more
Insurance Articles and Insights
Explore straightforward articles about health insurance, life insurance, annuities, retirement planning and employee benefits from Jay A. Cohen, The Ocala Insurance Guy.
Can Joint Life Insurance Protect Both of Us?
Can one policy protect two people? We explain first-to-die and survivorship life insurance, compare separate policies, and highlight the questions couples should ask before deciding. Read more
Facing a Life Insurance Lapse? What to Do Next
A missed premium, a grace period, and a policy lapse are different stages. Learn how to confirm coverage, handle a lapse notice, and ask about reinstatement. Read more
Can You Cancel Group Health Insurance at Any Time?
Before you leave an employer medical plan, confirm the permitted election change, replacement enrollment, and coverage dates for each family member. Read more
Can Group Health Plans Use Preexisting Condition Exclusions?
Changing group health plans with an existing condition? Understand exclusion protections, enrollment timing, covered care, costs, and denial questions. Read more
Can You Use Life Insurance as Collateral for a Loan?
A lender’s claim can change what remains for your family. Learn how collateral assignments work, how they differ from policy loans, and what to check before signing. Read more
Can You Get Part-Time Health Insurance Through Work?
Part-time work does not automatically rule out health coverage. Learn what to check about eligibility, hours, start dates, employee costs, and Marketplace options. Read more
Can You Get Covered? A Practical Look at Life Insurance for Smokers
Can you get life insurance if you smoke? Learn how tobacco and nicotine history affect the discussion, what to ask about quitting, and how to compare offers. Read more
Still Working at 65? How Medicare and Group Health Insurance Fit Together
Still working at 65? Learn who pays first, when Part B can wait, and what to check about COBRA, prescriptions, HSAs, and leaving employer coverage. Read more
Life Insurance vs AD&D: What’s Covered, and Can Both Pay?
Life insurance and AD&D can appear together in your benefits, but they pay under different conditions. Learn what to count in your household coverage plan. Read more