There are many types of insurance programs to manage these days. Yet, one of the programs most misunderstood by employees of companies and small business owners is the need for disability ...

There has been a ton of press over the past few months regarding health insurance. Democrats slamming Republicans, and Republicans slamming back Democrats.

I too have a political party. The party of the small business owner. We take all of our cash, put a business plan together, and work 70 to 80 hours per week creating the dream of building something that will live beyond our lifetime. However, with all that has gone on over the past year, where is the small business owner to turn when the policies from Washington, D.C. come to fruition.

Windstorms, Hurricanes, and Tornadoes--Are You Covered?

Tornadoes, hurricanes, and other windstorms can cause lots of damage to your home and its contents. But will insurance cover your losses if one of these storms strikes your home? The answer is that it depends.

Health Savings Accounts (HSA’s) were approved by Congress in 2003—part of the largest expansion of government intervention in medicine in 40 years—and became law in January 2004. Almost six years later, most American still don’t understand their health insurance choices. You can’t overlook considering whether an HSA is right for your family. Remember that an HSA is a different plan than the Medical Savings Accounts (MSA’s) which were introduced in 1996.

There are announcements almost every day of layoffs across the country. With roughly 10 percent unemployment across the United States people are concerned about their health insurance coverage. One of the things that we've been hearing is that people simply do not know whether to utilize COBRA coverage or purchase their own separate policies. written by Arthur Benz
President, oXYGen Financial Insurance, Inc.
Insurance Agency