Daniels Insurance Agency - Company Message

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Life Insurance
Help for Consumers
Top Ten
Changing Times


Affordable Care Act
Life and Health Insurance
life insurance need
Tax Guide
Veterans Insurance
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Life Insurance

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Intro to Life Insurance
Life insurance is an important component of a sound financial plan. Buying insurance involves asking a variety of personal lifestyle and financial questions. If you are not already working with an insurance professional, you may want to consider the advice of a fee-for-service financial planner who can offer you an objective review of your insurance options. When you decide on what you want, there are many solid insurance companies to choose from. Consult your library or an independent insurance professional for companies with the highest ratings from the four ratings agencies: AM Best, Duff Phelps, Standard & Poor's, and Moody's.

Help for Consumers

Possible Relief for Consumers with Low Credit Scores
Changes to a widely used credit score may make it more likely for consumers struggling with low scores to obtain loans. Fair Isaac Corporation's newest FICO® credit scoring model will change certain aspects of how it computes the information on an individual's credit report. The changes come in the wake of discussions with lenders and regulators looking to find ways to increase consumer lending without creating additional credit risks.

Top Ten

10 Reasons to get Life Insurance
No 1: Income Replacement
No 2: Final expenses
No 3: Estate Liquidity
No 4: Low Premiums
No 5: Transfer Family Wealth
No 6: Build Cash Value
No 7: Cover Debts
No 8: Business Succession
No 9: Tax benefits
No 10: Charitable Gifts


Why you need Life Insurance ? To replace lost income for loved ones ? To only cover funeral expenses ? CALL ME FOR A QUOTE , WHOLE LIFE , OR TERM LIFE 240-855-7267

Changing Times

Changing Times Was there a death in the family , or perhaps a new addition ? Are you making more money ? Has someone you know taken ill and reminded them of the need for long term care insurance ? What would happen to their finances if they were sick or injured and could not work ?

2014 Tax Guide

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2014 Tax Guide


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Affordable Care Act (Obama Care)

Health-Care Insurance Enrollment: Questions and Challenges

Healthcare.gov options

If you can't access the federal exchange's website, here are some suggestions:

Get in-person help through the website, localhelp.healthcare.gov
Complete a paper application, which can be obtained at bit.ly/PaperApplication
Call the exchange hotline, available 24/7, at 1-800-318-2596

An important part of the Patient Protection and Affordable Care Act (ACA) is the creation of Health Insurance Exchanges or Marketplaces (the terms are interchangeable) through which consumers may compare and buy health insurance, and find out whether they are eligible for Medicaid or tax credits/subsidies that reduce the cost of insurance.

Humana flyer

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The need for life insurance

If you were gone today who would take care of your family ?
All the reason more to invest in now
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