Author Troy Baccus

July 12, 2016 by Troy Baccus

LifeLock Video Review

  The video above shows an in-depth review of what you can expect when you purchase the LifeLock Identity Protection service. We found LifeLock’s customer service team extremely helpful and their service comprehensive and valuable. After purchasing LifeLock to personally review their identity protection tools we firmly believe that LifeLock is a good choice for

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July 1, 2016 by Troy Baccus

Having a baby? Buy life insurance.

If you are having a baby then one of the most important financial things to do is secure life insurance for your family. The reason life insurance becomes so much more important when a child is born is because the new life is 100% dependent on care and guidance for at least 18 years. If you are

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June 9, 2016 by Troy Baccus

Should You Purchase a Whole Life Insurance Policy?

Should You Purchase a Whole Life Insurance Policy? As a general proposition, Montana Life Group does not universally endorse whole life insurance. There are certainly exceptions, which we’ll touch on in this post, but overall we feel the majority of people are better off purchasing a term life insurance policy. To begin with, whole life

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June 6, 2016 by Troy Baccus

Limited-Time High Interest Rate MYGA

What is a limited-time high interest rate MYGA? From time to time, an insurance company will have special limited-time offer for a Multi-Year Guaranteed Annuity (MYGA) with a higher interest rate. For example, we were notified by one of our carriers that, beginning June 6, they are offering a MYGA with a 3.15%* interest rate. It’s a 5

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June 3, 2016 by Troy Baccus

New Medigap Insurance Website

www.Medigap-Insurance-For-Medicare.com   We are pleased to announce our newest website dedicated to helping consumers shop for Medicare Supplement Insurance. The site has a regularly updated blog which will provide useful information for Medigap Insurance shoppers.   Our approach to Medicare Supplement Insurance Our approach to Medicare Supplement (MedSupp) insurance is the same as it is

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May 25, 2016 by Troy Baccus

Surgeons Need Own Occupation Disability Insurance

Disability insurance is extremely important for surgeons and specialists. If you are a surgeon or specialized medical professional then you should request a quote for disability insurance now. Why Surgeons need “True Own-Occupation DI” You may have heard the term Own-Occupation Disability Insurance before. This is the strongest form of disability insurance a person can

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April 5, 2016 by Troy Baccus

What is a Multi-Year Guaranteed Annuity or MYGA?

A popular type of annuity is called a Multi-Year Guaranteed Annuity, or MYGA. Below we’ll explore the question “What is a MYGA?” and give examples of when it’s appropriate to use a MYGA as a savings vehicle. What Does MYGA Stand for? MYGA stands for “Multi-Year Guaranteed Annuity.” It is a fixed annuity, meaning it has a fixed interest

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January 31, 2016 by Troy Baccus

UPDATE : Current IRS tax / identity theft scam: 202-754-8843

  We recently posted an identity theft alert about an ongoing identity theft scam. You can read the older post here: SCAM ALERT: Fake IRS Agents are on the Prowl IMPORTANT UPDATE* The identity theft scammers won’t stop.  In response to our latest IRS Scammer Blog Post, we were told that the same identity thieves

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January 27, 2016 by Troy Baccus

Is there insurance against identity theft?

Our focus is in providing financial protection to our clients. For that reason we include identity theft protection (such as LifeLock and Identity Guard) in our menu of recommended services. In a lot of ways you can consider a service like LifeLock as an insurance policy against identity theft. Fraud protection services monitor your credit and notify

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January 24, 2016 by Troy Baccus

SCAM ALERT: Fake IRS Agents are on the Prowl

You’ve probably recently received your W-2 in the mail.  I did yesterday.  Tax season is upon us.  It didn’t take the identity theft scammers long to commence their attack. Today I received a voicemail from the following number 914-499-8217.  They left an automated voicemail claiming to be the IRS and urging that I call them

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