Uncategorized Blog

July 16, 2016 by Brad Gunning

How to Avoid Becoming an Identity Theft Victim

The United States Department of Justice has its hands full with identity theft fraud cases. The DOJ notes “the damage that criminals do in stealing another person’s identity and using it to commit fraud often takes far longer to undo than it took the criminal to commit the crimes.” To help the public avoid becoming

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July 14, 2016 by Brad Gunning

What are the Different Types of Medicare Advantage Plans?

Medicare Advantage, also known as Medicare Part C, is a good alternative for people that can’t afford a Medicare Supplement Insurance (Medigap) plan. Medicare Advantage plans, however, have some restrictions you won’t find with a Medigap plan. One of the main restrictions of a Medicare Advantage plan is the plan’s network. Let’s take a look

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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 8, 2016 by Brad Gunning

Common Retirement Mistakes

The USA Today published an article titled Seven Big Mistakes Couples Make in Retirement. While the agents at Montana Life Group likely can’t help with Mistake #1 (couples that never talked to each other about retirement), we certainly can be a useful tool in avoiding Mistakes #3 (couples that didn’t do proper financial planning), #4

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July 6, 2016 by Brad Gunning

Can You Switch Medigap Policies?

You have a Medigap policy, but maybe you initially chose a basic plan and would like to “upgrade” to a more comprehensive Medigap plan, like Part F. Maybe you realize you’ve been paying for benefits you don’t need. Maybe your finances have changed and you need to save money on monthly premiums. Can you switch

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July 2, 2016 by Brad Gunning

Most Common Fraud Schemes According to the FBI

At our core, Montana Life Group aims to protect its clients financially – whether that’s in retirement (Medigap and annuities), while you’re earning an income (disability insurance) or when you have a loved one that depends on you (life insurance). With that in mind, we’re always trying to help our readers keep tabs on some

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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 30, 2016 by Brad Gunning

Illegal Medigap Sales Practices

Buying Medicare Supplement Insurance (Medigap) on your own isn’t easy. It’s possible, but you’d have to (1) decide which of the standardized Medigap plans (A through N) is best for you, (2) call your state health insurance assistance program to find out which insurance carriers sell Medigap policies in your state, (3) call each of these insurance companies, give them your

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June 29, 2016 by Brad Gunning

What are the Best Disability Insurance Riders?

If you’ve spoken with an insurance agent about disability insurance, the topic of “riders” has probably come up. A rider is essentially an “add-on” to an insurance policy. The rider provides additional coverage not included in the basic disability insurance policy. Of course these riders aren’t free. There’s an increase in monthly premium associated with

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June 27, 2016 by Brad Gunning

Video Guide to MYGAs

If you have 15 minutes and you’re interested in a MYGA 101 course, you’ve come to the right place. The above video dives into the following topics regarding MYGAs: 1. What is a MYGA? To start, the video defines MYGA: a multi-year guaranteed annuity. Specifically, it’s a type of fixed annuity with a guaranteed interest

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