Life Insurance with a Long-Term Care Rider: What You Need to Know

  Many people worry about two things at the same time: protecting their family and covering future healthcare costs. Life insurance with a long-term care rider is designed to address both.Instead of choosing between life insurance or long-term care coverage, this approach combines them into one strategy.What Is a Long-Term Care Rider?A long-term care rider is an optional feature...

Life Insurance with a Long-Term Care Rider: What You Need to Know

  Many people worry about two things at the same time: protecting their family and covering future healthcare costs. Life insurance with a long-term...

Mexico: A Colourful Journey That Didn’t Quite Deliver

A multi-stop adventure through Mexico promised vibrant culture, rich history, and unforgettable food. From the buzzing capital to charming Oaxaca and the beachy...

Medigap Premiums Leap, and Consumers Have Few Alternatives

After decades of selling insurance, Illinois-based broker John Jaggi had never seen anything like it. More than 80 of his customers who were enrolled...

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Small Business Insurance

What Small Business Owners Need to Know

April 3, 2026 A certificate of business insurance (or COI) is one of the most important documents your business will be asked to provide and one of the easiest ways to lose time if you are not prepared.  If you are...

What Small Business Owners Need to Know

April 3, 2026 A certificate of business insurance (or COI) is one of the most important documents your business will be asked to provide and one of...

Quote & Bind Small Business Insurance with Coterie

March 27, 2026 An insurance agent needs to bind a general liability policy before their client’s lease signing tomorrow. With traditional carriers, that’s 2-5...

General Liability vs BOP: How Insurance Agents Decide

March 19, 2026 Insurance agents advising small business clients frequently face a foundational coverage question: Should this client purchase General Liability insurance or a Business Owners Policy (BOP)?  General Liability insurance covers...

General Liability Enough VS BOP

March 6, 2026 Small businesses don’t all face the same risks. A freelance designer working from a laptop has very different insurance needs than a bakery with ovens,...

Why Relationships Still Win in Small Business Insurance

February 26, 2026 Independent agents face increasing pressure to not just move faster, quote more, and win more small business accounts but also deliver better...

Should you use an insurance agent

February 13, 2026 Short Answer: Most small businesses benefit from working with an insurance agent. Online insurance is faster, but agents help prevent coverage gaps, compare multiple...

NAICS Appetite Guide for Insurance Agents| Coterie

February 5, 2026 An agent submits what appears to be a simple consulting risk. Days later, the submission is still in underwriting review. The client follows up...

Quote Bind Small Business Insurance in All 50 States: Agent Guide 

January 27, 2026 A commercial insurance agent in Chicago needs to bind a general liability policy for a new restaurant client before a lease...

How to Read Your FEMA Map

Trying to understand your flood zone in Georgia can feel confusing, especially when you see labels like Zone AE or Zone X. If you've ever pulled up a FEMA map and felt unsure what you were looking at, you...