Tips, Guides & Publications



Health Insurance

  • Always complete applications including your medical history.
  • Check policy provisions that restrict or reduce benefits.
  • Be aware of possible consequences when replacing existing coverage.
  • Check your right to renew.
  • Use the 10 day “free-look” provision.
  • Check with the Bureau of Insurance to see if the company and the agent are licensed to do business in Virginia.
  • Read your entire policy carefully.
  • Do not pay cash for any policy.
  • Check the rating of the company.
  • Healthcare Pricing Comparison Tool
  • A Shopper’s Guide to Health Insurance

Life Insurance

  • Decide how much insurance you need and the length of time the protection should last.
  • Learn what kinds of policies are available to meet your needs and pick the one that best suits you.
  • Look for a policy with a premium you can afford. It can be costly to let policies lapse.
  • Use the 10 day “free-look” provision, you can get your money back in the first 10 days if you change your mind.
  • Reassess your life insurance needs frequently because your needs will change as your dependents and finances change.