Richard Thomas - Thomas Risk Solutions

Did you know — Lloyd's of London insured Bruce Springsteen's voice for $6 million. The principle's the same as any insurance: if losing it would cost you, there's a way to protect it.

Quick one on life insurance — term vs. whole life, how each one is structured, and how people think about which type fits what they're trying to protect.

Happy Father's Day weekend from all of us at Thomas Risk Solutions. To every dad reading this — the planners, the providers, the quietly steady ones who taught us to look out for the people we love — thank you. Enjoy the time with family.

"In-network" doesn't mean what most people think it means — and that gap costs people money every day. Quick myth-buster.

Two common Medicare coverage paths — Original Medicare (with optional Medigap and a separate Part D drug plan) and Medicare Advantage (Part C). A plain-English look at how each one works so you can understand your options.

Retiring early and defaulting to COBRA? You might be paying close to triple what the marketplace would cost. Here's the quick math.

Before you sign up for any insurance — Medicare, life, or health — there's one question that tells you almost everything about the advice you're getting. Here it is.

Retiring before 65? The gap between your last day and Medicare is almost never as expensive as the HR exit packet makes it look.

Here's how one client ended up paying about a third of what COBRA would have cost — and walked into Medicare without a hitch.