Sandy Gilkey Insurance Agency

Health Insurance 101: A waiting period is the time that must pass before coverage can become effective for an employee or dependent who is otherwise eligible for coverage under a job-based health plan.

Feeling overwhelmed about your insurance options for 2026? Contact us today for a no cost consultation.

Fast Fact: Medigap comes through private insurance companies and aims to fill in the “gaps” left in the traditional Medicare coverage.

"Every child is an artist. The problem is how to remain an artist once he grows up."

The face value of a life insurance policy is the death benefit the policy will pay. If you take out a $100,000 life insurance policy, $100,000 is the face value. That value can change over time as you borrow from the policy or increase the amount of coverage you have. Face value is not the same as cash value, which is the excess premiums you’ve paid plus interest earned, which accumulates in the policy’s cash value account.

A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.

Turning 65 is a major milestone — and not just because it’s the age you can enroll in Medicare! Taking the time to understand Medicare enrollment now can help you avoid costly penalties and coverage gaps down the road.

“Do one thing every day that scares you.”

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.

If you or your employees use a car to drive for business, commercial auto insurance can help protect you on the road. It can help cover another person’s injuries or property damage if an accident happens.

Fast Fact: 50 percent of Millennials (ages 28-43) own life insurance.