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Insurance Guides & Resources

Expert insurance guides for Connecticut residents — life, health, Medicare, annuities, and more.

Life Insurance

Disability Insurance in Connecticut: Complete Income Protection Guide 2026

Disability insurance replaces a portion of your income if illness or injury prevents you from working. Connecticut has no state-mandated disability program, making private coverage essential. This guide covers short-term vs. long-term disability, own-occupation vs. any-occupation definitions, how to choose an elimination period, 2026 CT premium benchmarks, and how to fill the gaps in your employer group plan.

Oct 25, 2025 ·22 min read
Life Insurance

Burial Insurance for Seniors: Connecticut’s Complete 2026 Guide

Connecticut traditional funerals average $12,000–$18,000 in 2026. Burial insurance is a specific type of final expense whole life policy designed solely for funeral and interment costs. This guide compares burial insurance, pre-need funeral contracts, cremation options, and guaranteed acceptance policies for CT seniors aged 70–85.

Oct 7, 2025 ·22 min read
Health Insurance

Short-Term Health Insurance and Gap Coverage in Connecticut: 2026 Guide

Connecticut strictly limits short-term health insurance plans to three months, non-renewable — more restrictive than federal rules that permit plans up to four months. If you are between jobs, retiring early, or waiting for employer benefits to begin, you have several gap coverage options: COBRA continuation, ACA marketplace special enrollment, Medicaid through Connecticut

Sep 28, 2025 ·20 min read
Insurance Basics

Umbrella Insurance: Protect Your Connecticut Assets in 2026

Standard auto and homeowners policies in Connecticut typically cap liability coverage at $300,000 to $500,000 — an amount that can be wiped out by a single serious accident. A personal umbrella policy adds $1 million to $5 million of excess protection for as little as $150 to $350 per year, covering bodily injury, property damage, and personal injury claims that your underlying policies cannot fully absorb.

Sep 19, 2025 ·18 min read
Insurance Basics

Pet Insurance for Dogs and Cats in Connecticut: 2026 Buyer’s Guide

Veterinary costs have climbed dramatically over the past decade — surgery for a dog with a ruptured cruciate ligament now runs $4,000 to $8,000 in Connecticut, and cancer treatment can reach $20,000 or more. Yet fewer than 4 percent of Connecticut pet owners carry pet insurance. This guide explains exactly how pet insurance works, what it costs in 2026, which insurers operate in Connecticut, and whether the math justifies the monthly premium for your dog or cat.

Aug 23, 2025 ·25 min read
Health Insurance

Health Insurance Options in Connecticut: Your Complete 2026 Guide

Connecticut residents have five primary paths to health coverage in 2026: employer-sponsored insurance, the ACA marketplace through Access Health CT, Medicaid via the HUSKY program, Medicare for those 65 and older, and continuation coverage through COBRA. Each path carries different eligibility rules, cost structures, and coverage quality. This complete guide explains every option so you can make the right choice for your household.

Aug 14, 2025 ·28 min read
Health Insurance

Accident and Supplemental Health Insurance in 2026: Complete CT Guide

Bronze ACA plans in 2026 carry individual deductibles of $7,500 or higher — meaning Connecticut residents absorb every dollar of most medical events entirely out of pocket before their health insurance contributes anything. Supplemental health insurance is the financial infrastructure that bridges this gap. This guide goes deep: benefit schedules, exact payout ranges, how to file claims, tax strategy, and how to stack supplemental products with an HSA for near-complete financial protection at modest monthly cost.

Aug 5, 2025 ·24 min read