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Insurance Guides & Resources

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

Annuities & Retirement

Fixed Annuities for Connecticut Retirement: The Complete 2026 Guide

A fixed annuity is a contract with an insurance company that guarantees a specific interest rate on your money for a defined period — no market risk, no fluctuating returns, and no annual tax event on growth. In 2026, Multi-Year Guaranteed Annuity (MYGA) rates in Connecticut range from 5.0 to 5.6 percent for terms of three to seven years, making fixed annuities competitive alternatives to CDs, bonds, and savings accounts for retirees who want predictable, tax-deferred growth.

Dec 27, 2025 ·24 min read
Medicare

Medicare Advantage Plans in 2026: How to Choose the Right CT Plan

Medicare Advantage (Part C) lets private insurance companies deliver your Medicare benefits — often at $0 monthly premium — while bundling dental, vision, hearing, and prescription drug coverage into a single plan. Choosing the right plan in Connecticut for 2026 requires understanding plan types, network restrictions, star ratings, formularies, and the Maximum Out-of-Pocket limit that protects you in a high-utilization year.

Dec 18, 2025 ·22 min read
Insurance Basics

Auto Insurance in Connecticut: 2026 Complete Guide to CT Car Insurance

Connecticut requires 25/50/25 liability coverage plus mandatory uninsured motorist protection. Average full coverage costs $2,400 to $3,100 per year depending on city, with rates varying widely across carriers. This 2026 guide explains every coverage type, rate factor, and strategy to reduce your CT car insurance bill.

Nov 21, 2025 ·30 min read
Medicare

Medicare Supplement (Medigap) Plans: Complete 2026 Connecticut Guide

Medicare Supplement (Medigap) plans fill the gaps left by Original Medicare — the deductibles, copays, and coinsurance that can expose you to tens of thousands of dollars in out-of-pocket costs. Connecticut uses community-rated pricing, meaning everyone on the same plan pays the same base premium regardless of age. This guide covers every plan letter available in CT in 2026, how premiums compare across carriers, when to buy, and how to choose between Plan G, Plan N, and Plan G-HD.

Nov 3, 2025 ·23 min read
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