Critical illness insurance is often one of the most misunderstood forms of coverage. It sounds straightforward—protection against major illnesses—but the details can be surprisingly complex. Understanding what’s covered, what’s not, and how the policy functions can make all the difference when a serious diagnosis turns life upside down. The Purpose Behind Critical Illness Coverage The...
In Louisiana, the water is more than scenery — it’s a way of life. From casting lines at dawn on Toledo Bend to steering through the brackish marshes of the Barataria Basin, boating is as much part of the state’s DNA as gumbo and good jazz. The same waterways that inspire recreation and fuel local...
At ADDvantage Insurance in Houma, we spend a lot of time helping families make smart decisions about protection. And while most people think about insurance in terms of homes, cars, or businesses, another area has been growing quickly—coverage for pets. Rising veterinary costs are a reality across the country, and families are beginning to look...
Running a family-owned business often means wearing many hats. Owners are focused on daily operations, balancing budgets, serving customers, and supporting employees—all while competing with larger companies that have more resources. One of the biggest challenges smaller businesses face is providing benefits that attract and retain talent. The good news is that benefit packages are...
Small businesses across Louisiana are facing a common challenge—how to provide employees with meaningful access to healthcare benefits without being crushed by the rising costs of traditional group health insurance. Healthcare Discount Organization (HDO) plans have emerged as a solution that bridges the gap between affordability and practicality. These plans are not insurance but offer...
Employee benefits were once considered optional perks, but in today’s labor market, they have become a standard expectation. The absence of benefits has consequences that extend beyond initial payroll savings, often resulting in long-term costs for businesses. Understanding these impacts highlights why benefits matter more now than ever before. Recruitment Challenges Without Benefits Job seekers...
Over the years, one of the most persistent sources of confusion I’ve encountered is the difference between ADD and ADHD. Many people think the two terms are interchangeable — and technically, thanks to some changes in diagnostic language, they aren’t entirely wrong. But clinically, the differences matter. And understanding those differences can be the key...
In many parts of coastal and low-lying Louisiana, flood insurance has shifted from a standard safeguard to a major challenge. As flood frequency increases and claims continue to rise, some areas are facing reduced access to coverage—or none at all—from private insurers. The term “uninsurable” has started appearing more frequently in conversations about homeownership in...
Long-term care insurance is often left off the financial planning checklist until a crisis forces it into the spotlight. Yet, it plays one of the most critical roles in protecting personal finances, preserving dignity, and reducing the burden on families. With the cost of care rising and Americans living longer than ever, preparing for long-term...
Purchasing a used recreational vehicle (RV) opens the door to travel, freedom, and flexibility—but it also comes with insurance considerations that differ from those associated with new models. Coverage for a used RV must reflect its current condition, intended use, and unique risk profile. Understanding how insurance policies are structured for used RVs helps protect...
