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‘Annual Enrollment’ or ‘Open Enrollment’ is a period of time, usually but not always occurs once per year, when employees of companies and organizations may make changes to their elected fringe benefit options, such as health insurance or Medicare plans.  The term also applies to the annual period during which individuals may buy individual health…

While a fall festival is a fun event for children and families to attend, many churches and nonprofit organizations are wrestling with whether or not to hold their annual festivals in the face of COVID-19. Some are moving to drive-through programs, while others are holding modified fall festivals. If your Church is planning to host…

Get your FREE guide to Church Background Checks from Church Law & Tax  and the ‘Shepherd’s Watch’ – In your Ministry, all it takes is ONE breach in safety and you can have lifelong consequences. So, having safety precautions in place – including background checks and reference checks – are no longer an option but…

Mel Himes & Associates Insurance Agency is now offering a unique ‘Hurricane Coverage Policy’ for immediate cash payout.                                                                           …

In an article by Morgan Phillips, published by Fox Business, it says that claims from the recent riots will exceed $1 Billion in upcoming months. The article reads –  “The damage from riots and looting across the U.S. following the death of George Floyd is estimated to be the costliest in insurance history – between…

A final expense policy is intended to help with some of the financial obligations that can appear in the later years.  They are also referred to as a funeral or burial policy and are typically a whole life product.  There are many benefits to having a final expense policy: You may have outlived their term…

I recently personally attended an Insurance CE Class on Golf Cart Liability Insurance. I have been in the Insurance Industry for almost 50 years, and owning a Golf Cart myself for personal use, I want to bring to your attention the need for Golf Cart coverage in our world today. If you own any type…