Brooks, Todd & McNeil Agency Blog
The Cost of Nonpayment: How Lapsed Insurance Hurts Your Business
The envelope remains unopened on your desk — this is your third notification. Last month's business insurance payment didn't go out. Production costs were high, and something had to give. You figured you'd catch up next week. But time keeps passing by. Most insurers offer a short grace period —...
Read full article

Knowing how to fight against ransomware is essential to protect your business from irreversible harm is critical. Businesses have become popular targets for cyber attacks. Ransomware is a common malware that prevents people from accessing their files or computer systems. The criminals then demand payment of a ransom under the…
Read full article
Don’t worry, you still have options. If you are eligible for the federal Medicare program, the Medicare Annual Enrollment Period (AEP) allows you the opportunity each year to enroll in a new plan or switch plans. The Annual Enrollment Period runs from October 15th to December 7th and allows 7…
Read full article
Working Past Age 65? Even if you are still working and covered by your employer plan, you are first eligible for Medicare during what’s called your Initial Enrollment Period (IEP). The IEP begins 3 months before the month of your 65th birthday and ends 3 months after the month of…
Read full article
The Basic Parts of Medicare (Parts A, B, C and D) There are four parts of Medicare. You have likely heard about Original, or Traditional, Medicare, offered by the federal government, which most United States citizens are eligible for at the age of 65. Original Medicare covers Part A and…
Read full article
Medicare prescription drug average is likely to fall by the time 2023 comes around, creating some options for patients. Medicare is national health insurance run by the government. The original plan, known as Part A and Part B, does not cover all medical services, treatments, or expenses. Many individuals purchase…
Read full article
It is vital and lifesaving to know what to do when your car breaks down on the side of the road, and it could save a life. Even if you have towing or roadside coverage on your auto insurance, the first time your car breaks down can be a frightening…
Read full article
Don't wait until the last moment to consider your Medicare options. Medicare's Annual Enrollment Period runs annually from October 15th through December 7th. If you are at least 65 or older and eligible for Medicare, here is what to know as you review your Medicare plan options. If you currently have…
Read full article
A digital transformation can cause changes, inevitably producing benefits and disadvantages, especially for those in the industry. This term refers to the continuous introduction of new technology in the insurance sector, including machine learning, artificial intelligence, and data management tools. Digital Transformation: The Ups and Downs You might wonder —…
Read full article
There are specific ways that open payments affect Medicare that people need to understand so they can adjust accordingly. According to the Centers for Medicare and Medicaid Services, 6.27% of all payments made with Medicare funds are improper or fraudulent. This number demonstrates the problem that open payments seek to address.…
Read full articleContact Us For A Consultation And Quotes
Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.