Author: lmsfranchise

If you’re a Virginia resident looking into life insurance for the first time, you’ve probably already hit the wall of jargon: term vs. whole, riders, underwriting classes, face value. It’s a lot. Here’s what life insurance actually does and answers to the questions people ask us most in Northern Virginia. What life insurance actually does…

Most people know that Open Enrollment is the window to sign up for health insurance each year. What fewer people realize is that certain life changes give you the right to enroll in coverage any time of year, no matter where you are on the calendar. These changes are called qualifying life events, and if…

This rule comes from the Affordable Care Act, which requires health plans that cover dependents to allow children to stay on a parent’s plan until they turn 26, regardless of whether they’re a student, married, employed, or living independently. It’s one of the more well-known provisions of the ACA, but the actual mechanics of what…

If you don’t have health insurance through an employer and you’re not yet on Medicare, the window to get covered for 2027 opens November 1, 2026. Miss the January 15th deadline and you could be without coverage for most of next year, unless a qualifying life event gives you an earlier opportunity. Here’s everything Virginia…

What if your next career wasn’t just another job? What if it gave you the freedom to build something that was truly yours? The Stern Team, is looking for a few motivated people who are ready to learn, grow, and make a real difference while building a rewarding career in the insurance industry. We are…

Every year between October 15 and December 7, Medicare beneficiaries across Virginia have a window to change their coverage for the following year. Miss it and you’re locked in until next October — even if your plan raises its premiums, drops a drug you depend on, or quietly removes a specialist you’ve been seeing for…