Video education

Short videos to make insurance and annuities easier to understand.

Watch plain-language explainers from Network Insurance. More videos are coming soon.

What is a deductible?

A deductible is the amount you may need to pay for certain covered services before your plan starts sharing some costs. Compare it alongside the premium, provider network, prescriptions, and out-of-pocket maximum because plan details vary.

What is an out-of-pocket maximum?

Your out-of-pocket maximum is the yearly limit on what you may pay for covered, in-network care. It generally includes your deductible, copayments, and coinsurance, but not monthly premiums or certain other charges.

HMO vs. PPO vs. EPO

Learn how HMO, PPO, and EPO plans compare across provider networks, referrals, flexibility, and cost-sharing rules.

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Copay vs. coinsurance

Transcript placeholder: compare flat fees and percentages.

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Can I keep my doctor?

Transcript placeholder: explain provider network verification.

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Marketplace financial assistance

Transcript placeholder: explain projected income and household size without guarantees.

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Private vs. Marketplace coverage

Transcript placeholder: explain that suitability depends on eligibility and needs.

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Prescription formularies

Transcript placeholder: explain drug lists, tiers, and pharmacy networks.

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Term vs. whole life

Transcript placeholder: explain duration, permanent coverage, costs, and goals neutrally.

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How much life insurance may be needed

Transcript placeholder: explain income, debts, mortgage, family expenses, and existing coverage.

Final expense insurance

Learn how final expense insurance may help families plan for funeral and end-of-life costs, with benefit amounts, eligibility, pricing, and policy terms varying by carrier and policy.

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Indexed universal life basics and risks

Transcript placeholder: explain index-linked crediting, fees, caps, assumptions, and non-guarantees.

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Fixed annuity basics

Transcript placeholder: explain declared rates, surrender periods, liquidity, taxes, and carrier guarantees.

Fixed indexed annuity basics

Learn how fixed indexed annuities may credit interest using index-linked formulas, with contract rules such as caps, participation rates, downside protection, and limitations.

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Annuity income riders

Transcript placeholder: explain optional riders, fees, income timing, payout rules, and why contract details matter.

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Accident coverage

Transcript placeholder: explain covered accidental injury benefits and limitations.

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Critical illness coverage

Transcript placeholder: explain covered illness definitions, benefit triggers, and exclusions.

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Hospital indemnity

Transcript placeholder: explain fixed benefits and why it is not comprehensive medical coverage.

Disability income protection

Learn how disability income protection may help replace part of your income after a qualifying disability, subject to waiting periods, benefit periods, definitions, and exclusions.