Insurance Archive

Most of us never take the time to find out what life insurance policies that our loved ones have. Once they have died, it is almost impossible to determine if we have all of them. …

Buying a new car is a significant investment. Many people buy new cars to improve gas efficiency which can save money. However, one thing you should consider before purchasing a new car is how it …

After your business suffers a loss that disrupted your operations you need to quickly take action. A few simple steps can get you back in business as quickly as possible. 1. Take inventory. Get your …

Pre-existing conditions in insurance are used as an additional layer of underwriting for an insurer selling in the individual market. With most individual health products there is some level of underwriting. The underwriting can be …

HSA refers to a Health Savings Account, and is a good plan for some people. Users who have a high deductible health plan can deposit money into the account, which can then be used for …

College students who are living off campus may not consider purchasing any type of “property” insurance while renting an apartment or home. This is not unusual as many people, not just college students, often think …

Reducing your auto insurance premium. Auto insurance companies offer numerous discounts to their customers in order to maintain their competitiveness in the auto insurance market. Consumers should check to see what discounts are available to …

Car insurance is one of the biggest expenses of owing a car. There are a few ways you can reduce the cost of your policy. Maintain a good driving recordTickets and accidents will drive your …

Let’s face it. Our entire health care system needs an extreme makeover. Step one is stop making businesses paying for it employees health insurance. This is extremely disadvantageous to both the companies and it’s employees. …

The standard sections of a homeowner’s policy are the property and liability sections. Each has several components and as well as policy forms that affect what they cover. Section I is the property section. It …

No. The fact is children and students should not be guaranteed government health and dental coverages equal to what the prisoners receive. Children and students should receive health and dental that far exceeds what our …

Personal liability insurance coverage is basic insurance that caters for homeowners, tenants and auto related coverage which usually carries liability provisions. The coverage under this type insurance includes the actions or lack of taking any …

Remember the days when you had to actually make yourself presentable and drive over to your insurance agent’s office to apply for an auto insurance policy? Even if you could get a price over the …

There are few certainties in life, but one sure thing is that we’ll all eventually die. With this in mind, purchasing life insurance can be of ultimate importance, especially when you have dependent family members …

If you go to your local insurance agent and purchase coverage on your car, your house, your health or your life, the practices of your agent and your company are generally regulated by your state’s …

Insurance companies have different methods to calculate the premiums that people pay for life insurance. The most common methods are using the smoker status of an individual, their body mass as well as their age. …

The factors which affect renter’s insurance rates are similar in nature to those of any other insurance policy.  The primary factors which influence the annual premium of a renter’s insurance policy are the inherent risk …

A sure thing is a smart choice. Balancing risk, avoiding loss, gaining benefits is the game. However, risks or not, the unexpected happens. Insurance helps. Not owning your home, renters may not expect insurance needs; …

 Auto insurance is a benefit to the consumer, offering protection in the event of an auto accident. Auto insurance can help pay expenses such as doctor or hospital bills or car repairs.All registered vehicles in …

HMOs, PPOs, FSAs. Medical jargon has been around a long time. And now one of the latest acronyms – HSAs – has cropped up almost everywhere. But exactly what is an HSA? HSA stands for …

If a senior has an extended stay in a nursing home, it can financially devastate them and suck up all of their assets. Living in a nursing home costs tens of thousands of dollars a …

Mortgage protection is a major component of a life insurance needs analysis. By no means is it the primary reason for acquiring or keeping a life insurance policy. There are several other components of a …

Renter’s insurance is a type of insurance that protects personal property. When personal items are stolen, it is beneficial to have renter’s insurance because it will cover the cost of these valuable items. Although renter’s …

The idea that government has to provide health care for people is just plain crazy. Can you imagine how many people in this country are abusing their bodies? The abuse of alcohol, recreational drugs, cigarettes …

Like it or not, if your home is flooded as a result of rising water, due to a river overflow or a rise in the level of an ocean or a lake, if you do …

Insurance of any kind is acquired for the simple reason that it gives peace of mind. It is for the times we didn’t expect something to happen but that could happen to anyone at any …

With the expense of car insurance you may be looking for ways to cut your premiums. There are pros and cons to consider about collision insurance.  Most states require you to have at least liability …

Bad things happen to everyone. For that reason, insurance companies came into being. The idea being is that the losses of the few is paid for by the many who also purchased the same kind …

We are a society of spenders and as credit card debt has increased from $8,000/person to $13,000/person in the past 4 years, or 16% annually, the need for life insurance is greater than ever. This …

That ‘new car smell’ can really be intoxicating, but the difference in the insurance premiums for a used car and a new one can do a lot to shake you out of your reverie. How …