Insurance Archive

This is your credit habits which the insurance companies use in determining whether they’ll provide you with insurance and how much you’ll pay? Insurance companies have traditionally used many factors in determining how much of …

While insurance is a useful tool for risk-management, it is not one that should be purchased through fear instead of rationale. Some insurance plans can be considered essential, while others are garbage cans for your …

Auto insurance rates are based on a variety of factors, but driving history is the biggest factor in determining the amount someone will pay as their premium.  This means that people with a history of …

Parents should be responsible for paying their child’s auto insurance due to the number of risk factors facing teen drivers.  Assuming parental responsibility for a child means that parents do whatever it takes to ensure …

Finding suitable insurance at a reasonable price is a headache – so many companies and different types of policies and cover. And sometimes it’s like getting blood out of a stone getting a straight answer …

Depending on your source, there 45 or 47 million Americans lack health insurance . . . give or take a few million. The sheer magnitude of the problem suggests that temporary measures or expedients won’t …

Do you need a personal umbrella liability policy? You should make thedecision based on how much you have in assets or income that you wantto protect. Consider your house, your income, your retirement andother savings, …

There are many myths surrounding the application process of disability income insurance, and it’s about time some clear thought is applied to the subject!  Disability income insurance is what some people have to apply for …

An annuity contract is an exchange of a single premium or a series of premiums for a single payout or series of payouts. All annuities have a payment period and a payout period. The nature …

The short answer is no. The long answer is that the government should provide basic and necessary medical care to all people if at all financially possible for the country. The difference between basic and …

Insurance companies have paid particular interest to dogs in recent years and have worked at field underwriting all Homeowners and Renter’s policies for dog exposures. Their main focus is to eliminate exposure to severe losses. …

Shopping for auto insurance can be a time consuming and somewhat frustrating process. This of course can be made worse when you really don’t know what you are actually shopping for. Without knowledge of the …

If you own an apartment house or other commercial building, be sure to check your insurance coverage with a fine-tooth comb, at least once a year, when the policy renews. This check becomes more important, …

In a down economy, people are looking to cut costs on anything that can possibly be reduced. One great way to reduce your monthly bills is to cut the cost of car insurance. One of …

Life insurance is a type of cover that pays a lump sum to a beneficiary or beneficiaries nominated by you, on the event of your death. It offers peace of mind that your loved ones …

First Apartment? Think: Renter’s Insurance Maybe you spent your college days (or college haze) in a dorm or a frat house. Perhaps you did rent an apartment with ten of your closest friends. But now …

It is important to have health insurance, but it is also important to do research to find the plan that is right for you and your family. There are some things to consider when purchasing …

Today there are so many different types of insurance plans available. If everyone weren’t on a budget, you could protect yourself for all of life events with life insurance for a premature death, health insurance …

Having auto insurance is very crucial for every car owner because of the various benefits that come with it. If you own a car you definitely need to have auto insurance. There are several ways …

Actually, it is the law in many places that insurance companies must inform you that your premium is affected by your credit score. However, as an insurance agent, I found that very few people pay …

Renters insurance is a valuable resource when it comes to peace of mind for renters. Renters insurance can give added protection for r investments and personal property during times of a natural disaster or even …

“Churning” and “Vanishing Premiums” are two terms typically used to describe unethical practices by an insurance agent. Neither are industry condoned, and most insurance agents, if conducting such practices, would lose their license or be …

As boomers move up into that ‘retirement’ age, where their parents probably started to fail, they are concerned about their future. Often we ‘hedge our bets’ by buying insurance ‘just in case’. To cover all …

Is jewelry covered under your homeowners policy? Well, the short answer is yes, but to what extent is it covered? The coverage for unscheduled jewelry is usually low, generally ranging anywhere from $1,000 to $2,500 …

An annuity is a contract you make with an insurance company, the main advantage of which is tax-deferred growth of earnings.  Annuity contracts are issued by life insurance companies. In the deferral phase of an …

Men are apt to overlook travel insurance, which often means it’s up to the woman in their life to ensure that sense prevails with adequate travel insurance purchased! That said, nobody particularly likes buying insurance. …

According to a recent U. S. Census Report (August, 2008), the number of uninsured Americans has only decreased 1 million from the 46.6 million a mere three years ago, which reduced that dire statistic to …

Loss notifications should always be made to an insurer as soon as possible. There are many reasons for this which including the need for car rentals or emergency lodging after a loss, the time it …

Many people are finding themselves in need of a good health insurance policy. Without health insurance, any medical problem that may arise can result in thousands of dollars in medical expenses bestowed upon you. Health …

Non Medical Life Insurance is also known as the no exam life insurance. This policy acts as a protective policy for an individual even though they have not been diagnosed with some disease. With the …