Insurance Archive

Health insurance can be confusing, but there are some definitions you should know. By knowing some of the terminology, it will help you in selecting the best coverage for you and your family. The amount …

You do not have to wait to get on a government website to get health insurance. There are a number of reliable websites written by health insurance experts that will tell you all you need …

When you purchase a home, one of the additional costs you will have is homeowners insurance. It is important to have adequate insurance coverage so in the event of damages, you will be able to …

The world is a dangerous place. And the insurance that covers you at home, probably does not fully cover you abroad. Of course, these days you can insure anything, anywhere, anytime. That includes you and/or …

Every aspect of our lives contains some element of risk, be it our work, personal or family life. Some of these risks may be insurable, others may not. Insurance can be prudent in certain circumstances, …

The right of subrogation is an important general insurance principle, which ensures that the concept of indemnity is upheld. Subrogation is essentially the right of a legal entity to stand in place of another, if it indemnified …

There are quite a number of different circumstances that raise car insurance premiums. An example of such events include driver-fault accidents; these will raise your premiums by the next renewal date. However, should your no-claims …

Term life insurance, or term insurance, is life insurance which covers the bearer for a specified period of time, or term. A term can be virtually any length of time, but typically, term insurance policies …

Every homeowner should be well aware of the common homeowners’ insurance exclusions before purchasing one. It is your right as a homeowner to fully understand what the home insurance policy entails and also know what …

Umbrella liability insurance is a sort of add-on to regular insurance that covers much larger, and much less likely, loss.  It is insurance that kicks in when your homeowners, automobile, renters, corporate liability, and other …

You are greeted by a rather spindly man who has a great smile and precise diction. He introduces himself to you and ask you, “Are you properly insured?” You say “yes”. After all you and …

Individuals with speeding tickets on their own records can expect their particular on-line car insurance rates to become greater than they might do without the breach. No one wants to receive excessive on-line car insurance …

Define Insurance Need There really are three areas for consideration when defining insurance need. First an individual needs to accept what legal limits exist, what risk someone can afford and finally what risk would bring …

What would you do if you lost your health insurance? More and more people are finding out. Living without health insurance is a problem that people face when they lose their job and then can’t …

In the United Kingdom floods are becoming more and more common. This might be because our winters are becoming wetter, or it might be because of bad environmental management. Whatever the cause, more and more …

You may not have chosen an insurance plan yet because it can be quite annoying and confusing. But here are helpful tips for you understand more about Medicare. Medicare Part A covers mainly hospitalizations, so …

Liability coverage has nothing to do with the structure or contents of your home, rather it is the coverage that protects you from having your home and property attached in lawsuit if someone is injured …

From the perspective of Shari’a (Islamic Law), Takaful is a cooperative venture that involves a group of people who pledge to support one another through monetary compensation in the event of a catastrophe.   This is …

Some policies are better than others when it comes to borrowing against the cash value or CV of the policy. Some policies have “preferred” loans and wash loans, and yes the money doesn’t actually come …

It is always wise to have some sort of insurance coverage as an individual or a family. There are several insurance coverage packages which you can choose from to meet your health care needs. One …

Diversification is a well-known strategy for reducing the risk inherent in financial products. By spreading money around in different instruments you can minimize your exposure to any negative impact that may arise if one particular …

The most important consideration when shopping for homeowner’s insurance coverage is to insure according to replacement value, not fair market value. While the house itself might appreciate, your belongings, unless collectibles, will certainly depreciate and …

Many things influence the price people pay for renters’ insurance. The age and location of your building affect insurance cosrs. Renters’ insurance pays to replace your personal property like clothing, electronic equipment and furniture if …

A financial plan can be divided into two major categories; protection products and accumulation products. This division is not arbitrary. The two categories serve different roles, but they also complement each other. Protection products are …

When comparing a whole life insurance policy to term life insurance, you will find that term life insurance will make a better investment. A term policy will provide life coverage only. This term policy will …

Understanding what a formulary is on your health insurance plan is an important part of understanding the important nuances of your health insurance. If you do not understand the workings and reason of the formulary …

When you own a home, you must have homeowners insurance to cover any accidents or disasters. The premiums are based on the amount of coverage you have, but over the years your coverage limits may …

The price of renter’s insurance varies depending on several factors.  These factors are  1. Which coverage you buy,  2. How much coverage you buy,  and 3. How much deductible you choose. – Which Coverage You …

Calculating the value of your home for home insurance purposes is not as simple as merely estimating a present market value or reporting the amount you paid for the home when you purchased it. Instead, …

A life insurance (even those that are simple and have little capital insured) has nothing to do with the age of the insured. It is something of superior value and much more important than a …