Insurance Archive

A life insurance policy is often provided by an insurance company which will allocate a limited amount of funds when an individual who has been insured passes away. The amount of money that is allocated …

Many people mistakenly assume that if they contract a medical condition they will not be covered by their life insurance, but that’s not necessarily the case. It is possible to obtain high-risk policies that take …

Health insurance is complicated to understand. Policies come in a wide variety of shapes, sizes, colors and flavors and they all seem to be designed to confuse the average consumer. If you are interested in …

Life happens and damages and losses can and do occur to renters’ personal property.  The owner of the rental property is required to have insurance to protect his losses caused by damage to the building.  …

The probability your homeowners insurance will be needed for protection from a) burglars, b) fire, c) weather, d) vandalism or e) any other event depends on 1) what neighborhood you live in, 2) electrical wiring, …

A home is one of the largest and most meaningful investments a person can make. Most homeowners understand the importance of having a homeowners insurance policy to cover the costs of rebuilding a house and …

How much of your own money would you like to borrow? Sounds silly doesn’t it? Borrowing your own money! But that’s exactly what we’re talking about when we say borrow money against your life insurance …

Travel health insurance is something that many people overlook when they go traveling. This is a mistake as not having travel health insurance can lead to travelers owing thousands of dollars in medical fees.  What …

When one thinks of insurance (any kind of insurance), one must think of it in terms of gambling.  If this is the mindset, it makes understanding how rates are set for premiums on various forms …

If President Obama’s government healthcare is so great why are the costs of healthcare insurance continuing to rise? Have you looked at your healthcare bills lately? My wife works as an accountant for a large …

Is the price of AAA membership worth it? That all depends on the member. For those whose main concern is roadside assistance, a AAA card is a form of insurance. Chances are you won’t need …

Alcohol and drug testing is not currently required by any laws to issue an insurance policy. However, this type of testing may be performed when there is an automobile accident. Some insurance companies may be …

Health care fraud is a multi billion dollar business. Fraudulent businesses are set up around the nation and employ creative criminals who bilk both young and old alike out of their money. From unnecessary procedures …

Having a fire destroy your home is a devastating thing to endure. While having insurance is a blessing, the companies have the potential to make a bad situation ten times worse once they get involved. …

YOUR MEDICAL INSURANCE CLAIMS HAVE BEEN DENIEDNow what? Take a deep breath. A bit of insight and some busy work will help you resolve most claims disputes much more quickly that you would guess. As …

Owning a home is one of the most satisfying experiences a family can have, but owning a home can also expose you to insurance liabilities. There are a number of common hazards that can endanger …

It’s a must have for anyone driving. And yes, it’s expensive. But auto insurance doesn’t have to take you for granted. Many people are victims of obnoxiously high rates and figure there’s little to nothing …

Perhaps one of the most overlooked things by the college student is renter’s insurance. Most students think little about this. The idea is to simply save money or they may believe they don’t have a …

When a divorce is the sole reason for a change, no one wins and the outcome can have drastic repercussions. Unfortunately, one of the most important changes to a family or couple is the final …

With all of the modern problems in the world, when someone is preparing to travel overseas they may be worried that the worst could happen to them. While we don’t like to think about such …

As a licensed insurance producer, I often get asked the question: What is contents coverage and how much do I need? The easiest way to describe content coverage is if you turn your house upsidedown …

Today’s Life Insurance is a whole new world……It was once both very difficult and cost prohibitive to buy Life Insurance in your later years. However in the past few years, the market for LI in …

Auto insurance is a required expense for almost all car owners. In most states, you cannot legally drive a car without auto liability insurance. In some states, you cannot even register a vehicle without providing …

Homeowners insurance can take a pretty big bite.  If you’re smart about it, though, there are plenty of ways to keep your insurance costs down. 1.  Factor in the price of homeowners insurance when valuing …

For a short time I was in the business of selling life insurance. We were told to do what it took to get the sale. When it comes to life insurance, different people should buy …

Insurance is a risk-management tool. However, insurers are in the business of insurance as a going concern and to make a profit. They are not inclined to insure every risk that people or entities may …

Traditionally, home warranty insurance was a product offered by a seller who wished to gain an extra edge over his competition. In recent years, however, home buyers and even home owners in general realized that …

Most people will take out some form of insurance in their life for protection and peace of mind. Insurance is an important form of protection for your health, car, life, business and possessions among others. …

Even in the wake of President Obama’s Affordable Care Act, healthcare costs rise, costing more and more Americans an increased portion of their paychecks. Yet, even in the wake of an act designed to make …

Homeowners insurance provides protection against financial losses resulting from damage or destruction of the home as well as loss of the home’s contents or use and limited accidental liability coverage.  Though it is a legal …