Insurance Archive

How to Determine Auto Insurance Deductable

An insurance policy tends to be a fear-based purchase.  Buyers wonder what would happen if they totally destroyed their brand new car.  They compare the cost of the insurance with the cost of buying a new …

Insurance Mistakes to Avoid

When shopping for insurance, it is important to be careful. Many people make mistakes when shopping for a policy or after they have purchased an insurance policy. Be careful to avoid these mistakes when shopping …

Factors that Affect Life Insurance Rates

Life insurance premiums are affected by a number of distinct factors. Life insurance is a wager in which the insurance company offers a payout – the sum insured – for a premium – the wager …

Variable Annuity Disadvantages

A variable annuity is an insurance contract that facilitates investments in moderate to high-risk mutual funds, often with no base guarantees. It pairs the characteristics of an annuity with those of risky mutual funds. Variable …

Life Insurance Loan

Life insurance policies that have ‘cash value’ can be borrowed against. These policies are structured so that a portion of monthly premiums are invested in financial instruments which build value over time. The amount of …

Basics of no Medical Exam Life Insurance

The definition of a no-medical-exam life insurance simply means that you may purchase a life insurance policy without having to undergo a medical exam before the policy would be issued. On the other hand, if …

Homeowners Insurance Myths

There are many myths surrounding homeowner’s insurance, and belief in these myths have caused many homeowners to find themselves either underinsured or completely without coverage in the event of a claim. The best way to …

Pet Insurance Policy

Are you always worried about the health of your little pet? Even if you protect your pet from all dangers, you never know, it might fall sick for which you might have to spend huge …

Life Insurance Tips for Seniors

5 Ways Life Insurance Settlements Can Improve Your Life Today If you’re a senior that owns a life insurance policy that is no longer needed, it’s probably costing you money that could be spent on …

Questions not to ask your Agent

Great topic! One big question you should never ask is: “should my 17 year old be listed on the policy?” if you mention him/her the agent has an obligation to list them on the policy …

Guide to California Auto Insurance

California law specifically requires any automobile being driven must have auto insurance, however how much is enough? Minimum requirements for California are $15,000 for individual bodily injury, $30,000 bodily injury total for both you and …

What you need to know about Medicare

Medicare is administered by the US Federal Government and you must be 65 years old or disabled to receive benefits. Medicare doesn’t pay all of the costs associated with doctor visits or hospitalization and you …

How much Insurance do you need

Life insurance is very important, both for you and your loved ones. It is designed to provide protection just in case you lose your income generating capacity either through accident, health issues or death. However, …

How to Purchase Identity Theft Insurance

Identity theft insurance has come about over the past few years due to the incline in identity theft cases.  Every one in twenty three Americans will become a victim of identity theft each year.  With …

Why Renters should get Renters Insurance

If you rent your home don’t make the mistaken assumption that your landlord’s insurance will cover any potential losses you suffer, as it won’t. The landlord’s insurance will cover the structural side of the property …

Overview of Cobra Insurance Coverage

Congress passed the Consolidated Omnibus Budget Reconciliation Act, commonly called COBRA, in 1986. The act amends certain other laws, in particular the Employee Retirement Income Security Act (ERISA) to make group health coverage available to …

Why Buy Renters Insurance

When trying to find a new home for you and your loved ones, one of the first things that you consider is the safety of the location that you are looking at. If the safety …

Six Types of Insurance to Avoid

Insurance is a monthly expense for most of us. Whether it is auto, home or renters insurance it is always there for us to consider. However, there are types of insurance that you should avoid. …

Life Insurance for Young and Single

Getting a life insurance policy is one of most underrated and misunderstood yet very important financial moves you could ever make. In my experience, people avoid insurance agents because they don’t want to be sold …

Should i Buy Life Insurance for my Child

Should life insurance be purchased for children? The answer depends on whether you are the financial advisor selling the product or the parent buying the product. As with many financial services products, financial advisors are …

European Health Insurance Card

Travelling overseas can be an expensive business if medical assistance is needed. Even those with travel insurance cover can find themselves out of pocket when the excess levied by the insurer is taken into account. …

Basics of Renters Insurance

Some people are under the impression that only home owners need insurance on their home. This is completely untrue. It is very important for renters to invest in renter’s insurance in order to protect their …

Complaints about Variable Annuities

For retirees, or near-retirees, who are interested in tax-deferred growth and a predictable source of income in retirement, annuities are a potential savings method.  Admittedly, these features come at a price, and the annuity companies …

Renters Insurance

For anyone who lives in a rented house or apartment, having renter’s insurance provides the tenant with more than just the security that knowing that if anything happens to their belongings they will be replaced. …

Individual Life Insurance

The good news today is that you can take out your life insurance policy of your choice by accessing the insurer’s website. Gone are the days when you had to depend on your local agent …

Determining Eligibility for Automobile Insurance

Insurance companies that provide policies for individuals various methods to assess their eligibility for automobile insurance. These can include the violations on a individual’s driving history, using a points system, and if there are any …

Guide to South Carolina Auto Insurance

To all those looking to purchase auto insurance in the state of South Carolina. Take a moment to read this article that gives you a guide in purchasing the right policy pertaining to your specific …

Basic Guide to Life Insurance

Sean Jameson is the marketing manager of a large toy manufacturer. He is a family man of 40. His wife Cindy is a part-time assistant at a local supermarket. Their children Cheryl (14), Adrienne (12) …

How to Find a Good Insurance Company

Most people need insurance for one reason or another. There are drivers, homeowners, renters, life insurance policies, medical, dental and other insurance needs that a person can have a need for. Not all insurance companies …

Why Landlord Insurance is Important

Being a landlord typically means hefty monetary responsibility, property considerations and a sharp uptick in personal liability. If a property or unit is managed improperly, tenant fees, building charges and unforeseen property damage could put …

Guide to Missouri Auto Insurance

Missouri requires that all automobiles registered must be covered by standard liability coverage. At http://www.dmv.org/mo-missouri/car-insurance.phpit is simple for Missouri drivers to obtain up to five quotes from leading insurers to ensure that you are getting …

How to lower your auto insurance costs

There are many changes taking place in the auto insurance industry these days all to benefit you, the client. The world wide web has been the biggest factor in changing an industry that used to …