Insurance Archive

Millions of Americans everyday turn to the Web to research and buy life insurance. They like the convenience of seeking the information at any time, the abundance of information available, and the ability to compare …

A person can never expect to make it through life without ever being injured, but there are certainly precautions we can all take to make our homes a little safer. Here five likely hazard areas …

In a very real way, everyone who pays premiums on an automobile insurance premium IS a victim of insurance fraud.  An extreme view, granted, but the insurers must compensate for losses to fraud, as well …

Medicare supplement coverage has often been confusing to the elderly and their caregivers. Should one choose to join an HMO or PPO? Should one purchase one of the 10 standardized policies? Once the final decision …

Insurance coverage, although extremely beneficial, can require a significant investment. Florida individual health insurance is no exception. However, the risks of not having insurance can be quite substantial. If you are uninsured, and suffer a …

Life insurance plays an integral part in an individual’s financial plan. The first time consumer has several important factors to consider before purchase of a policy. As with any financial tool, a needs-based analysis will …

You need to have sufficient homeowner’s insurance to safeguard against loss. How do you know if you have the right amount of homeowner’s insurance? Take a few moments to review your current policy and understand …

When I was a trainee underwriter back in 1985, a mid-level manager, “Mr. H.” once told me, “Insurance coverage is kind of like luncheon meat. Almost everyone has purchased it at one time or another. …

Health insurance is a life and bank account saver that allows customers to pay for their health care, whether they need it or not. The odds are that having paid for health and preventive care …

Homeowner’s insurance is a necessity and mandatory for most homeowners. It will automatically cover the home against fire, theft and most natural disasters, but there are important exceptions. Choose the correct coverage for homeowner’s insurance …

Comparing Michigan auto insurance online will ensure you are getting the best coverage along with the best deals. Comparing rates online has never been easier, and it could save you hundreds of dollars on the …

The principle of indemnity is the cornerstone of general insurance contracts. In the broadest sense, indemnity is compensation. However, in the context of insurance, indemnity is much more than that. Measurement of loss is critical …

Umbrella liability insurance is insurance that kicks in when your regular insurance – homeowners, automobile, renters, etc. – maxes out or doesn’t cover something.  It is not to be used instead of regular liability insurance, …

With long-term financial products like annuities, it is important that your annuity provider remains a going concern. However, this is not always the reality. Annuity providers can fail- despite the best efforts of regulators and …

My husband and I need to store a majority of our items in a new facility. The place we have our items in now will deliver them for free. So we thought we would get …

Auto insurance claims in Canada and the U.S are mostly covered under comprehensive, Collision and Liability coverages. Comprehensive coverage covers losses arising from, among other things, fire, theft, vandalism, and impact from flying objects. These …

Your career is a direct result of hard work and a substantial investment of time and money. Doesn’t it make sense to fully protect it? A disability could render you helpless by taking away the …

I have some bad news for you. Filing a claim of any type will typically raise the premium on your homeowners insurance. Whether it is due to your negligence, or to your son’s German Sheppard. …

Homeowners insurance can be expensive, but unfortunately for most people it is one of those “necessary evils” for protecting what is probably their most valuable asset. The home often represents an individual’s primary method of …

Auto insurance can be very confusing, especially for first time buyers. Many different types of coverage is available to protect your most important investment. Knowing the types of coverage available can help you make a …

For the average consumer in need of an insurance policy, regardless of the coverage type, the task of researching and obtaining appropriate coverage can be extremely overwhelming, especially when that consumer has no existing relationship …

Patients consume health care but they don’t pay the bills. Health insurance is so expensive in America because third parties, the real customers (insurance companies, employers and the government) pay the bills and make decisions …

Having been an underwriter in the insurance industry for over thirty years, I’ve found more carriers rely on information from credit history as a method of determining acceptability of a client or the premium charged. …

Whether you just purchased a home, are in the process or have been a homeowner for years, there are many steps you can take to ensure that your home remains that safe haven for your …

Most home owners don’t need to think twice about investing in homeowner’s insurance. When renters come into the equation it’s not so readily granted. The majority of mortgage companies demand that homeowners be covered by …

Identity Theft, many of us find out that someone we know or ourselves are affected by it. A big question many people as is why? Well because technology can be great but it’s also filled …

Living on a fixed income is difficult. When living with a limited amount of resources, finding the biggest bang for your buck is not only wise- it’s necessary. There is good news. As an individual …

How much money do you normally spend annually on health care? If your family is included in your insurance plan, a health savings account may be a great option for you. However if you are …

The term underwriting is derived from the early days of maritime insurance when those willing to take on an insurance risk wrote their names under the risk information. Underwriting is the process of providing cover …

When faced with monthly bills for utilities, the cost of running your home, property and contents insurance, food and other necessities, it can be overwhelming. It may therefore be tempting to forget about adding pet …