Insurance Archive

Insurance companies are overseen and regulated by the National Association of Insurance Commissioners (NAIC) and the Department of Financial Services of each state. The federal government is not involved in overseeing insurance companies. The principal …

As the Administrative Assistant, Insurance Department Head, Financial Counselor, and Accounts Receivable person in a small dental office, I have learned much more about Medicaid than I really care to know. From my standpoint, it …

Insurance companies love to accept premiums but hate to pay claims.  Recently, CNN obtained the training manuals for Allstate Insurance.  The training manuals procedures were based on the recommendations of the New York consulting firm …

What Is An Annuity? There are many saving vehicles available today, your piggy bank, traditional passbook savings accounts, money market accounts, certificates of deposit, bonds etc. Many people today still don’t realize annuity products are …

For more than a century, drivers stranded on highways and roadsides because of flat tires, empty fuel tanks and engine problems have welcomed the sight of arriving AAA trucks. The non-profit American Automobile Association provides …

You finally found your dream home in the country with room for your wife’s Doberman to run free. Granted, the house is a bit rough from a small fire. But, the previous owner had his …

For the average person, dissecting their automobile insurance policy is about as easy as reading stereo instructions backwards when written in a foreign language. There are a myriad of different policies, premiums, deductibles and forms …

Medicaid is a federally funded health insurance program in the United States designed to cover necessary medical care for individuals and families with limited incomes or particular life circumstances.  Guidelines vary from state to state …

There are many different factors in determining the lowest term life premiums. If you were to investigate the purchase of a basic term life policy you would need to determine two foremost factors that must …

Life insurance should be your top financial priority if you don’t have any. It’s especially valuable if you own a business, or are thinking about starting a business of your own. Remember, you don’t have …

When you buy homeowners insurance, it is important that you understand what your policy actually covers, before you need to file a claim. The idea behind home insurance is to protect you in case disaster …

When insurers calculate the replacement cost of a dwelling for homeowners insurance they use a specific type of estimator to determine the cost. A replacement cost estimator uses various criteria such as the square footage …

With the ever increasing cost of living we all have to keep a lookout for ways of saving money and reducing your home insurance can be one of the easiest ways to save a few …

Thinking about illness and death is rather morbid and depressing, however it’s a natural occurrence in life. Many people experience an illness throughout their life, and at some point leave this world behind. 1 – …

The great thing about life insurance is that it comes in many different “flavors,” and you can truly tailor your insurance coverage to what your needs are. For instance, if you have 2 children, ages …

Kidnapping and ransom may seem like something that only happens in the Hollywood Blockbuster movies like ‘Ransom’, ‘Man on Fire’ or ‘Proof of Life’ among others. However, kidnapping and ransom does happen around the world. …

People who are self-employed, between age 16 and the state retirement age, and earning over a certain amount, are required to pay National Insurance Contributions (NICs) in the UK. Someone who starts being self-empoyed must …

Just like you need insurance to protect your vehicle from loss or damage, you need coverage to protect your home. That is where homeowners insurance comes in. However, just like your auto insurance policy, it …

It is an absolutely horrible state of affairs when a child dies from an infected tooth because the government rules on coverage are so complex, and care is so expensive, and unavailable. Yet at the …

Title insurance is unique in the insurance industry. Where all other forms of insurance insure against a FUTURE event, title insurance protects against events that occurred in the PAST. This is why you pay continuing …

During this first, and perhaps only term for the Obama Administration, one of the most hotly contested debates that took place was that of Healthcare Reform.  After all, Obama has really touted this as his …

You purchase homeowner’s insurance to protect yourself financially if your home or possessions are damaged. But you also need to protect yourself from lawsuits by others who may be injured or have their property damaged …

Convincing someone to buy a health insurance would not be much of a difficulty specially when considering the huge medical bills received after obtaining treatment at a heath care facility. However, convincing young adults, specially …

I’ve never heard of only “wind” insurance, under most circumstances this is is actually called wind & hail coverage. Until 2006 in Louisiana, wind and hail coverage was included in a homeowner or renters policy. …

A good apartment rental plan covers personal property (from furniture/appliances to small valuables) and protects apartment owners from liability. In other words, it gives you coverage and comfort at a worthwhile price. A good deal …

There are many ways an individual can save money on their car insurance. Some of these include looking for discounts to apply to the policy, modifying coverages and deductibles as well as knowing how the …

The subrogation literally means “the right of one person to stand before the law in the place of another”.   The right of Subrogation is implied in all contracts of indemnity. In other words it …

An estimated $2,262,000,000,000 was spent on health care in the United States of America in 2007. Of that, $776,000,000,000 was paid for from private health insurance, according to information supplied by the Centers for Medicare …

Buying insurance and gambling at a casino share some similar traits.  They are both carefully constructed to make you believe you will win, both only remain in business if you lose and while they are …

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