Insurance Archive

Where life insurance is concerned, under-insurance is risky and over-insurance is financial profligacy. Having ‘enough’ life insurance cover can save you thousands or tens of thousands of dollars in the end. The question of “How …

Renters insurance provides protection against personal property loss and liability. So when something happens to your stuff you have some monetary backup to help you out. And, of course, if something happens to someone else …

You need to do a little more than pay the premium and keep the documents in a safe place if you want to ensure you’re fully protected when you take out an insurance policy. And …

Insurance industry insiders sometimes refer to life insurance as ‘love insurance’. Any other form of insurance may benefit the insured while the insured is living. However, life insurance is not for the insured, but beneficiaries. …

Missouri requires all registered vehicle in the state to carry minimum amounts of liability insurance at all times. The minimum amount of liability insurance coverage required to satisfy Missouri’s Financial Responsibility law is 25,000/50,000/10,000. This …

Annuities are a financial planning tool that come in a variety of types and strategies, designed to maximize distribution of funds in a tax advantaged manner. It is probably one of the least understood and …

How to buy life insurance: The death of a family member is a heartbreaking event, the last thing that the surviving family needs are the financial stresses that can result from the loss of a …

Renter’s insurance, like auto insurance, gives you protection against damage or loss to your personal property.  Your landlord should provide insurance against the damage to the physical structure, but your belongings inside the building are your responsibility.  …

These practical tips for dealing with your insurance company after an accident will help reduce your anxiety during what might be the most stressful time in your life. AT THE SCENE OF THE ACCIDENT First …

“…Medicare has been a boon to the elderly and their children. Surveys show that beneficiaries are overwhelmingly satisfied with their care. Before Medicare, only 56 percent of the elderly had hospital insurance; the program has …

Virginia drivers are required by law to carry minimum amounts of auto insurance at all times to stay legal in the state. It only makes sense to find the best possible deals on auto insurance …

Choosing a car insurance company is an important financial decision. When you go shopping for car insurance, it is important to take into consideration the financial strength and stability of the insurance company prior to …

Life insurance debt arises out of life insurance withdrawal/loan provisions. Therefore, life insurance debt is a function of permanent life insurance (also known as cash-value life insurance). The concept of life insurance debt can be …

Today’s economy is in critical condition. Almost anyone you ask will agree. Businesses are downsizing, while job seekers are coming up empty-handed. Those that are unemployed lack so much more than a salary. To lose …

Home safety is a serious issue. According to the most recent statistics from the U.S. Centers for Disease Control and Prevention, accidents or unintentional injuries were ranked as the fifth leading cause of fatalities in …

Almost everything these days is insured. There’s automobile insurance, health insurance, travel insurance and a whole lot more. Did you know that you could also insure your computer? Yes, there are certain cases when people …

The term “assurance” is not commonly used where risk management concerned. What has happened is that “assurance” has been unofficially incorporated into the “insurance” concept. As time goes by, meanings tend to change or one …

Long term insurance is available for people who will be diagnosed with extended physical illness or conditions, those with disability issues, or who suffer from cognitive disorders. There are a variety of services that accommodate …

Accidental injury or death can easily happen in any home where the proper precautions haven’t been taken care of. There are many common injuries that have been deemed acceptable, such as burns or cuts in …

Comparing Texas auto insurance online is the best way to get the best deals on the state required coverage as well as the many other policies that are available. Quotes are provided online free of …

Whether you bought your car off the showroom floor this year or 25 years ago, one thing does not change: you still need to carry insurance on it. How much and the type of insurance …

The development of the Universal Life (UL) plan added more scope to life insurance. Whole Life plans operated with cash values that significantly lagged behind the accumulated premiums. The Universal Life plan is unique in that it …

Like most U.S.states, New York has imposed laws requiring auto insurance to be carried on any registered vehicle in the state. Auto insurance is put in place to protect individuals in an accident, and it …

You’ve probably seen them on the net in the form of banners, pop ups, email blasts; “Save $XXX’s on Healthcare/Vision/Dental/Prescription Drugs/Whatever with XYZ discount plan”. They’re somewhat enticing, especially if you have these expenses. They’re …

If you like to save money, comparing auto insurance rates is a great way to save hundreds of dollars every year. Unlike days of the past when comparing auto insurance rates meant tons of repeated …

Every year I shop on line for my car insurance. Before I renew I check as many insurers as I can. Just because your provider was the cheapest last year, it doesn`t mean that it …

Renters are not usually required to carry property insurance, but they face the same potential for loss of possessions as any homeowner and should make sure they are protected in case disaster strikes. The cost …

Term insurance is one form of financial protection that is both loved and despised. Some financial advisors advise that it is best to invest the difference between high-premium cash-value plans and low-premium term plans in …

If you are a self employed individual, a business owner, or someone who doesn’t receive health benefits as part of group coverage at work, you probably know that buying insurance on the open market is …

Life insurance underwriting is about risk assessment just as life insurance is about risk management. The premise for underwriting does not arise from the mere existence of risk, but from the reality that all risks …