Adequate insurance is not a luxury; it is a necessity. Unless you are among the independently wealthy and can afford significant losses due to illness, theft, disaster, car accidents or an unexpected death in the family, insurance is a necessity of modern life. Even the wealthy protect their jewelry, homes, cars and larger assets with insurance against loss […]
Why Insurance is Not a Luxury Read More »
None of us wants to think about getting old, but while a few things improve as we age, life insurance premiums are absolutely not one of them. As you get older, life insurance companies consider you a greater risk because, obviously, there’s more liklihood that they’ll have to pay out on a policy than if you were 30 years old. Let’s
Life Insurance Over 50 Read More »
Editor’s Note: Although they sound alike, Private mortgage insurance (PMI) and mortgage protection insurance (MPI) are two entirely different types of insurance created for vastly different purposes. What is Mortgage Protection Insurance (MPI)? Mortgage protection insurance is essentially a life insurance policy designed to pay off your mortgage in the event of your death so
Mortgage Protection Insurance vs Private Mortgage Insurance? Read More »
Life Insurance Medical Exam Except for a very small subset of life insurance policies (no exam policies) virtually anyone who applies for a life insurance policy will be required to undergo a medical exam. Obviously, the insurance company wants to make sure they understand your health condition before they price the life insurance policy. As
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Business Insurance When it comes to running a successful business, insurance is rarely on the top of your list of priorities. There’s always a lot of other things to organize, especially if you’re trying to grow the business or seek out new clients and contracts, however, you shouldn’t let manufacturer insurance stray too far from your thoughts. There are
Is Business Insurance on Your Priority List? Read More »
Cheap Home Insurance Home insurance is something you can’t really afford to be without. Every year when you renew your insurance, you hope that you won’t need it. You’d certainly rather pay for something you don’t need than be without home insurance if you need it, for instance if your house is burgled or damaged
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Car Insurance Terminology If you have never purchased car insurance before, the process can be confusing. There are numerous different types of car insurance and it is important to understand the terminology before looking for rate quotes. Depending on where you live and how you purchased your car, you may be required to buy a
Car Insurance Terminology for Newbies Read More »
Long Term Care Insurance For the first 32 years of my life, I gave absolutely no thought to long-term care insurance policies. By the time I turned 33, I was thankful my grandparents had the foresight to purchase a policy. Both were diagnosed with probable Alzheimer’s disease, and my father, their only son, was struggling with cancer and dementia
Why Do I Need a Long Term Care Insurance Policy? Read More »
For Father’s Day How valuable is your Dad? On mother’s day back in March, we asked you how valuable is your mum and shared a neat infographic showing just what our mums do for us. With father’s day just around the corner, we wanted to reverse the roles and ask how valuable your dad is.
How Much is a Dad Worth? Read More »
Health Insurance Policy Politics One of the hot button political issues of the day is health insurance. Personal responsibility is a big issue in the current debate on Healthcare Reform. One side believes that the cost of healthcare should be spread evenly among everyone. Which sounds fair and reasonable if everyone took care of themselves
Navigating the Politics of Health Insurance Read More »
Teen Car Insurance Teenagers are statistically more likely to be involved in a car accident than any other group of drivers. Because of their increased risks, teens are more expensive to insure. Unfortunately, that usually means that their parents are stuck with high premiums for several years until the teen leaves home and begins paying
Teen Car Insurance Discounts to Save You Money Read More »
Is Life Insurance For Everyone? In today’s economy and society, life insurance can be a necessity. Unfortunately, about 40% of American families don’t have individual life insurance. But for families living on the edge financially, life insurance is especially important because if the family was struggling financially with the primary money earner how much more will it struggle
The Life Insurance Safety Net Read More »
