Insurance Information


7 Misconceptions About Medicare


There’s no way around it: Medicare is confusing. While this government-sponsored health insurance helps millions of Americans each year, it also comes with many requirements, guidelines and questions.

Are You a Medicare Rookie? Pros Can Help You Find Right Plan


Roughly 4.4 million Americans will reach the age of 65 in 2024, according to the U.S. Census Bureau. While age is just a number in some respects, this particular birthday marks the time when Americans become eligible for the federal Medicare health insurance program. And if you’ll be hitting this milestone soon, you’re in good company, as athlete, entrepreneur and philanthropist, Earvin “Magic” Johnson will be doing the same.

5 Tips for Picking a Health Plan This Open Enrollment Period


For many Americans, it’s time to pick a health plan for the coming year, or revisit current coverage to ensure it’s still a good fit.

4 Misconceptions Homeowners Have About Floods


Many people look forward to spring when the weather warms up and flowers start to bloom, but it also marks the start of the peak time of year for flash flooding in the United States.

What to Know Before Switching Your Car Insurance


The pandemic has impacted nearly every industry and aspect of our lives, including automotive production and driving habits.

Considering a New Insurance Plan? If You Rely on Costly Prescription Drigs, It Pays to Read the Fine Print


Over the next few weeks, thousands will select insurance plans for 2022, whether on a state exchange or through their employer.

Don't Be Afraid to Ask for Help During Open Enrollment


On November 1, open enrollment for coverage on the Affordable Care Act's exchanges began in most states. That may be a daunting prospect. A recent survey found that most Americans admit to feeling "completely lost when it comes to understanding health insurance."

Insurance Flip-Flop Hurts Vulnerable Seniors


The vast majority of seniors have at least one chronic condition, and more than two thirds have two or more chronic conditions -- so choosing the right coverage is important.

Open Enrollment is Here. Don't Go Through the Process Alone


It's time to sign up for health insurance. Between November 1 and December 15, millions of Americans will head to Healthcare.gov or the online exchange in their state to shop for coverage for 2019.

Surety Bonds


Surety bonds are responsible for fuelling today's business world. Contracts that are issued across many different industries are often secured by the issuing of surety bonds. Without these bonds, customers would not be able to have a guarantee for the proper delivery of goods and services.

Are You Covered For Disability?


As Americans deliberate out-of-network co-pays, dental coverage and other choices during open enrollment, they often overlook disability insurance -- a potentially devastating financial mistake.

Mandate Will Change How We Buy Insurance


Both the House and Senate versions of the proposed health care bill include an individual mandate, which will require most people to buy health insurance. Luckily, those who find themselves shopping will be able to find affordable options -- both bills make it impossible for insurance companies to deny coverage or to charge exorbitant prices to those with pre-existing health conditions.

Cutting Health Care Spending Without Cutting Health Coverage


During these tough economic times, as America continues to look at cost cutting options, many people will be shopping for a health insurance plan. It's important to know that there are health plans that are affordable and are a fit for you and your family while still offering the coverage you need to protect your family.

Free or Low-Cost Health Coverage Helps Kids Get in the Game


Each fall, school and community athletic fields are filled with four-year-olds taking their first kick at a soccer ball and high-school seniors practicing in hopes of reaching the state championship football game.

Minimize Retirement Risk With Permanent Life Insurance


With persistent economic uncertainty, retirement worries plague many Americans. Instead of dreaming about their golden years, workers may be haunted by the possibility of a retirement where the idea of not having enough money may not be hyperbole.

5 Ways to Save Money on Health Insurance


The overwhelming mass of uninsured Americans is firsthand evidence that health insurance is too expensive -- as if we didn't already know.

Prepare for the Unexpected With Supplemental Insurance


From managing chronic conditions to coping with sudden diagnoses or accidents, maintaining the health of you and your family can be expensive.

What You Need to Know About Renters Insurance


If you are thinking about renting, there are many questions that might be on your mind, such as whether you'll have a good landlord, what your neighbors will be like and how you'll come up with the money for your security deposit. With all this to consider, it can be easy to overlook the obvious -- like renters insurance.

Childhood Cancer Survivor's Guide to Health Insurance


There are approximately 50 million uninsured people in the U.S. Of those uninsured, young adults are among the highest groups without health insurance. For childhood cancer survivors, however, going without health insurance is not an option.

Ways You Can Save Money on Health Insurance


The overwhelming mass of uninsured Americans is firsthand evidence that health insurance is too expensive -- as if we didn't already know.


More Resources


Why Should You Shop Around for Auto Insurance?
How do you know if what you are paying for your insurance is a good deal? What is a good deal? Is choosing the cheapest company the best way to go? Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal.
State Farm Auto Insurance - Heres A Few Factors That Determine Your Rate
There are many factors that affect the insurance rate you receive from State Farm Auto Insurance. Various types of coverage are available depending on the price of the vehicle you buy.
How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company's obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.
Medical Bills - Evaluating Your Personal Injury Insurance Claim
The value of a personal injury claim has a direct relationship to the amount of your medical bills. Why? Because a claim with medical bills of $500.
Free Money Saving Auto Insurance Tips
Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money.
Underwriting Life Insurance For Diabetics and Diabetic Life Insurance Information
Life Insurance Companies differ in their "underwriting philosophy" when it comes to diabetes. Offering life insurance for diabetics can be risky if the underwriters are not fully trained.
General Knowledge - Critical Illness Insurance
Critical illness can happen to anyone, and often does. If you are diagnosed with a critical illness, recovery should be your first concern.
Private Health Insurance: A Sense of Dissatisfaction
The three C's, customization, consumerization and customer-satisfaction, seem to be at the core of the business mantra for every service provider. The health insurance provider industry is no exception to this rule.
Senior Life Settlements- A New Financial Dawn Emerges
When delving deeper into the market-driven research on the myriads of reasons, motivations, and/or rationales for senior life settlements - seniors selling their life insurance policies have surfaced in recent years. According to studies by key industry players, policyholder rationales for selling life policies are to be identified on one of three levels, due to a combination of them OR influencers from all three levels working together to result in senior life settlement transactions:Individual: cash-need for major expenses, outlived need for coverage, needing different coverage or features, financial distressFamily / Estate: Change in beneficiaries (e.
Protecting Your Expatriate Family
If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to what you are accustomed to 'back home'.
Car Insurance Rates - Can You Lower Them?
Car insurance rates are prohibitive nowadays. Many families really struggle to pay the car insurance bill each month.
What To Do When You Suffer An Injury On The Job?
For over 30 years I have been representing injured workers in workers compensation proceedings and there are some basic errors that injured workers make time and time again.First, it is common for injured workers to ignore a serious injury for a day or even for a couple of days.
Outside Pressures On The Typical Insurance Adjuster
Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.
Life Insurance Basics
One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die.
Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi
For a price, would you let car insurer along for the ride? -asks a USA Today technology story by Kevin Maney. It seemsthat Progressive Insurance and IBM have worked out a scheme topay drivers to be safer - by monitoring their every move intheir own cars, and how fast they make that move, and wherethey park, and what time they drive.
Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim
Here's some "Inside-Info" you must know so you won't be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT'S OWED TO YOU !The following 8 are just "The Tip Of The Iceberg":#1. There are situations where you can collect for your "Lost Wages" even if you were paid by your employer and/or collected "Sick Leave" while unable to work.
Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.
Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we're honest ? we're struggling.The recent terrorism attacks in London brought home the fragility of human life to many Brits, who had previously been able to distance themselves from terrorist activity.
What Is Health Insurance?
What is health insurance and why do I need it? Health insurance protects you and your family from a financial hardship due to medical expenses in the untimely event that you are injured or become ill. There are four types of health insurance, you may need just one or you may need a combination to ensure you have the most insurance coverage possible.
Life Insurance Fears Post the London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed "quickly and sympathetically". This need for reassurance came in light of concerns that many victims of the blasts would not be covered by their existing health and life insurance cover.
Consequences of Late Insurance Payments
Did you realize that it could cost you more than a late fee when you make your insurance payments late? That's right, not only will you incur a late fee in most cases but also you are jeopardizing your current coverage and possibly your future rates.Let's consider what is probably the worst-case consequence of making late insurance payments.

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What Is Renters Insurance Really All About?
Renter's insurance is protection intended for anyone who rents an apartment, home or other live-in dwelling. Purchasing renter's insurance can protect you against the risk of fire, theft, windstorms, falling objects, smoke, and vandalism.
The Awful Truth about Annuity and Insurance Leads
You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop.
An Intro To Auto Insurance
Although premiums, policies and prices vary widely, the mandate does not. Automobile insurance is an unavoidable expense of driving.
Six Ways to Cut the Cost of Your Auto Insurance
Is your auto insurance bill $12000 a year or even higher? It's not unusual for auto insurance to cost this much these days. But it doesn't necessarily have to cost this much.
Life Insurance Providing Little Protection from Terrorism
Recent statements by the City of London Police Commissioner James Hart that future terrorist attacks in London's financial centre are, "a matter of when, rather than if", will increase already serious concerns over issues of personal and business financial protection.Mr Hart's statement pointed out that, "if you want to hurt the government, hurt people at the same time, and you want to cause maximum disruption.
Do Insurance Premiums Increase Every Year?
Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple. Each year, new vehicles cost more then they did the previous year.
How Can I Compare Life Insurance Quotes?
The online life insurance companies offer a free service where you can request a free quote for your life insurance needs. This enables you to compare life insurance quotes to see where you can save money with one over the other.
Auto Insurance In Texas
If you are looking for auto insurance in texas, you might want to check out golden rule insurance company who offers cheap auto insurance online. Of course there are plenty of other companies that also offer affordable rates, but first you should understand Texas auto insurance requirements.
Discount Life Insurance Will Give You The Best Protection You Need
There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance.
Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.
Affordable Insurance Quotes To Save You Money!
Whether you're looking for insurance quotes for auto, life, travel or health you can find some great rates on the internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens.
Life Settlement: Towards A Free Market for Life Insurance
The Life Settlement market is all about providing due access to needed cash from existing life insurance.This so-called free market referred to as the life insurance industry's secondary market is based on a central premise, namely that the value of life insurance is best determined by independent market forces and has been validated in recent years by its rapid growth.
High Deductible Health Insurance Plans For Individuals and Families
Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tires rotated every other oil change.
Facts About Renters Insurance
If you rent an apartment or house, you might consider purchasing renters insurance.Renters insurance provides coverage for damage or loss of personal property for people in rental housing.
5 Steps To Cheap Car Insurance Premiums
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you hundreds.
Health Insurance Providers Online - Benefits to Applying Online
Health insurance providers are going online to find new customers. As a result, there are more affordable health insurance options for families, the self-employed, and small business owners.
Health Insurance Options for Entrepreneurs
One of the most important benefits employed people enjoy is health insurance coverage. It is also the single most costly expense for self-employed entrepreneurs.
Six Crucial Insurance Claim Possibilities
There are DOZENS of insurance claim possibilities which will increase the dollars awarded you in the settlement of your personal injury insurance claim. Some of them rarely see the light of day but some do.
Accident Factoids
Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American's elect to drive (unless by the beginning of the 22nd Century we're all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!There are more than 200,000,000 licensed drivers in the United States.
Health Insurance 101 for Individuals and Families
The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation.