Insurance Information


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.

How Will an HSA Save Me Money?


The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account.

What Should I Do About Billing Problems When Using HSA Money?


If you run into a billing problem or misunderstanding with a hospital or doctor's office for which you're planning to use money from your Health Savings Account (HSA), you could be in trouble.This article will help you understand how hospital and doctor visits are different when paying with a Health Savings Account.

What Type of Doctor Should I See Under My HSA?


You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.Since you will be writing a check or using your debit card to pay for these visits at the time of service, you will really notice how much it costs.

Does an HSA Cover Alternative Medicine?


A Health Savings Account (HSA) does not really cover alternative medicine. However, there is a bit more to it.

Is an HSA a Type of Insurance?


A Health Savings Account (HSA) is not a type of health insurance. But that's an easy mistake to make!HSAs are closely associated to health insurance, although they do not provide any insurance benefits themselves.

Term Life Insurance Help


Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are you're going to come out on the loosing end of insurance.

Tips for Buying a New Home


My wife and I recently purchased a new home in Tennessee. Here are some helpful hints we picked up along the way:1.

Travel Insurance Pre-Existing Conditions Coverage - How It Works


What is a Pre-Existing Medical Condition?When a trip cancellation travel insurance company refers to a "Pre-Existing Condition", they are talking about medical conditions that exist in the Lookback Period that immediately preceeds the travel insurance purchase date.Simply put, a Pre-Existing Condition is any medically documented condition (no matter how minor) an Insured Person, Traveling Companion or Family Member has been treated for, consulted with or received advice on.

Should You Have Higher Deductibles On Your Coverage?


What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure.

Understanding How Your Credit History May Affect Your Car Insurance Coverage


Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history.

Should I Buy Rental Car Insurance?


Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase.

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'.

Factors That Affect Your Car Insurance Premium


Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population.

Seven Steps to Filing Your Car Insurance Claim


Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal.

Which Car Should You Own To Keep Your Insurance Rates Most Affordable?


Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars.

Is Your Auto Insurance Company Rated?


Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision.

How Much Car Insurance Should You Buy?


Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.

Term Life - Who Needs It?


If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:ยท Young families or those on a limited budget, yet still need a large amount of life insurance.

How Does Credit History Affect Car Insurance Rates?


Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates.

Terrorism Insurance - What it Costs Small Business


The Terrorism Insurance Act of Nov. 26, 2002.

Converting An Unwanted Life Insurance Policy Into Ca$h


Do You Own A Life Insurance Policy That You No longer Need or Want?It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell" A Policy:Family SituationsBankruptcyEstate ReductionEstate Tax RevisionBusiness Was Sold1035 ExchangeDrain On IncomeDivorce - SeparationDeath of A SpouseRetirementDeclining HealthNon-Performing PolicyWealth PlanningWork Related ChangesQualifying Types Of Life Insurance:GroupWhole LifeTerm (Convertible)JointUniversalVariableKey Man (business related)Who Is A Qualified Candidate?Mature men and women over age sixty-five years of age who have an existing life insurance policy and whose circumstances have changed since purchasing the policy originally may qualify for a purchase and sale of their policy.

Health Savings Accounts


Most people with health insurance, especially employer paid health insurance, really don't know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use.

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.

Taking The Mystery Out Of Long-Term Care Insurance


Here's the good news: with improvements in medicaltechnology and healthier lifestyles, people are livinglonger. Life expectancy today has increased to 83 years, upfrom 78 years in 1940 (The Shopper's Guide to Long-term CareInsurance from the National Association of InsuranceCommissioners).


More Resources

Finding Term Life Insurance Online
What exactly is Term Life Insurance?Term life is a form of life insurance where you're covered for a number of years - the number of years is called the term. Term life insurance policies can be for as long as 30 years or for 20 years, 15, 10 or 5.
Student Health Insurance - Is It Necessary?
As a young, healthy college student, it might be tempting to forgo the expense of health insurance. After all, you're young, you're careful and you're not sick.
Everybody Wants The Best Term Life Insurance Quote
The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don't even have to know anything about the insurance industry to get the best term life insurance quote from an online insurance company.
Why Dont Insurance Companies Reward Us for Being Healthy?
Insurance is always a gamble, a bet actually.You are betting that you'll eventually get sick or hurt.
Millions of Americans have No Life Insurance
Only 61% of adult Americans have life insurance (down from 70% in 1984).Only 41% of adult Americans have individual life insurance, many rely on group insurance leaving them vulnerable if they lose their job.
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.
Guide to Life Insurance Terms
Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you.
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.
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.
CarInsurance.com Is Available At All Dealerships With Internet Access!
You are ready to buy your first car. Researching the right vehicle can be a daunting task.
Health Insurance, What Does It Mean?
Your health insurance policy is an agreement between you and your insurance company. The policy lists a package of medical benefits such as tests, drugs and treatment services.
Hidden Ways to Cut Car Insurance
Consumers are countering rising gasoline prices and other vehicle operating costs by capitalizing on lower auto insurance rates, according to leading insurers.Auto policy costs and regulations vary significantly from state to state, but there are a number of areas that consumers are able to control and adjust to optimize prices and quality.
Are You Running the Risk of an Uninsured Business? Beware & Get Business Insurance
Human life is precarious and so are the activities they indulge in. So it is not just the human life that needs to be protected but the work that he does - his business etc.
All Auto Insurance is Not Created Equal!
Contrary to what you may have heard all auto insurance is not created equal. A quick search on the net will quickly reveal different rates, different policies, and different terms, so how is one to sort through all the clutter.
Auto Insurance for Young Drivers
The biggest worry of most parents today is their children growing up and beginning to drive. They dread having to add them to their auto insurance policy because of the increase in premium.
Saving on Auto Insurance: The Road to Reduction
The road to saving on auto insurance is something that every consumer travels at one time or another. And the quest is really not as difficult as it may appear.
Online Insurance Quotes California Auto
Finding insurance quotes for California auto is now pretty easy. There was a time where finding auto insurance at a price we were willing to pay took a lot of driving and calling around.
The Ups and Downs of Temporary Health Insurance
If you're a recent college graduate, or in between jobs, temporary health insurance may be just what you are looking for. As the name suggests, this short term health plan covers from one month up to a full year.
What Are The Auto Liability Insurance State Minimums For My State?
As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States.
Health Insurance Plans - Benefits to Different Plans & Providers
Health insurance plans vary in their coverage and prices. The more coverage offered, the higher the premiums.

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Term Life Insurance and Permanent Life Insurance
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How Will an HSA Save Me Money?
The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account.
Auto Insurance Information Online - Compulsory Auto Insurance
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Useful Tips on Reducing Insurance Costs
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The Surety Bond Domino Effect
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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.
Guide to Life Insurance Terms
Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you.
Reducing Soaring Insurance Claim Costs
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Finding a Discount Car Insurance Broker
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Insurance Adjusters How They Work And How They Think
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Senior Life Settlement-Uses and Applications
In a recent article in the National Underwriter (April, 2005) a Senior Life Settlement is depicted as an ingenious financial planning option available to consumers by providing access to secondary life insurance market through life insurance valuation - a new trend, tool in the financial advisory services industry unlocking opportunity for many.Sound investment practices require diligence and regular appraisal and valuation of assets.