Insurance Information

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.

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Insurance Adjusters How They Work And How They Think
Here comes the insurance adjuster. Is he overly friendly? If so, watch out! It's OK to be hospitable.

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An Intro To Life Insurance
There are many options available for life insurance, and for most people these options can be somewhat confusing. Below is a brief review of each type and some advantages and disadvantages of each.

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Medical Insurance - Health Insurance Coverage & Plans Explained
If you're trying to decide between health insurance plans, you'll find that there are several different kinds from which to choose. It's important that you weigh all your options carefully.

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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.

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Why Boat Insurance Doesnt Help A Lousy Sailor
For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean mankind has made exciting voyages to the far corners of the world.

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What Is Meant By Automobile Insurance Standard Coverage?
Automobile insurance standard coverage is the basic amount of insurance coverage that is required by law in order for an individual to legally operate a motorized vehicle. You can simply it even further with the blanket statement as being the mandatory amount of auto insurance coverage a driver must possess.

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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.

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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.

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Senior Health Care Insurance
Health Insurance For Seniors On The NetWhen a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.He reported back to me about a week later, in desperation: "I am giving up, I am too confused.

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Whole Life Insurance - Whole Life Insurance Information
The original purpose of life insurance was to provide for your family in the case of your death. While this purpose is still the most potent reason to take out a life insurance policy, there are a number of other ways that life insurance can be used to benefit you and your family, even while you are still alive.

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Homeowners Insurance Coverage
When deciding on the appropriate amount of homeowner's insurance coverage you must first determine the projected replacement cost of your home. Then you must choose the coverage amount that suits your needs best.

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Filing Auto Insurance Claims: The Basic Steps to Take
An automobile accident can be a terrifying event for anyone, even when there are no injuries sustained. However, it is still necessary to take proper action after the collision to make filing auto insurance claims as simple as possible.

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Self Employed Health Insurance - Tips For Getting Cheap Health Insurance When Youre Self Employed
If you're self-employed and facing high health insurance bills, there are a number of things you can do to make your health insurance premiums cheaper once you find a good health insurance plan. Some involve opting out of certain coverage, others mean increasing the amount you'll pay out of pocket for expenses.

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Online Insurance: The End of the High Street Broker?
When I was a lad, some 25 years ago, the Insurance Company called to your door every month to collect your life insurance premium. My recollection is of a drab suited man having to run the gauntlet of neighbourhood dogs rather like the postman.

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Insurance Credit Scoring: An Ethical Issue
The issue at hand is the use of a consumer's credit score as an underwriting tool for auto insurance rates. What is a credit score or FICO score? A FICO score is a credit score developed by Fair Isaac & Co.

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Why Do You Need Homeowners Insurance?
The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy.

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Do You Pay Too Much For Your Car Insurance?
Do the premiums just seem to get higher and higher every year?It is amazing how many people just receive their insurance renewal when it is sent out each year and pay it off without a second thought!But, at the back of their mind, is this niggling feeling of discontent about the amount they are paying. Unfortunately many feel there is nothing they can do about it, they are literally being held to ransom by the insurance companies.

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If You Rent A Home, Protect It By Buying Renters Insurance
Renters insurance is often overlooked by people who are renting their house or apartment. Many people don't realize that their landlord's insurance only covers the building that you live, there in no coverage for your personal belongs.

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Life Insurance Whole Life or Term Life - Find Affordable Life Insurance
Life insurance, whether you need term or whole life, can be a major expense. We all know the importance of having adequate life insurance.

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What to Look for in Good Health Insurance
Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance.

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