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

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.

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Guide to Home Insurance
Here is a useful guide to Home Insurance. Home insurance covers damage from incidents such as fire, theft, and vandalism to your house, usually adjacent structures like a garage or shed, and your personal belongings.
What Does Buildings Insurance Cover?
You will find that your lender will insist that you have this cover when you take out a mortgage. The lender, remember, owns your home until you have paid off the mortgage.
Car Insurance No Claims Bonus Explained
No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus.
Cheap Car Insurance
Finding good car insurance can be very difficult. Here are a few tips:Try a few different insurance companies.
Filing An Insurance Claim
Everything seemed pretty simple when you purchased that insurance policy. If you have a loss, just tell the insurance company about it and you will get paid - Right? Well.
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.
Is Life Insurance Comparison Really Necessary?
When you want to purchase a life insurance policy, you really do need to do a life insurance comparison. This is to ensure that you get the best possible rates and the best possible life insurance for your needs.
The Life Insurance Quote Business is Booming, but is the Insurance Quote Accurate?
The life insurance quote business online is booming. Not only are life insurance agents quoting a more diverse portfolio of companies, but consumers are also now able to quote life insurance online for themselves.
California Catering Truck Insurance
Catering truck insuranceNot many agents/brokers write catering truck insurance as they don't have a contract with companies that will write that type of coverage. There's a certain type of knowledge needed to write the risk with catering truck insurance properly.
Is Purchasing Travel Insurance Smart?
To answer the question "is purchasing travel insurance smart?" let's look at what insurance is.When you purchase insurance - health insurance, homeowner's insurance, car insurance, life insurance, or travel insurance - you're not making an investment.
Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report.
Saving on Home Insurance: Tips for Cutting Costs
Everyone is searching for a way of cutting costs, a method to lower their overall monetary expenses. Saving on home insurance is a reasonable, viable option when choosing to take control of your finances.
Choosing the Best Life Insurance Option for You
Life insurance in the UK is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of popular life insurance, both of which offer a range of invaluable benefits to UK consumers.
Handling Your Motor Vehicle Accident With Your Own Insurance Company
This "How To" article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time (regarding your own motor vehicle accident claim with them) and you're positive it's "Legit". If there's some problems with whatever position they've taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don't have to sit back and take it!You DO have options to settle your dispute and you should proceed as follows:#1.
Insights Into Your Med-Pay Insurance Coverage
While Legal Romantics would like to characterize the trial of a lawsuit as a "Search For Truth" that's not a reality!Cases are decided on the evidence. When reviewing cases before them, judges invariably use the phrase, "The evidence shows", rather than, "The truth of the matter is".
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.
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.
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.
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.
About Online Term Life Insurance Rates
Online term life insurance ratesHow simple it is today finding online term life insurance rates. At the click of your little mouse, fingers on the keyboard off we go into the world of cyber space.