Insurance companies constantly compile statistics concerning risk. Each category of risk is given an importance as how this factor will contribute to a problem that will involve them in paying a claim. Since they are in the business to pay out the least claims possible, this makes sense. If they find you engage in activities [...]

A DUI (Driving Under the Influence) charge can have long-lasting effects beyond suspension of your driver’s license, court dates, and the often substantial fines. In most states a DUI conviction will classify you as a “high risk driver.” Depending on the state, the DUI charge may stay on your record from five years to the [...]

Planning for retirement is one of the most important things that one can do. However, within your planning you must think about your health insurance for retirement. Unexpected health problems, pre existing health conditions, and various other health related issues can prove to be detrimental for many retirees. A simple solution to this problem is [...]

If you purchased life insurance and have received the policy but don’t understand what it all means, here are a few basics tips. The cover page identifies the insurance company and type of plan you have, and it should also offer you the right to return the policy within 21 days. The amount of benefits, [...]

Before the unthinkable happens and your property is damaged or stolen, be prepared. If you wait until you are faced with the problem, you’ll be scrambling to figure out what is missing, locate receipts, all while dealing with a stressful event. First, document your property. Take pictures of any expensive jewelry, furs, antiques, or electronics. [...]

Auto insurance is perhaps the most important type of protection available to consumers, but it is also the most commonly used. Many states have mandatory guidelines that specify minimum requirements related to the amount of liability coverage an individual must carry. However, few drivers realize that the minimum coverage is severely limited in what it [...]

There are three different types of managed Health Care Plans that most employers offer to their employees. They are Health Maintenance Organizations, Preferred Provider Organizations or Point of Service Providers. Many people wonder just what the difference is between the three. It is actually very simple. PPO’s (Preferred Provider Organizations) are similar to HMO’s (Health [...]

Life is unpredictable; things can happen to create a hole impossible to fill. This is especially so when it comes to the sudden, unexpected death of a family member. Life insurance, in a lot of cases gives you the financial piece of mind, so you can focus on more important things. Life insurance guarantees of [...]

Homeowners insurance can travel with you to your new home, second home and even a relocation to a different state. If you just finished building a retirement home, have moved to a different state, or have relocated to a different part of town, try to use your existing insurance company. Your homeowners insurance might even [...]