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 …

Continue Reading – Smoking affecting your homeowners insurance

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 …

Continue Reading – Auto insurance and a DUI Charge; A Costly Mix

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 …

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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 …

Continue Reading – Understanding your life insurance policy

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 …

Continue Reading – What to do if your property becomes damaged or stolen

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 …

Continue Reading – Liability limits on your auto insurance

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 …

Continue Reading – Difference between HMO PPO and POS

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 …

Continue Reading – Life Cycle Life Insurance Policy

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 …

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PIP stands for “Personal Injury Protection”, as far as you auto insurance policy is concerned. It is a serious consideration when shopping around for auto insurance policies. The shocking statistics concerning auto accidents and the injuries as a result, are being put under a microscope by most major auto …

Continue Reading – Personal Injury Protection or “PIP” for Auto Insurance