Category: Insurance

Everyone is looking to cut costs in the current economic climate and one place that is often over looked is auto insurance premiums. While getting multiple free quotes for insurance is easy, actually understanding the factors that lower your insurance is even more important.  One such factor is the safe…

With the passage of health care reform, a major political achievement for the Obama administration, Americans will finally start seeing the actual impacts of many of these new laws. These changes will only initially impact people who buy new policies or are in plans where the coverage year is about to…

Annuities have been a viable investment option for many years. However, there is still a great deal of confusion on what exactly they are and how exactly they work. Understanding the concept of annuities can help you to determine if they are right for you, and if so, what type…

If I had to pick one tax-advantaged account most people are underusing, it would be the HSA — and it's not particularly close. I've been contributing to one for years, and the more I've learned about how these accounts work, the more I think of them as a stealth retirement…

Even though President Obama and Congress have signed into law sweeping health care reform many employees are still in the dark about how their employer sponsored health care benefits will be affected and wondering when new provisions in the approved health care bills will go into effect. Rather than reading…

There are pages written about how to buy term life insurance, but very few devoted to death benefit claims and payouts. Sadly, this topic is so neglected, that awareness levels on this matter are very low. Term life insurance is the best kind of life insurance available today, and it…

Low cost auto insurance rates are available everywhere, as companies cater to people trying to cut costs wherever they can. Unfortunately, not all insurance companies are equal, and low insurance rates can turn into a big future hike if you do not know what to look for or what to…

It's that time of year again when workers have to review and are able to modify their employer sponsored health care insurance and other "fringe" benefits. Unfortunately as I reviewed my health care benefits it seems that my employer is providing less (like excluding Chiropractic benefits) but raising premiums, co-pays…

There are a number of factors that come into play when calculating your life insurance premium. It would therefore be worthwhile to know exactly what goes into the calculation process and whether you can do anything to reduce your life insurance rate from your end. Insurance companies all have certain…

One of the largest purchases in your lifetime will most likely be your home. If you have bought one or are planning to, chances are that you have looked into a mortgage in order to afford one. As time passes, and you pay your monthly mortgage payments, have you ever…

I've had my auto insurance with State Farm for the past few years, and every year their car insurance premiums have been going up. It was only a few dollars difference and I just ended up paying the higher rate. But when I recently received a new renewal notice, their…

As I get older and my family grows, one question that comes to mind is, “will they manage if something happens to me? Particularly from a financial aspect.” I can’t do much to prevent the emotional impact, but I want to ensure that my family will not suffer financially if…

Choosing a health plan is now a five-figure decision. The average employer family plan costs $26,993 a year in premiums, with workers paying about $6,850 of that from their paychecks, per the latest KFF employer survey. Pick the wrong plan and you can easily leave a few thousand dollars on…