Understanding Insurance

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How to Use Insurance Coverage You Already Have

You can make your insurance policies really work for you by taking advantage of the insurance coverage those policies offer that you may not even know about — and, in the process, avoid paying for unnecessary [more…]

Understanding How Insurance Lessens Your Financial Risk

People are exposed to many different types of risks in their financial lives. Practical and effective ways to deal with these risks typically means insurance [more…]

What Kinds of Insurance Do You Need?

Insurance protects you against the risk of the unknown. You probably wouldn’t even consider not having homeowner's or auto insurance, but you might not know what kind of insurance you need. Insurance is [more…]

How to Evaluate Insurance Quality

You buy insurance to protect your income, your family, and your assets from financial ruin. But just any old insurance won’t do. You owe it to yourself and your loved ones to obtain and maintain the correct [more…]

Health Insurance Options for People Under 65

The majority of individuals and families have health insurance through their employers. You’re likely best off with your employer’s group plan than any other option available to you. Group coverage is [more…]

Medicare Health Insurance Options for People over 65

Prior to retirement, you’re likely covered by your employer’s health insurance plan. However, what do you do for health insurance after retirement? Many people postpone retirement until age 65 merely because [more…]

Deciding Whether to Buy Long-Term Healthcare Insurance

A few decades ago, when an elderly person needed healthcare assistance, she relied on her extended family. However, society has changed. If you can’t take care of yourself and you don’t have any family [more…]

Evaluating Life Insurance Policies and Provisions

Life insurance is meant to replace your income if you die prematurely. If you’re married, in a committed relationship, or have children who depend on your income, you need life insurance. If you have a [more…]

How Much Life Insurance Do You Need?

You may know the type of life insurance you need, but how do you know how much coverage is best? To calculate how much life insurance you may need to support your surviving family, check out the Calculating [more…]

Understanding Homeowner’s Insurance Options

If you’re a homeowner, your house needs to be insured for a minimum of 80 percent of its value (not counting the value of the land). You must be proactive and review your current homeowner's coverage at [more…]

Shopping for the Right Homeowner’s Insurance Policy

If you’re currently shopping for insurance for a new home, or if you haven’t done any comparison shopping in a long time, you should spend a little time finding out what the marketplace has to offer. Insurance [more…]

Umbrella Insurance Checklist

You purchase umbrella insurance so that you’re covered under every contingency. An umbrella policy should also provide coverage for the gap between the value of the insured item and the amount you owe [more…]

How to Summarize Insurance for Your Survivors

It may not be a particularly welcome thought, but you generally purchase insurance for when things go wrong, and death is the last thing that will go wrong for you in this life. But the list you make now [more…]

Examining Auto Insurance Coverage

If you drive, you need auto insurance coverage. But just exactly which type of coverage should you have, and which ones are you required to have? Following are the key features of auto insurance [more…]

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