Insurance Archives

The U.K. is studying a proposal that would “nationalize” long-term nursing home care, and the U.S. may not be far behind. Here’s the deal behind the proposal that could lead the U.S. down a path where long-term care, including the country’s approximately 77 million Baby Boomers, is mandatory. Read more»
New Employee's Guide to Life Insurance
By: Staff
For many people, the anxiety surrounding the paperwork of new employee benefits packages can be more stressful than the jobs themselves. Coverage limitations, premiums, exceptions, clauses and screenings are all a part of the new hire process and understanding these elements can help you make the best choices for your needs. Read more»
Despite Recession, Keep Your Insurance
By: The Associated Press
CHARLOTTE, N.C. (AP) — Barry Miller figured he was saving $100 a month when he scaled back his disability insurance. After all, he was healthy."It just looked like the policy was too expensive," said Miller, who was paying for his own disability insurance carried over from a previous job. "Sometimes you don't know what will happen." Read more»
Term Insurance Rates Are Going Up
By: Brian O'Connell
The last thing insurance customers need in this economic environment are higher rates, but that’s exactly what we’re seeing with term insurance these days. Tighter credit markets are one reason why, but not the only one. Read more»
It's no fun watching your home's value fall by 30% or more, especially with prices still falling. But a growing number of companies like EquityLock Financial and The Lighthouse Group are selling insurance plans promising a hedge against a decline in the value of your home. So how do home equity protection plans work? Read more»
Do you need health insurance now? The private health insurance market can be a scary place. But if you don’t have a serious medical condition already, you may well be able to find affordable coverage. Read more»
The insurance industry doesn't aggressively promote it, but there is a high-risk brand of insurance that protects you against outliving your bank account - its called 'longevity” insurance, and here is how it works. In short, if you have a history of good bloodlines or just feel healthy and lucky, you can buy a longevity insurance plan with money down now and recoup that money, with interest, 20 years or so down the road. Read more»
Some life insurance policies are starting to haunt the living. Three years ago, I said "premium financed" policies were "not exactly a scam, but dangerous." Today that warning seems like an understatement. Read more»
The Basics Behind Homeowners Insurance
By: Staff
Homeowners insurance protects your home and possessions from losses caused by fire, theft, vandalism and other misfortunes. It also provides liability protection for you and your family members from accidents you cause or that occur on your property. This protection covers what is probably your most valuable asset, your home. Read more»
Auto insurance exists to protect your assets if you have a car accident or your car is damaged. In exchange for your premium, auto insurers agree to pay for your losses as is stipulated in your policy. Most states require that you have a minimum amount of auto insurance, but these minimums vary by state; minimums only apply to liability coverage. Read more»
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