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Types of Disability Insurance

Disability Insurance is one insurance policy you can not do without in your lifetime.  What disability insurance does is provide you continued income in the event of a serious accident or surgery which renders a person disabled.   This disability can be short term or long term, which creates two types of disability insurance: short term disability insurance and long term ...

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What is Insurance?

Credit

A method of providing for financial protection from potentially catastrophic losses.  It allows a person, business, or organization to pay a small fixed amount to an insurer in exchange for the promise that, if a covered loss occurs, the insurer will pay for losses up to the coverage limits of the policy purchased.  A policy is a legal contract.  In ...

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More and More Companies Reduce Health Coverage Due to Obamacare

healthcare

In recent weeks UPS (United Parcel Service Inc) announced to many of its workers that they will no longer provide health care to employees’ spouses who can obtain health care through other means.  The company says that they were motivated to this action by the increasing costs of health care due to the Affordable Care Act.  They have said that ...

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Cheap Car Insurance

Owning your own car means having the freedom to travel wherever you want to, whenever the mood strikes, picking games or dvds to have a total ride fun, but it also comes with at a bit of a price. On top of the monthly payments to buy the car, you also need to have auto insurance in place. It’s easy ...

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What is Cancer Insurance?

doctor

Cancer is most certainly a life altering diagnosis. Some life changes are obvious and immediate; others are subtle and take time to develop. But, the financial blow due to loss of income and treatment expenses is apparent in all cases and can be lessened with cancer insurance. Cancer insurance is a relatively new policy which serves to provide you with ...

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California Insurance Exchange Could be Getting Reasonable Priced Health Insurance Options

California is getting ready for the new changes to healthcare laws and over 5 million people in California who will qualify for the new health care coverages will be getting choices from the insurance exchange that will comply with the Affordable Care Act.  California is following in the footsteps of neighboring states Oregon and Washington who recently announced reasonably priced ...

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What is Business Insurance?

business

Small or big, all businesses are exposed to risk on a daily basis. The insurance you require depends much on the nature of the business you are operating. The type of insurances available to your business comes in many different forms, but they all primarily fall into 3 main categories: Assets and Revenue, Liability, and Employees. What are Assets and ...

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Why get business insurance?

business insurance

If you have built your business from the ground up you know very well that bad things can happen in a hurry.  You have worked very hard to get your business to where it is today, so don’t let something unforeseen ruin your years of sweat equity.  Insurance is needed as part of a plan for the future security of ...

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Why Do You Need Burial Insurance

Although burial insurance may seem like a morbid subject to consider, it is actually a very compassionate and thoughtful way to prepare so that your loved ones don’t have to deal with additional stress when the time of passing comes.  Additionally, this type of coverage brings peace of mind to the person who buys it so that they can think ...

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Avoid the Long-Term Care Insurance Dilemma

Long Term Care

I am sure you have either been approached or have heard from others about proposals to take long-term care insurance. You start at age 50 or 55 and pay premiums into equity that is supposed to help your expenses later in life. You can summarize in 3 points some of the issues with LTC or long-term care insurance vs. an ...

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