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May 19
How to File a Workers Comp Claim

How to File a Workers Comp Claim

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Considering that people spend a huge portion of their lives at work it should come as no surprise that workplace injuries and illnesses are among the most common of all injuries and illnesses. According to information gathered from a National Health Interview Survey (NHIS) an estimated 38% of all injuries occurred at work. This figure is even higher among men aged 55-64 for whom an estimated 49% of all injuries occurred at work. When such workplace injuries do happen, it is common for the injured ...

November 04
7 Questions to Consider Before Buying a Long Term Care Insurance Policy

7 Questions to Consider Before Buying a Long Term Care Insurance Policy

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For millions of Americans seeking to secure their financial future as the approach or enter retirement, Long Term Care Insurance is a fundamental part of the equation. However, though it is important it is also one of the most commonly misunderstood types of insurance. Unlike health insurance, car insurance, or life insurance many people have never even heard of long term care insurance, and those who have may still not know how to properly evaluate a policy. What follows are the top 7 questions to ...

October 25
How To Determine Your Individual Coverage On Any One Asset Under An Umbrella Policy

How To Determine Your Individual Coverage On Any One Asset Under An Umbrella Policy

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Chances are that if you own your own home you already have a homeowners insurance policy and that if you are a driver you have auto insurance. You may feel like these policies are enough to protect you, and for many people, they may be. However, very expensive accidents, lawsuits, and other costly mishaps could easily exceed your policy limitations. When this occurs, you could be on the hook for hundreds of thousands, or even millions, of dollars worth of liability. An umbrella policy can ...

September 19
How to Determine How Much Insurance is Needed

How to Determine How Much Insurance is Needed

Having the proper amount and types of insurance coverage is imperative in order to prevent costly disasters and misfortunes from ruining everything that you and your family have worked so hard to build. However, though most people understand that good insurance coverage is important, many people may still be confused or misinformed about how much insurance is needed. This brief article will highlight several of the most important things to consider when determining your insurance coverage needs. Consider The Type Of Insurance It stands to reason ...

June 03
What Should I Consider When Deciding On High Versus Low Deductibles?

What Should I Consider When Deciding On High Versus Low Deductibles?

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In the ever-changing world of insurance policies, plans, and premiums, it’s not uncommon for the consumer to feel confused and overwhelmed when selecting a plan for their family. Should you choose the high deductible or low deductible plan, and what impact will it have on your coverage? The term deductible refers to the amount of out-of-pocket costs the policyholder will be responsible for before the actual insurance discount kicks in. The higher your deductible amount, the lower your monthly premiums will be. ...

May 20
Do Most Insurance Plans Cover Dental?

Do Most Insurance Plans Cover Dental?

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At times, it is easy to forget about the health of your teeth, because most people don’t fear they could become ill or die if their teeth are ignored. When something is wrong with your body, you quickly head to the doctor to fix the problem before it gets out of control, but because of the expense of dental care, many Americans forego the proper dental work in order to save money. What many don’t know is that the health of your mouth ...

May 17
How To Determine If You Need An Umbrella Policy

How To Determine If You Need An Umbrella Policy

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Most people have heard about umbrella policy coverage but many do not know exactly what it is. Basically it is a specific type of insurance that is designed to start providing coverage and benefits once a person’s homeowner’s or automotive insurance has been capped out (depending upon the nature of the claim). Typically, umbrella coverage is thought of as something only for the very wealthy but this is not actually true. Umbrella policy insurance coverage can be important for middle income earners as well depending ...

May 08
Understanding the Insurance Underwriting Process

Understanding the Insurance Underwriting Process

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Underwriting is a process that an insurance company employs in order to assess a potential client’s eligibility for coverage. Underwriters are responsible for evaluating the risks associated with insuring clients. Using the risk and exposure data they gather, underwriters determine the coverage the client needs and how much they will pay for it. The underwriter will also decide if the client is too much of a risk to insure and whether the company can accept that risk. His role in the ...

April 19
Learn How To Prepare For a Hurricane In The South

Learn How To Prepare For a Hurricane In The South

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When it comes to preparing for a hurricane, families need to take a proactive approach. Some families get lackadaisical and don’t take the hurricane warning seriously. Some people don’t want to leave their homes when they get the evacuation notice and this is dangerous. The attachment to their home supersedes the wisdom of getting out before the hurricane arrives. This article will teach you how to prepare for a hurricane in the south, if that is where you or your family resides. It is ...

April 09
Guide To Understanding How Medical Status Impacts Insurance

Guide To Understanding How Medical Status Impacts Insurance

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How Medical Conditions Can And Cannot Affect Insurance Rates It is more important than ever to have medical insurance. Drug companies, medical institutions and healthcare providers are all facing rising costs—costs that are passed on to their customers and patients who don’t have medical insurance. Often times those who are uninsured are denied services and treatments altogether simply because of their lack of ability to pay. In the unfortunate event that you or one of your family members becomes seriously ill, you will undoubtedly want to ...