Guaranteed Issue vs. Simplified Issue vs. Fully Underwritten Life Insurance

Guaranteed Issue vs. Simplified Issue vs. Fully Underwritten Life Insurance
Is Guaranteed Issue, Simplified Issue, or Fully Underwritten Life Insurance Best for You? Insurance companies found that they can attract a lot more consumers by offering life insurance policies that are quick and easy to apply for. These days, many of the largest companies even offer potential clients that ability to apply online or over ...

Do You Need Long Term Care Insurance?

Do You Need Long Term Care Insurance?
Who Needs Long Term Care Insurance? Before asking who needs long term care insurance, it can help to define what this means. Typically, long term care means care in an assisted living facility, nursing home, adult day care, or care at home from a home health aid. It could also include long-term therapy, hospice, and ...

Have You Signed Up For The Health Insurance Marketplace Yet?

Have You Signed Up For The Health Insurance Marketplace Yet?
HealthCare.Gov Seems To Work Now! Here’s the good news. The new Health Insurance Marketplace at HealthCare.gov, courtesy of the Affordable Care Act, is functioning. One of our editors signed up yesterday with minimal frustration because it took awhile for the confirmation email to come through. If you plan to use it, set aside at least ...

Nope, Typical Homeowners Insurance Does Not Cover Floods! 1

Nope, Typical Homeowners Insurance Does Not Cover Floods!
Does Homeowners Insurance Cover Floods? Most home owners have a lot invested in their houses and the property inside of those houses. Mortgage, taxes, and insurance may add up to the the largest category of monthly bills. Most people regard those as the bills they need to pay first, because if they don’t , homes ...

Does Your Trailer Need Extra Insurance? 2

Does Your Trailer Need Extra Insurance?
Do You Need Trailer Insurance In Addition To Auto Insurance? This site has already covered the high cost of uninsured drivers, both to themselves and to everybody else. However, many people wonder if their current policy also covers trailers that might be towed along behind a properly insured vehicle. The right answer to this questions ...

How to Buy Life Insurance Over 50 3

How to Buy Life Insurance Over 50
Over 50s Life Insurance Many people have had some life insurance in their lives. They bought term policies or had coverage through group plans at work. However, as time passed, these policies lapsed.  J.D. Powers, a major consumer research company, reports that 50 million Americans believe they lack adequate life insurance, and this problem gets ...

Types of Auto Insurance 1

Types of Auto Insurance
What Types of Car Insurance Do You Need? The amazing thing is that almost every vehicle owner needs some type of insurance, but few of them really understand the coverage contained in their policy. If you understand what coverage you are paying for each month, you are much more likely to be satisfied if you ...

Who Pays for Uninsured Drivers? 1

Who Pays for Uninsured Drivers?
Everybody Pays for Uninsured Drivers in the US Every US state has financial responsibility laws which do two basic things: These laws establish minimum required liability insurance rules for the state. Some states require more than property and bodily injury insurance too. For example, some states require personal injury protection. These laws establish fines and ...