Life insurance articles
Showing page 10 of 13 - There are 390 Life insurance articles
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- 2007-11-13 22:16:19 - Life insurance: who needs it and how much do you need?
- Your friendly, neighborhood life insurance agent is most likely to answer this question with the word "everybody."The fact is, not everybody does need life insurance. If you don't have a family, you probably don't need life insurance unless, of course, you're a really nice person and just want to leave some money to a friend or a charity.If you do have a family, the questio...
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- 2007-11-13 22:16:19 - The great value of accident photographs
- You were humming along on a bright and sunny day when suddenly Fred Fuddle, a local character from a nearby town, drunk as a skunk and zooming along in his pickup, flew through stop sign crashing into the right front of your motor vehicle. You had no choice to avoid him. Now the time has come to settle your claim for property damage and personal injuries. Let's talk about photographs one of the ba...
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- 2007-11-13 22:16:19 - The importance of travel insurance
- You've finally saved enough to go on that dream vacation you've been planning. Now you're wondering if you should buy travel insurance. Do I really need to go to the extra expense? All I can lose is my luggage, right?Guess again! Anything can go wrong while you are traveling, and I strongly favor buying a policy.Most travel insurance policies are designed for a variety of travel need...
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- 2007-11-13 22:16:19 - Health savings account (hsa): helpful for older people?
- The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.But do HSAs work just as well for older Americans? The answer depends on your age.Let's start with someone older than 65. Once you turn 65, you are eligible for Medicare, and that...
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- 2007-11-13 22:16:19 - Life insurance basics
- One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die. Although we never like to think of that kind of thing happening, but it does.What is Life InsuranceLife insurance is a policy that you can enter wit...
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- 2007-11-13 22:16:19 - How will an hsa save me money?
- The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?A Health Savings Account (HSA) is just a savings account. Duh, I know. It is just like a bank account where you can put money in and you can gain some interest.But it has two special qualities that a regular bank account doesn't. First, when you put money in, that amount get...
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- 2007-11-13 22:16:19 - What should i do about billing problems when using hsa money?
- If you run into a billing problem or misunderstanding with a hospital or doctor's office for which you're planning to use money from your Health Savings Account (HSA), you could be in trouble.This article will help you understand how hospital and doctor visits are different when paying with a Health Savings Account. Not better or worse, just different.If you have an HSA, you must hav...
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- 2007-11-13 22:16:19 - What type of doctor should i see under my hsa?
- You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.Since you will be writing a check or using your debit card to pay for these visits at the time of service, you will really notice how much it costs. Since you have a high-deductible health insurance policy (a must for an HSA), you will be spending HSA money for the first thousand or more dolla...
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- 2007-11-13 22:16:19 - Does an hsa cover alternative medicine?
- A Health Savings Account (HSA) does not really cover alternative medicine. However, there is a bit more to it.A person using an HSA can withdraw money from this special type of savings account for any type of "approved medical expense." Approved by whom? The IRS.So, the IRS pretty much thinks that proper medical expenses are any types of Western medicine ? pharmaceutical dr...
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- 2007-11-13 22:16:19 - Is an hsa a type of insurance?
- A Health Savings Account (HSA) is not a type of health insurance. But that's an easy mistake to make!HSAs are closely associated to health insurance, although they do not provide any insurance benefits themselves.Think of an HSA as a special type of savings account. It's a savings account where:You can put money in and get a tax deduction.You can take money out anytime,...
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- 2007-11-13 22:16:19 - Term life insurance help
- Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are you're going to come out on the loosing end of insurance. However, what if you can't afford expensive life insurance like whole life insurance, what are your options?This is where about 95% of the population fit in. Whole life insurance, that acts not only as life insura...
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- 2007-11-13 22:16:19 - Tips for buying a new home
- My wife and I recently purchased a new home in Tennessee. Here are some helpful hints we picked up along the way:1. Use all of the online resources available. Almost every state and local government has a website where you can research real estate information. The data on home sales, taxes, and neighborhoods is invaluable when you are shopping for a home. We were able to find out the most r...
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- 2007-11-13 22:16:19 - Travel insurance pre-existing conditions coverage - how it works
- What is a Pre-Existing Medical Condition?When a trip cancellation travel insurance company refers to a "Pre-Existing Condition", they are talking about medical conditions that exist in the Lookback Period that immediately preceeds the travel insurance purchase date.Simply put, a Pre-Existing Condition is any medically documented condition (no matter how minor) an Insure...
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- 2007-11-13 22:16:19 - Should you have higher deductibles on your coverage?
- What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure. Insurers believe that if you, the insured, share some of the risk you will likely be more careful and try to minimize the possibility of a claim. Since you, the...
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- 2007-11-13 22:16:19 - Understanding how your credit history may affect your car insurance coverage
- Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history. I hope that we will be able to let you know why and how they do this.The reason that some insurance companies use credit information is becau...
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- 2007-11-13 22:16:19 - Should i buy rental car insurance?
- Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web...
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- 2007-11-13 22:16:19 - Protecting your expatriate family
- If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to what you are accustomed to 'back home'. Therefore it's essential to make sure that you are fully covered.Starting with straight health insurance for you and your family you may then nee...
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- 2007-11-13 22:16:19 - Factors that affect your car insurance premium
- Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting t...
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- 2007-11-13 22:16:19 - Seven steps to filing your car insurance claim
- Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.Step 1: Understand your policyBefore a loss,...
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- 2007-11-13 22:16:19 - Which car should you own to keep your insurance rates most affordable?
- Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type.The Highway Loss Data Institute is a nonprofit public service organization. It is ...
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- 2007-11-13 22:16:19 - Is your auto insurance company rated?
- Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision. Does your insurance company have the financial strength to safeguard you and your family? If the company cannot pay fu...
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- 2007-11-13 22:16:19 - How much car insurance should you buy?
- Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it's about as useful a...
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- 2007-11-13 22:16:19 - Term life - who needs it?
- If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:· Young families or those on a limited budget, yet still need a large amount of life insurance....
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- 2007-11-13 22:16:19 - How does credit history affect car insurance rates?
- Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope that we will be able to let you know why and how they do this.The reason that some insurance ...
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- 2007-11-13 22:16:19 - Terrorism insurance - what it costs small business
- The Terrorism Insurance Act of Nov. 26, 2002. This helps businesses who must have insurance from being denied, which would kill those businesses. Our General Liability Insurance Numbers have jumped about $100-300 depending on the market area. But if you consider that there have been no terrorist attacks since 9-11 this is high. For instance you are 500 times more likely to incur hail damage in Col...
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- 2007-11-13 22:16:19 - Converting an unwanted life insurance policy into ca$h
- Do You Own A Life Insurance Policy That You No longer Need or Want? It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell" A Policy:Family Situations Bankruptcy Estate Reduction Estate Tax Revision Business Was Sold 1035...
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- 2007-11-13 22:16:19 - Health savings accounts
- Most people with health insurance, especially employer paid health insurance, really don't know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use.Most people are locked into a network of doctors. They know what the co-pay is, but have no idea what the doctor actually charges.When ...
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- 2007-11-13 22:16:19 - The awful truth about annuity and insurance leads
- You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop.I was curious, just how good are these insurance and annuity leads? I decided to find out.I'm not going to name specific insurance and annuity lead websites, but I will give you a summary of how it ...
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- 2007-11-13 22:16:19 - Taking the mystery out of long-term care insurance
- Here's the good news: with improvements in medical technology and healthier lifestyles, people are living longer. Life expectancy today has increased to 83 years, up from 78 years in 1940 (The Shopper's Guide to Long-term Care Insurance from the National Association of Insurance Commissioners).However, the longer people live, the greater the chances they will need assistance due to chronic ...
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- 2007-11-13 22:16:19 - Affordable insurance quotes to save you money!
- Whether you're looking for insurance quotes for auto, life, travel or health you can find some great rates on the internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens.Originally health insurance in the United States took the form of a voluntary program. Such programs date from about 1850, when health insurance...