Recent Articles
Health Insurance For Self-Employed People
When you work for yourself, one of your challenges is finding health insurance. Keeping yourself healthy is important. Then again, a health insurance policy can put your overhead so high that your profits dry up. But it doesn’t have to. If you shop around and compare plans from several agents, you can find a plan [...]
Saving Money On Auto Insurance
You just got the bill for your annual auto insurance premium in the mail. Not exactly jumping up and down with joy, are you? That’s not surprising. The average auto insurance policy costs several hundred dollars a year. And depending on your driving record, age, and where you live, you could wind up with a [...]
Buying Individual Health Insurance
Individual health insurance has been getting more and more popular over the last several years. Not so long ago, individual health plans were something only self-employed people bought. Almost everybody expected to get health coverage through their job. But times have changed. Fewer and fewer companies are offering their employees coverage, so more people are [...]
Point of Service Plans
These days, people shopping for health insurance have plenty of options. Point Of Service plans, or POS plans, are a combination of managed care and traditional “indemnity” coverage. They give you savings and choice — the best of both worlds. Two Levels Of Health Coverage Like an HMO plan, in a POS plan [...]
What Is Managed Care?
Managed care health plans give you affordable access to top-quality health services. Manage care plans connect you with networks of highly-qualified doctors, hospitals, and specialists. And they feature affordable premiums and low out-of-pocket costs. Get free quotes on managed care health plans… Managed care was introduced as a way to bring healthcare costs under control. [...]
Filing Auto Insurance Claim
Having an Auto Insurance coverage does not save you from car accidents, neither does it give you a right for reckless driving. Almost every motorist has been involved in a major or minor accident or incident at least once during their driving history. Even if you are a very careful driver, odds are that not [...]
Increasing/Decreasing Term Insurance
Among the regular varieties of Term Life Insurance there are two types under which the cost of the coverage either increases or decreases over the term period thus resulting in Increasing or Decreasing Term Insurance plans correspondingly. With Increasing Term Insurance the benefit amount you are exposed to automatically increases each year of your term [...]
Level Term Insurance
Level Term Insurance is a type of Term Life Insurance under which both the premium and the face value remain the same throughout the premium-paying period you select for yourself, be it 5, 10, 15, 20 or 30 years. Quite naturally, the period of coverage is predetermined by an individual need for Life Insurance and [...]
Universal Life Insurance
A fairly new form of life insurance, universal life is a kind of permanent policy that features flexible premiums. The big selling point behind universal life is your ability to raise or lower the value of the policy, depending on the amount of the premium you want to pay. Get the Flexibility You Need A [...]
What Is Cash Value?
Permanent life insurance has an attractive feature: it has a “cash value.” The cash value is the amount the policy is worth if it is cancelled or “surrendered” while you’re still alive. The cash value won’t be as much as “benefit value” — the amount the policy would payout when you pass on. But the [...]