Recent Articles
How To Perform a Disability Insurance Comparison
As disability insurance will help to replace lost income under a number of given circumstances, it is advisable that you try not to scrimp on important benefits. That means that you need to perform a disability insurance comparison. Unlike shopping for car insurance, when looking for a good disability insurance provider, you should first [...]
Long Term Disability Insurance: the often overlooked or misunderstood piece of protection
A great deal of confusion exists regarding short and long term disability insurance. The problem exists with the use of the words “long term” versus “short term.” Some people think long term means it will take care of you forever, while others mistakenly assume it means nursing home care. In actuality, neither is true. Individual, [...]
Disability Insurance Basics
When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But it can happen. The odds are that one in three working Americans will become disabled for 90 days or more before age 65. Your chance of becoming disabled is much higher than your chance of dying during your working years. [...]
What Is Disability Insurance?
Disability insurance provides you income if you are no longer able to work due to accident or illness. It allows you to continue paying your bills, even if you are not able to work. Disability income insurance is one of the most important ways to protect your family and assets. Should I Get Disability [...]
Disability Insurance
Your ability to work and earn income is probably your most valuable asset, which needs to be insured. Disability Insurance, or Disability Income Insurance, is an insurance product that provides you with a portion of income in case you become injured or sick, and as a result, unable to work and earn your salary. It [...]
Should You Buy Flood or Earthquake Insurance?
The chances are slim, right? Most homeowners never experience the kind of destruction that goes with a major flood or earthquake. But if a disaster does strike, the last thing you want to find out is that your homeowners insurance doesn’t cover the damage. Your Homeowners Policy Has You Covered… Right? Actually, your homeowners policy [...]
Should You Have a High Deductible?
To save on insurance premiums, many homeowners take out policies with very high deductibles. Is it right for you? How You Save Many homeowners take out policies to protect their homes and belongings from natural disasters and other catastrophic events. A higher deductible on your homeowners insurance policy means paying less in monthly premiums. But [...]
How Much Homeowners Insurance Do You Need?
How much homeowners insurance you need depends on what your home and its content is worth. The amount is different for everyone, but there are some general guidelines you can follow to come up with a good estimate. Replacement Cost Or Cash Value Policy? There are two popular types of homeowners plans to choose from, [...]
Save Money By Reducing Your Home’s Risk
One of the best ways to save money on your homeowners insurance policy is to reduce the risks your home faces. Some risks are beyond your control. Natural disasters and “acts of God” are things that no homeowner can predict. But there are things you can do now to lower your risk and save money [...]
Should I Get A Rider For My Homeowners Policy?
Your homeowners insurance policy covers your property from risks like fire and theft. But it may not cover as much as you think. If you own any property that has special value, you may need to get riders on your homeowners policy to protect it. Riders Are Extra Coverage Riders – sometimes also called endorsements [...]