Insurance Guides

To many families, a pet can bring love, companionship, and security to a home. With this relationship comes a responsibility on behalf of the owner to provide for their pet's proper veterinary care; whether it's a routine checkup or an emergency. Purchasing a pet insurance policy can oftentimes help ease that financial burden.

Back in 1998, the Patient’s Bill of Rights established an office of the Insurance Ombudsman in each state across America. The provisions of that Bill were to apply to all health care plans. The Bill included provisions such as access to care, monitoring the quality of care offered, protection of patient information, and a process for grievances and appeals.

Also referred to as trip cancellation insurance, travel insurance compensates policyholders for nonrefundable expenses. For example, if the trip needs to be canceled for some unexpected reason, and the expenses such as airline tickets are nonrefundable, the insurance company will compensate the traveler for their monetary losses.

Federal law now makes it easier for everyone to buy and own long term care insurance. That's because it's easier for states to start programs that help reduce the worry, and stress, of paying for long term care.

In January of 2008, the Treasury Department first announced plans to offer prepaid debit cards for recipients of Social Security. Coamerica Bank was chosen as the debit card issuer, and the Direct Express card provides users with safer and more convenient access to their Social Security benefits when compared to paper checks. In this article, we're going to explain the benefits of choosing the Direct Express debit card versus paper checks. We'll also quickly cover the fees that can be charged when using the card, as well as information that explains where applicants can go to sign up for the...

Nearly all homeowners or automobile insurance policies can provide liability protection too. Unfortunately, this is oftentimes an overlooked or ignored option. That's unfortunate, because liability insurance can play a critical role in protecting the owner's assets.

Our free insurance calculators generally fall into one of three types of tools: life insurance calculators, disability calculators, and miscellaneous calculators of various types. You can use these calculators to get an estimate of the insurance needs you might have prior to consulting with an insurance carrier.

This simple life insurance calculator can be used to obtain an estimate of how much life insurance you need. The calculator provides the user with a simplified estimate that is based on your monthly living expenses, future expenses, outstanding debt, and assets.

This long term care calculator can help you to estimate the funds you might need to provide long term care (LTC) to a loved one. The calculator uses the average daily cost of long term care / nursing home care, the projected number of years spent in a home, and the projected annual increase in LTC costs to determine if any funding gap exists.

This life insurance calculator figures out the level of life insurance you might need based on your earning potential or the income you provide to your family. The calculator uses your current salary, fringe benefits, along with your expenses to estimate your life insurance needs and potential insurance gaps that may exist.

You can use this free health care costs calculator to compare healthcare options that you might be offered at work or when comparison shopping for health insurance. This calculator allows you to compare two health care plans at a time, with consideration for monthly premiums, copayments, deductibles, and coinsurance payments.

This future long-term care cost calculator can help you to estimate the funds you might need, and the annual savings necessary, to provide long-term care (LTC) to a loved one. The calculator uses the annual cost of long-term or nursing home care, years spent in a home, annual increase in LTC costs, funds saved, and rate of return on those savings, to determine if any funding gap exists.

This disability insurance calculator can help you to estimate how much disability insurance you might actually need. By examining your present income sources, as well as any potential disability income sources, the calculator can provide you with an approximation of any possible disability insurance gap.

This comprehensive life insurance calculator can be used to get a fairly detailed estimate of how much life insurance you need. The calculator breaks down insurance requirements into several categories including basic living expenses, significant future expenses, outstanding debt, and assets. Based on your stated needs and present assets, the calculator is able to provide an estimate of any unmet additional life insurance needs.

No one will ever admit they’re a bad driver, so let’s assume you want to dive into the gripping world of car insurance because you’ve had a few bumps on the road and you’re a sensible human being. Now, would you please pull over and have a look at Otto car Insurance.

Insuring an automobile is more than just a good way to protect an investment. It's also a good way to protect people too. In most states, owners are legally required to carry insurance to protect passengers, people that might be injured by the car, and damages it might cause to property. In this article, we're going to discuss why consumers need automobile insurance, as well as the categories of protection offered to individuals. We'll also talk about some of the factors companies will use to determine policy premiums.

Everyone that’s driven a car understands that insurance is a good way to protect their investment. In fact, leasing agencies and lending institutions will usually require the purchase of an insurance policy to protect their investment too. After all, until that lease is up, or the car loan is paid off, those companies are part owners of the vehicle.

Details Last Updated: Monday, 01 March 2021

Even if a community has never experienced widespread flooding before, purchasing flood insurance is something every homeowner should consider. Many owners mistakenly believe their homeowners insurance policy provides flood insurance. Renters often make the same mistake, thinking that they don't need coverage, but this isn't always true.

While many of us don't like the idea of paying our insurance premiums each year, we are always glad we did when we need to file a claim. But how many of us even think about buying insurance against disasters? We might even be lulled into complacency because we're thinking that our existing homeowners insurance policy protects us against natural disasters. But as we'll soon explain, that's not always the case.

Anyone that leases or rents an apartment, condominium, duplex, or house, should consider purchasing renter's insurance. The landlord's homeowners policy should cover damages to the building, but this coverage does not protect the belongings inside the structure or protect the renter from liability claims.

Whenever buying insurance, it's always a good idea to shop around. When it comes to home insurance quotes, there are a few simple guidelines that can help families to compare policies. Comparison-shopping can save hundreds of dollars on annual premiums, and perhaps even thousands of dollars when filing an insurance claim.

Details Last Updated: Monday, 01 March 2021

On December 8, 2003, Congress passed a comprehensive Medicare prescription drug program, known as Medicare Part D. This program was aimed at providing Medicare recipients with prescription drug insurance.

Some people would argue there is a national healthcare crisis here in the United States, and low cost health insurance should be available to all citizens. While that last statement is certainly debatable, we'll address the issue of low cost health insurance in the article below. We're going to do that by first highlighting some recent health care statistics, including health insurance coverage. For those individuals that are looking for some low cost options, we'll explain how to figure out if a family qualifies for low cost, or no cost, health insurance. We'll also explain where to find information...

Individuals receiving health care benefits through Medicare frequently search for additional supplemental insurance, also known as Medigap and / or Major Medical coverage. These plans are sold by private companies to fill in coverage "gaps" in the original insurance program.

Medicare is an important health insurance program run by the federal government that provides for both hospital care (Medicare Part A), medical care (Medicare Part B), and prescription insurance (Medicare Part D). In this article, we are going to discuss eligibility rules, and some of the more common terminology found within this program.

Medicare is a federally sponsored health insurance program for people aged 65 and over, those with certain disabilities, and individuals with permanent kidney failure. In this article, we are going to focus on Medicare Part A: hospital insurance. We'll talk about the enrollment process; provide the most recent premium information, as well as deductibles and coinsurance payments.

Personal health insurance plans can often be expanded to provide coverage for the entire family. If a household is growing, and there's a need to purchase additional health insurance, there are several important factors to consider before buying a policy or adding family members to an existing policy.

Medicare is a federally-sponsored program designed to provide individuals age 65 and older, and those with qualifying disabilities, with health care insurance. The entire program is split into several parts. Medicare Part B is medical insurance that helps participants pay for the costs of doctor bills and outpatient medical care. Part B also covers some of the medical services that Medicare Part A (hospital insurance) doesn't cover.

Short-term healthcare insurance may be of interest to individuals that are between jobs, or waiting for a new healthcare policy to come into effect. Because it's sold as short-term insurance, the benefits and costs will be different than "standard" insurance policies. Therefore, the expectations of the policyholder should be different too.

According to government statistics published in September 2019, nearly 12.8 million Americans buy individual health insurance policies because they cannot get group coverage where they work, or do not qualify for federal programs such as Medicaid or Medicare.

If anyone ever says it's easier to run your own company, they're forgetting about the benefits an employer provides for their employees, including health insurance. Think it's easy for the self-employed to find inexpensive health insurance? Think again.

When it comes to health care coverage, there are really only two options: individual and group health care plans. In this article, we're going to talk about the group coverage options that might be offered at large companies, and how small businesses can join together to offer group health care to their employees too.

In an attempt to save students from unexpected medical bills, colleges and universities are oftentimes requiring student to carry health insurance. This coverage also helps university medical hospitals to avoid losing money when students can't pay their bills. Recent surveys indicate that between 10 and 30% of students do not have any healthcare insurance.

A topic that's not an easy one to talk about is life insurance. Adding to this stress are aggressive agents, which can make this subject difficult to discuss in an objective manner. As consumers, the most important fact to keep in mind is this: a life insurance policy is an important part of every family's financial contingency plan. In this article we will talk about different life insurance policies, however, if you would like to go deeper, you can read one of our articles on life insurance statistics.

Details Last Updated: Monday, 01 March 2021

Details Last Updated: Monday, 01 March 2021

Perhaps the most affordable way to provide for the financial security of loved ones is by purchasing term life insurance. It's a policy that's oftentimes described by insurance carriers as protection for those that cannot afford permanent insurance. That's because, by nature, term life insurance is usually guaranteed for intervals such as 10, 20 or 30 years.

Details Last Updated: Monday, 01 March 2021