Do I Need Travel Insurance? (27 Jun 2006) Does your health insurance policy cover you abroad? Do you need travel insurance because of illness?
Do Insurance Premiums Increase Every Year? (27 Jun 2006) Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple...
Do You Know What The 7 Home Insurance Plans Are? (27 Jun 2006) Most people don't realize that there are 7 different homeowners insurance plans that insurance companies can offer. Each plan is different from the other 6 based on the circumstances that it covers. Additionally if consumers are familiar with any of the plans it would be plans that involve parts of option 2 and option 3. You'll see why as I explain each plan in more detail below.
Do You Pay Too Much For Your Car Insurance? (27 Jun 2006) Do you pay to much for you car insurance? Do the premiums just seem to get higher and higher every year? It is amazing how many people just receive their insurance renewal when it is sent out each year and pay it off without a second thought!
Do You Really Need Life Insurance (27 Jun 2006) Life insurance is one of those taboo subjects for normal, casual or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on the highway, or otherwise find themselves in a situation where they are likely to be rated or declined by an insurance company, they suddenly develop a desire for a good life insurance policy. To give credit where credit is due, there are some thoughtfully disciplined people who give their portfolios regular review and make certain they have adequate coverage at all times.
Does an HSA Cover Alternative Medicine? (27 Jun 2006) Over seventy percent of Americans use some form of alternative medicine, from chiropractic to herbs to yoga to naturopathy. This article explores whether the new Health Savings Account (HSA) is able to help us use alternative medicine.
Educated Choice (27 Jun 2006) How to control health care costs continues to dominate discussions among benefit administrators, chief financial officers, CEO's, insurance brokers and health benefit companies. When you lower your costs, your employees often react by thinking they will receive fewer benefits. Offering a choice of plans, having a sensible contribution strategy and providing employee education can hold costs down and satisfy employees.
Eleven Money-Saving Auto Insurance Tips for Senior Drivers (27 Jun 2006) Like all drivers, senior citizens (or as I like to call them "seasoned citizens") want to get the best rates on their auto insurance policies. What they may not be aware of is that older drivers may present a higher risk than other drivers, usually leading to higher auto insurance rates.
Entrepreneurs, Fill in the Gaps of Your Homeowners Policy (27 Jun 2006) Suppose your home office gets hit by a bolt of lightening (it happens). The loss from damage to your house, computer and loss of income amounts to 50,000. If your homeowners insurance discovers that you were running a business from that room, and if they sent an adjuster they certainly would, they have the right to refuse any coverage.
Everything You Need To Know About Choosing A Health Insurance Plan (27 Jun 2006) The purpose of health insurance is to protect you from the alarming cost of medical care by providing you with insurance coverage for specified health and medical care services. Generally, you will pay a monthly premium, a deductible, and co-payments for services you receive. The cost for insurance is significantly less than if you had to pay for medical care out of your pocket. There are three basic types of health insurance, fee for service, consumer-directed, and managed care. These basic types of insurance plans cover hospital, medical, and surgical expenses, and depending on the particular plan you choose, possibly prescription drugs, mental/behavioral care, and dental.
Exposing the Car Insurance Quote Mystery (27 Jun 2006) Avoid the shock of high car insurance quotes, keep your credit in check, be careful on the road and choose a car that fits your budgets.
Factors That Affect Your Car Insurance Premium (27 Jun 2006) 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...
