Insurance Articles

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  1. Extreme Mortality Bonds: High Risk and High Reward

    Insurance companies issue extreme mortality bonds to cover their losses in the event of a large-scale disaster. Here's a ...
  2. How to Defray Long-Term Care Expenses

    Here's a handful of options on what you can do to defray long-term care expenses.
  3. Top 3 Ways to Manage Lump-Sum Windfalls

    Have you just had a load of money drop into your lap? If so, several enviable options are available to you. Which one is ...
  4. The Importance of Healthcare Risk Management

    Risk management is especially important in healthcare because human lives might be on the line. Here are some strategies ...
  5. Tips for Insuring Your Salary

    Those with high incomes really can’t afford to be without disability insurance. Here's why.
  6. Medicaid and Nursing Homes: A Quick Guide to the Rules

    Medicaid can cover the costs of a long-term healthcare facility, if you qualify. But that's a big if.
  7. IRS Sets 2016 HSA Deduction Limits

    Contribution limits for HSA plans have increased slightly for 2016. Here's a breakdown of what they are and how they work. ...
  8. The Best Way to Insure Your Jewelry

    What you need to know to keep those baubles, bangles and beads safe.
  9. Did Obamacare Make Premiums Go Up?

    A careful look at data from nonpartisan sources suggests that any increases have actually been modest by historical standards. ...
  10. Who Needs Extortion Insurance?

    Insurance can help mitigate the financial damage of an extortion plot, but it’s important to read the fine print before taking ...
  11. Indexed Universal Life Insurance: The Pros & Cons

    What you need to know, to see if these vehicles fit into your financial plan.
  12. What Is the Pharmacy Benefit Management Industry?

    PBMs, acting as third party administrators and negotiators, are essential to facilitating transactions between the moving ...
  13. Why Is Health Care So Expensive In The Us?

    The U.S. is the world leader in only one area of health care: costs. Why is it so hard to rein in these expenses?
  14. Do You Need Kidnap & Ransom Insurance?

    Americans working abroad – and high-profile individuals traveling frequently in kidnapping hot spots – should consider this ...
  15. A Guide To Kidnap & Ransom Insurance

    Every year, thousands of people are kidnapped for ransom all over the world. This insurance offers protection – and peace ...
  16. Should I Insure My Wedding Ring?

    It depends, in part, on the ring's value and your current insurance coverage. Here's a guide to making a decision that's ...
  17. How To Insure Your Wedding Ring

    Read on for everything you need to know to make sure this precious possession is covered against theft, damage, loss and ...
  18. Is My Health Insurance Good In Another State?

    Under ACA, is health care insurance something you can take with you state to state?
  19. How Advisors Can Help When a Service Member Dies

    Finances are probably last thing that survivors of our nation’s deceased service members want to deal with. Here's what advisors ...
  20. Are Annuities Right for You?

    Annuities are safe and often appealing, but IRAs and 401(k)s offer advantages that annuities typically can’t match, with ...
  21. Should You Insure Your Wedding Dress?

    It can be money well spent that ensures your gown is ready for your big day. Plus, insurance covers a groom's and other attendants' ...
  22. 3 Reasons To Get Umbrella Insurance

    A relatively small annual premium can buy you a lot of peace of mind. In today's litigious society, that's money well spent.
  23. 7 Industries Benefiting From Obamacare

    Though the medical industry fears government intrusion, certain sectors in healthcare will benefit from Obamacare in the ...
  24. How Obamacare Affected The Insurance Industry

    A look at the past five years shows that far from suffering at the expense of greater health benefits for average Americans, ...
  25. A Quick Guide To Landlord Insurance

    ...And why landlords need it, even if they also have homeowners insurance.
  26. How To Avoid Common Health Insurance Scams & Fraud

    A few precautions is all it takes for you to avoid being a victim of – or an unwitting accomplice to – health insurance con ...
  27. High-Income Benefits From A Health Savings Account

    Health savings accounts are the only tax break offering triple benefits. Here's a look at how they work.
  28. Top Healthcare Stocks Rallying Under Obamacare

    The healthcare industry, bullish via Obamacare, has plenty of stocks with major upside.
  29. Indexed Universal Life Policies: Watch These Risks

    By properly vetting indexed universal life policies, advisors and savers can avoid contracts that could prove overly costly ...
  30. Obamacare: Can it Be Repealed?

    Attempting to repeal Obamacare is a yearly ritual for House Republicans, but trying again in 2016 or beyond could create ...
  31. An Advisor's Guide to Prof. Liability Insurance

    A guide to what financial advisors need to know about professional liability insurance.
  32. India's Two-Child Policy

    As of 2014, 11 Indian states have passed laws to restrict Indian citizens from having no more than two children.
  33. Tips for Helping Clients with Life Insurance Needs

    Life insurance needs will likely change over the client’s lifetime and again financial advisers can provide an objective ...
  34. Top 10 Travel Health Insurance Companies

    Before you take a long trip abroad – or move there – make sure you have enough health coverage. That goes double if you go ...
  35. How UnitedHealth Group Makes its Money

    Here's how UnitedHealth Group, poised to grow even more, rakes it in.
  36. Auto Insurance: Paying By The Mile Vs. Monthly

    Would you benefit if you bought your auto insurance by the mile instead of simply paying a flat monthly premium?
  37. Don't Lose Your Wealth Due To Healthcare Costs

    This article will highlight the use of an ILIT type of trust to protect wealth in the case of serious illness and transfer ...
  38. How Auto Insurance By The Mile Works

    If you don't drive much, would auto insurance cost less if you paid by the mile? Consumers in some states are finding out.
  39. Is My Health Insurance Good Abroad?

    Which emergencies will your health insurance cover (or not cover) if you get sick in a foreign country? Here's how to protect ...
  40. How Big Data Has Changed Insurance

    No longer confined to technology, big data has become integral to providing solutions to the insurance industry's long standing ...
  41. How Big Data Has Changed Healthcare

    Like many other industries, healthcare has adapted to data analytics not only for its financial returns but also improving ...
  42. How to Fund Retirement with Insurance

    So you've contributed the max to all available retirement vehicles...now what? Consider a permanent life insurance policy ...
  43. 10 Must-Know Questions To Ask A Home Seller

    To get a sense of what the home you're considering buying is really like, it helps to talk to the seller.
  44. IUL Insurance: An Alternative Retirement Plan?

    Indexed universal life insurance is the rise. But critics argue that wisely allocated IRA and 401(k) funds will normally ...
  45. Is Personal Legal Insurance A Good Deal?

    Some employers offer personal legal insurance as an opt-in benefit. Would it make sense for you?
  46. Is It Safe To Be Without Umbrella Insurance Today?

    At low cost, you can buy significant extra liability coverage in case you're sued due to an accident or other trouble. See ...
  47. Homeowners Insurance Losers: States That Pay Most

    Which states charge you the most for homeowner's insurance? Hint: They're regularly featured on the Weather Channel.
  48. What Pet Insurance Actually Covers

    If you buy insurance for your pet, what will it cover – and what will you still have to pay for?
  49. Is Pet Insurance Worth The Price?

    Should you insure your pet? Here's how pet insurance works and how to decide if it's worth buying this coverage.
  50. Helping Clients Choose Long-Term Care Insurance

    The need for long-term care has become an inescapable (and pricey) issue for retirees. Here's what financial advisors can ...
  51. 3 Things That Could Hold Intuitive Surgical Back

    Taking a long-term view that favors Intuitive Surgical developer increasing in value, doesn't mean that there are near-term ...
  52. Life Insurance: How Much Does Age Raise Your Rate?

    If you need life insurance, try to get it before your next birthday. Here's why.
  53. Healthcare: What Are You Really Paying For?

    Long-term care costs rise fast and long-term care providers bundle services together, making it tougher for families to understand ...
  54. 4 Myths You Don’t Know About Medicare

    Here are four common misconceptions about Medicare, the federal government’s health insurance program for people who are ...
  55. Does the Middle-Class Need LTC Insurance?

    Long-term care insurance is as expensive as it is necessary for many people, but is it right for all financial advisor clients?
  56. What Happens If Your Insurance Company Goes Bankrupt?

    When insurance companies go bankrupt or face financial difficulty, it's bad news for policy holders.
  57. Which States Have the Cheapest Home Insurance?

    You can't choose where you live by its insurance rates. But if you did, these are the states to pick.
  58. Obamacare Penalty: What Actually Happens (& When)

    If you didn't have health insurance last year – or miss this year's deadline – how is the Affordable Care Act penalty enforced?
  59. Beat The Deadline! Cheap Choices in Health Insurance

    Sign up by February 15 - or else pay 2015's higher tax penalty. If you miss the deadline, there are exceptions.
  60. Finding The Best Health Insurance You Can Get

    A close look at the pros and cons of Aetna vs. Cigna PPO health insurance helps you decide what's important for you.
  61. Avoid The No-Health-Insurance Penalty By Feb 15

    If you don't have health insurance, act NOW or you could owe penalties on your 2015 taxes, in addition to this year's.
  62. Rating Assurant Prepaid Vs. Delta PPO dental plans

    As more consumers – and dentists – join insurance plans, here’s help in choosing benefits that are right for you.
  63. Who (Besides Retirees) Can Get Medicare?

    People think you need to be 65 before you're eligible for Medicare. But you might be eligible before then. Here's who can ...
  64. Should You Borrow From Your Life Insurance?

    A loan against the cash value of your life insurance isn't the best way to raise money – but sometimes it's the best choice ...
  65. Life Insurance: How Long Does It Take To Get Paid?

    How to file for a life insurance payout – and how long it takes to receive it. Plus, new ways to plan for payments that provide ...
  66. Choosing A Health Plan For Your Chronic Illness

    Thanks to the Affordable Care Act, you can no longer be denied health insurance for having a pre-existing or chronic medical ...
  67. Does That Dental Insurance Have Cavities?

    Four key factors to check out before you just sign up for dental insurance. The coverage could be really worth it – or not.
  68. How Good An Investment Is Life Insurance?

    Compared to other options, does it ever make sense to include cash-value life insurance in your investment portfolio? A look ...
  69. Tips for Finding Affordable Health Insurance

    One of the easiest ways to save money is to compare health plans sold on an exchange and those sold directly through an insurer. ...
  70. 4 Steps to Finding the Right Health Plan

    Consumers buying health insurance on the individual market have more choice than ever. These steps can help lead you to the ...
  71. 4 Smart Ways To Get Health Insurance In College

    These days, those attending college have plenty of ways to get affordable medical insurance, from student health plans to ...
  72. The Smart Way To Use Life Insurance For Retirement

    Here's how to incorporate life insurance into a plan to ensure that you and your family have the smoothest possible transition ...
  73. You Could Own A Mercedes Without Knowing It

    Thieves are now using stolen identities to lease or buy new vehicles, drive them off the lot, then disappear without making ...
  74. Stock Safety: Top 3 Ways to Limit Your Losses

    First time stock investors may ask, is there any way to buy insurance on stocks to prevent losses?
  75. Can You Buy Stock Insurace? 3 Strategies to Limit Stock Losses

    Investors can use derivative securities to effectively buy insurance on their individual holdings or on their portfolio as ...
  76. Health Open Enrollment: Read This Before You Renew

    Time to renew your health plan – or shop for a new one for 2015. Here's how to get the most from marketplace open enrollment ...
  77. 5 Ways To Ace 2015's Health Insurance Marketplace

    Not sure how the Health Insurance Marketplace/Exchange works? Here are 5 ways to avoid frustration when enrolling through ...
  78. 'Donut Hole' Essentials For The Financial Advisor

    The Medicare Part D donut hole can confound the best of us. Here's what financial advisors and their clients should know.
  79. Is Burial Insurance A Ripoff?

    Term or whole life insurance is usually a better deal than burial policies. Here's why.
  80. Finding The Cheapest Burial Insurance

    And is even the least costly burial insurance a good buy? Be sure to compare it against term life or permanent life before ...
  81. Steer Clear of Over-Priced Gap Insurance Providers

    Major insurers will generally give you a better deal on gap insurance than a car dealership. But watch for gaps in gap coverage. ...
  82. Medigap Insurance: Who Needs It?

    You already have Medicare. Why would you need to spend more money on Medigap? Here's why.
  83. Do Drivers Really Need Gap Insurance?

    Gap insurance is worth it for drivers who are significantly upside-down on their car loan. That includes lessees and buyers ...
  84. Get Up To Speed On Car Gap Insurance

    It covers the shortfall if your car is stolen or totaled, and insurance pays less than you owe on your loan. Dealers may ...
  85. 7 Factors That Affect Your Life Insurance Quote

    While age and gender have the most impact on your life insurance premiums, even your family medical history and hobbies can ...
  86. For Life Insurers, Making Money Is A Numbers Game

    Life insurance is a data-driven industry that relies on complex financial models to predict future expenses and income from ...
  87. Top 10 Money Mistakes New Parents Make

    Although having a child is an exciting and exhilarating experience, it is very easy to lose track of finance or make unwise ...
  88. Credit Cards With Travel Insurance

    Some credit cards offer travel coverage, which may include trip cancellations, lost baggage and rental-car damages. Just ...
  89. Flight Insurance Can Take The Worry Out Of Flying

    If paying for a missed flight or lost baggage is prohibitive, obtaining some flight insurance might just be a good idea.
  90. Insurance Myths Involve Houses, Cars & Big Crashes

    Any confusion over what to buy or how to use a product can end up being costly, but when it comes to insurance, misunderstandings ...
  91. Rental Property: Getting Rich Means Taking It Slowly

    I have two second cousins who serve in the military. We don't always talk much, though. The age gap can be a roadblock and ...
  92. When To Drop Collision -- And Risk It All

    Thinking about dropping the collision coverage on your trusty but aging jalopy? You're most likely to do so after the car's ...
  93. How the Affordable Care Act Changed Insurance

    6 Ways Obamacare Impacts the Health Insurance Marketplace
  94. Why You Don’t Need Mortgage Protection Life Insurance

    Mortgage protection life insurance sounds great in concept - a guarantee that your mortgage will be paid off if you die unexpectedly. ...
  95. Insurance Tips For Homeowners

    Use these simple ideas to save money and get better coverage for your house.
  96. Health Insurance: Paying For Pre-Existing Conditions

    If you bring a pre-existing condition to a new insurer, you may find yourself without coverage.
  97. Health Insurance Tips For College Students

    Why buy for health insurance when your parents' policy can cover you? Read on to avoid paying twice.
  98. Don't Be Misled By Investment Advertising

    Investment companies and brokers want to sell. Unfortunately, this can result in promotional material that is not entirely ...
  99. A Look At Single-Premium Life Insurance

    Want to provide for your dependents and finance your own long-term care? Learn more here.
  100. 5 Services To Usher In New Clients

    Discover ways in which advisors are increasingly choosing to promote their businesses.
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