Insurance Articles

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  1. The Reinsurance Industry: An Inside Look (BRK.A)

    Warren Buffett has a major influence on the global reinsurance market, which has seen momentum in 2016 for higher revenue.
  2. Healthcare and the Election: What's at Stake

    When it comes to healthcare and its costs, financial advisors should educate their clients as to what could be at stake during ...
  3. How Terrorism Damages the Global Economy

    The economic impact of more than 1,000 known terror attacks worldwide since 2015 may be larger than most realize.
  4. Top 5 Housing Stocks of 2016 (TOL, DHI)

    Discover what factors are supporting the housing market in 2016. Explore five housing stocks that are well positioned to ...
  5. 7 Ways to Get Cheap Rental Car Deals

    Following these tips can dramatically reduce your final bill.
  6. Eight Financial Safeguards If Disaster Strikes

    In an emergency like a fire, hurricane, flood, tornado or earthquake, you may not be able to protect your home. But you can ...
  7. Leasing a Car? Avoid These 5 Common Mistakes

    If you like driving newer cars and want to spend less money doing it, leasing can be a great option... as long as you avoid ...
  8. The Reinsurance Industry: An Inside Look

    Low demand and high regulatory pressures may be problematic for the global reinsurance market following the shrinking margins ...
  9. Facultative vs. Treaty Reinsurance: Differences and Examples

    Reinsurance companies offer insurance to other insurers in case the traditional insurer does not have enough money to pay ...
  10. SHOP Marketplace: How it Works for Employers

    SHOP is a health care insurance resource available for for-profit and nonprofit small business owners that has a straightforward ...
  11. Behind the Law of Large Numbers in the Insurance Industry

    Discover how the law of large numbers helps insurance companies cope with risk, and why the theory does not always live up ...
  12. A Guide To Financial Designations

    Find out which certifications can bring you the greatest career returns.
  13. How to Use Life Insurance to Manage Legacies

    These are some of the legacy-building ways that life insurance policies can be used.
  14. Here’s Why You May Be Blocked From HSAs Next Year

    A health savings account can help you save for medical expenses, but starting in 2017 it may be harder to get if your insurance ...
  15. Is Life Insurance From Your Employer Enough?

    Covering the needs of the ones you would leave behind is not easy. But efforts to secure a life insurance policy outside ...
  16. 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?
  17. How the Long-Term Care Insurance World Is Changing

    The long-term care insurance market is continually changing and prices routinely go up. This is an overview of what to expect ...
  18. Life Insurance Without Physical Exam: What's the Catch?

    The advantages and disadvantages of medical exam-free life insurance.
  19. How to Navigate the Medicare Maze

    Medicare provides several healthcare services for retirees. Taking a closer look at Parts A and B will help you determine ...
  20. Long-Term Care Policies Are Falling Out Of Favor

    Americans are buying fewer long-term care insurance policies. In response to this trend, the LTC industry is offering new ...
  21. What Is the Best Age to Get Life Insurance?

    Learn about the optimal time for purchasing personal life insurance and why delaying the buying decision may have costly ...
  22. Top 10 Life Insurance Myths

    The most difficult aspect of this complex product is determining how much coverage you need and why.
  23. The Importance Of Life Insurance For Women

    Life insurance can be an valuable tool for women as it is helps with the transfer of wealth and securing a better financial ...
  24. 5 Steps to a Retirement Plan

    These considerations will help you make a realistic and thorough retirement plan.
  25. 5 Mistakes to Avoid When Buying a New Home

    Understand five specific mistakes to avoid when buying a new home.
  26. Mistakes to Avoid When You Own Life Insurance

    How to avoid some common mistakes that can cause tax and inheritance problems when you own life insurance.
  27. Is Travel Insurance a Good Idea?

    Is travel insurance a good idea for your next vacation? This is a look at what policies may or may not cover and when it ...
  28. The Hidden Costs Of Home Ownership

    Mortgage lenders don't factor the extra costs into your loan amount. Make sure you save for the "little" things.
  29. Financial Planning Tips for Infertility Treatments

    Infertility treatments can help couples realize their dreams—at a cost. Luckily, these five tips may reduce the price tag ...
  30. What Are the Different Parts of Medicare?

    At age 65, most people have to sign up for Medicare. Learn which of its four programs are mandatory – and which you can skip.
  31. Top Hacks for Prepping for Late-in-Life Healthcare

    Research shows that people are underestimating their healthcare costs in retirement. Here's how to prepare to deal with the ...
  32. Using Indexed Universal Life for Retirement Income

    Designed properly, indexed universal life insurance can be a great way to save for investors who have the keen ability to ...
  33. 5 Best Car Insurance Providers for Retirees

    Some insurers offer discounts and resources that can significantly lower auto insurance rates for retirees and other seniors.
  34. Should You Buy Private Unemployment Insurance?

    Your state only provides so much – should you purchase additional private coverage to help soften the financial blow? How ...
  35. Watch Out for These Medicare Mistakes

    Sorting through Medicare can be confusing. Here are some potential mistakes to avoid when choosing your plan.
  36. The Scary Truth About Medical Costs in Retirement

    Are you saving enough to cover your medical costs during retirement? Recent research says you're likely not. Here's what ...
  37. The Advantages of Indexed Universal Life Insurance

    An indexed universal life insurance policy can be an all-in-one financial device. Here's why, and here are some of its key ...
  38. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money. ...
  39. Make This The Year You Get Vacation Insurance

    With a few simple policy additions you can protect your holiday plans from being ruined.
  40. How to Outsmart Private Mortgage Insurance

    It's possible to use a second mortgage to avoid this fee, but is it in your best interest?
  41. This is the Key to Financial Success

    The earlier you start planning and saving, the better your chances are of living the lifestyle you want.
  42. How a Death Benefit in a Variable Annuity Works

    A look at how the death benefit in a variable annuity works.
  43. Homeowner’s Insurance Gaps to Watch Out For

    Wind and flood damage. Sewer backups. Sinkholes. What coverage are you missing that could cost you a bundle in repairs?
  44. Avoid This Life Insurance Policy Pitfall

    Life insurance policies need to be reviewed regularly to make sure that the beneficiary you chose some time ago is still ...
  45. The Impact of the Affordable Care Act on State Budgets

    Learn why a substantial increase in Medicaid enrollment may impact state general obligation credit quality.
  46. 6 Reasons to Avoid Private Mortgage Insurance

    This costly coverage protects your mortgage lender - not you.
  47. Understanding the Mortgage Payment Structure

    We explain the calculation and payment process as well as the amortization schedule of home loans.
  48. Prepare Your Finances to Handle Natural Disasters

    The Fort McMurray, Canada, fire is a reminder to take these easy steps to protect your financial interests from natural disasters. ...
  49. Sector Spotlight: Election 2016

    Health care finds itself in the spotlight again this election cycle, bringing uncertainty about three key issues for health ...
  50. Estate Planning: 16 Things Prince (and You) Should Have Done

    The must-do list Prince and his advisors should have completed to avoid leaving his family without a will and an estate plan.
  51. Cheaper Hearing Aids at Last?

    PSAPs have emerged as a cheaper alternative to standard hearing aids, but are they a viable option? Some industry professionals ...
  52. How Linked Benefit Insurance Policies Work

    Linked benefit policies can be a viable alternative to traditional long-term care insurance. Here's how they work.
  53. Should You Buy Critical Illness Insurance?

    This type of insurance adds an extra layer of protection for those with a high-deductible health plan, but the coverage tends ...
  54. How to Get Rid of Private Mortgage Insurance

    Private mortgage insurance benefits the lender (the sole beneficiary of PMI), but it can add a sizable chunk to your monthly ...
  55. Credit (Receivables) Insurance: Does Your Business Need It?

    This type of insurance will reimburse your business if customers don’t pay their bills. It’s not cheap, but some companies ...
  56. Health Care Premiums Rise Faster Than Wages in Recent Years

    Discover why the Affordable Care Act is not fulfilling its intended purpose of lowering health care costs and how Americans ...
  57. Yes, You Can Still Expect Health Insurance at Work

    A recent report from The New York Times says that health plans offered by employers are here to stay, despite the passage ...
  58. Should You Buy A Life Insurance Disability Rider?

    Does it make sense to pay an additional cost for a waiver of premium rider on a life insurance policy?
  59. Do You Need Short-Term Health Insurance?

    Yes, if you've no other coverage options. Here’s what you need to know about how it works and how it differs from employer-provided ...
  60. What Happens If You Lie on a Car Insurance Application

    The majority lies to save on premiums – but consequences can be severe for not owning up to things like tickets, accidents ...
  61. Are Low-Down-Payment Mortgages Better than Paying PMI?

    When you can’t put down at least 20% on a mortgage, you usually have to have private mortgage insurance (PMI). But what about ...
  62. Use Life Insurance to Help Those With a Disability

    Why and how to use permanent life insurance to help provide for a family member with a disability or special needs
  63. How to Protect Your Income No Matter What

    What does it mean to insure your income? Here are a variety of ways to do it and some insights into when it might make sense ...
  64. 5 Reasons to Pay Attention to UnitedHealth's Financials (UNH)

    Find out why you should care about the financial statements for UnitedHealth Group, the nation's leading health carrier, ...
  65. Top 5 Companies Owned by American Express (JBLU, FLWS)

    Read about the most important subsidiaries of American Express Company, including two banks, an insurance company and a fraud ...
  66. How the Affordable Care Act Affects UnitedHealth's Profits (UNH)

    Find out why the public exchanges in the Affordable Care Act, otherwise known as Obamacare, cost America's largest insurance ...
  67. 7 Issues to Consider When Determining Life Insurance Coverage

    Seven issues to consider when buying life insurance to ensure the coverage is tailored to meet your personal financial situation. ...
  68. Do This If Health Insurance Doesn’t Cover Your Bills

    Health insurance doesn't pay enough to help the millions of consumers who are drowning in medical debt. Are there any other ...
  69. Life Insurance With an Increasing Death Benefit

    Why buy a life insurance policy with an increasing rather than level death benefit
  70. Is Medicare Available to Anyone Besides Retirees ?

    People think you need to be 65 before you're eligible for Medicare. But you might be eligible before then. Here's who can ...
  71. How Technology Is Quickly Disrupting the Insurance Industry

    As the insurance industry struggles to deal with the growing pains of a rapidly evolving tech-driven market, opportunities ...
  72. 5 Reasons to Update Your Living Will

    A living will protects you when you can't fully take care of yourself, but the details can be forgotten. Minds change, medicine ...
  73. Did Your State Cut Unemployment Benefits?

    Many of the states now cutting back on unemployment benefits significantly under-funded their coffers prior to the Great ...
  74. Finding the Right Life Insurance

    Learn how to determine the type of life insurance you need and use our calculator to find out how much coverage you should ...
  75. Life Insurance in Your 20s? Here's Why to Buy Now

    Just because 20-somethings feel invincible doesn't mean they don't need life insurance. Here's why purchasing a policy in ...
  76. HMOs: They're Back Under a New Name

    New style HMOs (aka ACOs) are cheaper and have shed some of the drawbacks of older versions. They're worth another look.
  77. Could You Be Owed a Life Insurance Payout?

    If you’re not certain whether or not your deceased loved one had a life insurance policy, it doesn’t hurt to do a little ...
  78. Young & Healthy? Don’t Buy Life Insurance from Your Employer

    Here's why, plus a few exceptions to consider.
  79. 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. ...
  80. Does Buying a Guaranteed Life Insurance Policy Make Sense?

    When does it make sense to buy a life insurance policy that is guaranteed?
  81. 3 Financial Changes That Will Impact Your Everyday in 2016

    Learn about the financial trends in 2016 that may impact everyday life. Understand what driving factors may affect the financial ...
  82. Why Extra Pounds Shouldn't (but May) Raise Insurance Rates

    Extra weight on your frame may tack extra dollars onto your health insurance premiums. But are obese policyholders necessarily ...
  83. 3 Financials Stocks Near Their 52-Week Lows Worth Buying (AXP, DFS)

    Identify several financial sector stocks trading near their 52-week lows that might be worth buying.
  84. Planning for Healthcare

    Planning how to pay for healthcare during retirement is a must—and the earlier you do it, the better. Medicare often fall ...
  85. How New Rules Impact Indexed Universal Life Sales

    Indexed universal life insurance is growing in popularity. Here's how recently enacted new rules will effect the sale of ...
  86. China Life Insurance Stock: A Dividend Analysis (LFC)

    Review the dividend policy and balance sheet for China Life Insurance Company Ltd., one of the largest insurance companies ...
  87. 3 Reasons to Avoid Term Insurance

    Find out the reasons why term life insurance may not be for everybody, and why you may want to avoid it in favor of a permanent ...
  88. How Index Universal Life Insurance Works

    Understanding how Equity Index Universal Life Insurance policies work and if you should buy a policy.
  89. 3 Big Medical Costs and How to Protect Against Them

    Without a plan, an unexpected injury or chronic disease will cost you.
  90. Car Insurance Rates Too High? Check the Record

    Your driving history is clean as a whistle yet your premium has shot up. Here’s how to find out why – and what you can do ...
  91. Long-Term Care: How and Why You Should Plan for It

    The likelihood of needing long-term care is higher than most people realize. Here are some ways to plan for it.
  92. Understanding Life Insurance Premiums

    When buying permanent life insurance, what amount of premium should you pay for the coverage?
  93. How To Buy Long-Term Care Insurance Cheaply

    Consumers looking for long-term care insurance shouldn't have to pay full price. Despite the sometimes-hefty costs, there ...
  94. 6 Unexpected Ways to Lower Your Car Insurance

    Sure, daytime running lights and defensive driving classes can reduce rates. Everyone knows those factors; these are the ...
  95. 4 Reasons Why Waiting To Buy Life Insurance Is a Bad Idea

    Understand the benefits of applying for and securing life insurance coverage while you are young and healthy, and learn the ...
  96. Top 3 Financial Steps to Take on Disability

    Going on disability can be a stressful time financially. Here are 3 steps to take on disability to help protect against significant ...
  97. How to Pick a Health Savings Account Custodian

    You have options in choosing the manager of your HSA, even if the account is through your employer. What to look for in ...
  98. Do You Need Life Insurance For Your Child?

    Taking out life insurance for a child is hard to imagine, but having it can do more than just give you peace of mind.
  99. The 7 Hottest Travel Destinations for 2016

    An overview of the hottest travel destinations for 2016.
  100. Universal Life Insurance: Dangers for Retirees

    This type of permanent life insurance is often touted as a source of income, but using it that way is full of traps. So, ...
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