Insurance Articles

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  1. Accuquote vs. Selectquote: Which Website Is Better?

    Accuquote and Selectquote are websites offering insurance quotes to consumers. Learn about the products and educational materials ...
  2. Mylan’s Sneaky EpiPen Maneuvers

    Drugmaker Mylan has become a target of criticism in response to claims that it’s engaging in sneaky EpiPen maneuvers to shield ...
  3. How Life Insurance Can Help With Liquidity

    Life insurance can provide liquidity in personal and business situations when access to capital is essential. Learn how to ...
  4. Protecting Your Assets from Contingencies

    It really doesn't matter how well you've saved or invested if your assets aren't protected.
  5. The Crippling Cost of Self-Insuring Long-Term Care

    Covering the cost of long-term care without insurance can deplete retirement savings quickly.
  6. 10 Best Life Insurance Companies of 2016 (MCO, PRU)

    The 10 best life insurance companies of 2016 have strong financials, longstanding brands and excellent reputations for customer ...
  7. Top 5 Health Insurance Providers for the Self-Employed (HUM, AET)

    Under the ACA, the self-employed have more health insurance options than ever before. Find out which providers offer the ...
  8. AET: How Aetna's Stock Price Rose 13% in 6 Months

    This review of an analysis of Aetna's stock price performance through the first part of 2016 explains the stock's general ...
  9. How to Find the Best Life Insurance Agent

    Choosing a life insurance agent is the first and most important step in obtaining coverage. Buyers should pay attention to ...
  10. Insurance Do's and Don'ts for Young Doctors

    These are the insurance do's and don'ts for young medical professionals.
  11. Life Insurance Replacement: Rules, Laws & Regulations

    When replacing a life insurance policy, a lot can go wrong for the consumer. Find out how life insurance replacements are ...
  12. Individual vs. Group Health Insurance: What's the Difference?

    The Affordable Care Act requires all Americans to get health insurance through employers or the federal exchange, and differences ...
  13. How Smokers Can Obtain Life Insurance

    Smokers pay higher premiums for life insurance than nonsmokers. However, they can still find a great deal by shopping around ...
  14. Cash Value vs. Surrender Value: What Is the Difference?

    How much you actually receive from the cash value of your life insurance policy is based on the surrender value, which can ...
  15. Life Insurance for a Newborn Baby

    In most cases, this is unnecessary, though a small policy offers benefits in certain cases.
  16. How Seniors and the Elderly Can Obtain Life Insurance (MET)

    As life expectancy increases, various life insurance options are available for applicants older than the age of 50, even ...
  17. How Life Insurance Can Help With Cash Accumulation

    Did you know permanent policies also offer the prospect for reasonable cash value accumulations?
  18. How Utmost Good Faith is Applied in Practice

    The principle of utmost good faith is an articulation of the need for both parties to act in a completely open and honest ...
  19. Buying a Life Insurance Policy? Read This First

    Knowing who needs life insurance, how it works and the different types of insurance can help consumers make informed decisions ...
  20. How to Maximize Employee Benefits From the Start

    Taking the time to make proper selections within your employer-provided benefits package is crucial and could significantly ...
  21. Recoverable Depreciation: How it Works

    Recoverable depreciation is a concept used in many insurance policies and claims.
  22. How to Fund Long-Term Healthcare Costs

    Healthcare costs in retirement are rising. Here are some options that you and your clients should consider to help them fund ...
  23. The Social Security Blackout Period

    Surviving spouses may experience a blackout period - during which they cannot collect social security benefits - between ...
  24. The Business Model of Reinsurance Companies

    Learn about the business of reinsurance, a hidden industry that underpins the entire financial and insurance structure around ...
  25. How Safe Is Traveling in Thailand?

    Exercise the kinds of cautions that are necessary anywhere in the world. And then pay attention to these three particular ...
  26. Methods of Handling Risk: A Quick Guide

    Discover the five methods to manage pure risk, and learn how they can be implemented to mitigate risk with health and life ...
  27. Flood Insurance: Myths and Misconceptions

    What does flood insurance cover? There are several myths about flood insurance cost, coverage, who needs flood insurance ...
  28. How to Protect Your Assets From Litigation

    Personal umbrella liability insurance can offer you big-time legal protection relatively cheaply, in case your existing policies ...
  29. Elements of Insurable Risks: A Quick Guide

    Explore the elements of insurable risk: due to chance, measurable and definite, predictability, noncatastrophic, random selection ...
  30. Examples of Adverse Selection in the Insurance Industry

    Find out what the term "adverse selection" refers to in the insurance industry, and learn how insurance companies protect ...
  31. Insurance, Excess Insurance and Reinsurance: What's the Difference? (ALL)

    Understanding the differences might help you avoid being overinsured or underinsured.
  32. What Is a Special Enrollment Period, and Why Does It Matter?

    Various life events and situations enable you to join a qualified health plan (QHP) offered through the marketplace or change ...
  33. Getting Health Coverage Outside Open Enrollment

    Nine qualifying life events that trigger a special enrollment period for individuals seeking group or marketplace health ...
  34. How Life Insurance Settlements Are Evolving

    The life insurance industry marches forward by offering more ways that consumers can access the death benefits in their policies. ...
  35. What is Adverse Selection in the Insurance Industry?

    Adverse selection impacts the markets for health insurance and automobile insurance, but interfering with actuarial work ...
  36. Term Life Insurance: Everything You Need to Know

    Term life insurance is an affordable way to financially protect your loved ones after your death. Here's what you need to ...
  37. 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.
  38. 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 ...
  39. 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.
  40. 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 ...
  41. 7 Ways to Get Cheap Rental Car Deals

    Following these tips can dramatically reduce your final bill.
  42. 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 ...
  43. 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 ...
  44. The Reinsurance Industry: An Inside Look

    Low demand and high regulatory pressures may be problematic for the global reinsurance market following the shrinking margins ...
  45. 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 ...
  46. 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 ...
  47. 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 ...
  48. A Guide To Financial Designations

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

    These are some of the legacy-building ways that life insurance policies can be used.
  50. 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 ...
  51. 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 ...
  52. 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?
  53. 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 ...
  54. Life Insurance Without Physical Exam: What's the Catch?

    The advantages and disadvantages of medical exam-free life insurance.
  55. 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 ...
  56. 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 ...
  57. 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 ...
  58. Top 10 Life Insurance Myths

    The most difficult aspect of this complex product is determining how much coverage you need and why.
  59. 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 ...
  60. 5 Steps to a Retirement Plan

    These considerations will help you make a realistic and thorough retirement plan.
  61. 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.
  62. 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 ...
  63. 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.
  64. 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 ...
  65. 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.
  66. 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 ...
  67. 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 ...
  68. 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 ...
  69. Watch Out for These Medicare Mistakes

    Sorting through Medicare can be confusing. Here are some potential mistakes to avoid when choosing your plan.
  70. 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 ...
  71. 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 ...
  72. 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. ...
  73. Make This The Year You Get Vacation Insurance

    With a few simple policy additions you can protect your holiday plans from being ruined.
  74. 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?
  75. 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.
  76. How a Death Benefit in a Variable Annuity Works

    A look at how the death benefit in a variable annuity works.
  77. 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?
  78. 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 ...
  79. 6 Reasons to Avoid Private Mortgage Insurance

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

    We explain the calculation and payment process as well as the amortization schedule of home loans.
  81. 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. ...
  82. 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.
  83. 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 ...
  84. 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.
  85. 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 ...
  86. 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 ...
  87. 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 ...
  88. 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 ...
  89. 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 ...
  90. 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?
  91. 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 ...
  92. 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 ...
  93. 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 ...
  94. 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
  95. 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 ...
  96. 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, ...
  97. 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 ...
  98. 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 ...
  99. 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. ...
  100. 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 ...
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