Insurance

This guide will help you figure out how much you're worth and how much life insurance you need.

Not having health insurance doesn't mean that you have no alternatives. Here's what you can do to reduce your healthcare costs.

The number of unmarried couples is on the rise, but your relationship may or may not be given the same benefits as married couples.

If you're serious about buying a home, cleaning up your credit should be the first item on your agenda. Learn how to get pre-qualified and/or pre-approved for a mortgage, and examine the different types of lenders.

If you can dream up a risk, you can probably insure it. From interesting to bizarre, here are five of the weirdest insurance policies.

Find out what's making news in the world of finance this week.

Taxes are often a deterrent from investing and saving. These financial practices will bring you no tax grief.

Concierge healthcare can mean extra attention from your doctor when you need it, but it isn't the best substitute for health insurance.

You've done your research and found your dream home - find out what could go wrong and ruin your sale!

Accident, theft, vandalism - make sure your coverage will protect you when you need it most.

These are some of the most common tax write-offs that you can't really claim.

A Section 1035 Exchange refers to the replacement of an annuity or life insurance policy for a new one without incurring any tax consequence for the exchange. The IRS allows holders of these types of contracts to do this in order to replace outdated contracts with new contracts with improved benefits, ...

Renting out your home can be a great way to ride out a real estate slump - if you do it right.

The most recent report suggests that a rebound just isn't in the cards, especially in the Midwest and Northeast regions.

Small changes to spending and saving habits can reap major rewards - with limited sacrifice.

Insurers tend to automatically flag certain claims as fraud. Find out which claims could land you in a sticky situation.

The irrevocable life insurance trust or "ILIT" is a trust that cannot be rescinded, amended or modified in any way after its creation. Once the grantor contributes property or life insurance death benefits to the trust, he or she cannot change the terms of the trust or reclaim any property left to the ...

Think a new home means no repairs? Think again. Learn about common repair and maintenance items and how to cut your costs.

Health Savings Accounts (HSA) can be used by individuals covered by a high-deductible health plan to save for health care costs on a tax-free basis, in an account that is similar to that of an individual retirement account (IRA).The HSA provides for a tax-sheltered account that can be used for paying ...

Whether your goal is to lose weight, quit smoking or just take overall better care of yourself you may have a surprising ally: your health insurance company.

If you are the primary wage earner in your family and you carry a current mortgage on your home, it is important that you consider risk management in the event that something bad were to happen to you. This is especially important if you do not have adequate savings for your family to pay bills and live ...

Accidental life insurance is an inexpensive way of obtaining life insurance coverage for yourself or someone else in your family. These policies typically pay a handsome death benefit to your beneficiary in the untimely event of your death, due strictly to an accident that causes death within a specified ...

The Health Savings Account (HSA) was established as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 as a savings plan for individuals with high-deductible health plans (HDHP). To qualify in 2009 as a HDHP, your plan must satisfy both of the following:Self-only Coverage: ...

The most important thing for you to remember if you find that you may not be able to make this month's mortgage payment is to act immediately. You do not want several months to pass without making a payment or taking some initiative towards working out your debt.First, you should contact your lender ...

The main purpose of life insurance is to provide the same standard of living for your family and cover your financial responsibilities in the event of your death.The two most common methods for determining insurance needs are the following: Rule of Thumb Method - Most commonly used, and easy to ...

Avoid shelling out for these policies and you could save hundreds of dollars.

The costs of long-term care can be astronomical. Protect your nest egg with LTC insurance.

There are a lot of risks associated with running a business, but there are an equal number of ways to prepare for and manage them.

Understanding these key parts of your policy will help you to ensure that your family will be covered.

If your employer is cutting medical benefits, a health savings account may be right for you.

Being laid off is an unpleasant experience that many Americans are experiencing through this recession. But there is hope.

The idea of an insurance failing or going bankrupt is one that can be very frightening. However, when an insurance company is in financial peril, there are state guaranty associations and state-run funds that help pay the claims from policies if the insurance companies go bankrupt.

Rebounding from a stint of unemployment can be a frustrating thing to do. These tips should soften the blow.

If you're trying to determine whether you should throw out your life insurance policy along with your business suits, here are a few things you should keep in mind.

Although the real estate market has plenty of opportunities for making big gains, buying and owning real estate is a lot more complicated than investing in stocks and bonds.

It's open enrollment time for employer-sponsored healthcare programs, and the most cost effective strategy is "don't get sick."

The economic environment of the late 1970s and early 1980s created the perfect storm for a banking crisis.

Good or bad, major life transitions carry daunting challenges along with them, especially for your finances.

A convertible insurance policy is a term usually related to life insurance. To understand a convertible policy, you must first understand term and universal policies. "Term" life insurance is a policy that provides the insured person coverage for a certain period of time.

An insurance benefit is the amount of money paid to or on behalf of the policyholder. Depending on what kind of insurance policy the policyholder signs up for, the payments are made directly to the insured or on behalf of the insured to a service provider – as long as the service is covered under ...

If it's time for you to leave the nest, find out how to protect your new home from disaster.

Learn from others and don't fall prey to these financial pitfalls.

Yes, policyholders should also take a serious look at the financial stability of their current insurance company especially if annuities or cash value life insurance are involved. During the credit crisis starting 2008, many banks and insurance companies failed leaving policy holders exposed.

Would your death leave loved ones financially stranded? Find out how to ease your mind and keep them protected.

If you are looking for a retirement play with a guaranteed structure payout, lifetime income annuities could be the answer.

Total compensation is not limited to salary. Find out what else you should consider.

If you need more life insurance than you can afford, insurance premium financing can help. But you need to look at the pros and cons.