Insurance

  1. Life Insurance Clauses Determine Your Coverage

    Understanding these key parts of your policy will help you to ensure that your family will be covered.
  2. Fighting The High Costs Of Healthcare

    If your employer is cutting medical benefits, a health savings account may be right for you.
  3. 4 Steps To Surviving A Job Loss

    Being laid off is an unpleasant experience that many Americans are experiencing through this recession. But there is hope.
  4. How Unemployment Affects You (Even If You're Working)

    Rebounding from a stint of unemployment can be a frustrating thing to do. These tips should soften the blow.
  5. What happens to insurance policies and variable annuities if the insurance company ...

    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.
  6. You're Retired. Should You Ditch Your Life Insurance Policy?

    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.
  7. 5 Simple Ways To Invest In Real Estate

    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.
  8. U.S. Healthcare Plan: Don't Get Sick

    It's open enrollment time for employer-sponsored healthcare programs, and the most cost effective strategy is "don't get sick."
  9. From Booms To Bailouts: The Banking Crisis Of The 1980s

    The economic environment of the late 1970s and early 1980s created the perfect storm for a banking crisis.
  10. Top 4 (Financial) Life-Changing Events

    Good or bad, major life transitions carry daunting challenges along with them, especially for your finances.
  11. What is a convertible insurance policy?

    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.
  12. Why would you want a monthly benefit versus a daily benefit?

    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 ...
  13. Insurance 101 For Renters

    If it's time for you to leave the nest, find out how to protect your new home from disaster.
  14. Financial Mistakes That Could Haunt You Forever

    Learn from others and don't fall prey to these financial pitfalls.
  15. Is there more to insurance policies than price?

    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.
  16. Life Insurance: Putting A Price On Peace Of Mind

    Would your death leave loved ones financially stranded? Find out how to ease your mind and keep them protected.
  17. Lifetime Income Annuities: The Instant Pension Plan

    If you are looking for a retirement play with a guaranteed structure payout, lifetime income annuities could be the answer.
  18. A Bigger Salary Or Better Benefits?

    Total compensation is not limited to salary. Find out what else you should consider.
  19. Strapped For Cash? Try Insurance-Premium Loans

    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.
  20. Where Can Americans Go for Cheaper Healthcare?

    With the rising cost of healthcare at home, Americans are looking abroad for their medical care.
  21. Live Longer, Retire Younger: Can You Do It?

    Use this vehicle to make sure your payout lasts as long as you do.
  22. How do I choose which insurance company to use?

    Picking an insurance company to use is not an easy task, considering the financial crisis of 2008 and 2009. Several financial institutions and insurance companies have gone out of business, merged with stronger firms or sold particular divisions of their company outright.
  23. Social Security - Are You Covered?

    If you aren't a U.S. citizen, even if you are a legal resident, you may be missing out on government programs.
  24. What is disability-income insurance?

    Disability-income insurance is insurance that provides financial benefits to a policyholder in the event of sickness or injury that inhibits the ability to work. Disability-income insurance is meant as a substitute of no more than 80% of income on a tax-free basis should illness keep you from earning ...
  25. When Wall Street Loses, CEOs Still Win

    Despite the record losses that occurred in the financial sector, many executives still received huge bonuses.
  26. Should I pull my money out of an annuity if the insurance company is having financial ...

    If an insurance company is having financial problems, you don't necessarily have to pull your money out of the annuity. Even in a financial meltdown, there's no need to sweat when it comes to the safety of your annuity and the stability of the insurance company behind it.
  27. Medicaid Vs. Long-Term Care Insurance

    These are not equal. Here's why you need to think twice before relying on the government-sponsored program.
  28. Healthcare Sector: Play Or Stay Away?

    The uncertainty in the healthcare sector may have provided some opportunities for investors.
  29. 6 Ways To Make The Best Of Un-Retirement

    If you are coming out of retirement, here are six things you can do to maximize your extra years of work.
  30. Find Secure And Affordable Post-Work Health Insurance

    Learn how you can avoid financial catastrophe - without Medicare.
  31. What is an elimination period?

    Elimination period is a term used in insurance to refer to the time period between an injury and the receipt of benefit payments. In other words, it is the length of time between the beginning of an injury or illness and receiving benefit payments from an insurer.
  32. Make No-Load Annuities Your Viable Alternative

    These alternative retirement funds provide diversification with no fees, so what's the catch?
  33. 11 Mistakes Inexperienced Landlords Make

    Avoid these pitfalls if you considering purchasing a rental property.
  34. The Bear On Bonds

    Bond investing is a stable and low-risk way to diversify a portfolio. However, knowing which types of bonds are right for you is not always easy.
  35. What You Need To Know About Student Health Insurance

    Before heading off to college, read up on health insurance plans.
  36. New Healthcare Plan Taxing To All

    The idea that only the rich will be taxed for healthcare is as suspect as the idea that healthcare quality won't change.
  37. Is there a limit on the amount of disability insurance that I can buy?

    Disability insurance policies are designed to partially replace your income in the event that you become disabled and cannot continue to work. To help limit the amount of fraudulent disability claims, it is not feasible for the insurer to replace 100% of the income that is lost due to disability.
  38. Health Insurance: Paying For Pre-Existing Conditions

    If you bring a pre-existing condition to a new insurer, you may find yourself without coverage.
  39. Budgeting For A New Baby

    This little member of your family will be a big expense. Find out what you need to budget for and how to save.
  40. What changes might I need to make to my insurance?

    The number one thing to remember about insurance is that, just like everything else, it changes over time. The top-of-the-line policy that you bought five years ago might not even be available or even used anymore. So, it's extremely important to review all of your insurance policies at least once every ...
  41. How much life insurance is enough?

    There are many factors to consider when calculating life insurance. Some of those factors include marital status, dependents, earnings of each spouse and how much time they have left to work. With life insurance, you want to avoid a situation where the insured is either under-insured or over-insured.
  42. Generation Caregiver - Are You Ready?

    More that half of Gen Xers anticipate being a primary caregiver for an aging relative in their lifetime. That care comes at a cost.
  43. When is the best time to purchase long-term care insurance?

    Long-term care insurance (LTCI) covers the risk that individuals may need medical and custodial care, either at home or in a skilled nursing facility, at some point in their life. Most workers wait to purchase an individual policy as they approach retirement or their group employer benefits are about ...
  44. Medical Forms May Be Hazardous To Your Financial Health

    Be sure you know what you're signing, when it comes to medical forms.
  45. The Economics Of Pet Ownership

    Before you bring a furry friend into your household, make sure you can handle the hefty financial commitment.
  46. Understanding The Mortgage Payment Structure

    We explain the calculation and payment process as well as the amortization schedule of home loans.
  47. 20 Ways To Save On Medical Bills

    Handy tips to cut the cost of hospital bills, co-pays, prescription drugs and more.
  48. Which insurance policies do I really need?

    Your needs for insurance depend on your situation and can't be generalized for everyone, but there are a lot of options available. Risk management options have become overwhelming and somewhat out of control. Now you can purchase policies for terrorism insurance, pre-paid legal services, and pet insurance ...
  49. Which of the following accounts does ERISA cover?

    A. IRA B. State employee pension planC. Corporate defined-benefit planD. Coverdell savings account Answer: CThe correct answer is "c." ERISA covers most employer retirement plans, but public employee plans are exempt from coverage. "A" is not correct because the IRA is an individual plan, not an employer ...
  50. How To Choose A Healthcare Plan

    HMOs? PPOs? CDHPs? We'll clear up the confusion so you can find the right coverage.
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    YouTube's Partner Program helps users earn money through their channels. Find out how.
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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