Insurance

If you aren't a U.S. citizen, even if you are a legal resident, you may be missing out on government programs.

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 ...

Despite the record losses that occurred in the financial sector, many executives still received huge bonuses.

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.

These are not equal. Here's why you need to think twice before relying on the government-sponsored program.

The uncertainty in the healthcare sector may have provided some opportunities for investors.

If you are coming out of retirement, here are six things you can do to maximize your extra years of work.

Learn how you can avoid financial catastrophe - without Medicare.

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.

These alternative retirement funds provide diversification with no fees, so what's the catch?

Avoid these pitfalls if you considering purchasing a rental property.

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.

Before heading off to college, read up on health insurance plans.

The idea that only the rich will be taxed for healthcare is as suspect as the idea that healthcare quality won't change.

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.

If you bring a pre-existing condition to a new insurer, you may find yourself without coverage.

This little member of your family will be a big expense. Find out what you need to budget for and how to save.

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 ...

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.

More that half of Gen Xers anticipate being a primary caregiver for an aging relative in their lifetime. That care comes at a cost.

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 ...

Be sure you know what you're signing, when it comes to medical forms.

Before you bring a furry friend into your household, make sure you can handle the hefty financial commitment.

We explain the calculation and payment process as well as the amortization schedule of home loans.

Handy tips to cut the cost of hospital bills, co-pays, prescription drugs and more.

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 ...

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 ...

HMOs? PPOs? CDHPs? We'll clear up the confusion so you can find the right coverage.

An insurance premium is the money charged by insurance companies for coverage. Insurance premiums for services differ from company to company, so it is advisable that individuals shop around for insurance premiums. However, it is important to note that, sometimes, insurance premiums quoted are slightly ...

Long-term care refers to a variety of care services (medical and non-medical) that helps meet the needs of people who have a chronic illness or are disabled. Generally, long-term care can be provided at home, in the community, in assisted living or in nursing homes.

It was the largest takeover in history and one of the most dramatic. Learn all about the fate of Getty Oil.

Credit rating agencies have a long history in this country. Learn about what they do and how were they developed.

Know the options you have for your insured property if and when a disaster strikes.

IULs boast the security of fixed universal life policies and the interest-earning potential of variable policies.

When a company needs more funding, there are many options. Corporate bonds is just one of them.

Circumstances arise when you need cash fast. Unfortunately, each option has its own risks and sometimes, a very high cost.

There are several reasons that an insurance policy can cost more or less at different agencies. Some of the more common reasons include the following:a) Economies of scale - Larger agencies can often obtain better rates with most insurance companies.b) Agent commission/fees are higher - Each agency makes ...

It may not be the most exciting of topics, but there are many ways to save on and increase the efficiency of your health insurance.

There are some safeguards in place to ensure that health benefits don't just disappear when a plan is canceled.

During a recession, there are still plenty of options for a business school graduate.

Variable annuity subaccounts are virtual clones of mutual funds but they have their own CUSIP number and their historical performances are tracked separately.

Long-term care insurance is an insurance policy that that helps a patient pay for long-term care. The policy usually covers activities like bathing and dressing, rehabilitation, nursing facilities and other care-oriented activities for individuals with 'cognitive impairment' diseases like Alzheimer's.

Indexed univeral life insurance is a lot like universal life insurance, however it does have a couple of wrinkles not found in traditional universal insurance policies. Universal life insurance comes in many different forms, from your basic fixed-rate policy to variable models that allow the policy holder ...

These fraudsters were the first to commit fraud, participate in insider trading and manipulate stock.

Protect what you have while shifting risk is the motto of the rich. Find out how a life insurance policy can help you do the same.

If you fail to uncork profits in this market, you can always toast your loss.

In the aftermath of the Jackson death, it has become evident that you need to make your wishes known.