Investopedia

Insurance

  1. What is moral hazard?

    An idea that a party that is protected in some way from risk will act differently than if they didn't have that protection. We encounter moral hazard every day - tenured professors becoming indifferent lecturers, people with theft insurance being less vigilant about where they park, salaried salespeople ...
  2. Financing Basics For First-Time Homebuyers

    If you're looking to get your first mortgage, there are many financing options available.
  3. How To Buy Your First Home: A Step-By-Step Tutorial

    Find out everything you need to know to tackle this major purchase without fear.
  4. Credit Card Perks You Never Knew You Had

    From car insurance to concert tickets, be sure to take advantage of whatever your card has to offer.
  5. What are activities of daily living (ADL)?

    Activities of daily living (ADL) refer to daily activities that individuals normally do, unassisted, to take care of themselves. These activities include: bathing, eating, cooking, walking, dressing, house chores, personal hygiene and walking. Usually, healthcare professionals (nurses, nurse's aides, ...
  6. On This Day In Finance: June 16 - 76th Anniversary Of The FDIC

    The Glass-Steagall Act of 1933 would reform the banking indusry, and attempt to protect the average investor.
  7. Employee Benefits: How To Know What To Choose

    Starting a new job is stressful but you don't need to sweat about setting up a benefits package.
  8. Biggest Millionaire Flops

    The next time portfolio losses have you down, just be glad that you can blame some of your woes on the market, rather than your own poor judgment.
  9. Reverse Mortgages: Why They're Really Too Good To Be True

    Americans are increasingly turning home equity to cash - but this transaction is not as simple as it sounds.
  10. Four Inexpensive Ways To Get Healthcare

    Feeling stressed out? Your health could suffer and your budget might not be far behind.
  11. Travel Smart By Planning How You'll Pay

    With a little pre-trip planning, you can avoid being stranded without adequate funds.
  12. 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.
  13. Don't Be Misled By Investment Advertising

    Investment companies and brokers want to sell. Unfortunately, this can result in promotional material that is not entirely frank, or far worse, truly misleading.
  14. 10 Last-Minute Retirement Tips

    The months leading up to your retirement can be the most crucial in terms of planning. Review your insurance, make a budget and plan your estate so the transition to retirement is as easy as possible.
  15. Losing Your Job: From A To Z

    Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
  16. 10 Hurdles To Closing On A New Home

    It's the biggest purchase of your life - find out what can go wrong before you even close the deal.
  17. Academic Careers In Finance

    Working nine months a year and earning a six-digit salary might seem like the high life, but these jobs are not easy to come by.
  18. 8 Steps To Teach Your Partner Household Finances

    Follow these steps to give your partner a clear picture of your household's financial situation and the confidence to take over.
  19. What is a "force majeure"?

    A force majeure is derived from the French term meaning "greater force" and refers to any natural and unavoidable catastrophe. A force majeure clause is included in contracts to remove liability when such events restrict participants from fulfilling their obligations.
  20. Laid Off? You Can Still Retire

    Joblessness is temporary, but neglecting your retirement savings has permanent consequences.
  21. The Fall Of The Market In The Fall Of 2008

    How did America's strong economy tumble so quickly? Find out here.
  22. Net Worth Nosedive: Can You Still Retire?

    If a dip in the economy has you worried about retirement, you still have options.
  23. Iceland's Near Collapse: What Can We Learn?

    This thriving country was brought to its knees by the rapid growth - and subsequent decline - of its banking industry.
  24. When Things Go Awry, Insurers Get Reinsured

    Guru Warren Buffett is making this sector popular. Learn more here.
  25. For Top-Notch Insurance Coverage, Compare Quotes

    Find out how to use and compare policy options to get the best coverage at the best price.
  26. What's the difference between casualty insurance and disability insurance?

    Casualty insurance is often called "property casualty insurance", and it provides insurance protection for your property in the event of a covered loss. Property that is commonly covered with casualty insurance includes houses, condominiums, cars, motorcycles, boats, yachts and personal sports and recreation ...
  27. Protect Your Kids And Pets With Custom Insurance

    Find out how to protect those you love the most with specialized policies.
  28. I have just been laid off. Can I use my 401(k) for living expenses now and report ...

    Any amounts withdrawn from your 401(k) plan must be treated as ordinary income for the year the amount is distributed from your 401(k) account. Consider the following: If any portion of the withdrawal is rollover eligible, the plan administrator must withhold 20% for federal taxes if the amount ...
  29. What is variable life insurance?

    Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund, except it's only available within a variable life insurance ...
  30. What To Expect When Applying For Life Insurance

    Before jumping into a policy, check out these tips on how to score the best plan for you.
  31. Does it make sense to get my house and car insurance at the same place?

    Some companies offer a "multi-policy" discount to people who buy auto and home insurance together, in which case it may save you a lot of money to get your house and car insurance through the same provider.While a discount can be a great incentive, it's important to make sure you're buying the policies ...
  32. What is term insurance?

    Term insurance is a type of life insurance policy that provides coverage for a certain period of time, or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.
  33. Failing Health Could Drain Your Retirement Savings

    You may not be able to prevent illness, but it doesn't have to infect your savings.
  34. 3 Life Events That Can Ruin Retirement Plans

    Death, divorce and loss of income can leave retirees reeling. Learn how to prepare.
  35. Understanding The Escrow Process

    Learn the 10 steps that lead up to closing the deal on your new home and taking possession.
  36. What To Do If Your Insurance Won't Pay

    Before paying for coverage, find out what you need to do to ensure you get paid.
  37. Protect Your Company From Employee Lawsuits

    Understanding employment practices liability insurance is easy, once you know the basics.
  38. Why is my insurance premium so high/low?

    Insurance premiums can be affected by many factors including: type and amount of risk size of deductible amount of coverage age of the applicant applicant's medical history applicant's past and current lifestyle Insurance policies can be issued at the group or individual ...
  39. Health-y Savings Accounts

    HSAs can provide a new way to save for retirement and medical expenses.
  40. 5 Mistakes That Can Ruin Your Life (Insurance)

    Don't let these simple errors leave you unprotected. Read on to learn more.
  41. What is multiline insurance?

    The term "multiline insurance" can refer to multiline contracts and multiline insurers, so let's take a look at both variations. A multiline contract is a type of insurance policy that bundles together exposures to risk and covers them under a single contract with a common aggregate deductible and policy ...
  42. Critical Illness Insurance: Get Paid If You Get Sick

    This coverage will allow you to focus your attention on getting well, rather than getting by.
  43. What is reinsurance?

    Reinsurance occurs when multiple insurance companies share risk by purchasing insurance policies from other insurers to limit the total loss the original insurer would experience in case of disaster. By spreading risk, an individual insurance company can take on clients whose coverage would be too great ...
  44. 10 Insurance Tips For Homeowners

    Here are ten ways to make sure you get the right home insurance coverage and compensation for your property.
  45. Insure Your Future With A Career As An Actuary

    If you've got excellent math skills, they can add up to a lucrative career as an actuary.
  46. Be Your Own Boss By Freelancing

    Learn the pros and cons before you bid adieu to sales meetings and power suits forever.
  47. Get Sale Prices On Healthcare With Discount Plans

    Medical discount plans can help the uninsured or underinsured afford better healthcare.
  48. Do You Need Casualty Insurance?

    Find out how different types of coverages can protect you and which policy is right for you.
  49. Will You Break Even On Your Home?

    Calculate how much your property will need to appreciate to cover the costs of owning it.
  50. Let Life Insurance Riders Drive Your Coverage

    Find out how these additional benefits can help you customize your policy.
Marketplace
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    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.
Trading Center
Array ( )