Insurance

  1. What is the difference between term and universal life insurance?

    Term life insurance is the most basic of insurance policies. It is nothing more than an insurance policy that provides protection for accidental death and possibly debilitating injuries for a specified period of time. If you or your beneficiaries do not make any claims during the term of such a policy, ...
  2. Fatal Seduction Of The Municipal Bond Insurers

    Learn how a foray into CDOs and other exotic products ruined an industry's image.
  3. I know there is a form of deposit insurance where a portion of my bank account deposits ...

    First things first, it's only partially correct to think that a portion of your bank deposits is protected. The Federal Deposit Insurance Corporation (FDIC) will insure deposits up to $250,000 in participating institutions. The key here is that the insurance only applies to participating institutions.
  4. Exploring Advanced Insurance Contract Fundamentals

    Understanding your contract can help you protect our family's financial security.
  5. How does the 80% rule for home insurance work, and how do capital improvements affect ...

    The 80% rule refers to the fact that most insurance companies will not fully cover the cost of damage to a house due to the occurrence of an insured event (e.g. fire or flood), unless the homeowner has purchased insurance coverage that is equal to at least 80% of the house's total replacement value.
  6. The 5% Solution To Financial Freedom

    How can you save the recommended 10% of your income? We'll show you how to get there.
  7. Insurance Coverage: A Business Necessity

    Don't go to work without this policy in place - especially if your work is in your home.
  8. Watch Your Back In The Annuity Game

    Find out how to get the upper hand when dealing with this payout challenge.
  9. A Multipurpose Future Planning Tool

    Overfunded variable universal life insurance policies can be an all-in-one financial solution.
  10. What is a gatekeeper?

    A gatekeeper is a health insurance term used to describe the person in charge of a patient's treatment. Anyone who receives health insurance coverage in the form of a managed care plan, specifically a Health Maintenance Organization (HMO) plan, is assigned a gatekeeper or allowed to choose one.
  11. 10 Ways To Prepare For Nature's Worst

    Protect your financial interests from earthquakes, floods, tsunamis, hail, hurricanes, tornadoes and lightning strikes.
  12. 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 ...
  13. Protect Your Kids And Pets With Custom Insurance

    Find out how to protect those you love the most with specialized policies.
  14. 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 ...
  15. 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 ...
  16. 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.
  17. Introduction To Insurance

    Having the right kind of insurance is a critical component of any good financial plan.
  18. Life Expectancy: It's More Than Just A Number

    Find out how this factor determines your life insurance premiums and affects your payout.
  19. Financial Regulators: Who They Are And What They Do

    Find out how these government agencies govern the financial markets.
  20. Making A Living On Death Bonds

    Find out if these macabre bonds are just the new blood your portfolio needs.
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