Are There Still Penalties For Not Having Health Insurance?

The Affordable Care Act requires most individuals to carry qualifying health insurance or pay a penalty when filing their taxes. With the Tax Cuts and Job Act (TCJA) taking effect for tax year 2019, however, penalties for not having insurance have been removed as part of filing taxes. However, some states still impose individual mandate […]

What Is Ten Pay Whole Life Insurance?

Whole life insurance policies provide long-term protection. Your premium contributes toward building up cash value – similar to a savings account which accumulates interest over time. Some whole life products with shorter guaranteed payment periods produce a higher basic cash value than 10 pay policies, yet using policy blending and paid-up additions we can create […]

USAA Car Insurance – Who Can Join USAA Car Insurance?

USAA provides competitive car insurance rates and provides other financial services at extremely competitive prices, and boasts impressive customer satisfaction and strength ratings compared to many competitors. Joining USAA depends on several criteria, but qualifying is easy if you have military ties or family members who are currently members. Membership can even pass down through […]

How to Choose the Right Health Insurance Plan

As with any important decision, choosing an insurance plan or renewing it requires careful thought and consideration. Below are a few points worth keeping in mind: Prioritize costs such as premiums, deductibles and copays when selecting your plan. If you do not anticipate needing much care in the near future, a plan with lower premiums […]

How Does Homeowners Insurance Claim Work?

In the event that your home has been severely damaged by a peril, filing a homeowners insurance claim may be necessary. Depending on the nature of damage to your property, insurers could pay either actual cash value (ACV) or replacement cost compensation from their policies. Before cashing your next check, it’s essential to understand how […]

Does Capital One Cover Car Rental Insurance?

Many Capital One credit cards offer rental car insurance coverage. This protection shields cardholders against liability resulting from accidents or theft of rental vehicles. To activate this benefit, cardholders should decline any Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) offered by rental agencies. Capital One cards provide primary rental car insurance policies that […]

How to Use Insurance at Pharmacy

Students arriving at the WSSU Wellness Center Pharmacy with prescriptions are required to present proof of insurance; typically this means presenting their medical card, though some medical plans include prescription coverage as part of their coverage and may produce a separate card for this coverage. Understanding how insurance works can save time and money when […]

Does Usaa Offer Earthquake Insurance?

USAA Earthquake Insurance covers more than just loss of use and personal property damage: It also offers protection for: Earthquake insurance rates differ by insurer and typically cost an average of $3.54 per thousand dollars of coverage. USAA members can take advantage of discounts on travel, car rentals, home security systems and moving services; gym […]

What Insurance Does University Of Utah Hospital Accept?

Health insurance is an integral component of overall wellness planning, so let’s cover some basics to help you choose a policy that suits you and your individual needs. Connie Millecam received an unexpected letter from her insurance provider that could bring drastic changes to her healthcare. At age 80, this Salt Lake City woman relies […]