Category Archives: Finance Guide

A life insurance provider evaluates applications for policies and attempts to determine the risk of each applicant. The risk factors include age, medical condition, and, in certain cases, lifestyle choices. If an insurer discovers that your lifestyle choices could have a negative impact on your health (e.g. smoking or alcohol consumption), they might offer you a higher premium, […]

When parents get divorced, they often have to decide which parent a minor child will go on car insurance. It is important to know the answers to this question in order to make sure that your child’s needs are met and that they are adequately protected. In this article, we will explore the different options […]

An insurance policy won’t provide immediate satisfaction like buying a TV, washing machine, or other items you use every day. In fact, we often hear clients say: “I have never been in an accident with a vehicle.” Or “I never get sick.” Or, “My employees have never been injured on the job… What am I getting for my premium? […]

Swimming pools can be an attractive addition to your home, yet can pose unique insurance considerations. In this article we explore answers to common questions such as, Does home owners insurance cover swimming pools? Pools are generally covered under your other structures limits and liability coverage; however, several factors could impede your eligibility for coverage. […]

Most people are comfortable accepting that their car insurance policy is an inconvenience. It’s the price they have to pay in order to be able to drive on the highways. It’s not possible to cruise the friendly skies in our cars at the moment, but it is on its way. They accept that they will have to […]

Hamtramck in Michigan is home to 22,423 people, 6,777 households, and 4,615 family members. Hamtramck lies approximately five miles from Detroit’s center. Hamtramck’s western border is bounded by Interstate 75 Freeway, while its southern border is bounded by Interstate I-94. Hamtramck’s average annual car insurance rate is high at $2,153 for minimal coverage and $5,101 full coverage. The current Michigan […]

Income protection insurance replaces your monthly income in the event you become incapacitated due to illness or an accident. This type of insurance can be a great investment for employees. However, many people feel intimidated by the industry jargon as well as the large selection on the market. We have listed 5 steps that will help you […]

Before 2019, those without health coverage were required to pay a penalty when filing their taxes. Although this individual mandate has since been eliminated, you may still receive IRS Form 1095-B or 1095-C with important tax filing information that can help ensure proper tax return submission. Dependent upon your coverage, Form 1095-A may also help […]

Some people are uncomfortable about seeking compensation if they get hurt at the home of a friend or in a favorite restaurant. To recover damages, most people assume that they will have to sue the owner of the property, which could be a friend, family member or small business owner. Many premises liability claims can be covered […]

Parents wish they could tell the insurance company that their child is well-behaved, responsible, well-mannered, etc. They would like to see the insurance company lower their rates, as young drivers are notoriously expensive. Unfortunately, teens cannot get insurance at a discount rate. However, they have a reason. It is obvious that teenagers are more likely to be reckless […]