Category Archives: Finance Guide

Any health issue that is present or known before your pet health insurance kicks in is considered a pre-existing condition. It is important to sign up for coverage as soon as possible. Is pet insurance available for pre-existing conditions? Pre-existing conditions will not be covered by pet insurance. They will not be covered by subscription-based community options. Even if […]

You will need to have active car insurance in Connecticut to drive legally. Connecticut has severe penalties for drivers who drive without insurance. It is important that you meet the minimum requirements for car insurance. To protect your finances, you may want to add coverage. These are the essential facts to make sure you don’t get fined or […]

In the world of insurance, there are two types of insurance that are commonly confused: hazard insurance and flood insurance. Though they are similar in name, they serve quite different purposes. Hazard insurance protects you from physical risks, such as fire or theft. Flood insurance, on the other hand, is designed to protect you from […]

Retirees, their spouses and dependents insured under ORS can expect coverage to begin one month after all necessary forms and proofs are submitted to them. It’s essential that enrollment forms and proofs be sent promptly in order to avoid gaps or duplication of coverage. Effective dates typically follow a similar timeline outside exchanges; with one […]

Driving without insurance can result in severe penalties. Driving without insurance can lead to severe penalties in each state. It is illegal to drive without insurance in Illinois, but almost 12% of Illinois drivers were not insured in 2019, according the Insurance Information Institute (iii). Driving without insurance in Illinois could result in heavy fines or even suspension of your […]

It can be tough to make ends meet as a self employed individual. Between rent, food, and other necessary expenses, it can be difficult to save up for an unexpected illness or injury. That’s where health insurance comes in. If you’re self employed and don’t have health insurance through your employer, you may be wondering […]

Yes, medical malpractice tail coverage (also referred to as extended reporting endorsements or nose coverage) is tax deductible depending on your specific situation and should be discussed with a tax specialist for best results. Claim-made policies typically offer physicians an option to purchase “tail” coverage upon the expiration of their policy, the cost being approximately […]

What is a Comprehensive Glass Policy? A comprehensive glass policy is an insurance policy that covers different kinds of glass products that can be broken or damaged. Comprehensive glass policies cover a wider range of manufactured glass products that standard policies, which usually only cover plate glass. It also provides coverage whether the glass was damaged or destroyed accidentally or deliberately. It […]

Alcoholism, also known as alcohol abuse disorder (AUD),, is a medical condition that causes impairment in the ability to control or stop alcohol use despite adverse occupational, social or health consequences. It is defined by the National Institute on Alcohol Abuse and Alcoholism. The United States has approximately 15,000,000 alcoholics. An estimated 36% of them are in recovery. The […]

Have you been waiting for an insurance adjuster to call you back? If so, it might be worth your while to wait just a bit longer. Insurance companies are notorious for being slow in their claims resolution, and this is especially true when it comes to claims involving property damage. In fact, the average insurance […]