Category Archives: Finance Guide

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 […]

One of the easiest ways to save on car insurance is combining policies. Other savings opportunities may include taking public transit or carpooling with friends a few times each week (or qualifying for low mileage discounts), taking public transportation several days per week (or carpooling with them) in order to qualify for low mileage discounts, […]

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 […]

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 […]

Multiple factors affect the cost of auto insurance. One such factor is vehicle type – generally speaking, safer models tend to cost less when insured than older models that lack safety features. Many states mandate liability coverage, with lenders often mandating collision and comprehensive protection if you’re financing your vehicle. Many insurers use credit scores […]

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 […]

Assuming you possess excellent customer service skills and are ambitious enough, the insurance industry may provide an ideal setting for long-term employment. Many jobs within this field require at least a high school diploma as well as on-the-job training to succeed. If you want to sell insurance, obtaining a license is required – though the […]

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 […]