Category Archives: Finance Guide

If you’re like most people, you want the best for yourself and your family. And one of the best ways to do that is to have health insurance. Unfortunately, not everyone can afford coverage on their own. That’s where government assistance comes in—free health insurance for those who need it. In this blog post, we […]

Life insurance proceeds generally don’t pass through probate as they are distributed directly to their designated beneficiary who considers it theirs. But in instances in which a policy beneficiary has died or been lost to us, does that alter how our life insurance payout is distributed? What is Probate? Probate is the legal process wherein […]

This insurance does not replace life insurance and covers most accidental deaths or injuries. In the event that you are seriously injured or die in an accident such as a car accident, accidental death and dismemberment insurance will kick in. Unfortunately, accidents do occur — they are the third leading cause for death in the United […]

You want to be a responsible homeowner and protect your largest financial investment. This almost always means that you should have homeowners coverage from an reliable company. This policy will provide financial protection for your home against a wide range of perils. Homeowners often assume that their homeowners insurance policy covers water damage and that floods are covered. This is false. This is because […]

When you have a new baby, there are so many things to think about—from what to name them to whether or not to pack their diaper bag. But one question that many parents don’t even consider is whether or not their newborn baby needs dental insurance. The short answer is: It depends. If your baby […]

Nonprofit directors and officers face significant personal liability if they fail to take appropriate steps to safeguard their personal assets, making D&O insurance an indispensable safeguard. Liability policies vary significantly by insurer; here, we highlight some key issues. Coverage Nonprofit organizations must consider multiple forms of insurance to safeguard both themselves and those they employ, […]

Is Medicare covered for dental implants? Original Medicare does not offer dental coverage. Part A (hospital insurance), and Part B (medical Insurance) do not cover it. While most Medicare Advantage plans (MA) offer some dental coverage, not all plans cover dental implants. Dental implants are part of the prosthodontics branch of dentistry. This includes the creation, manufacturing, and fitting […]

Term life insurance is a great option for providing substantial insurance coverage, but only for a short time. Nearly all major life insurance companies sell term life policies to offer greater protection in specific circumstances. Young families with children may find term attractive because of the low cost and the large death benefit that the beneficiaries receive in […]

Flood damage isn’t covered by homeowners’ insurance, so many New Yorkers must purchase separate coverage to protect themselves against flood risk. This is particularly applicable when purchasing property located within high risk flood zones. Under federal rules, mortgage lenders must require people buying property in high risk areas to purchase flood insurance before closing on […]

Florida-based WellCare focuses its efforts on government-sponsored insurance plans, including Medicare and Medicaid. They have many subsidiaries across the country. The WellCare Medicare review will examine the coverage and plans. To help you choose the right plan for you, we’ll also review WellCare Medicare quotes. Compare quotes before you make a decision about whether you want to purchase WellCare […]