Category Archives: Finance Guide

The health insurance marketplace is a critical part of the health care system in the United States. It’s where individuals and families can purchase health insurance coverage, either through an employer or on their own. This blog post will provide an overview of the health insurance marketplace and its key features. We’ll also discuss how […]

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 […]

Alaska is the most populous state in the U.S. but only 530,000 drivers are licensed as of 2019. Alaskans pay $373 annually for basic coverage and $1,559 for full coverage. Road safety is a concern because of the high number vehicle-related deaths. As of 2018, there were 80 fatalities in Alaska from accidents. 41 were due to speeding, 29 were due to […]

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 […]

Your home insurance policy can be densely written with legalese and industry jargon. However, it is not something you should ignore. The words on your policy can make all the difference in whether you are fully covered or have to spend thousands of dollars to fix your home. Here are some key terms you should look […]

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, […]

The traditional insurance business model has been remarkably resilient for years. As emerging technologies transform the way people interact with businesses, and the delivery of products and services, traditional insurance is starting to feel the digital effects. Blockchain is one of these emerging technologies. Companies such as Enterprise and IBM have implemented blockchain strategies that have helped push […]

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 […]

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 […]

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 […]