Category Archives: Finance Guide

Many Americans traveling or relocating abroad seek supplemental travel health coverage, while others need annual international health protection coverage. Medical evacuation insurance is essential for living or working abroad, as it covers the high costs of repatriating an injured traveler home. Understand the distinctions between international health and travel medical insurance to find which type […]

Life insurance policies accumulate tax-deferred, so their cash value can be borrowed or sold without incurring taxes. However, when cashing out your life insurance policy via full surrender, partial surrender, loan repayment or direct withdrawal, the IRS could consider some of that money investment income. Taxes on Investment Gains Many types of life insurance policies […]

Trikes have quickly become a favorite on the road due to their increased safety, stability compared to bikes, and unique look. Unfortunately, however, due to their additional weight and power they can also be more costly to insure than standard bikes. No matter if it is factory-built or converted from two wheels, when getting insurance […]

Without dental insurance, tooth extractions typically cost $75-200 without anesthesia; surgical extractions may incur further expense. Dental savings plans may also help you cut your costs significantly; however, each situation differs and it’s impossible to predict exactly how much the bill will be. Costs of a Simple Extractions Dental procedures can be expensive without dental […]

Whole life insurance provides a death benefit and cash value that grows at a guaranteed rate, regardless of market fluctuations. Furthermore, whole life policies feature savings components from which you can withdraw funds during your lifetime. Whole life coverage tends to be more costly than term life policies; however, simplified issue and guaranteed issue policies […]

GEICO permits you to cancel your policy at any time; however, for optimal coverage purposes it’s wiser to wait until your new one has become active and paid up in order to prevent an interruption in coverage. Be prepared before calling to cancel, with both your policy number and insurance card at hand, so as […]

Are You Seeking an Engaging Career Change with High Commission and Variety in Insurance Sales? This Guide Will Assist In Determining If It is the Perfect Fit Many people have false perceptions about what an insurance agent does. Therefore, it is vital that realistic expectations are set. Sales Insurance may be an ideal career option […]

Insurance fraud is an organized criminal enterprise with devastating economic repercussions, costing both companies and consumers billions each year. Committed by everyone from homeowners staging burglaries to doctors overbilling patients for procedures, insurance fraud has reached new depths of deceitfulness in recent years. Insurance fraud can be reported by anyone, from members of the general […]

New York is a no-fault insurance state, meaning this policy protects drivers, passengers and pedestrians injured in automobile accidents without assigning blame for their losses. Insurance covers medical/health expenses, lost wages and any other reasonable and necessary expenses associated with an accident. To access these benefits, an examination under oath (EUO) must take place wherein […]

How your oral surgery is covered by medical insurance depends upon the nature and reimbursement rates used by both plans, given how claims for both medical and dental coverage differ significantly. Most traditional and HMO medical plans provide coverage for dental-involved surgeries for treatment of fractures, dislocations and facial wounds/lacerations. Click here to find out […]