Category Archives: Finance Guide

This is a strange question, but many investors are searching for reliable investment products after suffering one of the worst economic downturns in history. This means that many investors are looking for guaranteed investment products such as guaranteed interest contracts issued by insurance companies (GIC) or bank Guarantees Investment Certificates (bank GIC). Guaranteed investment products that […]

Both mandatory and optional provisions in health insurance policies are included. This lesson will discuss optional provisions in your health insurance. What are the optional provisions in health insurance policies? Let’s talk about Cathy, who is interested in purchasing health insurance. The policy’s mandatory provisions were explained by her insurance agent. Now she must decide which optional […]

Car crashes cost around $242 billion in damages and productivity losses every year, according to the National Highway Traffic Safety Administration.Car insurance is meant to protect you from financial losses resulting from collisions or other damage. You could find yourself in a difficult position if your auto policy is cancelled. If your car insurance provider cancels your coverage, there may […]

I was raised in East Liverpool, Ohio. It is located in Ohio near the intersection of Ohio, Pennsylvania, and West Virginia. It was home to approximately 22,000. The population today is just under 13,000 My town has produced some remarkable and unique people. Let me tell you about a man who understood the importance of providing value to his clients […]

This article focuses on the business of insurance agents, financial planners, trusted advisors, and marketers. They have been in business for long enough to understand that it is rewarding, that they love it, and that they have reached senior citizen status. There are a growing number of people who are still in the business. Some of us […]

People have two main concerns about retirement income: 1. saving enough money to retire and 2. running out before they run out of life. The expectation that seniors will live 20,30,40, and more years than the average retirement age of 62 to 65 is very real. Even though everyone is concerned about it, those younger than us […]

Life insurance is one of the most sought-after employee perks, often provided for free or at a reasonable cost and providing coverage up to an individual’s base salary multiple. Supplemental life policies are also available with payroll deduction premiums paid, although employer-sponsored policies may not meet all of your family’s needs. Group Term Life Insurance […]

As with HMO plans, POS health insurance plans require participants to select a Primary Care Provider (PCP), and may even require referrals for specialists. Unlike HMO plans however, POS plans enable participants to seek out-of-network care at higher costs; POS plans represent a hybrid between HMOs and Preferred Provider Organization (PPO) plans. In-Network and Out-of-Network […]

Homeowners’ insurance typically doesn’t cover tree removal unless it forms part of an overall loss covered by their policy, since home insurance is intended to cover unexpected or unforeseeable events that might happen suddenly and unexpectedly. However, if a tree falls due to a covered peril (like an intense storm) and causes damage to your […]

As soon as you plan on proposing soon or have been given an engagement ring, or already own one yourself, you may be contemplating the best way to insure it. A jewelry policy can ensure its protection from loss, theft and damage – something home and car policies don’t provide. An independent insurance professional can […]