Category Archives: Finance Guide

Harry Truman initiated the establishment of a national health program by asking Congress for legislation to be enacted in 1945. He was the first to sign up under the Lyndon Johnson law, twenty years later. Two decades ago, the dangers of socialized medicine were being debated. Now, the United States has opened Medicare to all seniors over […]

Healthcare insurance can be a complex world to navigate, full of jargon and acronyms that can leave even the savviest consumer scratching their head. One such acronym is UCR, which stands for Usual, Customary and Reasonable. If you’ve ever received an Explanation of Benefits (EOB) from your insurer or had to file a claim with […]

Everyone who is medically eligible for long-term care insurance must be aware of the importance of this coverage. Why? Here are 10 reasons why. 1. The odds are in your favor: Your chances of needing long-term care have risen to 70%. Seven out of ten Americans will use their policies, which is more than an auto accident or […]

It is similar to buying and selling a cross-purchase plan by using your life insurance to finance a Buy/Sell Redemption Plan. You are effectively using the proceeds from your life insurance to fund a Buy/Sell Redemption Plan to make changes in ownership on a partner, a corporation or a member. This could be similar to basic buy-sell […]

What is Health Insurance? Affordable health insurance is essential to protect you in the event of an unexpected, costly emergency. This is possible only by comparing prices from all the major insurance companies and choosing the best health insurance plan for you. In the past, it was difficult to find affordable health insurance. Nowadays, students, small groups, families, […]

I rarely spend too much time watching reality TV shows. I think that if it wasn’t for Barry Manilow appearing last year on a segment, I might have missed the American Idol phenomenon completely. I also would have missed the immensely entertaining interaction between Simon Cowell, the Idol hopefuls, and the constantly changing rounds of Idol […]

Doctors are not the only professionals that require medical malpractice insurance, as the insurance industry is trying to keep costs down. Many doctor’s offices now have nurse practitioners available to help patients while the doctor tends to other patients. To reduce the cost of rehabilitation and nursing homes, many people are turning to traveling nurses to care […]

Did you add payment protection insurance to your mortgage, personal loan, or credit card application? If you did, it’s possible that this costly form of protection will not be useful if you have to file a claim. Payment protection insurance (also known by unemployment insurance) is a simple concept. If you have a sudden decrease in your […]

To avoid any unexpected costs, it is best to be cautious when taking out a loan or purchasing life insurance. Most people believe that general insurance will provide protection for you and your belongings. It is important that you have all terms and conditions in place when you sign a policy for general insurance. Some things that […]

South Carolina’s car insurance laws require that drivers have a minimum level of insurance in order to legally drive. On South Carolina’s 78,000-mile public roads, there are 3.8 millions of licensed drivers. South Carolina has the nation’s second highest fatality rate in car crashes. This highlights the importance of South Carolina residents having comprehensive auto insurance. South Carolina has laws […]