Category Archives: Finance Guide

Whole life policies offer both death benefits and cash value growth that’s tax-deferred, providing access to funds for your future needs. Investment and protection elements make up the two key components of whole life insurance policies, respectively. This term refers to personal finances rather than actuarial calculations. What Is The Net Amount At Risk? The […]

As is often the case when selecting group health insurance policies, selecting one may seem daunting and bewildering. There are several aspects to take into account such as network availability, deductible amounts and coinsurance structures that need to be addressed before making a final decision. Your employees deserve coverage that fits their healthcare needs while […]

Answering this question depends on your policy and whether or not additional coverage exists. Typically, renters insurance includes bicycles under personal property coverage that protects from items stolen either inside or outside your home. Coverage may also help cover expenses if a covered loss, like fire or vandalism, forces you out of your home. Personal […]

If you pay your car insurance premium in full each year, you may qualify for a paid-in-full discount from insurance companies. They do this to encourage customers to make one lump-sum payment upfront and save themselves some hassle when paying premiums later. Payment in full does not prevent your policy from being cancelled or non-renewed […]

Driving without car insurance in Vermont will cost you. There are many administrative steps that must be taken to correct the situation. In Vermont, there are not only fines for driving without insurance. These are time-consuming and will result in additional costs and financial penalties. Vermont requires minimum insurance Vermont law requires that drivers maintain certain levels of auto liability […]

When you quit your job, many aspects of your life may change. One thing you may not think about is the impact quitting can have on your health insurance. How long does the health insurance provided by your employer last after quitting? This article will explore the answer to this question and more, so read […]

Michigan law requires that no-fault insurance be purchased. Michigan law requires that every auto owner purchase basic coverages to register their vehicle. It is illegal to drive or allow your car to be driven without insurance. There are 3 parts to the basic no-fault policy: 1) Personal Injury Protection (PIP). This part of your policy covers all medical […]

Full coverage is a preferred or mandatory form of car insurance coverage. Although car insurance companies may have some differences when it comes to what is included, full coverage insurance typically means that your auto insurance policy includes coverage for damage to your own vehicle as well as coverage for the damages and injuries that you cause to […]

When unfortunate events occur, such as a stolen item, it can be difficult to determine who is responsible and how you can get your items back. If the incident happened while you were a patron at a business, the situation may be even more confusing. This blog post aims to clarify what kind of protection […]

Medicare covers many services for people with mental illness or substance abuse disorders. However, there are special rules that limit the coverage and reimbursement. Medicare does not cover services for mental, behavioral and substance abuse disorders as well as other services. Treatment of Substance Use Disorders and Alcoholism Medicare will cover treatment for alcoholism and other […]