Category Archives: Finance Guide

Are you familiar with Pca? No, we’re not talking about the Personal Care Assistant. We’re referring to an important term in health insurance that you should know. Pca stands for Primary Care Physician and it plays a crucial role in your healthcare journey. In this blog post, we’ll dive deep into what Pca means in […]

Are you looking for a career that offers flexibility, independence, and the opportunity to help people? If so, becoming a life insurance agent may be just what you need! Not only does it provide financial security for your clients but also an excellent source of income for yourself. However, before starting this exciting journey, there […]

The Internal Revenue Service defines funeral trusts as “a ‘pooled Income Fund’ that is established by a funeral home/cemetery and to which a person transfers assets to cover future funeral or burial costs.” This can save survivors a lot and help them make difficult decisions. As a condition for admission, some nursing homes require that a funeral trust […]

If your car is totaled, its insurance provider is typically required to reimburse its actual cash value (commonly known as its book value). Insurance companies assess a vehicle’s value based on factors like its current condition, pre-accident value, and recent sales of similar cars. Determining the Value of Your Car If you want to keep […]

When an accident is minor and no injuries have been sustained, it may make sense to settle without insurance; however, doing so could leave you responsible for medical costs or car repairs incurred by other drivers involved. If the other driver was injured and you failed to report the accident, they can file suit against […]

Before purchasing a home, it’s essential to be familiar with its surrounding flood zones. Flood zones help assess risk levels, setting mandatory insurance purchase requirements and building codes in high-risk areas. Zones beginning with A or V are designated Special Flood Hazard Areas (SFHAs), having an approximate one percent risk of flooding annually. High-Risk Zones […]

The best car and home insurance bundles provide exceptional customer service, excellent mobile apps and plenty of coverage options. In addition, these policies typically feature one deductible; meaning if both your car and house are damaged simultaneously in one event, only one deductible payment will apply instead of two deductible payments being necessary. Each company […]

Subscribing your teen driver to an existing car insurance policy may be less expensive. To reduce costs further, The Zebra suggests parents encourage good grades among their teen, make sure that he or she stays in an affordable vehicle, and look into discounts available that could reduce rates. Cost of the Car Addition of teenage […]

You will be charged higher premiums for life insurance if you have had any previous injuries. Most people who pose a risk are listed under the “Rated acceptance Terms,” meaning that they are considered to be a greater risk than average and will have to pay higher premiums. It sounds unfair, and it could be if […]

Cleveland is a city with a rich cultural history. 41.6% residents own their homes in the city. The city is plagued by crime and winter weather challenges, so homeowners insurance policies are a must. A $250K home’s average homeowners insurance rate is $1,165. This is lower than the average of $13,312. Bankrate reviewed cost, customer service, and financial stability to find the […]