Category Archives: Finance Guide

All motorists must be covered by the state. If you do not have insurance and own a vehicle in Kentucky, your registration will be suspended. You could face serious penalties if you are caught driving without insurance. These include fines, suspension of your driver’s license, registration suspension and jail time. Kentucky requires minimum insurance Each state has minimum insurance […]

Condo insurance protects personal belongings and pays for repairs should disaster strike, but how much coverage do you require? Your dwelling (sometimes known as building property coverage) depends on three key variables. They include whether or not you still owe on a mortgage loan, the cost of labor and materials in your area and any […]

It is illegal to drive without insurance Alabama is no exception. Each state has its own penalties when drivers drive without insurance. According to the Insurance Information Institute (iii), 19.5% drivers in Alabama were not insured in 2019, making it the 7th most uninsured state. Alabama drivers who drive without insurance can face heavy fines and even prison time. It […]

Workers’ Compensation coverage provides essential protection from these costly medical costs, which could potentially devastate your business without it. Most states mandate employers purchase workers’ comp insurance for all of their employees, but what about smaller businesses with only 1099 contractors as employees? Typically, 1099 workers do not need workers’ comp insurance; however, some clients […]

Low rates may be harder to find for drivers who have multiple at-fault injuries, tickets, or a DUI. Your license could also be restricted, suspended, or revoked if you are reckless or high-risk driver in California. California high-risk insurance for auto is an option when traditional vehicle insurance is not available or is too expensive. California rates for high-risk […]

If you purchased a term life policy several years ago and its term life policy is now coming up for renewal, your family’s needs may have altered since. Although annual renewal options exist, premiums tend to increase each year. Assuming your contract will soon expire, it would be wise to start considering all available options […]

Oftentimes, we forget that life spans continue to increase. As a result, the average person now lives over seven years longer than they did just a few decades ago. And as our lives span into later years, it’s only natural to start thinking about retirement and what will happen after we die. But before you […]

There are many homeowners insurance providers on the market. However, if you are active duty military personnel or veterans, there may be some that are worth your consideration. When you are deployed, military personnel have special coverage requirements. Home insurance for veterans can offer tailored coverage to address a range of situations that service members may face. The best […]

Patient or Guarantor medical histories provided to hospitals for billing purposes usually contain details regarding diagnoses or procedures performed, person responsible for payment (ie Patient or Guarantor), as well as insurance provider contact details. Some insurers require family medical histories on proposal forms for health and life insurance, in order to assess your risk and […]

You can choose from several insurance coverages in your property insurance policy. Personal liability insurance protects you from injuries that may occur at your apartment or home. Personal liability insurance is often well-worth it, regardless of whether you own or rent. What is personal liability insurance? Many homeowners and condo renters insurance policies include personal responsibility coverage. This provides financial […]