Category Archives: Finance Guide

Term life insurance provides short-term financial coverage that may help meet immediate needs such as raising children, paying off debts or building wealth. Compared with permanent options like whole life policies, term policies often prove more cost-effective. The top life insurance providers combine reasonable premiums with exceptional customer satisfaction scores and strong financial strength ratings, […]

When a minor health concern, like an itchy rash or bug bite, requires urgent care and your primary physician is booked out, urgent care may be the perfect solution. But you might be curious as to the cost associated with such visits without insurance coverage. Answers can differ depending on whether your chosen urgent care […]

Are Scleral Lenses Covered By Insurance? Scleral lenses are large, rigid gas permeable contact lenses designed to rest on the white of your eye. They offer relief from several conditions like Keratoconus and severe dry eye syndrome. Scleral lenses require significant training from optometrists, expensive equipment and multiple visits in order to find an ideal […]

Rush University Medical Center and Rush Copley medical centers both have customer service representatives and financial counselors available Monday through Friday who can assist in understanding and managing your insurance coverage. They’re available Monday to Friday. Rush University Medical Center is widely respected for patient care, research and teaching. Their new medical hospital, The Tower, […]

Purchase of a new car can be thrilling, but before driving off the lot you should secure both comprehensive and collision coverage as well as possibly gap insurance. Many lenders require that you carry this form of coverage when trading in a car; your current policy typically offers protection for an indeterminate time period after […]

Motorcycle insurance isn’t just required by law; it also offers peace of mind and can save the day in case something goes wrong. Keep reading to understand whether your policy covers multiple bikes as well as ways you can save with roadside assistance and other coverages. Coverage is Transferable Motorcycles offer great freedom on the […]

A leaky ceiling is more than an unsightly water stain; it’s a potential time bomb that could lead to extensive structural issues and mold growth, potentially impacting both your home insurance coverage and any repairs necessary. Understanding if your policy includes repair or replacement is vital. Water stains and leaky ceilings may be caused by […]

Water damage is one of the most prevalent and devastating forms of home damage, but you can take steps to safeguard against it. Standard homeowners insurance typically covers certain forms of water damage; however, flood damage is generally excluded and therefore it is wise to get a separate policy specifically covering floods. Floods are a […]

Your roof is an exposed part of your home that is vulnerable to numerous threats. Homeowners insurance policies usually cover repairs or replacement when damaged due to an insured loss. Home insurance policies typically include dwelling coverage that protects roofs; however, any claims are reduced by your deductible amount and must meet certain thresholds to […]

Premiums are payments to insurance companies in exchange for coverage. They may be paid monthly, quarterly, semiannually or annually and determined based on factors like policy type, risk analysis and demographic data. Underwriters carefully consider dozens or even hundreds of factors when underwriting policies to assess their risk level and ensure an acceptable risk profile […]