Category Archives: Finance Guide

Nothing marks growing up more vividly than receiving one’s driver’s license, a momentous event which often causes parents equal amounts of joy and fear. Assuming you live in a state where mandatory car insurance coverage exists for teens isn’t automatically necessary; rather, this decision depends on both you and your insurer. It’s Not Necessary No […]

Dogs in cars are the most common concern. The flip side of the coin can also be dangerous. Hypothermia can occur in dogs when their body temperature falls below the normal level. This can lead to death in some cases. Pet owners should consider keeping their four-legged loved ones warm whenever possible. While this may seem less important during warmer […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]