Group health insurance plans provided through employers typically cover some or all costs for medical services like visits to doctors and approved in- and outpatient procedures, prescriptions and therapeutic care services. Group insurance premiums are deducted directly from employees’ paychecks before being taxed, providing tax advantages for both employers and workers alike. Its advantages are […]
Category Archives: Finance Guide
10
May
May
Mortgage insurance protects lenders against loss if you default on your loan. It’s typically required for conventional loans with down payments below 20% and FHA mortgages, and payments may either be made up front or included as part of monthly installments. Make a larger down payment or opt for a piggyback second mortgage to avoid […]
10
May
May
Graded death benefit whole life insurance offers a unique solution for people whose health conditions or lifestyle risks make traditional whole life coverage hard to access. Typically more affordable and offering guaranteed coverage, graded death benefit policies provide guaranteed coverage with graded benefits. However, there are certain terms and conditions to take into consideration before […]
10
May
May
Insurance agent careers offer some of the highest potential earnings, yet still come with challenges and frustrations. You will hear more no’s than yes’s in this industry! Maintaining customer retention will bring in additional profits by selling renewal policies to existing clients. Commissions Insurance agents receive commission for each policy premium they sell, with commission […]
09
May
May
Variable market conditions have prompted many adjustments and changes in the surety industry. This article provides an update for all lenders and bankers on the current situation, as well as the trends within this group of financial institutions that issue bonds to the construction industry. Contract documents stipulate that surety bonds are used to guarantee project owners […]
09
May
May
Ohio Mutual provides the coverage that homeowners and auto owners need in the United States, whether they live in the northeast or midwest. This insurance provider has been providing comprehensive coverage to residents for more than 100 years. Ohio Mutual is a top choice for anyone looking for coverage. It has a strong financial foundation, great customer […]
09
May
May
Online Health Insurance for Seniors A good friend asked me where he could find information on medical insurance for his elderly mother who was out of state. I advised him to use the internet. A week later, he reported to me in despair: “I am giving-up, I am too confused.” His widowed mother was living in […]
09
May
May
In 2020, there were more than 97,000 traffic crashes in Harris County. This is Houston, Texas. 466 of these accidents resulted in fatalities. Houston drivers want to avoid the financial consequences of an accident. One way to do this is to buy auto insurance. According to Bankrate’s 2021 study, the average cost of Houston car insurance is $691 for minimum […]
09
May
May
The worst thing about water restoration is when the adjuster calls to tell you that your invoice is too high. In my 14+ years of water restoration, I have received many calls from adjusters stating that my price for this fan or dehumidifier is too high. I used to get annoyed by this until I discovered the […]
09
May
May
Many insurance companies are becoming more strict about claims made by customers to prevent fraud. While some insurers may delay payment in order to raise legitimate questions about claims, other insurers dither or refuse payment for no apparent reason. These are the most common excuses that insurance companies use to deny or limit auto, home, […]