Category Archives: Finance Guide

Term life insurance provides coverage for a fixed duration such as 10, 20 or 30 years and tends to be less costly than whole life, which lasts your entire lifetime and builds cash value that you can borrow against. Return-of-premium policies provide you with all or a portion of your premiums back at the end […]

Windshield damage typically falls under comprehensive coverage in a car insurance policy, and should be reported promptly; even small chips can quickly expand into cracks that necessitate replacement of an entire windshield. Most insurers won’t increase your premiums after making a comprehensive claim, but it is wise to get any damage inspected prior to driving […]

Understanding your flood zone is essential to making informed decisions regarding whether or not to purchase flood insurance. FEMA uses flood zones to identify areas at increased risk of flooding. If your property lies within an A, A1-A30, AE or VE flood zone, your mortgage lender may require that you purchase flood insurance as a […]

Most states mandate drivers demonstrate financial responsibility for accidents by purchasing car insurance; others allow drivers to fulfill this requirement through other methods, such as paying a bond or making cash deposits. New York requires that all drivers carry both Liability coverage and Personal Injury Protection (PIP). You can also opt for uninsured/underinsured motorist coverage […]

Pearle Vision is one of the largest optical retail chains in the U.S. with hundreds of eyecare locations that specialize in customer service excellence and accept most major vision insurance plans. Eye exams are essential to overall health, helping detect potentially life-threatening issues like glaucoma early. From scheduling an appointment or purchasing new glasses, Pearle […]

Mortgage Protection Insurance (MPI) is a form of life insurance designed to pay off your outstanding mortgage debt should you die. Additionally, MPI may cover expenses like disability and unemployment benefits and often requires no medical exams – making it an attractive alternative for people who can’t qualify for term or whole life policies due […]

Assuming you possess excellent customer service skills and are ambitious enough, the insurance industry may provide an ideal setting for long-term employment. Many jobs within this field require at least a high school diploma as well as on-the-job training to succeed. If you want to sell insurance, obtaining a license is required – though the […]

Statista estimates that about 47.5 millions Americans bike, with the majority of them young adults. As the number of cyclists has grown from 43 million to 47.5 millions in recent years, it continues to rise. It is not the most dangerous sport, but it is still a risky one. According to the Insurance Institute for Highway Safety, 843 bicyclists were killed […]

Any health issue that is present or known before your pet health insurance kicks in is considered a pre-existing condition. It is important to sign up for coverage as soon as possible. Is pet insurance available for pre-existing conditions? Pre-existing conditions will not be covered by pet insurance. They will not be covered by subscription-based community options. Even if […]

You will need to have active car insurance in Connecticut to drive legally. Connecticut has severe penalties for drivers who drive without insurance. It is important that you meet the minimum requirements for car insurance. To protect your finances, you may want to add coverage. These are the essential facts to make sure you don’t get fined or […]