Category Archives: Finance Guide

Whole life insurance provides coverage that lasts the entirety of an insured person’s lifetime and provides guaranteed death benefits and premiums that don’t fluctuate over time. Universal life insurance provides greater flexibility when it comes to premium payments, making this an attractive solution for individuals experiencing income fluctuations or lifestyle shifts. Premiums If you’re shopping […]

Car insurance providers typically prioritize vehicle owners in case of an accident, and it is usually not possible to insure someone else’s car unless there can be proof of an insurable interest. In general, this means either being related to or living in the same household as its owner; however, other options exist as well. […]

Accidents involving vehicles can be both stressful and expensive, with long-term effects that could impact on both insurance premiums and rates. Accidents on your record could remain for three to five years depending on state regulations and severity. But that does not signify an irreversible situation – in time, your rates should drop again. 1. […]

Homeowners insurance can help homeowners manage the expense associated with roof repair costs. Under an open peril or named peril policy, an insurer may cover some or all of these costs to repair or replace an damaged roof. Property owners need to prepare themselves by gathering all the necessary documents, hiring an experienced contractor and […]

Your insurer’s guidelines will dictate whether a permit driver must be added to your policy or not, although most expect them to be covered under their parents or guardians’ policies since they have limited driving experience. However, if a young driver owns their own car titled under their own name or lives at a permanent […]

Farmers Insurance and RPA have joined forces to unveil 16 TV, social and digital ads featuring their iconic “Professor Burke” spokescharacter. These spots emphasize that some things cannot be compromised on, like quality insurance and savings products. Thomas Forsythe, a Farmers agent from Southern California, submitted this entertaining video featuring his customer being hit from […]

Car insurance is required in many states because it demonstrates financial responsibility and protects from potential large financial burdens should an accident happen. Without car insurance, severe penalties such as license and registration suspension or cancellation could apply – penalties that include license suspension/revocation as well as fines/penalties can arise from accidents occurring without it. […]

An insurance pre-licensing course makes the learning experience less daunting for many individuals who face the task of passing their state’s insurance licensing exam. Kaplan Financial stands out from the pack due to their budget-friendly prices, course packages containing invaluable learning tools and impressive test pass rates. While their forced progression model may prove frustrating […]

After the death of a loved one, dealing with life insurance paperwork can be daunting. Luckily, there are resources available to you that will assist with finding any lost policies or annuity contracts. Are You Missing Money From an Estate of Deceased Relatives? Attempt using the National Association of Insurance Commissioners Search Tool, as well […]

Traditional dental insurance coverage typically comprises monthly premium, deductible and coinsurance payments; some plans even offer maximum annual coverage amounts. Dental discount programs provide an affordable alternative to traditional insurance plans, typically charging an upfront membership fee and covering preventive services 100% without deductibles or copays while offering discounts on other procedures. Preventative Care Dental […]