Are you sitting on a life insurance policy that you’re not quite sure how to fully leverage? Many people don’t realize that their life insurance policies hold cash value, which can be accessed and used for various financial needs. In this blog post, we’ll guide you through the steps of finding the cash value of […]
Category Archives: Finance Guide
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Apr
Apr
Many young adults in South Carolina are 19 years old or younger. While the cost for car insurance is below the national averages at $558 per year for minimum coverage and $1512 for full coverage respectively, safety on the roads is a frequent concern. According to the South Carolina Department of Public Safety, 1.4 people were killed or injured […]
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Apr
Apr
You buy a car. The average national cost of full coverage car insurance is $1674 per annum. However, your rate may be higher or lower depending upon your personal characteristics and whereabouts. You may be eligible to save money on your auto insurance if you’re a homeowner. Insurance companies may offer discounts when you bundle your auto and home […]
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Apr
Apr
An HO-2 policy, also known as a “broad type” of homeowners insurance, is available from some insurance companies. However, HO-2 policies provide less coverage than the more popular HO-3 policy. To make the best insurance decision, it is important to understand what HO-2 policies cover and don’t cover. What is HO-2 Insurance? In general, insurance companies offer eight types […]
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Apr
Apr
Buying a new car in California is an exciting experience, but it can also be stressful when it comes to navigating the state’s insurance laws. You may find yourself wondering how long you have to add your newly purchased vehicle to your existing insurance policy or if you need to purchase a new one altogether. […]
30
Apr
Apr
When you think about protecting your diamond, it is important to consider having your diamond insured. You wouldn’t hesitate to insure a high-end car like a Ferrari, and why shouldn’t you do the same for a diamond? Your diamond piece of jewelry will be protected against theft, loss, or any other unfortunate events. There are three types of […]
30
Apr
Apr
Looking forward to that long-awaited trip you’ve been planning for months? Exciting! But before you pack your bags and head off to the airport, there’s an important question you need to ask yourself: “Should I buy air travel insurance?” With the uncertainty of today’s world, it can be hard to know whether or not this […]
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Apr
Apr
Renters insurance can often go unappreciated. Many assume that landlords already cover it, when in reality most policies only protect physical dwellings – not any personal possessions within. MoneyGeek advises purchasing an insurance policy as it can save a great deal of trouble in case of fire or burglary – plus, it’s quite affordable! Coverage […]
30
Apr
Apr
Millions of people receive advance premium tax credits (APTC) to help lower their marketplace insurance costs. When they enroll in marketplace coverage, they provide an estimate of their income; if this differs significantly from reality, some or all of their APTC may need to be returned when filing taxes. 1. Excess Subsidies Most marketplace enrollees […]
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Apr
Apr
If you purchase or lease a new vehicle from your lender, they may provide gap coverage. Be sure to review all documentation to determine whether this coverage exists for your vehicle. Gap insurance (commonly referred to as loan/lease payoff coverage) protects you against depreciation on vehicles over time. With proper gap insurance in place, this […]