Category Archives: Finance Guide

Shopping for car insurance can be a daunting task. With so many companies and policies to choose from, it can be hard to know which one is right for you. But beyond just the coverage and cost of a policy, customer service should also be a major factor in deciding which company to go with. […]

You may have to pay more for repairs if your vehicle is damaged in an accident. You should also consider other costs such as phone calls to handle claims or the financial impact of being absent from work for any reason. These miscellaneous costs are not covered by motor legal coverage. What’s the benefit? Recovery of costs, […]

It doesn’t mean you need to buy insurance if you want insurance for home improvements. It’s not a bad idea, however. This is especially true if you’re going to do the home improvements yourself. What if you’re going to hire someone else? What can you do to protect yourself against any damages that may occur while they or […]

Long Term Care (LTC) insurance markets provide various forms of coverage. This may include room and board, skilled nursing care, intermediate care and custodial care as well as home health, adult day care hospice and respite care – usually paid for with premiums that will eventually be reimbursed after an agreed upon look-back period has […]

Under the Affordable Care Act, all full-time employers and their dependents are mandated to offer health coverage to employees and dependents. Employers have various options available to them for providing this coverage for their employees. In this article, we’ll look at three great strategies available to small businesses: health reimbursement arrangements (HRAs), employer-sponsored plans and […]

Dependent upon the nature of your incident, you may need to file multiple insurance claims at once. A good plan will make this easier while helping ensure you receive the fairest settlement. Adjusters may attempt to dismantle your claim with tactics like delaying, lowballing and gaslighting. Here are six things you should keep in mind […]

Life insurance death benefits may be distributed in various ways, such as lump sum, installments or an annuity. Some permanent policies also feature cash value accumulation and nonforfeiture provisions. Policyholders often name a beneficiary who will receive the death benefit when someone passes. This enables heirs to pay outstanding debts, funeral costs and taxes before […]

Mutual insurance companies have long been a staple of the insurance industry, offering customers protection and access to risk management solutions. But with the rise of new business models that are rapidly transforming the sector, many organizations are turning to mutual insurance holding companies (MIHCs) as a way to drive growth. So what is an […]

Most successful businesses are involved in risk management at some point. Assessing and managing risk can be done in a number of ways. It is an integral part of most businesses’ basic planning. No matter your business, no matter who you may be, avoid risk management is risky. Why insurance exists in first place It is important to […]

California is the most populous state in the United States, home to over 39 million people. The state’s economy is diverse and robust—but currently, it is facing some tough times due to the COVID-19 pandemic. As a result, many people have found themselves unemployed and are relying on unemployment insurance to make ends meet. But […]