Category Archives: Finance Guide

Insurance companies offering different insurance lines often offer bundle discounts, also known as multi-policy discounts. Multi-policy discounts are most popular for auto and home insurance bundles. Bundling insurance doesn’t mean your auto and home are covered under the same policy. It only means they are insured by the same carrier. These discounts can often be the biggest and […]

Are you one of the millions of Americans who doesn’t have health insurance? Or maybe you’re just curious about how many people are in the same boat as you. Either way, you’ve come to the right place. In this blog post, we’ll explore just how many people are without health insurance and what it means […]

Employers increasingly offer retiree health coverage through health reimbursement arrangements (HRA), which help their employees cover plan-eligible medical expenses during retirement. Employer premium payments are generally exempt from taxes, helping employees keep costs for health insurance at bay after tax payments. But is this exemption permanent? Taxes on Premiums Employer contributions toward retiree health insurance […]

Short-term health insurance provides coverage gaps. This type of policy differs from major medical policies in that they’re less expensive and shorter in duration – though they still need to cover all ten of ACA essential benefits, these typically exclude services like maternity care or behavioral/mental health. Cost Short-term plans offer low upfront costs while […]

Information contained within a policy’s insuring agreement will vary depending on the type of insurance being purchased; for example, homeowner’s policies typically contain named-perils coverage limits premiums and deductibles. Navigating policy exclusions and exceptions may seem intimidating, but this information is vital in understanding exactly what coverage exists within an insurance policy. Definitions The Definitions […]

Uber is a convenient ride hailing service that provides passengers with an alternative to taxis. Uber also maintains auto insurance for its drivers and can cover damages caused to your car in case of an accident. But does your own car policy provide coverage when working for Uber? Keep reading to find out. Liability Coverage […]

It’s obvious that young drivers have a limited budget for car insurance. This article has 17 tips to help you find low-cost motor insurance. 1. Do your research. Find insurance companies that offer policies specific to your age, gender, and occupation. Ask your friends and family for advice on the best insurance policy. They might have information about […]

One of the most prominent UK insurance companies has won the race to introduce road pricing. They launched a car insurance policy that takes into account more than just the usual factors used to determine insurance premiums, such as driving experience, age, gender, vehicle type, etc. You also drive where, when and how often. This scheme […]

Natural disasters can cause devastating damage like few other things. Natural disasters can do extensive damage, from wildfires to hurricanes. It is important to know how to begin the recovery process after a natural disaster. This will make a big difference in your ability to rebuild your life quickly and return to normal. You want to be […]

In that they aim to make profits, insurance companies are no different from any other business. A company must accurately price its products to make profits. There are many methods to do this. Underwriting is the insurance company’s method of “evaluating” a risk to determine a price and profit. No longer are driving records, accident history and […]