Category Archives: Finance Guide

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 […]

Renting a car can be a great way to get around if you don’t own one. But if you’re going to rent one, you’ll want to make sure you have the right coverage in place so that you’re protected in the event of an accident. Rental car companies offer their own policies, but they can […]

For many people, the idea of buying private health insurance can be a daunting one. With so many different types of plans and choices available, it’s easy to feel confused and overwhelmed when choosing the right one for you and your family. The good news is that there are steps you can take to simplify […]

The best product in Australia is funeral insurance. It has only been available for a few years. Prior to this, only a few companies offered funeral coverage. It was costly and not worth it. There are many companies competing for your business, so funeral and crematory insurance is more affordable, competitive and widely available. You only have to […]

How do I make an insurance claim? IT’S TIME TO GET ORGANIZED! What about a loss that isn’t your fault like a car accident? It’s not too late to organize! Start a File After your loss, you must immediately create a new file. You can buy a cardboard folder that looks like an accordion and store lots of paperwork. You […]

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 […]

If you have suffered an injury and require crutches, you may be wondering if your insurance covers the cost. After all, crutches are not cheap and can put a strain on your finances. Understanding what is covered by your insurance policy can help alleviate some of that stress. In this blog post, we’ll explore the […]

After a car accident or other property damage, the insurance company usually sends an estimate of the cost of repairs. But reading this estimate can be confusing and often overwhelming. In this blog post, we will go over the basics of what to look for when receiving an estimate from your insurance company and how […]

Many contractors don’t realize how important it is to publish their insurance bid specifications each year. This will allow you to interrogate the market and save you a lot of money. This is true for Liability, Auto, Property, and Workers Compensation Insurance. 1. The bid specifications must include all information required by the broker to create a quotation. […]

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 […]