Category Archives: Finance Guide

Health insurance is an essential part of any worker’s life. It can be the difference between having access to much-needed medical care or being stuck in dire financial straits. Unfortunately, not everyone has access to work health insurance, which can be expensive and difficult to obtain. This article will cover the basics of how to […]

There are two types of property damage: property damage caused by another person to your property, or damage due to a natural disaster. Property damage you cause to someone else’s property. Your property can be protected from many possible disasters, such as fire, smoke, vandalism, flood, and fire. It is important to understand the details and […]

It’s too late. Every day thousands of people hear this and feel that sinking feeling when it becomes apparent that something they once had is no longer available to them. People with no savings, or less than two months’ wages in the bank (which is the majority of people working age), were able to purchase Income Protection […]

Even though you don’t own the car, auto insurance must be purchased when you lease it. This is because you must meet the minimum auto insurance requirements wherever you lease a car. You also need to comply with any additional requirements that your lessor may have, such as collision and comprehensive coverage. For a leased car, […]

Driving without insurance is a class 2 offense in South Dakota. A judge will decide the severity of penalties for each driver. Drivers can expect to pay a minimum of $100, 30 days in jail, or both, as well as a license suspension for not following South Dakota’s financial responsibility laws. They must also file proof of insurance, […]

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 […]

Windshield repair is a crucial element of car maintenance. If your windshield gets damaged, it’s important to fix the crack or chip as soon as possible. But many people are unsure about the impact that repairing their windshield will have on their insurance premium. Will you have to pay more for your insurance after getting […]

Employee health insurance is a critical part of any business. And setting up the right system for it can be just as tricky. Whether you’re a small business owner, or an experienced professional, this blog post will help you understand the basics of how to set up employee health insurance in QuickBooks. We’ll go over […]

Gap insurance is a valuable form of coverage that many people are unfamiliar with, but can be an invaluable resource in certain situations. Does Prestige Financial Services offer this kind of coverage? In this article, we will explore the different types of gap insurance offered by Prestige Financial Services and what makes them different from […]

It’s often a puzzle to me, as an insurance agent for many years. Why don’t people buy sensible protection? Why not “self-insure” large risks instead of purchasing affordable protection? Here are my top 10 reasons people don’t purchase insurance. 1. It is not necessary. Although you may be required to purchase insurance by a bank loan, business contract […]