Category Archives: Finance Guide

Disability, unemployment insurance—and for some, the possibility of collecting both benefits at the same time. It’s a complex issue that requires a closer look and understanding of both programs. So can you collect disability and unemployment insurance at the same time? While there is no definite yes-or-no answer to this question, it is certainly possible […]

Unprepared families can end up spending a lot of money on a cheap term life insurance policy if they keep it too long. Term insurance can help protect your family against financial disaster. However, it is not a good idea to keep the same policy unless it is too late to get permanent coverage. Term life […]

The cost of renters insurance will vary depending on where you live, what coverage you choose, and whether or not you have ever filed any claims. Your credit history can have a significant impact on your rate in many states. NerdWallet’s recent analysis found that renters insurance rates in states with credit rating factors are 83% higher for […]

Driving is an everyday part of your daily life. You may not think about the logistics involved in keeping a car on the roads. It is important to understand and follow your state’s insurance laws. In West Virginia, drivers must maintain mandatory insurance limits to operate a vehicle. The mandatory insurance limits in West Virginia are intended to […]

As a rental property owner, you may be concerned about the tax implications of insurance proceeds. After all, if you receive money from an insurance claim on your property, is it taxable? It’s a great question and one that deserves an answer. In this blog post, we’ll take a look at whether or not insurance […]

Life insurance policies can benefit you in two ways. They pay in the event you die and allow you to accumulate tax-deferred savings. Although it can be beneficial if you have a need for insurance, you should not buy insurance policies to save money. There are more economical ways to save money. Term insurance is the most […]

Whole life policies offer both death benefits and cash value growth that’s tax-deferred, providing access to funds for your future needs. Investment and protection elements make up the two key components of whole life insurance policies, respectively. This term refers to personal finances rather than actuarial calculations. What Is The Net Amount At Risk? The […]

As is often the case when selecting group health insurance policies, selecting one may seem daunting and bewildering. There are several aspects to take into account such as network availability, deductible amounts and coinsurance structures that need to be addressed before making a final decision. Your employees deserve coverage that fits their healthcare needs while […]

Answering this question depends on your policy and whether or not additional coverage exists. Typically, renters insurance includes bicycles under personal property coverage that protects from items stolen either inside or outside your home. Coverage may also help cover expenses if a covered loss, like fire or vandalism, forces you out of your home. Personal […]

If you pay your car insurance premium in full each year, you may qualify for a paid-in-full discount from insurance companies. They do this to encourage customers to make one lump-sum payment upfront and save themselves some hassle when paying premiums later. Payment in full does not prevent your policy from being cancelled or non-renewed […]