Category Archives: Finance Guide

Today in the United States, Managed Care Plans have become the most popular form of health care coverage. Managed Care Plans are very different from Indemnity Plans. Under an Indemnity Plan, a policy holder can seek medical attention whenever and wherever it is essential. With a Managed Care Plan, a policy holder has many limitations […]

Farmers Insurance Farmers Insurance was founded in 1928 by John C. Tyler, a California-based partner, and Thomas E. Leavey, a client. The partners started going door to door pitching policies for farmers in order to test their theory. Farmers Insurance Group was born from their fledgling business. It is still based out of Los Angeles. The group includes […]

Understanding your auto insurance policy is key to determining if you are properly insured. It is important to understand the components of your car insurance policy and how they relate with your financial protection. In all states except for New Hampshire, vehicle owners are required by law to carry a certain amount of insurance coverage to register and […]

Arizona drivers must have minimum coverage in order to legally drive their car. Arizona drivers will pay on average $555 per year for minimum coverage, and $1,547 for full coverage. Car insurance rates can be personalized depending on factors such as age, credit score, and location. Arizona drivers have access to dozens of car insurance companies that […]

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 […]

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 […]