Category Archives: Finance Guide

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 […]

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 […]

Buying a car from a dealership is an exciting experience, but it’s also one that comes with some important responsibilities. Not only do you need to review the contract and make sure you’re getting the best deal possible, but you also need to think about what kind of insurance coverage is required by law when […]

Recent reports indicate that insurance sales careers are on the rise. The U.S. Department Labor reported a rise of 900 jobs in December 2005, and another 2,500 in January 2006. Although the rising trend in insurance sales is encouraging news, many agents quit the industry, falling prey to the usual perils of selling insurance. You can […]

Exmouth and Moora, both in Western Australia, don’t share much in common with Sydney. This year, however, there is a unifying bond. We all felt the full force Mother Nature. Flooding in Moora, a Wheatbelt community, caused damage of approximately $10 million to homes and properties. The community suffered millions of dollars more when Cyclone Vance struck […]

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 […]