Category Archives: Finance Guide

People tend to only consider life insurance when they reach their senior years. This means they might miss out on coverage and premiums that are cheaper when they’re younger. A lifetime of coverage may be available with the best life insurance that can adjust to your changing needs. Life insurance is a valuable part of financial planning if you […]

Insurers, regulators, law enforcement officers, and legislators have spent significant resources over the years to combat health care fraud. Based on annual estimates, however, it appears that the problem persists despite all the reported efforts. This could indicate that healthcare fraud is on the rise and cannot be stopped. Our health system is infested by health […]

DASHCAMERA INTRO A dashboard camera is a camera placed on the windshield or dashboard of your car and records everything you do while driving. Advanced versions of the cameras can record rear views and some have infra red sensors that enable recording in the dark. As soon as the engine starts, the camera switches on automatically and […]

San Jose is the third-largest California city. It is a desirable place to live, and also has the highest insurance rates.Geico and State FarmOn average, they offer the lowest car insurance rates in San Jose. Bankrate’s 2021 study on annual premiums and quoted prices found that the following:Average cost of car insuranceThe cost of full coverage […]

InsuranceA Mustang costs on average $2,077 per year for a full-coverage policyBased on Bankrate’s review and comparison of average premiums from Quadrant information Services. Mustangs, as with luxury vehicles, are costly to insure and maintain. Insurance for Mustangs can be more expensive than for an economy sedan like the Toyota Camry due to their engine capabilities and […]

In the United States, where driving and traffic are so commonplaces, it’s very easy to take a driver’s license as a given. DACA recipients and those without a social security number may have difficulty obtaining a driver’s license. Homeland Security has extended protections to non-citizens arriving in the United States as children under the Deferred Action for […]

Recent news stories have once again criticized the insurance companies for not providing critical illness insurance. A critical illness claim is more complicated than a claim under life insurance. It will be difficult for an insurance company to claim that you are not dead with life insurance. Critical illness claims can be more complex by their very […]

You are an actuary, or another insurance professional and need to file rate changes with the State Departments of Insurance. You are limited on time so it is important that the state approves your rate changes immediately. This scenario is something I’ve been involved in for over 15 years. When filing rate files, my goal is to […]

You may need special coverage called SR22 if you have been identified by the Motor Vehicle Department as a high-risk driver. SR22 is proof that you have sufficient insurance to legally drive after a major driving offense. You should ask the Motor Vehicle Department if you are eligible for SR22 coverage. Common reasons include a DUI, DWI, […]

nearly 20 Americans are subject to physical abuse by their intimate partners every minute. This is more than 10,000,000 women and men per year. It has been hard to adjust to a COVID world . This is especially true for domestic violence victims who are forced to live with their abusers. Coronavirus, which brought a new wave […]