Search Results for: insurance

The results of insurance career sales training are a never-ending nightmare. My career in insurance was no exception. Untrained insurance managers expect magical sales results from their career agent trainees. I saw this pattern of incessant training repeatedly. I was dressed like a professional, but working as a slave with no freedom. In reality, I had a vision of […]

Modesto homeowners pay $885 per year for coverage on a $250,000 home, compared to the average cost of homeowners insurance at £1,312. Residents should still consider their options in order to find the most affordable homeowners insurance. Bankrate identified the five top-rated Modesto homeowners insurance providers based on affordability and coverage options. They also included discounts that are […]

If you own a whole life insurance policy, its cash value can be accessed as long as all loans and withdrawals have been repaid in full. There may however be certain restrictions to this access. New York Life financial professionals can assist in helping you determine if this option is suitable for your situation. Premiums […]

Your health insurance premium depends on which plan and service(s) you select, along with premium, deductible, copayments and coinsurance costs. At eHealth, our Health Insurance Price Index Report will give you an idea of the average costs. Premiums Your monthly premium payment for health insurance is the premium, an amount paid in exchange for its […]

Business liability insurance covers damage that your business is responsible for to third-parties. However, this does not extend to injury to employees covered by workers’ compensation insurance or damage to your own property covered by commercial property insurance policies. Cost of business liability insurance varies by industry and location, with businesses in higher-risk industries paying […]

The card gives essential information about you and your coverage to physicians, and helps avoid billing problems. Additionally, it includes details of your insurance provider that could prove invaluable should any issues arise with them later on. If your coverage comprises both Medicare and an employer plan, you’ll likely have multiple cards representing individual aspects […]

An MSA is a special account created to manage medical expenses not covered by Medicare. As its rules and regulations can be complex, injured parties should review CMS’s WCMSA Reference Guide carefully as they work with an administrator to make sure funds are spent accordingly and reported properly. High-deductible health plans (HDHPs) High-deductible health plans […]

Roofs are exposed to severe weather and often neglected during routine maintenance checks; as such, they’re one of the more frequently damaged parts of a home. Luckily, homeowners insurance can cover repair or replacement costs incurred from damage due to storms. However, it’s essential that you read your policy thoroughly to assess if this type […]

Supplemental health insurance provides peace of mind in an uncertain medical climate. This type of policy pays out lump sum payments that help mitigate potential financial risk in specific scenarios like critical illness and accidents. Supplemental policies are meant to supplement, rather than replace, traditional health care plans. With affordable monthly premiums and fixed indemnity […]

Assuming you gave permission for another person to drive your vehicle, their auto insurance should cover them under liability, personal injury protection and collision coverages. Note that extended family and roommates who will use your vehicle regularly should be included as drivers on your policy, or else they risk being excluded from coverage. Permissive Use […]