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Homeowners insurance typically reimburses foundation repairs through either actual cash value or replacement cost coverage; however, damage must have been caused by perils covered under your policy in order to receive reimbursement. Cracked walls and doors/windows that don’t close properly as well as sagging floors can all indicate foundation problems in a home, though negligence […]

Mechanical bulls are popular at entertainment venues and parties, but they pose inherent risks that must be managed effectively to minimize injury to guests and ultimately reduce insurance premiums. Business owners must also consider additional costs such as equipment storage and maintenance fees. Comparing policies and taking proactive safety measures may help further decrease insurance […]

Primerica is a multi-level marketing company offering insurance, investments and financial services to middle-income families throughout the US. They enjoy an excellent financial rating from the National Association of Insurance Commissioners as well as scoring relatively highly on J.D. Power’s customer satisfaction survey. However, many customers are dissatisfied with their Primerica life insurance policies and […]

Life insurance provides families with peace of mind when planning for their death. Policy owners make regular payments called premiums that will eventually be distributed as tax-free lump sum payments upon their passing. Acquiring a 100% disability rating can enable veterans to take advantage of a range of additional benefits, such as free VA healthcare, […]

Many couples assume only income-earning partners require life insurance policies. What about stay-at-home parents or those without employment incomes? “They may not bring in much income, but their contributions to their families are invaluable – from cooking gourmet meals to helping students prepare science fair projects.” It’s worth protecting these invaluable members of society.” Term […]

An automobile is considered totaled when its repair costs exceed its actual cash value (ACV). Insurance companies estimate this figure by studying repairs done, checking current listings in the area, and using tools like Kelley Blue Book to arrive at an estimation of ACV. Once the company makes its decision, there can be many calculations […]

Gap insurance typically comes bundled into your loan payments through your auto insurer or dealership and then discontinued when enough loan payments have been made to match up with the car’s value. Once that point arrives, however, gap insurance can be removed from your plan altogether. Gap insurance provides essential protection to drivers with upside-down […]

Independent insurance brokers will do anything to get a 200% increase in their salary commissions. Learn how and why a broker’s salary with total commissions rising 20% is a better deal. Independent insurance brokers are often not attracted by marketing campaigns. Imagine yourself as an insurance salesperson who is earning a commission on every sale, instead of […]

Are you ready to hit the road with your food truck business? Before you start serving up delicious dishes, it’s important to make sure that you have the right insurance coverage in place. Food truck insurance can be a significant expense, but it’s essential for protecting your business and complying with legal requirements. In this […]

Are you wondering if dental insurance is tax deductible? It’s a common question that many people have when considering their healthcare expenses. Dental insurance can be a lifesaver for those unexpected trips to the dentist, but it can also be confusing when it comes to taxes. In this blog post, we’ll explore whether or not […]