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After you have become an insurance trainee, an insurance company office may try to guide your future. You and your long-time insurance professional share one thing in common. You are both in business for yourselves. You are not reimbursed for gas, time or costs associated with obtaining people to learn more about your insurance products. You can save […]

Life insurance payouts could become subject to estate taxes if they increase the value of your estate beyond certain thresholds. To understand how it could impact you personally, speak to a tax professional regarding what might apply in this instance. Permanent life insurance policies typically feature a cash value component that accrues tax-deferred interest, making […]

Dealing with insurance claims is never enjoyable for either party involved. By sharing the estimate of work with your contractor they can ensure it covers everything in its scope without incurring extra costs or overcharges. Liability insurance protects both clients and passerby during roof renovation work from potential financial repercussions in case an accident happens […]

Renting a car can be an efficient way to get around, particularly if you lack access to one. Unfortunately, most rental vehicles only come equipped with state minimum liability coverage. Credit cards often offer additional coverage to their cardholders. Furthermore, most personal auto policies provide coverage for rental car services as well as dedicated rental […]

Cell phone insurance may seem like a great money-saver when you need to repair or replace an outmoded device, but be wary when considering your options. Some credit cards provide complimentary cellphone insurance when paying your phone bill with them, providing cardholders with additional benefits when using that card to make payments. Other cards offer […]

Credit life insurance (often known as credit card death benefit coverage or loan protection insurance) pays off debt when someone dies, usually as part of mortgage, auto or bank loans. These policies typically cost more than standard life insurance policies due to their single premium payment which accumulates as an outstanding balance each month. It […]

Life insurance provides a death benefit that will ease financial pressures on loved ones following your passing. It’s one of the most critical financial decisions anyone can make. Selecting a life insurance company requires long-term commitment and it’s crucial that you find an insurer with a good track record. To do this, examine factors like […]

After an accident, your car insurance provider may send a check to cover repair costs (minus your deductible). This usually goes to either your lien holder if financing your vehicle or the body shop that agreed to make repairs. What if I don’t intend to use the money for repairs? Can I keep the check? […]

When applying for medical coverage through the Marketplace, Medicaid or BadgerCare Plus, most applicants’ income is assessed using MAGI rules. Housing allowance payments may also count as income under certain restrictions. ECFA’s Housing Allowance Estimate Worksheet can provide useful assistance, though this document only summarizes regulations rather than offering personalized tax or legal advice. Housing […]

MoneyGeek advises conducting your own research before purchasing life insurance from Primerica, since their agents are known to push customers too aggressively during sales sessions. Primerica only offers term life insurance policies, which don’t build cash value or pay dividends; thus you cannot borrow against or withdraw from them. Cost MoneyGeek conducted research of more […]