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Even if a suicide victim has a insurance policy, it is difficult to make a financial decision for loved ones. Although life insurers will pay out in certain instances, some contractual disqualifiers may exclude policy beneficiaries from receiving a death benefit. What is the best way to cover suicide with life insurance? In many cases, life insurance […]

Many public sector employees find themselves in stressful situations. They are responsible for managing the insurance function, which is often a result of restructurings. This article will share some of the things that worked for me in stressful situations. I hope they can help you adapt to your own situation. The Problem. Let’s first agree on […]

Financial regulators are a lot like umpiring baseball games. It is not easy work and you won’t win many friends if you do it well. Benjamin Lawsky isn’t a very popular man these days as New York’s Superintendent of Financial Services. Lawsky is being a very good financial regulator. Being a good financial regulator means being […]

The United States has a higher rate of hearing loss than most people realize. Nearly 10% of all drivers suffer from some form of hearing loss today. The AARP states that 33% of older people have some hearing loss. This percentage is doubled for those 75 years and older. The life of someone with hearing loss can be more difficult than […]

You might feel overwhelmed when you are buying life insurance. Even the best life insurance companies can feel overwhelmed by industry lingo, which can make purchasing a policy seem overwhelming. You might wonder, when you are shopping for life insurance, what is the face value of that policy? The face value of your policy, also known as […]

“Picture this: you’re sitting in your car, fumbling through your glove compartment for your insurance card while the officer stands impatiently outside. You can’t help but wonder – do I even have to give them my ex’s insurance information? Well, worry no more! In this blog post, we’ll explore whether or not you’re legally required […]

Wealthy individuals use life insurance to achieve various financial goals, such as passing down wealth. Furthermore, this form of policy can also protect their estate against tax increases. An effective first step to creating a plan tailored specifically to your unique financial circumstances and long-term goals is consulting a financial advisor experienced with high net-worth […]

Many mortgage lenders require home buyers to secure homeowners insurance (hazard insurance). It covers things such as structures, loss of use and personal property. Homeowners with mortgages typically add the premium into their monthly payment via an escrow account; however, the benefits of this policy extend far beyond meeting lender requirements. Homeowners’ Insurance Policy Hazard […]

Before the Affordable Care Act was implemented, private health plans sold on the health insurance marketplace did not typically cover mental health services; now however, most of them do. The Affordable Care Act’s (ACA) parity rules mandate that if your health plan offers therapy services, they must do so at an equivalent level as other […]

At traffic stops and routine patrols, police officers will “run” your license plate number to quickly check its insurance status. Thanks to modern technologies like Automatic License Plate Reader (APLR) and in-car computers linked directly to state databases, police can often confirm whether your insurance is valid almost instantly. Maintaining proof of insurance is key […]