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Whole life insurance policies provide long-term protection. Your premium contributes toward building up cash value – similar to a savings account which accumulates interest over time. Some whole life products with shorter guaranteed payment periods produce a higher basic cash value than 10 pay policies, yet using policy blending and paid-up additions we can create […]

USAA provides competitive car insurance rates and provides other financial services at extremely competitive prices, and boasts impressive customer satisfaction and strength ratings compared to many competitors. Joining USAA depends on several criteria, but qualifying is easy if you have military ties or family members who are currently members. Membership can even pass down through […]

USAA Earthquake Insurance covers more than just loss of use and personal property damage: It also offers protection for: Earthquake insurance rates differ by insurer and typically cost an average of $3.54 per thousand dollars of coverage. USAA members can take advantage of discounts on travel, car rentals, home security systems and moving services; gym […]

Hospitals negotiate with insurance companies to secure fair reimbursement rates, with the results having an immediate effect on how easily you are able to access healthcare in Dayton. Hospitals now enjoy more negotiating power than ever thanks to a new federal rule requiring them to disclose prices for 70 common routine services. Cost-effectiveness Hospitals now […]

If your life insurance policy has lost financial value, consider selling it through life settlement to licensed providers like Coventry for a lump sum cash payment. These transactions are processed as quickly and smoothly as possible by these providers. Investors typically favor whole life policies with high cash value. This value is calculated based on […]

As an independent psychologist or working for a clinic, any claim of negligence can be costly. Psychologist insurance provides significant financial protection against the risk of lawsuits and associated costs. Legal expenses, income losses and monetary judgments can all be covered with legal liability coverage. Cyber Insurance policies also exist to protect against data breaches […]

Home warranties are service contracts that provide coverage for repairs or replacement of appliances and systems in your house due to normal wear and tear, such as due to severe weather or vandalism. Unfortunately, they won’t protect against perils such as this though. Most lenders require homeowners insurance and most homeowners purchase a home warranty […]

Title insurance costs can be one of the more perplexing line items on a closing cost worksheet, yet getting an approximate idea of their costs should not be difficult. This article will help you gain an understanding of how TRID-regulated disclosures such as Closing Disclosure and Loan Estimate are calculated so you can shop around […]

Homeowners insurance is an invaluable tool, yet some issues still occur that don’t seem covered. A common example involves stucco damage caused by water, particularly around doors and windows. Are Homeowners Insurance Policy Cover Damage? It depends on several factors. First and foremost is whether or not the damage occurred as a result of an […]

Insurance holding companies must disclose various information to state regulators, including details on each insurer within their system’s financial condition and management as well as details about any material agreements or transactions between insurer and affiliates (e.g. asset sales/purchases, loans, dividends/distributions to shareholders/pledge of stock). ALIGNED can connect you with a commercial insurance expert who […]