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Medical payments car insurance (MedPay) provides coverage that pays for medical expenses following an accident, up to its policy limits. MedPay may cover medical deductibles and copays as well as costs such as ambulance fees, chiropractic treatment or dental work. But is it really worth it? Read on to gain more knowledge of its operation, […]

A lender’s title policy protects mortgage lenders in Illinois against property-related risks like undisclosed heirs or forgery; typically ranging between 0.5%-1.0% of the home sale price, these policies typically cost 0.5%-1.0%. Homeowner’s policies aren’t required by law, but are recommended in order to avoid potential legal disputes related to ownership. Plus, this one-off payment provides […]

With recent bank failures such as Silicon Valley Bank, it’s essential that you understand how FDIC insurance works and can protect your funds up to $250,000 should a bank fail. This government-backed protection offers peace of mind. FDIC insurance covers deposit accounts and official items like cashier’s checks. Gaining knowledge of FDIC can help you […]

Dirt bikes do not qualify for coverage under standard auto policies; instead they fall under the category of motorcycles and thus require licensing and registration as well as an insurance policy which meets minimum liability requirements in your state. There are various strategies you can employ to lower the costs associated with dirt bike insurance, […]

Health insurance often (but not always) covers psychiatry costs. When selecting your psychiatrist, make sure it is part of your health plan’s network and that they will accept payment from your insurer for visits. Some community mental health clinics and psychiatrists provide sliding scale rates based on income for uninsured patients, providing significant savings when […]

Long term care insurance can be an intelligent investment, but you must keep certain factors in mind before purchasing. Premiums tend to increase as we age and certain medical conditions prevent insurance carriers from providing coverage. Long-term care insurance provides protection from the high costs of care while helping to preserve retirement savings. Health Long-term […]

Are you looking for a life insurance policy that offers flexibility in terms of premiums and investment options? If so, then variable universal life insurance might just be the right fit for you. This type of policy allows you to adjust both your premiums and death benefits while also giving you the opportunity to invest […]

Cryptocurrencies have been around for a few years now, and with their popularity comes volatility. Many people invest in cryptocurrencies in the hope that they will make a profit, but it’s important to remember that you can also lose money if you’re not careful. In this blog post, I’ll outline some tips to help you […]

Most states require that you have car insurance. We all know this. What do we do? We get car insurance so that we can drive and have fun. Some people are more successful at getting a great car insurance company and a great rate than others. You say? What’s the secret? Although it’s not an enjoyable task, getting the best […]

If you are wondering, “does insurance cover roof replacement,” it depends on the circumstance. If your roof or structure is damaged by an insured peril, a home insurance policy will cover it. Some policies may exclude or name specific perils. It is possible to have your roof replaced due to unforeseeable events or severe weather, other than flooding. Standard homeowners […]