Private health insurance plans can be expensive, particularly those with higher deductibles. But there are ways to lower costs. Individual and family marketplace plans with premium subsidies may make coverage more accessible to those in need, though additional factors can affect costs as well. Costs Private health insurance refers to any individual or family plan […]
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Health savings accounts (HSAs) can be an effective tool for planning and paying for future healthcare costs – provided they’re used properly. HSA funds can be spent tax-free if used to cover eligible medical expenses such as deductibles, copayments and coinsurance premiums. You can even use them for over-the-counter medicines and services like acupuncture or […]
When it comes to financial security, FDIC insurance coverage offers peace of mind for many people. But what exactly does FDIC insurance cover? How much is it worth? In this article, we will discuss the ins and outs of FDIC insurance coverage. We’ll look at what FDIC insurance covers, how much coverage is available, and […]
If you’re looking for an insurance agent, you want to make sure that they are trustworthy and have your best interests at heart. But what about their legal obligations? Are insurance agents fiduciaries? In this blog post, we’ll provide a rundown of what it means to be a fiduciary and how it applies to insurance […]
When it comes to sending important documents, there is no room for mistakes. And when it comes to mail, most people strive to find the safest and most secure way to get their packages safely delivered. But what about insurance on first class mail? In this blog post, we’ll explore the ins and outs of […]
Life insurance policies offer a variety of dividend options that can help financial planners ensure their clients receive the best returns on their policy. Dividend options range from straight life, to endowments and annuities, but there is one option that stands alone—which of the following is not a dividend option for a life insurance policy? […]
North Dakota’s 62.5% homeownership rate is slightly lower than that of the nation, which stands at 63.9%. The average cost for home insurance in North Dakota is $1,828 annually. This includes $250,000 of dwelling coverage. North Dakota homeowners may wish to protect their investment by purchasing the right homeowners policy. There are many top-rated home insurance companies that sell policies […]
While women may have their own views on life insurance, both sexes share similar opinions about death. Haven Life found that both men and women believe that their deaths will have a significant impact on their families. Both men and women agreed that the death of a spouse who is primary caregiver or primary earner would have a negative […]
Many belongings are kept in your home, including photo books, electronic devices, furniture, and work materials. Personal belongings are not only important for personal attachment. Homeowners insurance policies also include this standard coverage. Personal property coverage protects you and your home from common perils such as theft, fire, and falling objects. Your home insurance policy has provisions […]
Insurance policies may be cancelled and non-renewed for various reasons, including nonpayment of payments or changes in risk as well as conditions on your home or property. Most insurers require giving enough time (varies depending on state) for replacement coverage to be acquired. If your insurance has been cancelled or non-renewed, reach out to your […]