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Cargo insurance can be an intricate issue to navigate, yet essential in creating fair trade practices between all companies. Dumping is a serious threat which necessitates fair-trade measures for its mitigation – the dumping margin plays a vital role when calculating how much anti-dumping duty should be imposed. Value of the Goods Value of goods […]

Endowment life insurance policies combine life coverage and savings for a specific goal. While they may seem convenient, they can also be quite costly. Endowments provide a low-risk investment option with limited interest payout. Due to tax code modifications that recategorize them as modified endowment contracts, pure endowment policies are no longer sold in the […]

After you have purchased an annuity, life insurance policy, and named your beneficiaries you might never look back. This could be a huge mistake. Your ex-spouse will get the proceeds if you divorce and remarry, but you fail to change your beneficiary to your current spouse. Other life events, such as divorce or death, can be grounds […]

Although it might seem impossible to visualize, you will likely need help later on in your life. It is up to you to pay for it. Long-term care insurance can be a way to plan. Long-term care is a term that refers to services not covered by regular insurance. This includes help with daily routine activities like dressing, […]

Are you a travel agent who is constantly asked about the best travel insurance options for your clients? With so many policies available, it can be overwhelming to know which one to recommend. As a trusted advisor for all things travel-related, it’s important to offer comprehensive and reliable coverage that meets your client’s needs while […]

Are you currently without health insurance? Or are you considering dropping your health coverage to save some money? It’s important to understand the risks and consequences of being uninsured, both for yourself and your loved ones. In this blog post, we’ll explore how long you can be without health insurance before it becomes a serious […]

Proposed government changes could bring an end to the seemingly endless rise in car insurance costs. New proposals will result in a major U-turn in the Ogden rate, the rate at which compensations are made to victims of serious accidents, which is also known as the Ogden Rate. In an effort to make the system […]

These are the Three Essential Parts of an Auto Insurance Policy 1: Other Party Auto insurance Bodily Injury (BI), Liability (PD) and Property Damage (PD), coverages are legally required in many states. (BI & PD). Most people know they need BI & PD coverage, but don’t know how to decide how much. This is a simple […]

NerdWallet writers are subject matter experts who use primary, reliable sources to produce content for our website. All content is reviewed for accuracy and timeliness before being approved for publication. Mutual insurance companies exist all around the globe and aim to provide coverage at or close to cost, returning any profits back to members in […]

COLA riders allow your primary insurance amount (PIA) to increase each year based on inflation; however, they come at an extra cost. Before making a decision to add a COLA rider, it is important to take into account all costs involved, including going through underwriting again, answering health questions and receiving medical exam results. Being […]