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Cataract surgery is an increasingly common medical procedure that helps improve vision in those suffering from cataracts. Unfortunately, however, cataract surgeries are costly; Medicare beneficiaries frequently incur out-of-pocket expenses for their procedures. At cataract surgery, your surgeon makes small incisions in your eye before using ultrasound waves to break up and suction out cloudy lenses […]

If you want to buy life insurance on someone who is dying, there are a few different strategies you could pursue. But for an impartial viewpoint and proper guidance it is vitally important to speak with an independent fee-only fiduciary financial advisor first. Keep in mind that any attempt at concealing information or lying on […]

Whole life insurance provides coverage that lasts the entirety of an insured person’s lifetime and provides guaranteed death benefits and premiums that don’t fluctuate over time. Universal life insurance provides greater flexibility when it comes to premium payments, making this an attractive solution for individuals experiencing income fluctuations or lifestyle shifts. Premiums If you’re shopping […]

Car insurance providers typically prioritize vehicle owners in case of an accident, and it is usually not possible to insure someone else’s car unless there can be proof of an insurable interest. In general, this means either being related to or living in the same household as its owner; however, other options exist as well. […]

Homeowners insurance can help homeowners manage the expense associated with roof repair costs. Under an open peril or named peril policy, an insurer may cover some or all of these costs to repair or replace an damaged roof. Property owners need to prepare themselves by gathering all the necessary documents, hiring an experienced contractor and […]

Your insurer’s guidelines will dictate whether a permit driver must be added to your policy or not, although most expect them to be covered under their parents or guardians’ policies since they have limited driving experience. However, if a young driver owns their own car titled under their own name or lives at a permanent […]

An insurance pre-licensing course makes the learning experience less daunting for many individuals who face the task of passing their state’s insurance licensing exam. Kaplan Financial stands out from the pack due to their budget-friendly prices, course packages containing invaluable learning tools and impressive test pass rates. While their forced progression model may prove frustrating […]

After the death of a loved one, dealing with life insurance paperwork can be daunting. Luckily, there are resources available to you that will assist with finding any lost policies or annuity contracts. Are You Missing Money From an Estate of Deceased Relatives? Attempt using the National Association of Insurance Commissioners Search Tool, as well […]

PIP insurance in New York covers medical bills, partial reimbursement of lost wages and property damage; however, insurance companies may deny a personal injury claim for various reasons. Denials could result from unclear policy language; in such instances it would be wise to consult an attorney. Policy Exclusions Policy exclusions are designed to limit coverage […]

Comprehensive car insurance claims cover damage caused by events other than collision with another vehicle or object (covered by collision coverage). Examples include theft, vandalism and natural disasters. As with collision coverage, comprehensive car insurance comes with its own set of deductibles – this amount represents what must be paid before any claims payment can […]