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Although it is difficult and costly to buy life insurance after being diagnosed with cancer, you may be able purchase a policy. You’ll have to evaluate whether the available coverage and cost make financial sense for you. Patients with cancer typically are not eligible for guaranteed-issue policies that offer limited coverage or pay out less in the […]

Many people wonder, can you sell your life insurance policy? You might decide to sell your life insurance policy for a variety of reasons. You might have a better deal or just need the cash. No matter what your motivation, you can sell life insurance policies for cash using a process called a “life settlement”. There are some things you should […]

Summary: Travel insurance provides emergency coverage for travelers who travel from their country to cover a medical emergency abroad. It covers medical evacuations and emergency situations. It is possible that your home health insurance does not cover you overseas, so it is a smart idea to get travel medical coverage. Example Story Imagine the following: Your […]

You may have to pay more for repairs if your vehicle is damaged in an accident. You should also consider other costs such as phone calls to handle claims or the financial impact of being absent from work for any reason. These miscellaneous costs are not covered by motor legal coverage. What’s the benefit? Recovery of costs, […]

With all the ongoing expenses and living costs, life is expensive enough. It’s natural to delay investing in things that don’t give you an immediate return (you hope), such as life insurance. Additionally, younger people are less likely to think about death and live a more busy life, so they rarely discuss the topic. Many single […]

Two things that you can influence to affect premiums are Cover (i.e. You can influence what and how much coverage you have and Claims. You need to consider all four elements of Cover. * Excess – The amount you will pay for each claim. This should result in a decrease in premiums. The amount of excess you need […]

Although there are many possible severe weather events in the country, statistics show that fire is the most serious threat to families and individuals. Every day, families in every state have been affected by fires at home or in their apartments. Tragically, each day, at least two families are affected by a fire in their home or […]

This article will explain how to determine if an umbrella is right to you. It will also show you how to find out how much it costs, what it covers, how affordable it can be, and how you can lose it. It is important to understand that insurance is an individual decision. Based on hundreds of customer […]

It’s often a puzzle to me, as an insurance agent for many years. Why don’t people buy sensible protection? Why not “self-insure” large risks instead of purchasing affordable protection? Here are my top 10 reasons people don’t purchase insurance. 1. It is not necessary. Although you may be required to purchase insurance by a bank loan, business contract […]

Mutual insurance companies have long been a staple of the insurance industry, offering customers protection and access to risk management solutions. But with the rise of new business models that are rapidly transforming the sector, many organizations are turning to mutual insurance holding companies (MIHCs) as a way to drive growth. So what is an […]