Your goals and priorities will probably change as you plan to retire. Along with them, your insurance needs may change as well. Retirement is typically a good time to review the different parts of your insurance program and make any changes that might be needed.Stay well with good health insuranceAfter you retire, you'll probably focus more on your health than ever before. Staying healthy is your goal, and that may require more visits to the...more
Few life changes are of more consequence than a divorce. In addition to the financial and emotional difficulties, you'll face special concerns about your insurance coverage. Planning for these changes should begin long before the divorce is final. The selection of life and health insurance beneficiaries may have to be revised. If you have children, many of your insurance concerns will center on whether you are granted custody. And because it's...more
Life insurance is an agreement between you (the policy owner) and an insurer. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. Proper life insurance coverage should provide you with peace of mind, since you know that those you care about will be financially protected after you die.The many uses of life insuranceOne of the most common reasons for buying life insurance is to replace the loss of income that would occur in the event of your death. When you die and your paychecks stop, your family may be left with limited resources. Proceeds from a life insurance policy make cash available to support your family almost immediately upon your death. Life insurance is also commonly used to pay any debts that you may leave behind. Life insurance can be used to pay off mortgages, car loans, and credit card debts, leaving other remaining assets intact for your family. Life insurance proceeds can also be used to pay for final expenses and estate taxes. Finally, life insurance can create an estate for your heirs.How much life insurance do you need?Your life...more
Travel Insurance Become Protected while Traveling Planning on happening a trip outside the country? One of the things that it is best to do before you travel is to get a travel insurance. This sort of insurance coverage is designed to protect you whenever accidents or financial issues occur when you are out of the country. Whether you're...more
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, however, once you understand the basic types of life insurance policies.Term life insuranceWith a term policy, you get "pure" life insurance coverage. Term...more
Drivers shopping for the best New Jersey insurance premiums are guaranteed four rights under the New Jersey state insurance law. These rights cover quotes, refusal to insure, different options and policy changes. These four rights protect insurance shoppers when they are trying to find cheaper premiums by combining insurance coverages and asking for the list of discounts given to customers.By understanding the rights New Jersey insurance shoppers have, shopping for cheaper automobile insurance becomes easier and safer. When a driver calls an insurance agent for a premium quote, that agent must, by law, provide the requested information within five days giving consumers needed information quickly. If insurance coverage is denied to any driver, that driver must receive a document stating the reason for the denial. Every driver should review this information for accuracy. Each insurance agent will offer a driver three different insurance scenarios allowing the driver to choose the insurance package fitting his or her needs. With the right to change, the coverages and policy at any time consumers can quickly adjust the policy to reflect changes in their situation. Moreover, if the...more
Ever wondered what will be if some unexpected negative event takes place during your ski vacation without you having purchased ski insurance? It is not only going to spoil your whole fun of a ski trip but it also can make you go through the financial...more
Ways to resolve your grievances against insurance companies Insurance companies not staying on their commitments is not a new thing for policyholders. There are examples galore on the subject. A person underwent 3 surgeries simultaneously with...more
Payment Protection Insurance issues explored Many people find it very difficult to manage money, which can be a big concern. The state of the economy has caused many troubles, one being the struggle that people face to manage their money. The...more
Pregnancy Insurance: Insurance is a Must for the Pregnant Women Men and women should have medical insurance in the present world. pregnancy insurance is obviously a mother of the next day. Pregnancy insurance for the pregnant women is,...more
buying Cheaper Health Insurance - Is Health Insurance Online Cheaper? One of the most important things we need to take care of is our health. Our lives depend on it. If we do not have the health to sustain the daily demands of life, then, we...more
Self Employed Health Insurance in California More often than not, consumers in CA like to go for group health insurance offered by their employers. However, all the business owners do not offer this facility. Moreover, all the consumers in CA...more