Learn all there is to know about insurance.
You are probably aware of how smoking can affect your health, but do you know how it changes your health insurance premiums? Determining Factors Health insurance premiums are determined based on five factors: age, location, plan category, number of dependents, and tobacco use. Insurance companies define tobacco use as the use of tobacco products (cigarettes, […]
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You already know that marriage will change a lot of things in your life. When you say “I do” you are combining your entire world – and often your home – with someone else’s. Among the changes that come with married life are adjustments you should make to your insurance coverage. Home & Property If […]
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You may think that the only parents who need life insurance are working parents, but that isn’t exactly correct. A stay at home parent is more than just a mother or father. These individuals wear many hats: tutor, chef, chauffeur, housekeeper, caretaker, and more. The true value of these duties is priceless, but the economic […]
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Starting to drive is one of the most exciting experiences for teenagers, but it can also be one of the most dangerous. According to the CDC, teenagers are the most likely age group to get into a traffic accident. Teens are more likely to speed and less likely to wear seatbelts than older drivers. They […]
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As a business owner, the health and safety of your employees should be a top priority. Not only are healthy employees happier, but they are more productive, too. Ultimately, having high health and safety standards will also reduce costs to your business since insurance premiums will be lower with a cleaner safety record. Additionally, having […]
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If you are reasonably healthy with no preexisting medical conditions, it is likely that your best bet for getting great life insurance at a low rate is to take a physical exam. This exam determines if you are prone to illnesses that would make you a higher risk to insure, such as diabetes, heart disease, […]
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Parking lots are considered one of the most dangerous places to drive for a reason. With limited visibility, crowded spaces, and mediocre signage, parking lots are hot spots for fender benders on a daily basis. When an accident happens in a parking lot, there are typically three characters who have an important role to play […]
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Selecting a life insurance policy is an important step for planning ahead and taking care of the financial well-being of your family. But can you still get coverage if you aren’t a US citizen? In most cases, yes. There are very few instances where your citizenship status disqualifies you from coverage. The circumstances of your […]
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We know you do everything you can to keep your house safe, especially if you have small children or adventurous pets. You’ve tied up the drawstrings on your blinds, placed non-slip grips on the shower floor, secured your cleaning liquids in an upper cabinet, and changed the batteries in the smoke detector, so everything checks […]
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Permanent life insurance, sometimes referred to as whole life insurance, is a policy guaranteed to remain in force for the insured’s entire lifetime as long as the premiums are paid. While it serves its purpose of helping your beneficiaries when you pass away, it can also help you financially during your lifetime in several ways. […]
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