Archive for the ‘Insurance’ Category
Wednesday, September 10th, 2008
This is a continuation on tips when choosing an insurance agent. In the previous article, I discussed about selecting insurance agents selling Life Insurance, now I will discuss the rest.
Health and disability insurance.
Many of the same agents who sell life insurance offer health and disability policies. So the first two ...
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Monday, September 8th, 2008
1. Be sure the agent represents one or more insurers with top safety grades from independent analysts. It won’t matter how kindly your agent was if your insurer goes out of business. You’ll want to get a policy from an insurer rated no lower than A+ from A.M. Best ...
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Saturday, September 6th, 2008
It’s hard to think of anything more important than protecting yourself and the people you love. That’s why buying insurance is so important and why you need to have trustworthy insurance agents. The preceding topic told your how to shop for life, health, disability, auto, and homeowners insurance policies. There ...
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Monday, September 1st, 2008
Fortunately, managing your finances isn’t something you need to do alone. In fact, you will probably be more likely to reach your financial goals if you hire some crackerjack advisers: tax preparer, insurance agents, one or more lawyers, perhaps a stockbroker, financial planner, or even a money manager. A sharp ...
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Sunday, August 31st, 2008
You may well be thinking, Gee –I sure need a lot more insurance that I have now! Well, maybe, you do. And maybe you don’t. According to the National Insurance Consumer Organization (NICO), a nonprofit group, fully 10% of the $180 billion or so that Americans spend ...
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Thursday, August 28th, 2008
Follow these suggestions to help save money on your life insurance premiums:
1. Get healthier. Quitting smoking can cut your life premium in half; losing excess weight can save almost as much.
2. Call a price comparison-shopping service or use one on-line. Several companies exist that will report the lowest rate available ...
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Tuesday, August 26th, 2008
There are many different types of cash-value policies. Among the most common are whole life, universal life, and variable life policies. Here’s how they differ:
• A whole life policy, the traditional form of cash-value insurance, invests mostly in bonds and earns a fixed, modest rate of return.
• Universal life policies ...
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Friday, August 22nd, 2008
This worksheet can help you estimate the size of the minimum death benefit you need.
Add up the following:
1. Your family’s annual living expenses for the number of years you want coverage (remember that these will rise with inflation)
2. Any extras that are important to you, such as the inflation-adjusted cost ...
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Thursday, August 21st, 2008
Amazing but true: buying life insurance is one of the most important moves you can make to solidify your personal finances, yet it is also one of the most complicated. It’s extremely difficult to compare life insurance policies. On top of that, life insurance has its own jargon that is ...
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Wednesday, August 20th, 2008
If you own a car or a home, of course, your homeowners and auto policies provide some liability coverage –typically $100,000 to $300,000 for your homeowners policy and about $50,000 for your auto policy. (Renters insurance policies provide some liability coverage, too.) But if you can afford it, you ought ...
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