Personal liability insurance protects your assets by paying claims and damages in case you injure other people or property. It’s very different from life insurance protection. The good news is that if you have automobile, renters or homeowner’s insurance, you already have some liability coverage. Usually, the liability coverage that comes along with these policies […]
Insurance - How To Save Money
Life insurance is the bedrock foundation for a solid financial future. If people depend on you financially life insurance is the cheapest way to make sure your loved ones are provided for in case you die prematurely.
Having said, it’s important not to overpay for this protection. The life insurance industry has created some wonderful products. But they’ve also come up with a schemes that only work for the people who sell them – not for you. I want to make sure you don’t fall into any of those expensive and dangerous traps.
The following articles will help you understand the truth about life insurance and will help make sure you get the right coverage at the right price.
What Is Term Life Insurance?
When you ask, “What is term life insurance?” the answer is simple. Term life insurance is just a tool. But it’s a very specific tool and it’s important to understand how to use it correctly. Term life insurance is a tool that you rent as long as you need it. You never “own” it. I’ll […]
How to Get Cheap Business Insurance
There has never been a better time to get cheap business insurance . Insurance companies’ profits are dismal and competition is fierce. You can take advantage of that by playing a little hardball with them. Sure, insurance is a small business tax deduction, but don’t be lulled into complacency. A penny saved is a dollar […]
Cheap Term Life Insurance – What to Watch Out For
I love cheap term life insurance . But I hate it when people get ripped off, buy the wrong kind of insurance or don’t think they need term life insurance at all. Some people turn to guaranteed issue policies to get low cost coverage, but this is a terrible idea. As I’ve written about before, guaranteed […]
Before You Get an LTC Insurance Quote – Know This
When you ask for an LTC insurance quote, you should already understand how long-term care insurance works. At its most basic, this is a policy that pays you money if certain things happen to you physically. The insurance company doesn’t reimburse you for medical costs like health insurance. It simply pays you a predetermined amount […]
Flood Damage Insurance – How to Get the Right Policy
Flood damage insurance is a tricky subject. Most homeowner’s insurance policies do not cover damage from floods. And people often opt out of the coverage. That could be a big problem for you. It’s certainly not the best way to save on homeowner’s insurance. One way to solve the problem is to buy flood insurance. […]