If you are self-employed, you may simply assume that there is no way you would ever qualify for group health insurance rates. After all, these types of group health insurance plans are most commonly offered by large employers as a way of helping their employees secure affordable healthcare coverage. However, the fact that you work alone or with a very limited number of people does not need to exclude you from enjoying the benefits that group health insurance has to offer.
13 October 2022
A new car is both an important practical expense and a serious investment of money. Insurance protects both your finances and the vehicle you need to work and handle your daily needs. But standard auto insurance may not cover all your costs in the event the car is totaled. You may need an additional coverage known as gap insurance. Here's what you need to know about gap insurance. What Is Gap Insurance?
22 August 2022
Automotive insurance is one of the most important forms of protection against incidents with one of your most at-risk major assets, your car. Having the right coverage is critical, and that means you should review your auto insurance policy whenever circumstances change. Drivers dealing with any of these 5 scenarios should contact their insurance agent and ask for a review. Change in Miles Driven Suppose you've changed jobs, and that change significantly affects how many miles you'll drive in a given year.
12 July 2022
Rideshare services can allow individuals to make a full-time income or supplement their earnings from their careers. While this is a convenient option, there are some unique risks that will come with being a rideshare driver, and individuals will need to make sure that they have appropriate insurance coverage to mitigate these liabilities. When you are looking at your options for buying this type of insurance, there are some important mistakes that you need to avoid making.
6 June 2022
When your property is damaged and you get ready to file a claim with your insurance provider, you can hire an insurance damages expert to help you. This objective party will give you more information on things like damage present and costs of fixing it. Just make sure you hire said specialist using a couple of tips. Review Their Claim Workload Public insurance damages experts often assist multiple clients at a time and this is certainly a factor you want to review carefully.
7 February 2022
It is essential to know what you are getting when you purchase a commercial insurance policy when it comes to commercial truck insurance. The basic coverage you get will vary from what you are used to with a personal auto insurance policy. Bodily Liability Coverage To start with, you are going to need bodily liability coverage. If you get into an accident with another vehicle, your insurance will cover their medical costs.
10 January 2022
Are you interested in getting an indexed universal life insurance policy (IUL), but want to know more about it? Here are questions you likely have about this life insurance product that can also act as an investment. What Exactly Is an Indexed Universal Life Insurance Policy? An IUL policy is also known as a cash value form of life insurance, and it also provides a death benefit to family members. What it means to have a cash value policy is that the policy will increase in value as you continue to pay your premiums over the years, and you can access that money during your lifetime by taking withdrawals.
16 December 2021
The state expects every car owner to have auto insurance with set minimal protection. However, purchasing the right auto insurance requires research and analysis. The following tips can ease the process of buying auto insurance coverage. Understand Auto Insurance Components There are different components of auto insurance coverage. Thus, one has to familiarize themselves with each type of coverage and its protection. The following are the core types of auto insurance policies:
3 December 2021
If you're on Medicare for health insurance, you may benefit from a Medicare Advantage plan to cover you rather than keeping original Medicare. Many Medicare Advantage plans offer additional coverage and benefits that original Medicare doesn't offer. Part A and Part B Original Medicare includes Part A, which is hospital insurance, and Part B, which is the medical insurance portion of the plan. If you have original Medicare, you can purchase supplemental coverage, such as Medigap insurance, or use other insurance, such as Medicaid or insurance through a former employer, to help cover out-of-pocket costs that Part A and Part B don't cover.
8 November 2021
Car insurance endorsements are additional coverages that you add to your base policy. These are modifications that personalize your auto insurance coverage to fit your specific needs and fill in gaps in your base policy. Modified Car Coverage If you take your vehicle and modify it outside of normal repairs, you will likely need to purchase modified car coverage. For example, if you add an expensive stereo to your vehicle or add performance updates to it, you will want to get this coverage.
6 October 2021
