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Term vs Whole vs Universal Life Insurance – Which Is The Best Policy For Me?

June 27, 2021 7 Comments

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While all life insurance policies serve the same general purpose – providing funds to your family in case of your death – not all types of coverage are equally ideal for you and your family’s long-term financial future.

Life Insurance

Like the IRS, life insurance companies can make it difficult to understand all the fine print, terms, and conditions. Sales representatives, agents, brokers, and financial planners can also make things worse by marketing certain policies because of the huge commissions they earn after each sale.

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Investing as a Form of Insurance

October 24, 2020 Leave a Comment

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The two most popular tips that are given to people who are trying to be more fiscally responsible are to buy a life insurance policy and to have various streams of income. Though these are great tips that I actually recommend, there are other assurances that can be put into place so one can be fiscally responsible.

Investing as a Form of Insurance

If you’ve done a comparison of life insurance policies, including term life vs. accidental death, you may have found that depending on whether or not your life insurance provider includes a stipulation in your life insurance policy, your family may not be able to receive a full pay-out based on how you died.  

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What to Know Before You Purchase Pet Insurance

May 24, 2020 Leave a Comment

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Pet insurance is health insurance for your pets. Many pet owners don’t often think about pet insurance coverage in hopes that their pet lives a long healthy life.

What to Know Before You Purchase Pet Insurance

This is the goal for all pet owners and families, but unfortunately, that isn’t always the case. Sometimes unexpected emergencies, illnesses, or injuries occur that can leave owners in a financial bind.

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10 Household Items that Need Insurance

October 30, 2019 2 Comments

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The thing about home insurance is that not all your household items are covered. Depending on the coverage you’re getting, you can get only a few important appliances covered or have everything insured. The more comprehensive your plan is, the more expensive it will be.

10 Interesting Household Items that Need Insurance

I understand it can be confusing as a homeowner. We are not always the best judge of our household items performance so we don’t know exactly what to protect. 

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Why To Get Camera Insurance

September 23, 2019 Leave a Comment

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This post is for readers, who love photography. Do you have a costly camera? If you do then we will tell you why to get camera insurance. When you have credit cards from Chase or American Express, then cameras purchased with those cards automatically come under price protection, theft protection, and accidental loss or stolen goods coverage. But if you didn’t buy your camera with those credit cards, then you should get insurance.

Why To Get Camera Insurance

Photography is a wonderful art- there is no question about it. It’s also one of the best ways to earn money online. However, high-end DLSR cameras are quite expensive. So, it’s only smart to take measures to protect it from physical damage. Comprehensive camera insurance can be a good solution for that.

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All About Theft Coverage

February 14, 2019 2 Comments

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Everyone has been there; out and about, you put your hand into your pocket or bag to find your phone and your heart skips a beat as you realize you can’t find it.

all about theft coverage

Most of the time it would’ve just buried itself deep away from you, but there is always the slim chance that it will have been stolen. What do you do in this scenario? Let’s take a look at some of the ways you can help yourself.

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Why do We Need Health Insurance

August 19, 2018 11 Comments

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As I stated earlier, Insurance is defense, whereas investing is offense, in the game of life. Fundamentally, we buy health insurance in the same way as we purchase a car or home insurance. We buy health insurance mainly because it is meant to secure ourselves from financial woes in case we get sick or experience some unexpected accidents in the future.

Health Insurance

However, this is a very narrow perspective of getting health insurance; if you would think deeper, by getting this type of insurance, you’re able to properly handle the persistent physical condition and you stay vigorous which only means to say that you’re able to prevent this certain condition from getting worse.

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Should You Get Comprehensive Car Insurance?

August 7, 2018 3 Comments

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Comprehensive car insurance is the best type of insurance for your vehicle. This type of policy will cover all kinds of damage. This means that the company will grant coverage for damage caused by the driver, as well as coverage for third-party liability.

Get the Best Comprehensive Car Insurance

We came to the USA in 2005 and within 1 month from getting our first car, we were hit by hurricane Wilma. The windshield got shattered. Thankfully I had the comprehensive coverage. An ‘Act of God’ was covered under this type of insurance coverage. Since then I am carrying this clause although I never had to use it again.

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How To Maximize Auto Insurance Savings

May 7, 2018 2 Comments

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Auto insurance can be really confusing and complicated.  There are a lot of things that you need to take into consideration prior to purchasing car insurance, and then you have to figure out which company to go with. So, how to maximize auto insurance savings?

How To Maximize Auto Insurance Savings

With seemingly endless options out there, choosing the right coverage and right company for your car insurance can be overwhelming at the very least. Thankfully, there are a lot of ways you can save on auto insurance. There are plenty of tips on how to get the lowest rates on your car insurance.

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How to Lower Auto Insurance Premium

January 27, 2018 3 Comments

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Have you ever been victimized by highly priced auto insurance? In actuality, there are a great number of car owners who feel imprisoned and distressed by their auto insurance policy. Large firms promote their brand names with decorative ads and it is quite daunting if not impractical to just ignore the jazzy advertisements and find the best price available.

Behind these jazzy lines, hidden is truth, yes you can save on auto insurance. There are a few proven ways to reduce your premium.

If 15 minutes can’t save you 15% or more, 15 days sure can. Just be prepared.

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