What Are the Odds?
The whole life insurance business is a numbers game, based on the odds of something happening or not happening.
Entries by EINSURANCE
Are Mandates Why You Can’t Find Cheap Health Insurance?
Shopping for a cheap individual health insurance plan and dismayed by the premiums? Assuming you’re in good health, don’t smoke and aren’t pushing retirement age, the reason could be mandates. Those are the benefits and services insurance companies are re
Health Insurance Savings with Smart Prescription Drug Shopping
A big advantage of having health insurance is prescription drug coverage. But plan benefits vary and even with the best health insurance you can still save big bucks by being a smart shopper. Here are some tips and hints to help.
Here Comes Spring. Got Flood Insurance?
After winter’s record-breaking snow storms, most of the Midwest and parts of the East Coast are bracing for massive melts and widespread flooding. Most standard homeowner’s insurance policies do not include flood insurance or cover damages from flood wate
Business Owner Policies Pt. 3 – Optional BOP Insurance Coverage for Small Businesses
Just like snowflakes, no two small businesses are exactly alike. That’s why, in the wide world of Business Owners’ Policies (BOPs), you’ll find lots of add-on options to supplement your standard BOP property and commercial general liability (CGL) coverage
Business Owner Policies Pt. 2 – What Your BOP May NOT Cover
After the fact is never a good time to learn that what you assumed simply isn’t so. That’s especially true when the topic is business insurance. As a small business owner, you’ve got enough on your plate keeping your company afloat in today’s tough econom
Business Owner Policies Pt. 1 — Understanding BOPs
It’s not easy being a small business owner these days. Talk about multi-tasking! You need to stay up to speed on so many fronts from health care to employment law to product liability, you need to be a veritable Renaissance man to survive. On second thoug
Protect Your Small Business with Employment Practices Liability Insurance
Technically, you’re a small business if you have no more than 50 employees. But in reality, most small businesses are a whole lot smaller than that. The last U.S. census estimated that about three quarters of America’s 25,409,525 businesses had no payroll
For Cheaper Homeowners Insurance, Make Sure Your Home Isn’t an Insurance Nightmare
Here’s a wake-up call for you folks who’ve let those minor home repairs turn into major problems: your homeowners’ insurance policy can be canceled. Because of the uptick in abandoned properties, insurance companies have become increasingly vigilant. If y
Homeowners Insurance for Unmarried Couples
Forty years ago, 70% of U.S. households were comprised of married couples and half of those households had kids under 18. Back then, insurance companies used a standard definition for “insured” when issuing a homeowners policy. It granted insured status t
SR22 Insurance Quotes
First, let’s define our terms here. SR-22 isn’t auto insurance per se. It’s a form that an auto insurance carrier might be required to file with your state department of motor vehicles showing that you do, indeed, have automobile insurance. In other word
How to Lose Your Homeowners Insurance: Dog Bite Claims
Could the family pooch be standing between you and a homeowners insurance policy? Dog lovers that we are, we’re sorry to say it’s true. A 2008 study revealed that dog bite claims are the source of more than 30% of all homeowner insurance liability claims
These Changes to Your Business Can Affect Your Life Insurance
If you’re a small business owner, there are probably a lot of people depending on your continued success – from your family to your employees, partners, investors and creditors. The best way to protect everyone’s interests, including your own, is to keep
Life Events That Effect Your Life Insurance Coverage
You might think that a life insurance policy is something you purchase and tuck away in a drawer or safe deposit box until it matures or your beneficiaries need it. That would be a very big mistake. Throughout your life, there will be many events that can
Is Car Insurance Tax Deductible?
Money is tight and likely to get tighter. One of the ways you can keep a few more pennies in your personal piggy bank is to maximize your income tax deductions. Don’t overlook the allowable insurance tax deductions. Under certain circumstances, many typ
Cut Costs With These Auto Insurance Discounts
You’ve been nickeled and dimed for years. Fight back. Make 2010 the year you squeeze every ounce of buying power out of you money, starting with what you spend on automobile insurance. In a recent survey, co-sponsored by Trusted Choice and the Independen
Common Insurance Mistakes People Make
Money too tight and time is too precious to waste either. Avoid these common insurance mistakes people make and you might save a little of both.
Auto Parts Theft and Your Auto Insurance
It’s bad enough to have your car stolen, but adding insult to injury is to have it recovered stripped to the frame…or to walk out one morning and find that your airbags, headlamps and catalytic converted have been boosted. Theft of this type is typically
