Most states now use Partnership for Long-Term Care to encourage people to purchase long term care insurance (LTCI), which takes some of the burden off of state Medicaid budgets. LTCI Partnership policies provide coverage for middle income people while leaving them still eligible for Medicaid even if they use up all of their long term […]
Insurance is a fact of life for business. When you own a small business, choosing the best kinds of business insurance policies and then paying the premiums can seem overwhelming, especially considering all your other daily concerns. There are some steps you can take with your insurance to help keep premium costs at a minimum. […]
Have you ever considered going plug-in with your company’s automobiles? Electrical vehicles (EVs) might be a good match for your business. More and more businesses are switching to EVs for deliveries and distribution. Utility companies are using plug-in cars successfully and car rental companies offer the electric option. Benefits for Your Business Although not for […]
With an aging population, paying for long-term care continues to be a concern. But there are several reasons people hesitate to purchase long-term care insurance (LCI). Many who have the means often invest instead, and plan on using profits to cover long-term care should it become necessary. New hybrid products, however, combine long-term care insurance […]
Women may pay more for certain kinds of products and services, but not for life insurance policies. Generally, men pay more for a life insurance policy. Life Insurance for Men and Women Statistics Looking at averages, monthly premiums for women can be $20 less per month for a 10-year, $500,000 term life insurance policy at […]
Auto insurance is one of the most important kinds of insurance you can own. According to the National Highway Traffic Safety Administration, although auto accident fatalities continue to decline overall, injuries are up. In 2014, the agency cites, 32,675 people died in car accidents and 2.31 million were injured. When you purchase car insurance you’re […]
As the headlines have reflected lately, cyber security is a huge issue for businesses of all sizes. In fact, say the experts, your company will probably be hit with such a breach – and may have been already without your knowledge. Data security is a daunting task, and will probably become more complex as hackers’ […]
Nothing can sour a road trip more than your car breaking down. Many an otherwise pleasant vacation has been ruined with an unexpected car issue away from home. Do you and your family a favor and have your car checked out before you hit the road this summer. There are some things you can check […]
Turning 65 years of age doesn’t automatically mean you’re going to retire. If you plan to continue working, you need to be aware of your health insurance options. When you turn 65, you become eligible for Medicare. Unless you are also receiving Social Security benefits, you are required to enroll in the Medicare program beginning three […]
In 2015, drug costs in the United States spiked upwards. People who don’t have prescription insurance coverage were hardest hit, suddenly being asked to pay anywhere from a few dollars to upwards of $100 more for a medication. This is causing some people to forgo their medication altogether. To complicate matters, how much you pay […]
Maybe you had a hunch from watching the evening news: economic damage due to natural disasters is on the rise. According to AccuWeather, natural disasters experienced from 2000 to 2009 were three times more frequent than they were between 1980 and 1989. Money lost due to natural disasters between 2001 and 2010 was more than […]
Fundamentally, death benefits are for the living. We purchase life insurance so that, upon our death, funds will go to our beneficiaries. Whether we want to ensure that our final expenses will be covered or that our loved ones are left with a sizable amount of money to cover their own needs, life insurance is […]
When it’s time to buy a car, the heart often leads the way. After all, what you drive can affect how you feel. A sports car makes you feel youthful, daring and fun loving. A sedan? Think safe, steadfast and sensible. Go ahead and listen to your heart, but also be aware of the true […]
While businesses are hit with suits of all kinds every day, certain core business lawsuits rank as the most common. Most of these are covered by business insurance. As a business owner, you should be familiar with the possible business lawsuits you need protection for. Businesses purchase liability and worker’s compensation insurance to cover these […]
Beware the dog that takes a chunk out of your bank account. You are liable should your pet pooch bite someone, but your homeowners or renters insurance may take some sting out of the injury. How protected you are can be limited by both the state in which you live and the dog liability insurance […]
Traveling abroad can be good for the soul, but hard on your peace of mind because you never know when something could happen. You need to get somewhere but find out the busses aren’t running that day. The train schedule is unfathomable to your foreign eyes. Or, worst of all, you suddenly find yourself in […]
Guaranteed Auto Protection, or GAP, is important to have under certain circumstances. Like its abbreviated name, GAP insurance fills in financially when an auto claim payout is less than the actual value of your vehicle, should it be totaled. Always required for leases and sometimes required for loans, GAP insurance is an optional addition to […]
Want to know if you have enough car insurance coverage? It’s best not to wait until your policy gets put to the test to find out. There are some things you can assess before you buy that will help you decide how much and what kind of car insurance to get. Auto insurance policies are […]
