As a parent, you’ve likely considered life insurance to protect your own dependents. In that case, you would likely buy a term or whole life policy to provide a benefit to your child in the event of your death. It works out well because your child is financially provided for even if you are no … Read more
Most of us have what would be best termed as “basic knowledge” of car insurance procedures and practices. That doesn’t help much when it comes time to shop for a new policy. Before you do, you should be ready with questions that help cover the finer points of a policy. The idea isn’t to get the best policy possible, or … Read more
No doubt you’ve been hearing about all the ruckus surrounding the Affordable Care Act, aka Obamacare. As of October 1, many Americans have the option of purchasing individual health insurance for the upcoming year at healthcare.gov. By March 31, 2014, the government is expecting you to have health insurance, even if you’re not working, barely … Read more
Short-term disability insurance is one of those benefits that we think of as being on the second tier of the menu. Most people are primarily concerned with the Big Two of employee benefits – health insurance and retirement. But if you’ve never paid attention to it before, find out exactly what kind of disability insurance … Read more
Healthy eyes are essential—so is vision care. Even if your eyes appear to be doing well, your annual eye exam is key to preventive care. Diseases affecting vision, like glaucoma and macular degeneration, are much more treatable if caught early. An eye exam can also screen for other conditions where early detection is a lifesaver, … Read more
Accelerated term life insurance, sometimes referred to as term life insurance with accelerated living benefits, is a little known life insurance provision that could be a godsend at a very difficult time in life. Though we normally think of life insurance as payable only at the time of death, this is a provision that enables … Read more
Life insurance can be a valuable piece of your personal financial plan. However, many people have no clue how life insurance actually works. If that includes you, don’t worry. It’s easier to understand than you might think. In this guide, we’ll explain the most important things you need to know about life insurance. What Is … Read more
Renters insurance is high on the list of the most neglected insurance policies in existence. This is in large part because many renters assume they’re covered under their landlord’s insurance policy. However, in most cases, this is not true. And not only do you need to have your own renter’s policy in place, but you also need to … Read more
Use our simple auto loan calculator to figure out how much car you can afford. If you can’t buy a quality used car in cash, I recommend choosing a car that you can purchase with comfortable payments over no more than four years (48 months). Can you afford this payment? Use our car affordability calculator … Read more
As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state. Each state has their own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. … Read more