Personal Insurance

Term life insurance and long-term care insurance are two different types of insurance. Term life insurance pays when the insured dies. Long-term care insurance pays as the insured recovers.

Most insurance policies cover the basics, but supplemental insurance is often required to cover the financial obligations that we don't expect. By presenting the client with multiple scenarios...

In 2008, the average cost of a room in a skilled nursing facility in the United States was $212 per day or $77,380 per year, according to the MetLife Mature Market Institute. Long-term care...

Business or personal special events often require significant planning and a considerable amount of money. Event insurance helps protect the investment that you make during the planning process.

You are planning an event. You are booking the venue, tasting what your caterer can prepare, and hiring an entertainer. But have you purchased insurance for your event? Event insurance has...

If you own a house, rent an apartment or have a car or a motorcycle, you probably have insurance. When you're shopping for insurance, agents and brokers will offer several proposals for you to...

Funerals can become very expensive, and for those without resources, it may be difficult or impossible to provide a decent burial. In general, the reality of this situation is anticipated and most...

American Association of Retired Persons (AARP) is an organization that serves members age 50 and older. It offers numerous types of insurance, including health, automobile, homeowners, and life...

Looking for a great insurance company can be like nailing jell-o to a wall -- impossible. I'm not saying you can't find a loyal company to put your faith in, because they are out there. You just...

Home insurance insures private homes and usually includes losses to one's home, loss of use, destruction of contents and liability protection against any accidents occurring within the home.

With everything that has recently happened in the housing market collapse, many people are concerned about their mortgages. Recently, many insurance companies have started to offer mortgage...

In the not so far past, buying insurance was a time-consuming event that required you to find an insurance carrier or its agent and travel to their location to fill out necessary forms. Today,...

Judy Feldman Anderson and Robert Brown of the Society of Actuaries define insurance as an agreement in which the insurer (insurance company), for a premium (pre-determined payment), pays the...

Third-party insurance, also known as liability insurance, is insurance that a policy takes out to cover potential injuries or harm to an innocent third party. Here is a quick overview.

Aside from the common types of insurance policies that most people buy at some point, a number of other policies are becoming increasingly popular. In today's insurance marketplace, you can insure...

Are you a Farmers Insurance customer? Are you very confused about your bill? Well you are not alone. Most of the problems I have in my agency are in relation to the billing. My life as a Farmers...

Choosing an insurance agent should be taken as seriously as choosing a good doctor or a financial planner. Why you might ask? Because your life is in their hands.

Personal liability insurance is used to pay excess liability expenses not covered by other insurance policies, such as auto and homeowners. It represents additional insurance. All major insurance...

Often called "umbrella insurance" coverage, excess liability insurance coverage may be something that you should contemplate acquiring.

Finding the contact information for an old insurance company can be a real challenge. Companies change their names, move, merge, or simply go out of business. If the change occurred long ago, you...

As a salesman, it is essential to help your clients understand the intricacies of insurance and the many financial pitfalls involved with Medicare. By giving them real-life scenarios and...

2009 has been a tough year, with many redundancies. How can you protect yourself?

The Ford Motor Company is an automaker based in Detroit. The company develops, builds and markets several lines and brands of automobiles and trucks. It also offers various programs and financing...

Not realizing that old insurance policies may be valuable in the future, people and businesses often destroy or misplace these important documents. Individuals must often track down lost or...

While finding new insurance can be a tedious experience, explaining to your current agent that you have found new coverage can be difficult. Oftentimes agents will question your reasons for...

Medical malpractice insurance costs are rising yearly. Because of this, many doctors in various specialties are keenly aware of the laws and regulations that govern malpractice insurance, which...

Selling animal insurance is similar to selling other types of insurance provided by a property and casualty agent. Pets are living longer than ever, and as they age they may develop diseases and...

It is easy for someone to say that the best way to find the lowest price on insurance is to shop around. The trick is figuring out the best way to do this. You need a comprehensive strategy for...

Claims can occur as the result of an accident or peril, such as a storm that causes damage, which is covered by one or more or your insurance policies. The most common types of insurance policies...

Insurance is a mechanism whereby an individual or business can receive protection against the loss of life or property by making a payment to a company that provides the protection or insurance.

You can buy many types of insurance to protect you and your family. The monthly premiums that you pay the insurance company will guarantee you benefits in the event of a loss. Policies generally...

Many of us do not know how to navigate the complicated world of insurance. Most of us get it because we are required to and it's a good thing to have. But do you really know you're getting the...

Insurance comes in many types and can cover homes, automobiles and lives. With so many insurance products available, teaching about insurance should be done in phases. Instructors need to develop...

Insurance loss can affect an individual policyholder and the insurance company that issued the policy. Insurance companies issue policies to protect against many types of loss that can occur, such...

Parents or grandparents may have purchased an insurance policy many years ago that has since been forgotten. Or you may be aware that a policy was purchased at one time, but cannot find any policy...

With the economy getting weaker everyday, more and more people are applying for food stamps. The food stamps assistance program is now known as the SNAPS assistance program. Me and my family...

Insurance policies are designed to protect you from significant financial loss in the event of an accident, illness or death. Insurance can cover cars, homes, lives, health and businesses. You pay...

Individuals who go to a doctor or dentist will typically need to provide insurance information for the office to properly bill for their services. If insurance information is not available, the...

It is important to pick a financially sound long term care insurance company when shopping for this important protection

You have insurance to protect you in the event of some type of loss. This could be an automobile accident, home catastrophe or disability. If you have suffered a loss, be proactive in dealing with...

This article is all about how to make a Public Liability Insurance Claim.

If you've ever been in the insurance industry, read over all the information forms you sign when you take out a policy, or heard two people talking about insurance, you may have come across the...

Excess liability is insurance coverage that typically provides coverage beyond that of an underlying policy such as an automobile or homeowners policy. This can include medical costs or other...

Insurance policies come in different types depending on who needs a policy and what type of coverage is required. People who buy insurance typically need coverage for their automobile and their...

There are many types of insurance companies, ranging from those that specialize in automotive or home to those focusing on life or long-term medical care. Understanding the difference in types can...

Identity theft is one of the fastest growing crimes in the country. The revelation that Federal Reserve chairman Ben Bernanke and his wife were victims of identity theft should give us all pause...

Long-term care insurance, sometimes referred to as nursing home insurance, is a confusing product for most people. The misnomer, nursing home insurance, came from the original product that only...

Almost everyone needs one form of insurance or another. Insurance protects valuable things in our lives like our homes, our cars and even our loved ones in the event we aren't there to take care...

Umbrella insurance is an additional insurance product that pays on top of existing automobile and homeowners policies. This means that if an insured has $300,000 of liability coverage and has a...

What would happen if you found yourself in a situation where you were unable to care for yourself on a daily basis? How would you pay for the help needed to perform ordinary daily functions? While...