In general, there are two types of insurance agents - independent agents who write for more than one company and contract agents who represent a single company.
Take inventory of your possessions so that you have a record of your belongings in the event of a fire or theft. Your inventory will change in value and content over time. Update it regularly, or...
Even if you're not in the best of health, life insurance coverage at a reasonable cost is possible.
The premature death of a wife and mother can have a severe financial impact on a family.
Transferring the financial risk of your husband's premature death to an insurance company is an important part of your family's financial plan.
If a couple's estate is in the millions, more of that estate may go to the Federal Government in taxes than to heirs. Leverage tax payments with life insurance.
What would happen if you were unable to earn an income as a result of an accident or prolonged illness? Consider disability income insurance.
Transferring the risk of nursing home or residential care costs to an insurance company may be one of the most important financial decisions you make.
If your insurance policy has a cash value, you may be able to borrow against it for quick cash at very low interest. You must be the policy's "owner" to borrow.
If a loved one has a terminal illness, you might want to help him or her explore the possibility of getting an advance on life insurance to pay for medical costs.
Private mortgage insurance, or PMI, is an additional monthly fee required by most lenders when your down payment on a home is less than 20 percent. Here are some ways to get rid of PMI on your...
A home warranty provides new owners with protection against maintenance problems within the first year. Here are some things to consider before you decide whether you should purchase a home warranty.
Whole life insurance policy dividends can be used in a number of ways, but be sure you know the tax consequences of each by consulting with a qualified tax adviser before you act.
Virtually all individually owned term (temporary) life insurance policies allow you to convert some or all of the coverage to a permanent plan. Keep in mind that premium payments for permanent...
Here's how to make sure your medical expenses are covered while you are waiting for permanent health coverage to become effective.
If you don't mind the market risks, consider a variable universal life insurance policy (VUL) that lets you invest your cash values in mutual funds.
Single-premium life insurance provides an income-tax-free death benefit to your beneficiary, charity, or favorite cause, and is easier to qualify for - medically speaking - than other types of...
Just because your health insurance provider has denied a claim doesn't necessarily mean that it won't pay some or all of it. Here are the steps to responding effectively to claim denials that you...
Your need for life insurance may decrease over time, allowing you to reduce or eliminate insurance premiums and benefit from accrued cash values.
The death benefit of a life insurance policy provides an income-tax-free lump sum to your spouse or heirs at the time of your death to help pay for final costs.
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Whether you’re shopping for car or homeowner’s insurance or weighing the benefits of purchasing a pet or boat insurance policy, eHow offers practical information on insurance plans, coverage and rates. Access eHow’s step-by-step instructions on filing for disability, determining the type of life insurance that’s right for you or updating beneficiaries on a policy. Confused by health insurance options? eHow makes understanding and choosing health insurance easy with advice about HMO and PPO plans, managed care options and knowing your COBRA rights.
