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One of my clients was diagnosed with breast cancer after he’d unexpectedly lost his job as a Food Services Director. Another client’s “wrenched knee” made walking agonizing. Driving his car to job interviews was almost impossible. He needed surgery, but he’d lost his health insurance. A ... Views: 1249
Unfortunate events like accidents and diseases can pop up in anyone’s life and at any time. The lifestyle that people lead today is the main reason for most of the health related problems. When you face major diseases or meet with an accident you might end up burning a hole in your wallet by ... Views: 1249
The effect of life insurance after the death of a breadwinner can be interesting to observe. I guess it would be best to first look at the situation without life insurance. A hypothetical example may also help.
Jim is age 42, married and has 2 children ages 14 and 16. Jim started a little late ... Views: 1249
Experts suggest that if you have a life insurance then there is no need to worry about the non-dom legislation issued in the month of October. As famously quoted by Lord Jenkins, Inheritance tax is a voluntary tax, paid by those who distrust their heirs more than they dislike the Inland ... Views: 1248
Your spouse dies and you are aware that s/he had a sizable life insurance policy. You welcome your new acquired wealth but you are not certain how to handle it. For someone accustomed to handling large sums of money there is no problem but for the average person there is a disturbing uncertainty ... Views: 1247
None of us want to think about all the things that can go wrong when we're on that much needed vacation, but the truth is, many things can. You could become ill while away, or you could even get sick right before the long awaited day has arrived and not even board that pre-paid cruise ship at ... Views: 1243
More and more people are turning to appropriate pet insurance to guard against the ever increasing cost of veterinary fees and charges. Finding insurance is not at all difficult and you do not need to pay a lot for basic cover, but dog insurance for life is the option which will provide the most ... Views: 1243
Do you constantly think about the cost of health care? Do you worry that your family might not have all the coverage they need? Do you and your family have ever-changing health care needs? Humana health care understands how confusing the health care industry is. Knowing your options is ... Views: 1242
Claim settlements can be a problem in case of life insurance policies to which there are numerous claimants. There are many cases where the claim lies as they are and the range of the duration may span up to 12 months before the final settlements are being done. In fact, the insurance ... Views: 1242
With 2011 drawing to a close, it’s an ideal time to review your insurance strategy with your Life Insurance Broker. The goal should be to ensure that your coverage is keeping pace with changes in your life and that you are aware of all your life insurance options.
People get jobs and lose ... Views: 1240
Coming from the finance and insurance business since 1992, I have seen many reasons for families to have protection. But since the most recent economic crisis, it is causing job losses in every state, and in every field. No one is immune to the risk of job loss. With that comes the loss of ... Views: 1240
When it comes to health insurance, there’s no one-size-fits-all plan that you can rely on. Of the numerous plans in the market, you will find that each is unique in some way, with its own benefits and limits. This makes purchasing health insurance a difficult task where painstaking research is ... Views: 1238
Consider mortgage protection insurance. Have you ever given it any thought? Do you think it would be useful? Do you know how it works? Are you aware of the many options you have as far as the types of mortgage protection policies available?
Perhaps the largest investment you will make in your ... Views: 1236
Renter's insurance is important as it protects a person from liability, damage or loss to personal property, and from calamities like hurricanes and floods. Home owner's insurance only covers the property and not the renter's assets or interests.
Residential insurance policies that cover ... Views: 1235
Saved up all your money? Glad that those long nights bartending, giving up all those road trips during university and working two jobs to save enough money for that brand new Honda Civic that you wanted? Walking out of the insurance company perplexed at the difficulty in getting ... Views: 1235
Smart home systems refer to a variety of different and overlapping electrical and wireless systems that will enable a smart home or a smart house to function as a combined whole unit.
Central to understanding the nature of the systems is an understanding of the basis of what a smart home is ... Views: 1235
People insure their property so they don’t have to worry about their property to be damaged by any accident. Around the world there are many natural hazards every year. Many people lose their home, their vehicles etc. And people also lose their property because of robbery. If someone has an ... Views: 1234
I recently spoke with someone who just graduated from college and had obtained a job that offered health insurance, which therefore put her in a situation where she could no longer be covered under her parents’ insurance. Since she had never shopped for insurance, she knew very little about what ... Views: 1233
Not everyone bothers to take out dog insurance cover for their pet, so I want to examine the main reasons for considering this as an option. Clearly there is an additional cost involved in putting a policy in place, and the whole point of any insurance is to weigh up the cost of the policy ... Views: 1233
Home inspector's errors and omission insurance, more succinctly referred to as E&O insurance, offers protection against professional liability claims. Coverage guards your bottom line in the event of claims against you resulting from a home inspection mistake, or even a perceived home inspection ... Views: 1233
One out of every four Americans will miss at least 90 consecutive days of work because of an injury or sickness between the ages of 35 and 65. Disability insurance can help prevent such medical disasters from becoming financial disasters.
However, disability insurance is usually obtained ... Views: 1233
Car insurance can be a confusing subject, especially if you have never held a policy before. Even experienced drivers often find themselves struggling to make sense of the fine print that comes with each auto insurance quote option. Between deductibles, co-pays, taxes and special provisions, ... Views: 1233
Ohio will have a federally run health insurance exchange by 2014. This follows the decision by the governor not to implement a state-based exchange to sell Ohio health insurance. The setting up a federal health exchange is a major change as traditionally, states have controlled the private ... Views: 1231
According to census data, the number of uninsured Kentucky residents in 2010 was 640,000 or about 14.9% of the state’s population. If you are among the uninsured, it’s time to start thinking about purchasing a health insurance Kentucky policy as the individual mandate of Patient Protection and ... Views: 1231
Purchasing a life insurance is a very important decision but if you are not familiar with the insurance world, it might seem like you are dealing with a completely new language. Couple it with the assortment of options available for you and it is the recipe for chaos. If you are drowning in the ... Views: 1230
Assisted death is not a new practice and neither is the controversy that surrounds it. While advances in modern medicine have increased the average person’s lifespan, delaying death isn’t always a positive. In fact, the ability to live longer can actually diminish the quality life for those who ... Views: 1228
Most people would probably give slightly different answer to the question of what is a home security system, let alone a smart home security system.
Any security system in a home is often thought of largely as an alarm system, possibly coupled nowadays with various types of CCTV cameras and ... Views: 1226
Health insurance must take into account the big picture. It does not only provide protective coverage in case of accident, but also covers you on a day to day basis, coming to your rescue when health issues arise. Because public insurance plans provide partial benefit, or none at all, for ... Views: 1225
The Centers for Disease Control and Prevention reports that about 20% of children aged 6-19 are overweight or obese. That’s roughly three times higher than it was thirty years ago. The negative effects on children due to this epidemic are poor health and low self-esteem. This increase also ... Views: 1225
Speak about life insurance and most families believe in taking a policy for the working member of the family only. The general assumption is if anything happens to the breadwinner, the surviving family members can at least have financial support. However with the modernity that medical research ... Views: 1224
Residential Roofing Spokane is definitely not the most convenient task when shopping for a contractor to complete the services of a new roof. In fact, it can be darn right hard to find contractors that meet your approval and are licensed and fully insured.
Residential roofing contractors are ... Views: 1224
It can be a little difficult, especially at first, to sort out all of the whole life insurance policy options. While a life insurance agent can help with the details, the fact of the matter is that it can be useful to go in armed with a little bit of knowledge to begin with.
Once you’ve decided ... Views: 1224
When it comes to getting assistance from an insurance broker, it is always seen that these are people who work for a particular insurance company and help you with options coming in from a particular source. The reason why we take help from an insurance broker is to understand the right ... Views: 1222
In almost all areas of the world central banks have pumped billions of dollars into the economy. The vast fall in credit market liquidity and the resulting economic downturn forced central banks to abandon monetary policy techniques that appeared to work so well over the previous ten years. In ... Views: 1221
Don’t depend on a cyber insurance policy to cover your losses after a ransomware attack.
Hackers have discovered that there’s fast, easy money in holding enterprise systems hostage, especially in industries that process and store highly sensitive data, such as education and healthcare. The ... Views: 1221
With the nation's attention focused on the current healthcare debate, many U.S. citizens are growing increasingly concerned over the promise of an increase in healthcare bills over the coming year and decades. Medicare participants, especially, stand to see a significant increase in the cost of ... Views: 1220
Sometimes, insurance policies may be terribly confusing; perhaps as a result of they are available in numerous varieties. The various varieties confirm the sum of money and within the case of traveling abroad; you would like to secure injury medical insurance.
This type of injury insurance ... Views: 1220
or every grain of sand on the beach and every star in the sky, there is a different theory on life after death. No one really knows what happens. And it is that inability to find some tangible proof of the afterlife (if there is one) that is often replaced by a profound desire to control what ... Views: 1219
Life insurance is not only for people in perfect health. Those who suffer from multiple sclerosis (MS) are also eligible for life insurance, including guaranteed issue (GI) and simplified issue (SI) life insurance policies. Although you may have been diagnosed with MS, you and your family still ... Views: 1218
The latest news from Statistics Canada is not promising: household debt is now positioned at an all-time high of 164.6 percent. What this indicates is that Canadians can no longer think of themselves being frugal with expenses because these figures indicate the exact opposite. As most experts at ... Views: 1216
New York State Cyber Security Law Heavy on GRC and Proactive Cyber Security
The first phase of the New York state cyber security regulations, which apply to insurance companies, banks, and other financial institutions operating within the state, went into effect at the beginning of March. ... Views: 1216
Many business owners poo-poo whole life insurance because they say it’s too expensive. Instead, they say buy term insurance (which is cheaper) and invest the rest. But the thing is, most people don’t end up investing the rest. So the money ends up going to other things.
But for some business ... Views: 1216