There are so many life insurance options out there that one can spend a lot of time on just choosing what type of life insurance they need. But before you even start thinking about your options, decide whether you need life insurance at all. It’s the most important decision concerning this type...
Being a human being and living in the 21 century leaves us very little opportunity to have no choice. There is always something we can do about everything and anything at all can be done with only 1% of a chance for a mistake. Nowadays we have plenty of choice and variants to choose from. And when we...
Imagine what could happen to your business if you were disabled for a few months or trying to recover after a bad accident. Most small businesses are tightly bound to their owners and if something bad happens to the person running the whole thing it can mean bad news for the enterprise. Not if you have...
The lawmakers in Colorado are debating a change in the law to correct the gender discrimination currently requiring women to pay more than men to insure their health. The facts are uncompromising. In some 90% of all private health plans, women have premium rates 60% higher than men. This is so even though...
We doubt there is a person in this world that wants to pay double for nothing. Yes, it is true that people want discount with almost anything. We are programmed to want to economize some money. When you want to cut some of your expenses off you usually make a list. This list includes everything you spend...
Term insurance: simple and affordable When it comes to comparing different types of insurance policies for covering your life term insurance policies turn out to be the most simple and inexpensive. If your insurance needs don’t require sustaining a policy for your entire life, you may find it very...
The Health Savings Account (HSA) has a colorful reputation. Depending on who you ask, it’s either the best thing ever to come on to the healthcare market, representing a sweet investment opportunity for the healthy and wealthy, or it’s an unaffordable luxury plan of no relevance to the ordinary,...
This is being written as we approach Thanksgiving and most people will be meeting up with family and friends to celebrate. As we plan for these big holidays, the main focus tends to be on planning the menu for the feast, buying the food and deciding who’s going to be responsible for laying in the...
A group representing the insurance regulators has been meeting over the last few days. There have been a number of issues on their agenda, but the most interesting has been whether to adopt a policy for every state to require its local insurance companies to offer pay-as-you-drive policies. These policies...
High risk drivers quite often might feel that they are the object of discrimination as it is very hard to find insurance coverage at an affordable price, if any coverage at all. The rates they are charged with often make them think of ways to reduce their costs while having the necessary amount of coverage,...