Insurance

How to Successfully File a Car Insurance Claim

No one likes thinking about being in a car accident but with more than 140,000 million Americans on the road daily, many of them drowsy, texting or otherwise distracted, the odds are you’ll experience at least one accident during your driving career.  We’re not suggesting every time you get behind the wheel you dwell on the idea of an auto mishap but knowing ahead of time what you need to do if you’re caught in one can make all the difference when it comes time to file your car insurance claim. Steps for Filing a Car Insurance Claim Whether it’s…

Does Medicare Cover Hearing Aids? A Simple Guide for Seniors

As we get older, our hearing often starts to fade. You may notice everyone seems to mumble or your family members are always complaining about the tv volume. While this is a normal part of life, you may feel as if you’re missing out on important experiences. The simplest of activities can become tedious, and it can leave you feeling frustrated. Fortunately, thanks to advances in medical technology, you no longer have to suffer from your hearing loss. Today’s hearing aids work remarkably well, but they also come with a hefty price tag. Most Americans covered by Medicare might assume…

How to File a Home Insurance Claim: Top 6 Steps

Nobody ever wants to have to make a home insurance claim. But if you ever need to, you’ll be glad you have coverage. Whether you’re dealing with water damage from a storm, an injury on your property or even burglary, homeowners insurance is there when you need it.  According to a Consumer Reports study on home insurance claims, about 41 percent of people with claims over $30,000 encountered an issue. In fact, compared to other types of insurance, home insurance claims are the most likely to be rejected. Having an insufficient coverage level accounts for a large portion of these…

Cost Comparison – Term Life and Whole Life Insurance

When deciding whether term life insurance or a whole life policy, also known as guaranteed universal life (GUL) is the right choice for you, one of the first places to look is to do a cost comparison of life insurance policies. Cost Comparison Term life insurance provides life insurance coverage for a defined period of time – the term. It is less expensive and has no cash value. If you live to the end of your term, your family won’t receive a payout. Term life insurance is the most affordable kind of life insurance coverage but it does not build…

Should I Get Life Insurance for My Child?

Buying Life Insurance for Children Most of the time, life insurance is to replace the earning power of a family breadwinner. Life insurance allows dependents to continue living comfortably in the event of a death. In almost all cases, children are the dependents, not the depended-upon. So, what is the point of life insurance for children if it isn’t to replace money for the household?  Generally, people recommend life insurance for children for four primary reasons: As a savings account. To protect the child’s later insurability. To pay for potential funeral expenses. To provide financial stability for parents in the…

4 Tips for Buying Car Insurance

Like most things in life, a one size fits all policy doesn’t exist when buying car insurance. State minimums are a good place to start but those often don’t provide enough coverage to protect you and your family. Depending on your car’s make, year and model, a car insurance policy containing full collision coverage and all the bells and whistles may be too much. So how do you go about buying car insurance that offers the right amount of coverage at the best value? The key — talking openly with your insurance agent. Tip #1: Shop Early The best time…

Life Insurance Calculator: How Much Life Insurance Do You Need?

Do you know how much life insurance is the right amount for you? Take a few minutes walking through our Life Insurance Calculator for the answer. And even if you have life insurance today, is it enough? It may cover your family’s expenses so take time to make sure you have enough life insurance coverage. About 1 in 5 with life insurance admit they do not have enough. No matter your situation, when it comes to figuring out how much life insurance is the right amount, our Life Insurance Calculator can help you get organized around your life insurance needs and…

How to Get Dental Coverage on Medicare

If you’re wondering how to get dental coverage once you’re on Medicare, look no further. Dental coverage is important when dealing with tooth decay, gum disease, receding gums and oral cancer. These are just four of the top dental problems experienced by older adults. Regular visits to your dentist help with prevention and early detection. This can save you pain and money down the road. In fact, the American Dental Association recommends visiting the dentist once or twice a year, if not more often. Luckily for those age 65 and older, dental coverage on Medicare comes with several options to…

Car Maintenance and Repairs: Tips to Save Money on Car Insurance

One way to save money on car insurance is to keep your car in tip-top shape by focusing on car maintenance and repairs. But keeping up on those tasks, you may also be able to save money on your car insurance. Think about it. If you’re in a wreck and file a claim, there are car repairs you have to make and those you don’t. Regular car maintenance and repairs help prevent accidents, which could help lower your annual car insurance premiums, saving you money on car insurance. Car Repairs After an Accident  In many cases, you will file an…

How to Get a Free Home Insurance Quote

Whether you’re closing on the purchase of a home or trying to reduce insurance costs, getting home insurance quotes tops your to-do list. But, before you pick up the phone or go online to shop for homeowners insurance, do your homework. Having information about your house readily available saves time when speaking with an agent or filling out forms online. While no one likes to spend time researching or paying for a product they hope never to use, protecting your financial future and one of your most significant investments – your home – is priceless. Let’s review what you’ll need…

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