Disability Insurance - Protecting Your Income If You’re Unable to Work

What would happen to a surgeon that lost his hand in a home project accident? What would happen to a construction worker who lost the use of his or her legs? What would happen to a single mother who became ill for an extended period of time and couldn’t work as much as she needed […]

Health Insurance Plans Offered by Employers - Network Based Managed Care Programs

Thanks to a reader named Matt, a health actuary, who shared his feedback on the health insurance for a new job post and takes a look at the network-based managed care programs.
PPO: What you described here is actually more like a traditional indemnity plan (which are rare these days). A Preferred Provider Organization actually does have […]

Health Insurance: Planning For Coverage During a Career Change or Job Search

Health insurance is the single most important benefit that you must take care of during a job search or career change.
Risk of Being Uninsured
I have a friend who underwent major surgery about two years ago, and it was during a time that he was transitioning from one job to another. He didn’t elect […]

Do Married Couples Need to Buy Life Insurance?

Death. No one wants to think about, especially a newly married couple. However, thinking about the worse case scenario is an essential trait for maintaining a sound financial plan. There’s no scenario worse than the death of you or your spouse, and that is why you need to prepare for it.
When Should […]

Student Health Insurance - Finding the Best Health Insurance Rates for College Students

Comparing student health insurance rates is not top of the list for most college students when preparing to leave for school. Seeing as how nearly one third of all college age Americans are uninsured, it’s obvious that it can be hard for students to pay for books/tuition plus come up with some money for […]

College Student Car Insurance - Tips on Getting the Best Rates for Students

Being young comes at a premium price when it comes to auto insurance. Insurance companies view young people under 25 as a high risk for making claims. It’s not that they hate you. They have factual statistics to back it up. Teenage and college aged individuals are the most likely age […]

Keep Your Health Insurance Coverage Current During Life Events

Summer is a season of graduations and weddings.  Life events like these often have an impact on the health insurance coverage of those involved. When a new person joins your family or a child is no longer deemed a dependent it can affect their eligibility under your health plan
Insurance DeadlinesOften times your plan will allow for […]

Plan Ahead to Maintain Your Health and Avoid Medical Debt

Did you know that medical debt is a leading cause of bankruptcy in the US?  What’s scary is that just having insurance doesn’t protect you from huge medical bills.  Many people enter the hospital with insurance but still end up owing large amounts of money.
Unlike consumer debt which accumulates over time, large medical bills can […]

Health Insurance for New College Graduates - Shopping Around for Affordable Coverage

Buying health insurance is probably the last thing a new college graduate wants to research as they deal with the multitude of changes that accompany their sudden leap into the real world.
Unfortunately, your change in status from student to regular person will also mean changes in your health insurance coverage. For the last several years […]

Home Owners Insurance Can Offer Comfort During Tornados & Floods

Home owners insurance and flood insurance are a burden 99% of the time and a blessing the other 1%. Needless to say, I have a love/hate relationship with insurance.  The majority of the time I’m not real pleased with it, watching the premiums come out of our paycheck every month.  However, it’s those moments when […]

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