How to Reduce Healthcare Costs in the New Year

We have a new year coming, and that means new healthcare costs. The cost of healthcare goes up every year, but since 2010, those costs have slowed. The cost of healthcare has risen an average of 1.3 percent a year from 2010 to 2013, as compared with 1.8 percent from 2007 to 2010 and 3.9 […]

The Benefits of Paying Your Auto Insurance by Credit Card

Some auto insurance companies try to convince you to pay your premium with a credit card, and will even offer incentives for your cooperation. While I generally oppose the use of credit cards for any purpose where it isn’t absolutely necessary, there’s a strong case to be made for using them to pay your annual […]

Term Life Insurance vs. Permanent Life Insurance

Life insurance is one of the insurance products that we often overlook. We tend to think that we’re invincible, and let’s face it, preparing for your untimely death is not fun to do. However, buying life insurance is one of the most selfless acts you can do for your family. Life insurance exists to help […]

Why You’re Better Off Buying Insurance Through an Insurance Broker or Agent

Do you try to go the do-it-yourself route when it comes to buying insurance? Some people do, thinking that they can get a better deal. But whether you are buying life, health, auto, homeowners, or any other type of insurance, you’re generally better off buying through a broker or agent than going it alone. For […]

Pet Insurance 101

Pet insurance costs might be a little high for your budget right now but if you have a dog, cat, or some other beloved animal you should give some thought to what you’d do if your pet was really sick or badly injured. Would you pay thousands of dollars to your veterinarian to nurse your pet […]

Whole Life Insurance Pros and Cons

There’s an ongoing debate between whole life insurance and term life insurance. The pro-term life insurance opinions practically consider whole life to be a useless option. Is that really the case? In truth, there are both pros and cons when it comes to whole life insurance. In general, it’s true that you’re better off to […]

Short Term Disability Insurance Pros and Cons

As Americans, we are proud of our ability to work. We like knowing that can provide for our families. However, what happens when an illness or injury prevents you from going to work? What happens to your income in those cases? While your health insurance policy might cover the costs associated with treating the injury, […]

Is Travel Insurance Worth It?

Traveling the country and seeing different cultures is a great thing – but there are significant costs involved. You don’t mind to spend the money assuming your trip goes well, but what happens when something goes wrong? Travel insurance can step in during difficult circumstances while you are traveling to help make things right or […]

Why Catastrophic is Better than No Health Insurance at All

A lot of people are turned off by the very mention of catastrophic health insurance. It may be that some see it as inadequate coverage, while others see it as a mystery concept filled with unimagined traps. But is that the real truth? In most cases having catastrophic is better than having no health insurance […]

2 Big Risks Your Homeowners Insurance Probably Doesn’t Cover

Homeowners typically believe that they will be covered by their homeowners insurance no matter what the disaster is. And while it’s true that you will be protected against most disasters, there are two big risks your homeowners insurance policy doesn’t cover: floods and earthquakes. These two threats have such potential for destruction that they are […]

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