Not every trip needs to be insured; however, if the cost, risk of illness, or potential for interruption has you feeling cautious, then trip insurance may be a wise investment. Asking yourself the following questions may help you decide:
When considering a plan, take inventory of the components of your trip. Pre-paid vacation home rentals, car rentals, and event tickets are unique items to insure, yet they can be costly if forfeited due to an unexpected circumstance. If these costs are added to the total pre-paid price of the trip, a comprehensive travel insurance plan could protect you if your trip should be canceled or interrupted.
Did you know that one third of all households would feel adverse financial impacts within one month if a primary wage earner died?
Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense. But if you have people who depend on you for financial support, then life insurance is really about protecting them in case something happens to you – your designated beneficiary would collect a financial benefit upon your death. Life insurance can be confusing, so here’s a rundown of the basics.
Summer is a time for fun, getting together with friends, and spending time outdoors. Days poolside or lounging on the beach are a favorite activity during the summer months, but before heading for the water, it’s crucial that everyone know how to swim and understand swimming safety.
If you are one of the Americans who have purchased a motorcycle in the last 10 years, you're clearly far from alone: Ownership has risen steadily in the past decade, and over 13 million people across the U.S. are now riding motorbikes. And of that total, nearly 20% of all riders are women.
No one likes to contemplate it, but accidents result in over 161,000 deaths per year in the United States. According to the Centers for Disease Control, unintentional injury is the fifth leading cause of death in the country.
The availability of home DNA-testing kits has resulted in many unanswered questions about life insurance.
One of the biggest mistakes people make in planning their health and life coverage is assuming they'll never need long-term care services, or that if they do need these services, they will pay for them with their savings.
And many people shy away from long-term care insurance because they worry about premium hikes or the fact that if they don't use the coverage, they never benefit from their premium payments. But now there is a policy that melds long-term care insurance with life insurance.
While life insurance may seem confusing and is not a topic people want to address, it is important to have life insurance and to pick the right type of policy. There are different options, and the right option for one person may not necessarily be the right option for another person. Each one has advantages and disadvantages.
As natural disasters continue to increase in number and severity, and insurers pay out record amounts of claims for damaged homes in many parts of the country, homeowner's insurance rates are on the rise.
In recent years, that's prompted some homeowners to hunt for the lowest possible premium they can find, but that can end up costing them more than they expected.
Shopping for insurance based on price alone can have a number of consequences:
Insurers are experimenting with new technology that tracks how many miles you drive, your driving patterns and other nuances in how you drive, in order to price policies and offer discounts.
As part of the process, insurers will typically require that policyholders download an app that will use the phone's GPS system and location-tracking to generate a picture of how the policyholder drives.
Many of these apps will rate your driving and good drivers can earn discounts and rewards for safe driving, based on the data collected by the app.
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While every effort has been taken in compiling this information to ensure that its contents are totally accurate, neither the publisher nor the author can accept liability for any inaccuracies or change circumstances of any information herein or for the consequences of any reliance placed upon it. This publication is distributed on the understanding that the publisher is not engaged in rendering legal, accounting, or other professional advice or services. Readers should always seek professional advice before entering into any commitments.
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