The specter of having a severe illness or injury that requires long-term care is a scary proposition for most anybody, not to mention the financial obligations you would face.
But trying to time when the best age is to purchase a policy is not an easy decision. Obviously, you don't want to buy the policy too early and unnecessarily spend thousands of dollars on premium over your life for coverage you may not need until you are much older.
Fires are the most common claim for homeowners, and they can start in a variety of ways.
The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks.
Unpredictable job and investment markets make it difficult to determine how much life insurance to buy. The standard formulas for buying coverage to match a specific percentage of income are often inadequate and fail to take individual circumstances into account.
The New Year is a great time to prioritize home safety and review your insurance coverage to make sure you are appropriately covered. We’ve assembled some tips to make it easier and maybe even save you some money.
One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home.
In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy.
Winter weather is tough on nearly everything, including your roof. Harsh winds, the stress of freeze-thaw cycles, and the weight of the snow can affect a roof’s structural integrity. The damage can range from a leak to a roof collapse.
Snow has arrived for many parts of the country, and that means it's time to brush up on tips for safe winter driving, especially in snow.
The roads can get slick and visibility can dwindle, so always take it easy, drive calmly and stay safe. Whether you've driven in snow often, a short while, or never, it's always a good idea to brush up on the basics to help you stay safe during this time of year.
A record $10.3 billion in claims was paid last year by the nation's long-term care insurance companies, according to the American Association for Long-Term Care Insurance study. This figure represents the highest amount of such benefit payments to Americans for a one-year period ever, and they were paid to more than 300,000 individuals.
Many people think life insurance is only for the young. That life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed.
But what does that mean for seniors? Does that mean retirees do not need life insurance? The answer to that question depends on your family's needs as well as your financial picture upon retirement.
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don't forget to review your insurance to make sure your coverage reflects the change in your growing family. Below are a few pointers.
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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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