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.
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.
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.
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.
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.
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