The Benefits of Having Health Insurance for Your Children

Health Insurance for Children

Having a separate health insurance policy for your children is the best way to ensure they will always have the amount of coverage they need. Many policies purchased through employers are sufficient but may fall short if your child has a chronic health condition or other issues that require more in-depth care. It's important to have a policy that protects all of their needs. Chronic Health Conditions Chronic health conditions like cystic fibrosis, allergies, asthma, and diabetes require Read More

Why Does a Universal Life Insurance Policy Expire?

Your term life policy is expiring

In the 1980s and 1990s, insurance companies came up with a hybrid life insurance policy called a Universal Policy. These policies offered the benefits of both term and whole life policies with one primary difference. They were not guaranteed to payout. When these policies were written, the instructions on how they worked were extremely vague. Now, many of the policies are starting to expire, and people wonder why. How Universal Life Insurance Policies Work Universal insurance policies were Read More

Ways to Keep Your Home Warm Without Big Energy Bills This Winter

winter home concept

With outside temperatures dropping quickly as we enter the cool months of the year, you may be wondering how to keep your property warm. While the easy solution is to turn on the heading full blast and stay inside where it’s cozy, we may be questioning our actions when the bills come through the next month. To help you stay warm this winter without draining your wallet, here are some tips to follow. Draught-proof all windows and exterior doors. Draught-proofing is crucial if you want to Read More

What New Parents Must Know About Life Insurance

life insurance for parents

Many people look at life insurance as a luxury they can't afford. New parents are always looking for ways to provide their children with the things they will need to live comfortably, even if they aren't around. The best way to do that is to purchase a life insurance policy that will protect their financial future. The right type of life insurance will do more than just provide your children with basic needs. Take Care of Your Children's Needs If something were to happen to you, the death Read More

Night Driving Safety Tips That Could Save Your Life

night driving safety tips

The number of deaths that occur in accidents after dark is three times higher than any other time of day. If you have to drive at night, let a loved one or friend know where you are going and the routes you will be taking. The following tips could actually help save your life. Check Your Headlights Always check your headlights to ensure they are in good working order. Clean or wipe them off regularly to make sure you are getting full advantage of them. When possible, drive with your high Read More

Protect Your Home with This Winterization Checklist

Home Winterization

Extreme weather conditions related to winter have the potential to cause significant property damage. According to the Insurance Information Institute, winter storms contribute 7.4% of all catastrophic damage to homes. This 7.4% doesn't even account for other forms of winter-related attrition. To avoid home damage and other related dangers such as health problems, you should ensure proper home winterization. Winterization may be less than effective if all the vulnerable areas of the house Read More

3 Things to Expect When Filing a Car Insurance Claim

Car insurance claim

Vehicles are a critical part of America's transport system. According to Statista, there are almost 280 million registered motor vehicles in the country. The high number of vehicles is bound to result in a higher number of vehicle-related mishaps. In 2018, 12 million vehicles were involved in accidents, as reported by Statista. Further, data from the FBI shows that car thieves stole 718,240 vehicle reports in the same year. Based on these statistics, there is a good chance you will find yourself Read More

3 Reasons You Need Life Insurance While You’re Young, Single, and Child-Free

young friends

When you’re young and don’t have the responsibilities of a family, it’s easy to overlook the importance of life insurance coverage. You might wonder if you need a policy and then push it off until several years down the line when you have more financial responsibilities. The reality is that most people can benefit from coverage, whether or not they’re married, have kids or a house. Take a look at just a few reasons why you need life insurance while you’re young, single, and Read More

Homeowners Insurance Myths You Should Know

a myths folder

Buying a house is an exciting nerve-wracking, and momentous time in many people’s lives. While you are about to move into your new home, one of the most important things you can do is to secure a home insurance policy to ensure you’re protected in the event of a fire, theft, or some other disaster. Unfortunately, there’s a lot of ‘fake news’ about home insurance out there, and it can be easy to believe rumors about its coverage. That’s why we’re going to bust the top home insurance myths that Read More

What Should I Look For When Buying Auto Insurance?

person searching online

So you’ve decided to buy a new car, and are still working out what you want and what you can afford. While this is an exciting time, it can also be daunting and difficult. Once you’ve decided on a new vehicle and are ready to purchase it, you will also need to allow time to look for and secure auto insurance. It is mandatory to have coverage when you get a new vehicle, and it’s well worth hunting for the right policy now rather than rushing through it on the dealer’s car lot. But before you Read More