Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

The desire to have home health care is on the rise. Most people feel that if they had a disability and/or needed help with personal needs at any age, they would rather have it done in their home with home health care than in a nursing facility or hospital.

Unfortunately though, many don't plan ahead and depend on Medicaid or Medicare. Unknowingly they feel that Medicaid and/or Medicare will provide their home health care needs but often find out too late they should have looked for another source for home health care, such as LTC insurance.

Being away from home during a storm can be scary, especially when you have children with you. So, where should you go?

First, seek shelter in a large, solid structure. If that is not available the next best place is your car. Just make sure you don't come in contact with any metal on the car. If you can't find a shelter or car then make sure you stay away from any trees and try to find a ditch. Keep low and make sure to protect your head, eyes and ears by placing your head between your legs.

Once the storm is over you may find that you have damage to your car or home. The following article will help you through filing your insurance claim if needed: 5 Steps to Preparing and Filing Your Homeowners Insurance Claim

The American Association of Critical Illness Insurance (AACII) believes so. According to www.investmentadvisor.com,

"The AACII was founded earlier this year at the request of several insurance companies to create awareness of the product among both producers and consumers, many of whom are stuck in their ways of buying and selling insurance coverage. "We want to break people out of their concrete mindset and make them realize it's more likely that someone will have a critical illness than a long-term disability in their lifetime," says Slome, who's also founder and executive director of the American Association of Long-Term Care Insurance. "We want people to realize that they're more likely to have a critical illness than to die before the age of 65, so critical illness insurance is a more valuable product than life insurance."

Aflac has made supplemental health insurance and critical illness insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?