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?

If you are Christmas shopping for expensive items, such as jewelry, more than likely you will need a rider on your homeowners insurance policy to cover these items. Most basic homeowner policies only cover up to $1,000 for jewelry.

Purchasing a jewelry rider is very inexpensive and will protect each individual piece of jewelry you own not only against damage but theft. If your jewelry purchase is a gift for someone not covered by your insurance, do them a favor and include a reminder note for them to insure their gift.

Probably not. And unfortunately, it can be devastating to many people who have no idea the mold is growing until it is an out of control and costly problem.

Why are insurance companies refusing to pay? One reason insurance companies will not cover mold is because it grows little by little and therefore should be taken care of as a part of the regular maintenance for a home.

If you feel this policy is unfair, you can get involved and contact your state insurance commissioner.

We all know now that bank failures can happen. So is your money still safe?

Here is a handy calculator, EDIE, from the FCIC website that "will calculate your FDIC insurance coverage for each FDIC-insured bank where you have deposit accounts. EDIE lets you know in a printable report for each bank whether your deposits are within or exceed coverage limits."

Dental insurance is now becoming just as much of a necessity as health insurance, but when determining what dental insurance plan would fit you best, it is important not to just look for cheap and affordable dental insurance. Besides cost, there are other factors you will want to consider before choosing your next dental insurance plan. For more info on shopping for dental insurance check out The Top 5 Questions to Ask Yourself When Choosing A Dental Insurance Plan.

The health insurance reform debate is in full stride and the Senate is adding amendments into the health insurance reform bill. One of these is an amendment to restrict insurance companies from requesting a co-pay for women's preventative care services which would include mammograms.

This may be somewhat in response to the negative reaction from the public on the recent announcement from a government task force recommending a raise in the age on when a women should get her first mammogram. This amendment does not restrict deductibles that may apply to the procedure and does not remove the chance that insurance companies may change their coverage for mammograms to fall in line with the new government task force recommendations, which insurance companies have admitted they do follow guidelines from sources such as the government task force mentioned above to administer their coverages.

Michigan has some of the highest car insurance rates in the country. This is why approximately 17% of Michigan drivers don't carry insurance. Some of the problem is the way that Michigan drivers are rated for insurance.

One's credit score and education level are currently factors in determining how much a Michigan driver pays for their car insurance. Recently Michigan Governor Granholm has proposed to change this and remove those rating standards that she feels has nothing to do with how well someone can drive a car. So, hold on Michigan drivers, it looks like relief is coming!

Knowing how to compare health care plans can be very useful. Many people have different careers throughout their lives and with those changes come changes in health care plans. Sometimes one company may have a few health care plan choices. If you are self employed or are looking for private health care insurance then knowing how to compare plans is even more important.

Is it time to review your insurance open enrollment health plan packet? All too often most don't take the time to really review their health plan enrollment packet so unfortunately, they don't always get the best coverage out of their open enrollment health plan packet. It is important to take time during your insurance open enrollment window to make the right choices since it will determine the type of health care you will receive for the next year.

I am sure by now you heard about what happened to Natalie Blanchard. Well, if not let me fill you in. In a nutshell, Blanchard was getting insurance benefits for depression. During that time her insurance company found her enjoying some fun times through pictures she posted on her Facebook page. End result... her insurance company cancels the benefits she was getting for depression because of the pictures she posted on her Facebook page.

So, are you thinking this is an isolated incident? Insurance companies don't really look at people's Facebook pages do they? The answer is Yes. Insurance companies have been using the internet and social networking sites as one among many tools to research insurance claims from their customers. Therefore, you may want to think for a minute who all you want to see your life and who you choose as your friend on your Facebook page.