Articles Index
How Much Money Does My Agent Make from My Life Insurance Purchase?
A life insurance agent's commission depends on factors such as the company's commission plan and how much life insurance the agent is selling. But, agents do make a substantial difference in commission on different plans...
Is My Landscaping Covered Under My Homeowners Insurance Policy?
Landscaping adds value to one's home. In addition, the plants that are used in landscaping can be expensive. Insurance companies realize if one's landscaping was destroyed it could be a huge financial loss and therefore do include some coverage for one's landscaping under their homeowners insurance policy.
Can I Add Extra Coverages to My Homeowners Policy?
Yes you can and you should talk to your insurance agent about what extra coverages you may need in order to make sure you are fully insured. Popular add-on coverages include antique insurance coverage, home business insurance and umbrella insurance coverage.
Do I Have Insurance Coverage for a Rental Car after a Car Accident?
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.
What are Car Financial Responsibility Laws?
This is the state law that says you have to prove that you are financially able to pay for anything you may be responsible for while driving your car.
What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?
That depends on the state you live in. Most states have stringent laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines.
What is The Fair Plan?
FAQ: What is the Fair Plan?
Is anyone who drives my car covered?
Who is covered under my auto insurance policy? Who needs to be listed on my auto insurance policy?
Won't Social Security Pay if I Become Disabled?
No one should count on Social Security benefits to protect them if they acquire a disability. Social security is tough to get, the benefits are low, and you have to be so disabled that you can't work any job, not just your current job.
When Will My Disability Insurance Coverage Start?
Knowing when your disability insurance policy started and knowing whether or not you have conditional coverage is important. Every policy is different and your start date will depend on your policy.
Can I Get Disability Insurance Even if I Have Health Problems?
Just because you have current health problems or a history of health problems, does not mean you will be denied disability insurance coverage but you may be able to only obtain a policy with exclusions.
How Long Will I Have to Wait for My First Disability Payment?
Disability income insurance is designed to replace one’s income when they are no longer able to work due to a disability. If a disability should happen, knowing when you will get your first check is a must, but all policies are not equal and how long you will wait for your money is specific to your policy.
What About Suicide...Can Life Insurance Still be Collected?
Each life insurance policy is different, but most contain a suicide provision. The suicide provision states that if a life insurance recipient dies as the result of suicide...
How Does The Insurance Company Determine My Life Insurance Premium?
Life insurance premiums are largely based on two factors but other smaller factors play a significant role too. Are you "uninsurable"...find out how a life insurance company would classify you.
Which is Better for Me: Term or Cash Value Insurance?
There are many life insurance options available. Who should choose term? Which one has a lower cost? Can I build cash value with my life insurance that I can borrow against?
How Much Life Insurance Do I Need?
The answer to how much life insurance does one need can be different for everyone but there are some basic guidelines to help you figure out a life insurance amount that might be right for you.
How Much Homeowners Insurance do I Need?
The higher your coverage, the less you will have to pay....
Should I Insure My Personal Possessions?
What would it cost to replace the contents....
Do I Have to Buy Homeowners Insurance?
Yes, if you have a mortgage on your home...
What is homeowner's insurance?
Homeowner's insurance is insurance that pays for damage to your home and other structures on your property...