Personal Insurance: Most Popular Articles

New Car Gap Insurance
Gap insurance will insure one for the difference between what one would owe on a vehicle and what an insurance company says it's worth. This insurance is a must for someone who has or is considering purchasing a new vehicle since a new vehicle depreciates right after it is driven off the dealer's lot.

Umbrella Insurance Needs
Does everyone need umbrella insurance? Do I need umbrella insurance? What is umbrella insurance? How much umbrella insurance do I need?

After the Car Accident
Do you know what information to obtain after a car accident? Here you can find an outline of what procedures to follow after a car accident to ensure you are treated fairly.

Info Needed Umbrella Policies
Here is a quick list of information you will need and questions an agent is likely to ask when obtaining an umbrella policy.

Universal United Health Care
Universal health care gained popularity with former President Bill Clinton. Although President Clinton's proposal is looked at as a large failure, it did start the universal health care ball rolling and got many in America thinking about a united health care plan. Here find advantages and disadvantages to a single-payer national health care system in the United States.

Health Insurance Terms
When searching for a health insurance plan or after one has already signed up, the plan terms, or descriptions of provisions and coverages can be hard to understand. When one is reviewing the terms they often confusingly say, “What does that mean?”

Best Motorcycle Insurance
Now that you have found the bike for you, it's time to get it insured. But, before you call just any insurance agent you will want to learn how the insurance company decides your rate.

HIPAA Law and Regulations
What is the HIPAA Law? How does the HIPAA Law affect me? How do I make sure my healthcare provider is taking steps to comply with the HIPAA Regulations?

Renter's Insurance How Much?
Renter's insurance is not just for your property. Find out here why you need renter's insurance even if you have no property!

Home Owners Insurance Policy
Do you understand the coverages in your home owners insurance policy, or do you just hope your agent has you covered? Did you get an online insurance quote and are you paying for home owners insurance coverages you don't need? Weather you are searching for insurance online or with a local agent, here you can find out what all those home owners insurance policy coverages really mean.

What's Whole Life Insurance?
Confused about all the different types of life insurance? Check out this info on whole life insurance. Learn about what whole life insurance is and if whole life insurance is a good choice for you.

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

Car Insurance Requirements
Here is a great state-by-state chart listing the minimum car insurance bodily injury and property damage liability limits. Also find out what the limits mean along with other helpful related links.

HMO, PPO, POS
Managed Healthcare Plans are types of health insurance policies that help employers offer their employees discounted medical insurance services by negotiating reduced charges with hospitals and physicians. There are three basic types of Managed Healthcare Plans: HMO, PPO, & POS.

Ten Insurance Myths
Umbrella Insurance is only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

Affordable Health Insurance
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance? There are affordable health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured.

Cheap Car Insurance
Are you getting cheap car insurance? Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote.

Filing Your Auto Claim
Five basic steps in filing your auto insurance claim: From deciding if you should file to expecting the call from the insurance company, learn what steps you need to take to file a successful auto insurance claim.

Pet Insurance
Have you thought about pet health insurance? Find out more about pet health insurance before you go to get that pet insurance quote and find out more information on five top pet insurance companies.

Orthodontic Insurance
Does your dental insurance plan cover orthodontic care such as braces? Many people who currently have dental insurance assume that they have some coverage for orthodontic care but that is not always the case. If your children will soon need braces you will now want to start the search for a good dental insurance plan to help offset the costs of orthodontic care.

Domestic Partner Insurance
Here is a comprehensive list, by state, of insurance companies that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans for themselves and their domestic partner and include various coverages such as medical, dental, and life.

Insurance Company Report Card
An insurance company's financial strength is an important consideration when choosing a policy. By choosing a financially strong company you will have comfort knowing that the company will most likely be able to pay your claims or be able to pay your life insurance benefits.

Low Cost Term Life Insurance
Need low cost life insurance? Take a look at the budget friendly option of a term life insurance policy. Term life insurance policy premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health and a low cost term life insurance policy does exactly what you expect it to do by financially taking care of your beneficiaries if you die.

Insurance Agent Commissions
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...

Continuing COBRA
Although continuing COBRA insurance coverage through one's employer is a good option for many, it may not be the best choice for everyone. Depending on one's health status, finding private insurance to fill the gap may provide adequate coverage without the costly price tag of COBRA insurance.

Car Insurance Accident Scams
You were just in a car accident. You thought it was your fault so you file a claim. Could it really be an insurance scam? Maybe someone set you up in order to collect money from your car insurance. If you don't know then you need to learn more about insurance scam fraud protection.

Keep Your Home:Title Company
Purchasing your home is an important decision. But how does one know that the property they purchased has a clear title? Because unknown problems can be hidden in the history of a property's title, homeowners use a title insurance company to purchase title insurance.

Life Insurance Medical Exam
Now that you have decided to purchase life insurance you may be required to undergo a medical exam. The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder.

Insurance Myths
Umbrella Insurance is only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

Stop High Premiums Self-Insure
Having a nice insurance portfolio can give one a sense of peace and security that all their needs will be met if an unfortunate emergency arises. But all to often we don't have enough insurance due to the inability to purchase what we need because of the cost. If you have been looking for a way to purchase more amounts of insurance, more policies, or just cut your current insurance costs self-insuring may help.

10 Considerations Health Care
Having to choose between multiple health care plans can be a daunting task. Here are 10 key areas to consider when you need to find the best health care plan for your needs.

Condominium Insurance
Condominiums and townhouses have special insurance needs. They don’t need as much insurance as a house, but owners have more to insure than a renter. Find out here what you need to know about condominium insurance and how to avoid coverage gaps.

insurance glossary-actual cash value (ACV)
actual cash value questions insurance glossary

Temporary Insurance Binder
What is an insurance binder and why is it only temporary insurance coverage?

Plastic Surgery Costs
According to the American Society of Plastic Surgeons, approximately 6.6 million Americans had plastic surgery in 2002. That comes out to a lot of money in doctor fees, so who is paying for plastic surgery costs? Who pays for plastic surgery costs depends entirely on your insurance company.

Universal Life Insurance ?'s
Along with providing a death benefit, universal life insurance also incorporates a savings vehicle. In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account.

Insurance Commissioners
Quick list of your state insurance commissioner's website. Just click on your state to view your commissioner's page and view phone numbers easily.

Property Insurance Inventory
Whether you are an established family or just starting out, you probably have property that is covered under your insurance. Items like your automobile, furniture, and personal possessions are some of the items that are usually covered under insurance. If an unfortunate occurrence such as a fire or theft should happen, it is best you have an accurate and detailed inventory of your personal property with a property insurance inventory list.

Car Insurance in 5 Steps
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right.

Dangerous Dogs and Insurance
So what happens when insurance companies start classifying certain dog breeds as high-risk? Well, homeowners with those specific dog breeds may have a hard time qualifying for a homeowners insurance policy. Current policyholders may be paying more to own a high-risk breed or have to face the risk of possibly being dropped after a liability claim from a dog incidence.

No Tax Health Savings Account
A health savings account usually supplements one's current insurance coverage. These types of health savings accounts pay for medical expenses that your health insurance coverage typically does not pay for. Depending on the plan you choose, whether a HSA, FSA, or HRA, the money is deposited either by you or an employer before it is taxed so it's like paying for out of pocket medical costs tax-free. Often you can earn interest on your money while it is sitting there waiting for you to use it.

First Affordable Car Insurance
Getting your first car insurance policy may not be a priority but, it should be. Car insurance protects one of your first investments, your car. But car insurance can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable car insurance available to them.

More Than A Cheap Dental Plan
Dental insurance can be an effective way to prevent damage to your teeth and gums, but when determining what dental insurance plan would fit you best, there are some questions you may want to ask yourself first before purchasing your next policy.

Insurance Deductible
How much is my insurance deductible and when do I need to pay it?

Short Term Health Insurance
A large majority of states offer risk-pools to help those who may not be able to have or afford health insurance coverage because of their physical condition. It is not cheap health insurance but can be a way to obtain short term health insurance for some.

Medicaid & Medicare Insurance
Medicaid and Medicare are government and state funded insurance programs that benefit low-income and the elderly. Find out more about medicare insurance coverage and medicaid information.

Insurance Coverage Definitions
When is Comprehensive Insurance Coverage used and does my insurance deductible apply?

insurance glossary-accident
accident insurance glossary homeowners auto questions

Avoiding Mortgage Insurance
Private Mortgage Insurance, or PMI, is a type of insurance that insures the lender in case the buyer defaults on the loan. The lender, or bank, requires PMI when the buyer has a down payment less than 20% of the asking price of the home. Private mortgage insurance has good and bad points, and there are ways to avoid paying it without putting down the required 20%.

Insurance 101
Just getting your first home or auto? Moving out on your own? Need to know just the facts to get yourself covered? Insurance 101 is the place! Scroll through the most popular insurance categories and find informative articles on just the basics in insurance to get you on your way.

Finding Dental Plans
Everyone needs dental care. Unfortunately, not everyone knows there are a variety of ways to pay for a dentist and dental care. There are more choices than just traditional dental insurance and those choices can save you money on your dental care. If you need a way to pay for your dental care and dentist fees, here are 4 dental care and dental insurance options you may want to consider.

insurance glossary-claim
insurance claims definitions questions glossary

Long Term Care Insurance
If you acquire a long term illness or long term disability, do you want your relatives to pay for your care? If not, then long term care insurance may be a good choice for you.

Replacing Your Home
The main determining factor is whether your policy is a replacement cost value policy or an actual cash value policy. If you have an actual cash value policy, it will not. Actual cash value is also known as the fair market value. Fair market value is basically the amount that a a buyer would pay for your home.

Home Insurance Claim
Taking the right steps, such as calling your home insurance agent immediately and assessing and temporarily repairing damage to your home can make filing your home owners insurance claim a smoother process. Here are the 5 steps you should take when preparing and filing your home insurance claim.

Who Needs Life Insurance?
Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependant on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. Here are some guidelines to help you decide if life insurance is the right choice for you.

Credit Card Insurance
If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation.

Life Insurance 101
A life insurance policy is so important, I feel it should be a law in all fifty states that parents and anyone who has someone depending on them should be required to purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.

13 Savings Renter's Insurance
Renter's insurance is already a good deal since it is very inexpensive, but why not save more? Just because the first renter's insurance quote you get is inexpensive, don't hesitate to shop around because you may be able to get a better deal. Check out the list below to find the top ways you can save on your renter's insurance quote. When you pay less to the renter's insurance company you are getting them to work harder for you!

Flexible Indemnity Health
Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care services. Indemnity plans are considered fee-for- service health insurance plans. Indemnity health insurance plans offer more flexibility in services, but sometimes that comes with an extra cost. If you have the opportunity to choose an indemnity policy for health insurance, here are five important points to remember.

Term Life Insurance Online
Term life insurance is a great way to get a lot of life insurance for a low price. It is very straight forward too: You get a term life insurance quote online or with your local term life insurance company and then buy a certain $$ amount of insurance for a "term" of time (such as 10 or 20 years) for a specified monthly, quarterly, or yearly premium. Although term life seems simple enough, here are some term life shopping hints to help you save money and get the best term life insurance rate.

Insurance Glossary
Here you can view the personal insurance glossary created by Bobbie Sage, your Personal Insurance Guide.

What an Insurance Agent Forgot
If you have trouble reading a full article on any insurance subject, these quick tips will get you enough insurance knowledge to make you look like you know what you are talking about... and I bet you will learn a thing or two! Of course, going more in depth with your insurance knowledge is best so let this be a springboard for you to eventually dig into more insurance information!

Health Savings Account FAQ's
Using a health savings account to supplement your current health insurance coverage is a great way to save money on your health care costs. Along with saving money on your health care costs, an HSA can help you get your money working by earning you interest. And, you can save your HSA money tax-free. Check out these Top 10 HSA Frequently Asked Questions.

Home Owners Insurance 101
It is never too late to learn about home owners insurance. If you currently have it, it is important to educate yourself to make sure you have your home properly covered. If you are thinking about buying a home, getting off on the right foot with the correct home owners insurance policy can save you a lot of hassle. And besides having the right coverage, getting a good deal on your home owners insurance can actually make you smile!

Car Insurance You Don't Need
One important way to reduce your overall insurance costs is to avoid purchasing insurance policies that you do not need. So, which car insurance, life insurance, and travel insurance policies are not needed?

Home Insurance Water Damage
There is a lot of confusion about what types of water damage is covered under a home insurance policy. With so many home insurance mold claims being denied, home owners are left with a lot of questions when it comes to water damage to their home. Let's take a look at what types of water damage is covered under your home insurance policy and what to do if water damage happens to your home.

Life Insurance Policy Needs
As a parent, you know you need a life insurance policy, but how much? What is the minimum amount your survivors would need for the monetary loss of you or your spouse? It is estimated to raise a child from birth to college can cost anywhere in the neighborhood of $700,000! Here are some quick and simple ways to get an idea of how much your life insurance policy should be.

Suicide and Life Insurance
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...

liability insurance
When do I use my liability insurance coverage and is it required?

Top 10 Pet Insurance Questions
Pet insurance is gaining popularity. With it's low cost and comprehensive coverages many pet owners are opting to insure their furry companions. But when looking to purchase a pet insurance policy there are a few questions you will want to consider.

Cheap Car Insurance Quotes
Looking for cheap car insurance? Comparing car insurance quotes and car insurance rates is one of the best ways to find cheap car insurance. This worksheet is designed to help you compare online car insurance quotes and get recommended car insurance coverages.

Mold and Insurance
Homeowners in Broward County, FL, complained to their insurance commissioner that mold in their homes was making them sick and their insurance agents were refusing to pay. The mold issue has been a new and increasing problem for consumers and insurance officials to agree upon. Although doctors agree some mold can be toxic, and if the problem spreads the homes can be inhabitable, insurance companies claim it is not covered.

Car Insurance for Women
Women often feel vulnerable when purchasing a car because they sometimes think they will be taken advantage of in the car buying process. As a woman, if you feel like you can't haggle a price or just don't like to, you can at least purchase a vehicle that will give you a low car insurance rate. And, because of the characteristics of insurance friendly vehicles, they are often the less expensive cars to buy anyhow.

Home Owners Insurance Limits
Before you buy more jewelry, check out your home owners insurance policy limits. The standard home owners insurance policy will limit coverage to valuables.

Save \$\$\$ On Home Insurance
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and Utilizing EFT Payments are just a few. Use this handy list when shopping for insurance online or with a local agent.

Is Your Home Underinsured?
Keeping your home properly insured can save you a lot of grief and disappointment later if you have to file an insurance claim. A large amount of homes in America are underinsured. Here are 6 steps you can take to keep your home from being underinsured.

Personal Insurance - Articles
An index of Articles for the Personal Insurance guide site.

Insurance Quote & Credit Score
Did you pay all your bills this month? Your insurance company wants to know. Credit scoring, the term used by insurance companies to rate your credit, has been a disaster for some consumers. Find out if your credit score can change your insurance quote or insurance policy.

Insurance Jokes
Need some holiday cheer? These jokes are sure to "insure" you a laugh!

401K Plan, IRA, or Annuity
Have you maxed out your 401K plan and traditional IRA and need another tax-advantaged retirement vehicle that doesn't force you into contribution limits? Are you a doctor, lawyer, CPA, architect, or financial planner? Are you already retired and worry that you may run out of money? If you answered yes to any of these questions, then you may want to look into an variable or fixed annuity.

Actual Cash Value
What is Actual Cash Value? What does ACV mean?

Student Health Insurance
If you are still under your parent’s health insurance, but will soon attend college or move out on your own, it’s time for you to start reviewing how you will cover your student health insurance needs.

Work at Home Business Options
If you have a work at home business or telecommute, you will want to read this article. The standard home owners insurance policy only covers a minimum amount for office equipment, and your home owner's liability coverage is only for non-business activities.

personal insurance glossary-bodily injury(BI)
insurance bodily injury BI glossary auto homeowners definitions

Auto Insurance Who is Covered?
Who is covered under my auto insurance policy? Who needs to be listed on my auto insurance policy?

State Insurance Claims Problem
Do you feel your agent handled your insurance claim unfairly or possibly broke the law? You do have the right to file a complaint to your state insurance commissioner. Before you find that online insurance quote, know your rights.

Renter's Insurance: Why and How Much?
[Write one to two sentences describing this feature and enticing users to click through(2 sentences, 200-400 characters tops).]

Family & Individual Insurance
What is covered on your individual or family health insurance plan? What isn't? Find out here how to be sure what is not covered and view a list of common exclusions on individual and family health insurance plans.

Insurance Federal Tax Return
When tax preparation time comes there can be an array of questions about federal tax deductions and what to report as income on your federal tax return. This Insurance Tax Dos and Don'ts list of federal tax tips will hopefully help many with federal tax questions regarding insurance whether on a personal or business level.

How To Transfer Wealth
Wealth transfer and asset protection are important topics for many baby boomers and seniors. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not designed to create wealth so much as they are to preserve it. In contrast, life insurance products instantly create wealth and can increase the amount passed on to a recipient.

Term Life VS. Cash Value Life
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?

Life Insurance Policy Claim
After a loved one dies, contacting the life insurance company and filing the life insurance policy claim can be confusing and difficult. Find out here what simple steps to take to file a life insurance policy claim and find out who to contact if you cannot find your loved one's life insurance policy.

Life 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.

Domestic Partner Insurance
Here is a comprehensive list, by state, of insurance companies that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans for themselves and their domestic partner and include various coverages such as medical, dental, and life.

John McCain Healthcare
John McCain is not buying into the democrat's universal healthcare plan, but he has some good ideas to help families manage healthcare such as reforming the tax code to allow more people to get a tax credit for their healthcare. The worst part of his healthcare plan, is that he does not acknowledge that the 45-50 million American women, men, and children that don't have any healthcare at all is not the biggest problem.

Don't Let Them Steal Your Car
You keep your valuables under the seat, your packages in the trunk, and your doors locked at all times, but is that enough? You even try to avoid high-end extravagant SUVs and sports cars in hopes of deterring a car thief. Unfortunately, keeping your doors locked, your valuables hidden, and driving an older model car is not enough to stop a car thief from targeting your car.

Equity Indexed Annuities
These days it seems investors are looking for safety and security more than ever, especially after the major stock market correction witnessed from 1999-2002. Four years later, numerous brokerage and variable annuity accounts still have not recovered their losses from that time period. Unfortunately, many investors were counting on those funds to provide income during their retirements. Thus the introduction of the equity indexed annuity, or EIA, to the main stream marketplace.

Hybrid LTC Insurance Policy
Interested in getting long term care health insurance but worried you might not use the policy and loose your money? Check out the new hybrid long term care health insurance policies. The new Hybrid Long Term Care Insurance Policies mix a LTC policy with an annuity or life insurance to give you an extra way to use your policy.

FAQ's-auto insurance
insurance questions FAQ's what is the difference between comprehensive comp coverage and collision

Divorce and Insurance Changes
Substantial life changes such as divorce bring about the need to reassess one's finances and insurance should be an important part of that financial reassessment. Here is help to start organizing your divorce insurance reassessment.

Marriage and Your Insurance
Of course, thinking about how marriage will affect insurance is not at the top of a couple’s list when the wedding vows are taking place, but with every life stage and change, insurance needs to be a priority. The basics such as name and address changes are not the only insurance evaluations that need to be considered before and after the marriage.

What is Accident Insurance?
What is collision or accident insurance coverage and will it help me in a car accident?

Disability Benefit Worksheet
Now that you realize social security may not be enough to take care of you through a disability, it is time to determine how much of a disability benefit you would like to receive from your disability insurance. Your estimated spending, income, investments, social security disability benefits and your partner's income are all things that you need to factor in when determining what disability benefit you want from your disability insurance. Included is a sample disability benefit worksheet.

Replacement Cost
insurance glossary replacement cost

Online Insurance Quote
There are a lot of insurance companies now competing for your online insurance business. Just because there are a lot of online insurance companies, does not mean everyone is getting online insurance quotes.

Domestic Partner Insurance 101
Domestic partner insurance is when an unmarried couple in a committed relationship decide to share an insurance plan. Finding an insurance company that will accept you and your domestic partner can sometimes be a lengthy, time consuming process. Take a look at Domestic Partner Insurance 101 for information and help in finding domestic partner insurance.

Your Personal Medical Log
Keeping a medical log of things such as conversations with your physicians, different procedures and surgeries performed, and prescription drugs prescribed is a way for you to be a pro-active participant in your HMO plan or other health insurance plan you participate in. Mistakes in insurance billing happen and if you have forgotten exactly what took place in your medical care or have no personal documentations, then it may be harder for you to challenge your insurance company if needed.

Documenting Renter's Insurance
Renter's Insurance is a great way to keep your items protected but you can't get reimbursed by your renter's insurance company for things you can't remember or things that had more value than the insurance company thinks it had. The solution is documentation. Documentation is a two step process: Written and Video.

Financial Peace
There are thousands of financial tips and secrets out there to scare away anyone just trying to find the basics for a financial balance. Finding freedom from debt and having the right insurance protection will assure anyone long-term financial freedom and peace.

Online Auto Insuance Quote
You've bought everything else online, so why not car insurance? Many are now buying their car insurance online and finding that when they choose to shop from home to get an online auto insurance quote, they are getting more than just an insurance quote.

Memberships & Insurance
Are you self-employed, home based, or a writer? Are you looking for discounted group health insurance? Most people obtain health insurance coverage through their employer. This leads to a lower insurance premium because the risk is spread out among the group of members. Not employed? You may still be able to benefit from group health insurance through a membership organization even if you do not work.

Disability Income Insurance
Can you believe that according to some estimates one out of every ten persons will become permanently disabled before age 65? If you became that “one” and you could not perform your current job, what options would you have? You may want to consider disability income insurance.

Long Term Care 101 Guide
This guide will help you decide if long term care insurance is a good fit for you and it will educate you on how to choose and shop for long term care insurance. So, if you are thinking about purchasing a long term care insurance policy through your local insurance agent or would like to get an online insurance quote, this guide will steer you in the right direction to find the best long term care insurance policy for you.

Replacing Life Insurance
If you are approached by a life insurance agent and asked to consider canceling your current life insurance policy in order to purchase a replacement policy there are a few things you should know first. Learn how to understand the changes that may affect your life insurance policy and the warning signs to watch for.

Top 5 Long Term Care Insurance
When selecting a long term care insurance policy or getting a long term care insurance quote, it's important to look for a policy that not only you can afford but also meets your needs. There are many insurance policies covering long term care available today. Policies can vary widely in terms of benefits they'll offer, terms of the contract, and features. Choosing the right long term care insurance policy is not simple.

Aftermarket Parts
When a vehicle is taken to the repair shop, the damaged replacement parts used may include aftermarket parts. Aftermarket parts are not made by the original manufacturer. Depending on who one asks, the aftermarket parts used may be equal, better, or worse in quality than the original manufacturer parts.

personal insurance glossary-personal injury protection coverage
insurance personal injury protection coverage definitions questions glossary

Waiting for 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.

Replacement Value
insurance glossary replacement value

Worker's Compensation
If you have ever had a job, you have probably heard of worker's compensation insurance. Maybe you have even received worker's compensation benefits from your employer. Most employees don't even think much about the worker's compensation insurance that their employer provides but that can be a big mistake for employees.

Short-rate Cancellation
insurance glossary short-rate short rate cancellation

Save $$$ On Home Insurance
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and Utilizing EFT Payments are just a few. Use this handy list when shopping for insurance online or with a local agent.

Insurance Motor Club
When you get your auto insurance, you are usually asked if you would like to add emergency roadside service. Since the cost for emergency roadside service coverage is minimal, most people just answer "yes" to their agent when offered this coverage. But, do you know what is covered under your emergency roadside service plan?

International Travel Insurance
Having excellent medical insurance does not always guarantee travel health insurance coverage when traveling abroad. Purchasing an additional travel health insurance policy can cover possible problems that your current health insurance may not cover.

personal insurance glossary-deductible
insurance deductible definitions questions glossary

Barack Obama Health Care
Yes, there is a health care crisis and something needs to be done to change it, but for Barack Obama to claim that he can cure it all with his plan seems too good to be true. Especially since he says that he will reduce premiums for people who already have health insurance. I see that doable for some, but some people still get health insurance at no cost, or very little cost. But, I kept reading and he actually has a very comprehensive health care plan that may just be what American needs.

Computer and Laptop Coverage
You got the extended warranty and even checked with your homeowners insurance agent to make sure your new computer is covered. So, your safe now from whatever mishaps that may happen to your computer, right? Maybe not.

personal insurance glossary-premium
insurance premium definitions questions glossary auto homeowners

Life Insurance for College
Paying for your child's college education is a scary thought these days. There are so many investment choices available it can be confusing. Some families turn to endowment life insurance policies when adding security to their college savings portfolios.

Career Search and Benefits
Advancing your career can often mean regular job changes. Now, more than anytime in the past, people have more job changes and are regularly doing online career searches. With new job changes comes benefit changes. Sometimes, you may choose to advance your career and get a new job just for a bigger paycheck but you may want to slow down that career search because that new job may not pay off like you expected.

personal insurance glossary-comprehensive coverage
insurance comprehensive coverage definitions questions glossary

personal insurance glossary-collision coverage
insurance collision coverage definitions questions glossary

Insurance FAQ's
Here are some common automobile and homeowners insurance frequently asked questions. Just click on the question you are interested in to find the answer.

How to Know if Your Insurance Contract is Legal
When starting a new insurance policy there are certain characteristics that must be present for the contract to be legally enforceable. Is your contract legal? Sign-up for this 1 week mini-email course to find out.

How Much Home Insurance?
The higher your coverage, the less you will have to pay....

Oriental Rugs Home Office Ride
If you own certain expensive items, such as jewelry, Oriental rugs or home office equipment, more than likely you will need a rider on your homeowners insurance policy. A rider is like a mini-insurance policy added to your current home owners insurance policy and it will give added protection to certain items that may be excluded or have low limits on your home owners insurance policy.

Life Insurance Needs
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.

affordable life insurance
Maintain my life insurance policy? Yes! It is great that you found an affordable life insurance policy but purchasing your affordable life insurance policy is just the first step in being a responsible life insurance policy holder. If you want to get the most out of your life insurance policy and you want it to protect your loved ones like it should, there are steps you need to do in order to make sure your life insurance policy stays current and safe.

personal insurance glossary-medical payments coverage
insurance medical payments coverage definitions questions glossary

President Bush's Health Care
President Bush has addressed several problem areas in health care during his presidency and has plans to pass more legislation to “make health care more accessible and affordable.”

Filing Your Claim Form
Sometimes, when you go to the doctor or other medical provider, you may be told that you have to submit your own insurance claim form. This means that the doctor or facility does not ask the health insurance company to pay for your bill and you must do so. If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form.

Flood Insurance
Even if you don’t live in a flood zone, it is still possible you could be affected by flood damage. Floods are more common that most may think. Many mistakenly believe that if a devastating flood was to strike their area the government would step in and help. Learn about the 2 step process to protect your family and home from flood damage.

Senior Citizen's Insurance Tip
Unfortunately, senior citizens are sometimes lured into insurance marketing proposals by insurance agents who only care about making money and not what is best for their customer. There are a lot of complex choices now when it comes to buying a new insurance policy or changing a current one so doing so should not be something a senior citizen should take lightly.

Value of Disability Insurance
Disability insurance can play a crucial role in keeping you financially afloat if a disabling illness or injury strikes. But a survey by The Consumer Federation of America and The American Council of Life Insurers found that 82% of people do not have long-term disability insurance or believe their coverage to be inadequate.

What's Happening in Insurance
Here's my top pick's of the latest insurance news. News links will be added on a regular basis and previous insurance news links will remain on the same page for approximately one month, so this will be a good address to bookmark. Enjoy!

Health Insurance Plan
The doctor you choose to provide you with your health care services through your health insurance plan is important. This will be the person who can ultimately change your future health for the better or worse. Choosing your health insurance plan doctor should not be a quick decision, but a researched choice based on the doctor's credentials and performance along with how the doctor will work with your individual health insurance or family health insurance plan.

personal insurance glossary-rating factors
insurance rating factors definitions questions glossary auto homeowners

What is The Fair Plan?
FAQ: What is the Fair Plan?

Infertility and Insurance
Although many insurance companies do not specifically cover infertility treatments, that doesn’t mean every infertility treatment is excluded. Many plans may provide limited infertility insurance coverage or may be required, under state mandate, to provide some coverage.