Is prescription drug coverage part of my medical coverage?
You'll need to look at your health insurance policy--not all medical plans are alike. A comprehensive health insurance policy contains several types of coverage. read more
View ArticleWhat is a hurricane deductible?
Homeowners insurance policies in states that are at high risk for hurricanes often contain a separate deductible for hurricane damage. read more
View ArticleCan an insurance company require me to have a medical exam before granting me...
In general, an insurance company has the right to make you submit to a medical exam when you apply for an individual life insurance policy. read more
View ArticleShould my spouse and I integrate our health insurance benefits?
When you and your spouse are making this decision, it may be useful for you to focus on three key areas: (1) the out-of-pocket cost of each plan, (2) the levels of service and coverage offered, and...
View ArticleHow can I reduce the cost of my homeowners insurance?
There are many ways you can save on the cost of your homeowners insurance premium, with some possibilities existing within the policy itself. read more
View ArticleWhat's the difference between an HMO and a PPO?
A health maintenance organization (HMO) and a preferred provider organization (PPO) are both managed care plans. read more
View ArticleWhat happens if my life insurance company files for bankruptcy?
Your insurance protection isn't dead in the water just because the company that wrote the policy is. read more
View ArticleWhat happens if my Medicare HMO goes out of business?
You have several choices: read more
View ArticleCan I deduct premiums paid for long-term care insurance (LTCI)?
It depends on several factors. read more
View ArticleWhat types of nursing care does long-term care insurance cover?
It depends on the policy. Long-term care insurance (LTCI) policies define three levels of long-term care. read more
View ArticleWhat's private mortgage insurance (PMI), and can my mortgage lender require...
Lenders generally require you to purchase PMI if you are borrowing more than 80 percent of the value of the home you are purchasing (i.e., your down payment is less than 20 percent). read more
View ArticleWill I be taxed on the growth of the cash value of my life insurance?
One of the advantages of cash value life insurance is that the cash value is allowed to grow without incurring a current tax liability. read more
View ArticleDo I need to let my homeowners insurance company know that I'm refinancing my...
Yes. Once you've received a commitment letter for your refinance, call your insurance company or agent. read more
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Insurance - Personal Basics
What is Personal Insurance? Personal insurance comes in many forms and is an insurance that is important in securing your finances, your personal assets and other circumstance. Personal insurance...
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