As you go through life, you’re likely to have many financial goals: saving for retirement, paying for your child’s education or wedding, or having enough for emergencies. And for each of these goals, you probably rely on a specific financial product to help reach it.
5 min read
How Whole Life Insurance Can Help With Multiple Financial Goals
Topics: Life Insurance & Annuities Planning in Advance Insurance
5 min read
Life Insurance in Your Retirement Planning
Once the kids move out and the house is paid off, it may seem like you don’t really have a need for life insurance anymore—after all, some of the main things you would want a death benefit for are now behind you (phew!). But as you approach retirement, life insurance—specifically permanent life insurance—can still fulfill many different roles in your financial plan.
Topics: Retirement Planning Life Insurance & Annuities Financial Planning Planning in Advance Retirement Insurance
5 min read
A Guide to Employee Benefits for Small Businesses
Each month, more than half a million aspiring entrepreneurs in the United States take the bold step of starting their own businesses. For these determined individuals, the right insurance choices can make all the difference between celebrating their business's first anniversary or experiencing a disappointing inaugural year. Whether they have a small team or a few hundred employees, whether they sell products or offer services, and whether they run their operations from a home office or a separate location, small business owners must consider insurance in a distinct manner compared to individual consumers.
Topics: Disability Insurance Group & Employee Benefits Small Business Insurance
2 min read
How Much Life Insurance Do You Need?
Whether you have a family, own property, or want to leave a legacy for your loved ones, life insurance is an essential part of any sound financial plan. Read on to learn how to determine how much coverage you need.
Topics: Life Insurance & Annuities Insurance
3 min read
Home & Auto Insurance for Military Service Members
Before you buy any insurance, make sure to ask the agent specific questions about how the company handles issues related to military deployment. Each company has its own way of doing things. Compare prices and the level of service from a few different insurance providers. By shopping around, you might find an insurer that specializes in serving service members.
Topics: Insurance
4 min read
Life Insurance for Small Business Owners
For the over 500,000 entrepreneurs in the United States who begin their own businesses every month, making informed decisions regarding insurance can determine whether their first year is a success or failure. Regardless of the number of employees, whether products or services are being sold, or whether the business is operated from a home or a separate location, small business owners must take into account insurance considerations that differ significantly from those of individual consumers.
Topics: Life Insurance & Annuities Group & Employee Benefits Small Business Insurance
4 min read
All About Health Insurance: A Guide for Consumers
Having health insurance usually means you pay a premium every month and, in return, your health plan pays part of the bill when you need a service from a doctor or another provider to keep you healthy or treat a disease. Health insurance usually covers doctors' visits, prescription drugs, medical, and surgical services.
There are several different ways to get health insurance. Some people buy coverage on their own. Many people get coverage through their job or a family member's job. Others are covered through public programs like Medicare and Medicaid. State insurance regulators provide oversight for some of these types of health insurance. Different regulatory agencies have responsibility for other types of coverage. Explore the ways to get health coverage below.
Topics: Health Care Insurance
4 min read
How to Protect Your Small Business
For the more than half a million U.S. entrepreneurs who start a business each month, making the right insurance moves can mean the difference between a first-anniversary celebration and an inaugural-year flop. Whether you have one or a few hundred employees, sell products or offer services, or command your operation from inside or outside your home, your insurance considerations as a small business owner are quite different from those of an individual consumer.
Topics: Small Business Insurance
2 min read
Auto Insurance 101: Coverage Types and Rates
Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance can be divided into two basic coverage areas: liability and property damage.
Two factors determine what you pay for auto insurance. The first factor is underwriting, where insurance companies assess the risk associated with an applicant. The second factor is rating; the rating assigns a price based on what the insurer believes it will cost to assume the financial responsibility for the applicant’s potential claim.
Topics: Insurance
3 min read
The Top 5 Myths About Flood Insurance
Flooding is the most frequent and expensive natural disaster in the United States. Yet, flood peril is not typically covered through most homeowners' and renter's insurance policies.
With more than 20 percent of the National Flood Insurance Program's (NFIP) claims coming from outside high-risk flood areas, those who live in areas with low-to-moderate flooding risk should understand their risk and consider flood insurance. The FEMA flood map service allows you to determine your flood risk.
