Personal Insurance Sitemap - Page 1 2016-09-26

Health Insurance 101 - Looking for Insurance
Looking for insurance? There are many choices, but just looking for affordable health insurance coverage can lead to gaps in your insurance coverage.

How to Get Health Insurance Without a Job
How do you get health insurance without a job or when can't get affordable individual or family health insurance from an employer? Here are ten ways.

How Much Does Pet Insurance Cost and What Are the Options?
What is the cost of pet insurance? Are there other options to get help for your dog or cat if you don't have pet health insurance? Answers to help you. Page 2.

Is Pet Insurance a Smart Idea to Cover the Vet Bills?
Is pet insurance the right choice for you? Does your home insurance cover pets? Tips on how to find options to keep your family pet safe and healthy.

Insurance Being Canceled Because You Didn't Do Repairs?
Stop your home insurance policy from being canceled. Tips for what to do when the insurance threatens to cancel you due to repairs or recommendations.

Personal Liability Insurance Guide: Why You Need Coverage
Help understanding personal liability. What's covered by liability insurance? Where to get liability insurance. Can Personal Liability save you money?

How to Get Affordable Health Insurance With No Job
Looking for places to get affordable health insurance can be tricky, we've put together a list to help you explore all your options and new programs. Page 2.

Top Ten Ways to Get Health Insurance With No Job
The statistics are startling when it comes to uninsured Americans and the numbers keeps growing. But what do you do when you don't have a job?

Homeowners Insurance Dwelling vs. Other Structures
When one purchases a homeowners insurance policy they usually don't understand fully how the dwelling coverage works until it is time to file a claim.

Loss Asssessment Insurance Explained - Condo Insurance
How Loss Assessment works for condo insurance. What you need to know to avoid high costs as a condo owner. Understand your HOA master insurance policy

Extending Your Trip? Travel Insurance Top-Ups Can Help
Top-ups on travel insurance allow you to extend coverage if you want to stay longer on your trip. The easy way to add coverage on your trip insurance.

7 Romantic Gift Ideas to Inspire You
Awesome, fun and thoughtful Valentine's gift ideas that will inspire you to find the perfect gift for your Valentine and tips to consider for insurance.

Plastic Surgery Costs - What Does Insurance Cover?
Does your health insurance cover plastic surgery? How to know what is covered for plastic surgery procedures and what is not with examples and definitions.

Understanding Home Owners Insurance Property Protection
Whether you are searching for insurance online or with a local agent, here is what all those home owners insurance policy coverages really mean.

Understanding Your Home Owners Insurance Policy
Do you understand the coverages in your home owners insurance policy? Here you can find out what all those insurance policy coverages really mean. Page 2.

Choosing Term Life Insurance for a Low Cost Policy
Finding a low cost life insurance option. Term life insurance is an affordable option to financially take care of your family if you die unexpectedly.

Fraud Protection: When a Car Accident Is a Scam
You were just in a car accident. You thought it was your fault so you file a claim. Could it be someone trying to profit from a car accident scam?

State-by-State Minimum Car Insurance Requirements
State-by-state list of minimum car insurance requirements. Understand bodily injury, property damage liability. Is minimum car insurance enough?

How Minimum State Car Insurance Coverages Apply in a Claim
How to understand what the numbers mean in state minimum car insurance coverage. Is liability or the minimum car insurance coverage enough protection. Page 2.

How to Get Cheaper Car Insurance
Are you getting cheap car insurance? Compare your car insurance policy with this list to see how to get cheaper car insurance and save big.

How to Get Cheaper Car Insurance
Are you getting cheap car insurance? Get your car insurance policy and compare your savings with this list to see how to get cheaper car insurance. Page 2.

List of State Minimum Car Insurance Requirements by State
What Do You Get With Minimum Car Insurance? List of Coverages by State. What coverages are included in basic car insurance when you take the minimum. Page 3.

Air Ambulance Services - How Much Will Insurance Pay?
Air Ambulance 101 When will insurance pay for your trip to the hospital by an air ambulance? What insurance has coverage? What are out-of-pocket costs

Domestic Partner Insurance - Impact of Same-Sex Marriage Laws
Domestic partner insurance, the modern family and access to benefits, employee benefits and changes due to legislation. Stats on same-sex and opposite-sex domestic partners. Page 2.

Places to Find Affordable Health Insurance Unemployed
Looking for places to get affordable health insurance can be tricky, we've put together a list to help you explore all your options and new programs. Page 3.

Understanding Health Savings Accounts- HSA
Who can have an HSA? A health savings account supplements one's current insurance coverage. Learn about the three types of health savings accounts.

Understanding Your Health Insurance Policy
Understanding terms in your health insurance policy: How does the deducible work, what is co-insurance, what is a waiting period, what's not covered

HIPAA and How the Privacy Rule Protects Health Data
What is the HIPAA Law? How does the Privacy Rule protect your personal health data? Which healthcare providers have to comply with HIPAA Regulations

Health Savings Account (HSA) Premiums, Taxes and More
Along with saving money on your health care costs, an HSA can help you get your money working by earning you interest and paying for premiums.

How to Get Health Insurance - Membership Organizations
Are you self-employed, home-based? Are you looking for discounted group health insurance?Learn about membership benefits health insurance.

The Basics of a Supplemental Health Insurance Plan
Aflac has made supplemental health insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?

Places to Find Affordable Health Insurance
What if you don't have a job or can't find affordable health insurance from an employer? Here are the best ways to get it at a reasonable price.

List of Where to Get 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? Page 2.

Introduction to Domestic Partner Insurance
How to get benefits for a domestic partner. Finding an insurance company that accepts domestic partners.

How to Find Good Orthodontic Dental Insurance
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.

How to Hire Insurance Repair Contractors
When it comes time to file your homeowners insurance claim, it is important to find a fair and reputable insurance repair contractor. Here's how.

Where to Purchase Gap Insurance
Most dealers

Understanding Indemnity Health Insurance Plans
Indemnity health insurance plans or fee-for-service plans allow self-directed health care with the least restictions providing high flexibility like self-referral to specialists, no mandatory primary physician and other key advantages.

Criticisms & Successes of ACA - Obama's Health Care Reform
What are the main critisicms, facts and comments about ACA, Obamacare and Obama's health insurance reform. Find out here.

How to Cut Insurance Costs by Self-Insuring
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. Learn how to self insure.

Allstate Reviews : How Thoroughly Can Allstate Service Their Customers?
Review of Allstate Product line, advantages and disadvantages for consumers. Customer ratings, claims service ratings from consumers. Financial strength ratings. Page 2.

Allstate Insurance Review and Ratings
Allstate Insurance review of insurance products, service, claims review on satisfaction and customer outreach. Is Allstate a good insurance company? Here are some facts and information to help you decide.

Life Insurance and Suicide: Will a Policy Pay Suicide?
Does life insurance cover suicide? What are the Suicide Provision, Incontestability Clause and life insurance basics to figure out when suicide is covered and when it is not, with examples.

What to Expect for Your Life Insurance Medical Exam
What is involved in a life insurance medical exam. The primary reason life insurance companies need to administer medical exams is to judge if they are insurable and how much premium to charge

How Much Commission Does a Life Insurance Agent Make?
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.

The New Hybrid Long Term Care Health Insurance Policy
Interested in getting long term care health insurance but worried you might not use the policy and lose 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.

The New Hybrid Long Term Care Health Insurance Policy
Interested in getting long term care health insurance but worried you might not use the policy and lose 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. Page 2.

How to Get Cheap Motorcycle Insurance
Now that you have found the bike for you, get insured. But, before you call just any insurance agent, find out how to get cheap motorcycle insurance.

Top Ways to Save on Homeowners Insurance
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and more.

Ways to Save While Shopping for Homeowners Insurance
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and more. Page 2.

The Truth Behind the 10 Biggest 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.

The Top Ten Insurance Myths
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't affect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know. Page 2.

5 Steps to File Your Auto Insurance Claim
How to make a claim after a car accident. 5 steps to make a car insurance claim. Learn what you need to do to file a successful auto insurance claim.

Transfer Your Wealth with Life Insurance
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.

Tax Advantages of Single Premium Life Insurance 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. Page 2.

How to Shop Around for the Best Life Insurance Quotes
Wondering how to shop for life insurance? Many don't realize how much a small increase in life insurance premium can add up. Here's how to shop smart.

Getting Gap Insurance for Your New Car
Just bought a new car? What if an accident occurred soon after taking your brand new ride off the lot? You have full coverage insurance, right? So, you're covered... or maybe not.

Definition of Health Insurance Deductible
The definition of health insurance deductible is something most people have some understanding of. Learn more about paying out of pocket.

Why Not to Choose the State Minimum Liability Insurance
Liability car insurance is one part of your car insurance policy. Do you trust your minimum car insurance liability? What you need to know about car liability

Definition of Health Insurance Waiver and How It Works
A health insurance waiver gives a person the ability to refuse a health or medical insurance plan offered to them. When to waive health insurance benefits, what is a health insurance waiver form?

Motorhome Insurance Companies and Finding the Best Motorhome Insurance
It is common for a motorhome owner to buy a motorhome and not think much at all about getting the best motorhome insurance for their unique RV. Getting the best motorhome insurance is not about getting the best price on motorhome insurance, although that can be part of it, but instead getting the best motorhome insurance is mostly about getting the best additional coverages. This can usually be done through special motorhome insurance companies

Aftermarket Parts - Should Only OEM Parts Be Used?
The use of aftermarket car parts by insurance companies to fulfill a car accident claim is common. Aftermarket car parts are readily available and in most cases cost much less than OEM parts, or replacement parts by the original manufacturer. These are large reasons why insurance companies prefer to use aftermarket parts. But are lower costs worth the risks that some say are associated with aftermarket car parts?

Free Healthcare for Illegal Immigrants
An overview of the top two insurance issues for illegal immigrants, free healthcare for illegal immigrants, and both sides of the debate.

Insurance Declaration Page - Insurance Policy Basics
An Insurance declaration page is one of the most important parts of your insurance policy.Help understanding your DEC page with examples

Who Do You Call For a Flat Tire? A Guide to Common Coverage
Who do you call when you get a flat tire? It can be an easy coverage to try and skip to save money on one's insurance premium but it might be risky.

Invisalign and Dental Insurance Coverage
Invisalign has become a popular choice instead of traditional braces. Some feel the Invisalign results are better than braces.

Worried About Travel Plans? Consider Cancel For Any Reason Insurance
Cancel your trip for any reason. Resources if you are worried about travel plans due to disease outbreaks or terrorism. What kind of insurance can help?

Why Did My Car Insurance Go Up When I Had No Claims?
Comprehensive Guide to

Weather and Water Damage: What is Covered by Home Insurance?
What can you claim on home insurance due to water damage or winter storms: Liability, fallen trees, power outage, roof damage, water in house, heavy snow, wind and hail.

3 Tips to Work With Your Home Insurance About Repairs
How to get the insurance company to give you more time to do repairs,or stop them from canceling your insurance due to incomplete repairs or recommendations

How the Insurance Company Determines Reconstruction or Dwelling Value
How does the insurance company come up with the dwelling value or insured value of your home? What is reconstruction cost based on? Why is it different than Real Estate or Tax valuations? Page 2.

Tips for Buying Your First Home Insurance Policy
Cut insurance costs when buying your first home.Tips for saving money as a first time home buyer on insurance and new home costs.

Vacancy Permit Questionnaire - Vacant Home Insurance
Home insurance takes vacant homes very seriously. When a home becomes vacant insurance changes. Here's what you need to know to get a vacancy permit. Page 2.

How is Tornado Damage Covered? Car and Home Insurance
Are tornadoes covered by insurance? What will home or car insurance pay after a tornado? Make sure you have these key coverages to get paid

What is a Vacancy Permit? When Do You Need One?
What is a vacancy permit? When do you need one, when is a home vacant? Everything you need to know about insuring vacant homes with examples and FAQ

Is Your Home Insured Properly? Insurance Value vs. Real Estate Value
A simple explanation to help understand how insurance determines the reconstruction cost or insured value of your home. Why insurance value is different than your tax evaluation or real estate value

After a Claim: The Reconstruction of Your Home
Here's a really easy way to understand the true costs to rebuild after a home insurance claim and the real dwelling value reconstruction cost on your home insurance

Coordination of Benefits With Multiple Insurance Plans
It is important to know how the coordination of benefits provision works for those who are covered under primary and secondary insurance plans.

Temporary Car Insurance: What Are the Options?
Need car insurance but only for a short period of time? Then you may want to take a look at a temporary auto insurance policy.

Hiring a Public Insurance Adjuster - When the Company Adjuster is not the Right Choice
Should a policy holder hire a Public Insurance Adjuster for their insurance claim? There are instances when an Public Insurance Adjuster would be a better choice for the policy holder but hiring a Public Insurance Adjuster is not always needed.

The Cost of Renters Insurance and Saving Money on First Home Insurance
Renters insurance can save you money. When preparing to buy a new home, a good way to lower costs on first home ownership is establishing insurance history with renters insurance. Page 2.

Pros and Cons of Buying Earthquake Insurance
Is it worth it to purchase earthquake insurance in addition to your homeowners insurance? Considering the high costs of earthquake insurance and the deductible along with the rare incidences of earthquakes, some would rather save their money and take the risk themselves.

Can I Remove Other Structures Coverage on My Insurance?
Can you delete the

Making a Water Damage Claim? What's Covered or Not
Understanding gradual damage, and water damage. Examples of what is and what is not covered and exceptions. When is a claim denied and how to get help

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Help Understanding Home Insurance Coverage Options
Helping you find the best insurance company for your home insurance with the lowest price and the best coverage. What makes one policy better than another?

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How to Find a Lost Life Insurance Policy in 5 Steps
A Billion Dollars in Unclaimed Life Insurance Benefits - Are You Entitled to Money? Is There a Life Insurance Policy You Didn't Know About? Here's How to FInd Out

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Need a Lawyer? Consider Legal Insurance With This Essential Guide
Do you need legal help? An essential guide to help you understand legal insurance options, questions to ask. Get the best legal plan at a low cost

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Help Understanding Condo and Co-op Insurance Coverage
Buying a condo or co-op? Condo insurance can be confusing. Here's what you need to know before you buy insurance to avoid major problems

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Understanding Disability Insurance Plans - What You Need to Know about Employer Disability Insurance and Disability Insurance Premiums
Need some info about disability insurance? Learn more about disability insurance and what one needs to know about disability insurance plans, employer disability insurance and disability insurance premiums.

High-Risk Dogs and Your 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.

Plastic Surgery Costs and What Insurance May Cover
What types of Plastic Surgery are covered by health insurance benefits and plans? Examples, definitions and basics to help you figure out if your plastic surgery is covered. Page 2.

Complaint To the State Insurance Commissioner
Do you feel your agent handled your insurance claim unfairly? You do have the right to file a complaint to your state insurance commissioner.

Insurance Grace Period: Definition and Examples
Learn about how an insurance grace periods work, what types of insurance companies will have them, and examples to further understand them.

Health and Medical Insurance - HMO, PPO, POS, EPO
HMO, PPO, POS Managed Healthcare Plan explained- health insurance policies that offer discounted medical services for plan members by using a network.

Should You Purchase Credit Card Insurance?
If you own a credit card you have probably been asked by the company if you want to add credit insurance. It may be beneficial or an unneeded cost.

Auto Insurance 101 - Choosing Your Car Insurance Policy thru Making a Car Insurance Claim
If you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Here's auto insurance 101.

- By Category
An index of categories in the

Insurance - When You Don't Need Car and Life Insurance
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?

Helpful Tips When Choosing Between Health Care Plans
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.

10 Key Considerations When Comparing Health Care Plans
Choosing the right healthcare plan can be a daunting task. Here are 10 key things to consider when comparing healthcare plans to find the best health care plan for your needs. Page 2.

Life Insurance Types - Whole Life Insurance Overview
Confused about all the different types of life insurance? Whole life insurance explained. What is whole life insurance? Is whole life a good choice?

Renter's Insurance Why and 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!

The FAIR Plan Explained and How to Get This Policy
An overview of the FAIR Plan Program, what it is, who qualifies, and where can one find access.

You Don't Have to Pay Private Mortgage Insurance or PMI
Private mortgage insurance has good and bad points, and there are ways to avoid paying it without putting down the required 20%.

Private Mortgage Insurance-Is it Necessary to Pay PMI when Buying a Home
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%. Page 2.

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

Car Insurance Put to the Test, Which One is the Best?
Find out who is the best car insurance company in your area according to consumers for price, service, and claims. Valuable consumer insight that may save you a lot of money.

Fair Plan Administrator Phone Numbers by State
List of State by State FAIR Plan administrators with phone numbers to obtain information on high risk insurance on your home for your area. Page 2.

Wedding Insurance and Necessary Coverages
Who needs wedding insurance and why is coverage necessary? There is a lot to planning a wedding so just like any other life event, getting one's wedding insured should be an option new couples consider.

How Do I Stop My Policy From Being Canceled for Non-Payment?
Everything you need to know about being canceled for non-payment of an insurance policy. How to avoid it, or what to do if you want to go elsewhere.

Paying a Penalty to Cancel Your Insurance Might Be Worth It
Want to cancel your insurance? How much will the penalty be? What to watch out for on payment plans. Everything you need to know to make a smart decision.

How to Get the Best Auto Insurance Quotes Online
Google Compare online car insurance quotes end in March. Why online quotes are not as straightforward as we think in the tricky business of insurance

How Worker's Compensation Works
Here's how worker's compensation works and why accepting your employer's worker's compensation insurance may not always be the best choice.

Ten 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.

10 Pet Insurance Questions
Many pet owners opt to insure their furry companions. When looking to purchase a pet insurance policy, here are 10 questions to ask to be sure the insurance company and healthcare plan are right for you and your pet. Page 2.

The Basics of Universal Life Insurance Explained
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.

Does Homeowners Insurance Cover Water Damage
Does homeowners insurance cover water damage? Here's a guide to the types of water damage your homeowners insurance policy will cover and what to do.

How Does Renter's Insurance Work
How does renter's insurance work? Get reimbursed by your renter's insurance company by documenting everything you own through lists and video.

Does Homeowners Insurance Cover Plumbing
Does homeowners insurance cover plumbing? Learn more about gradual water damage and why it's rarely covered under a homeowners insurance policy.

Help! My Insurance Company's Going to Cancel My Policy!
How to stop an insurance company from canceling your policy. Insider tips to help you keep your policy and some answers to your questions.

How to Know if You Need Life Insurance
Do you need life insurance? People at any age might want life insurance, but do they need it? Information about deciding when life insurance is necessary

Don't Change Life Insurance Policy Until You Read This
Changing or replacing your life insurance policy? What you need to know to protect yourself and make a smart decision. Use these easy checklists to help

Life Insurance Agent Warning Sings
How to make sure you're getting advice by a licensed agent if you are approached by a life insurance agent and asked to consider canceling your policy. Page 2.

Borrowing From a Life Insurance Policy
Life Insurance FAQ : Borrowing from a life insurance policy. Understanding Loan Provisions, policy terms, advantages, risks and the in-force illustration

Is State Farm a Good Insurance Company For You? A Review
Is State Farm a good insurance company for you? Here's a look at the pros and cons of one of the top insurance choices for U.S. customers.

Gap Insurance and Your Leased Car
So you have decided to lease your car or may already have a leased car. You made sure you purchased the correct car lease insurance and your leasing insurance covers everything right? Unfortunately not.

What Does Gap Car Insurance Cover?
Learn what gap car insurance covers and excludes, and why it's important to have gap car insurance coverage.

Gap Insurance Requirements and Your Rights
Are you obligated to purchase gap insurance when you finance or lease a car? Here are the details you need to know to make a smart decision

How to Determine the Extent of a Car Accident's Damages and Injuries
For safety and insurance claim purposes, it's important that you understand how to determine the extent of a car accident's damages and injuries.

Get Your Basics On Umbrella Insurance, Gap Insurance
Learn more about affordable health insurance, gap insurance, umbrella insurance and car insurance along with the other insurance policy basics.

Alternative Health Care Insurance: Medical Sharing
There is no doubt most Americans agree that health care costs are way out of line and it is next to impossible to find a lost cost alternative health insurance choice. This result has lead thousands of Americans to take a look at a different way to pay for health care premiums: Medical Sharing Networks and Societies

Diminished Value and How to Get Your Insurance to Pay
What is Diminished Value and how to get paid for a diminished value insurance claim after an accident. How to determine diminished value of your car

State Financial Responsibility Laws (Car Insurance)
State financial responsibility laws protect all drivers on the road. Answers to common questions about car insurance financial responsibility laws.

How to Set Up a Health Savings Account (HSA)
How do you set up a health savings account? If you have a high deductible health insurance plan then you are eligible for a budget friendly HSA.

Steps to Filing a Health Insurance Claim Form
What information is needed for reimbursement for healthcare expenses from your benefit plan. How to submit your own health insurance claim form

What Are Aftermarket Parts? - Car Insurance
When a vehicle is taken to the repair shop, the replacement parts used may include aftermarket parts. They are not made by the original manufacturer.

Should You Use Aftermarket Parts on Your Car?
How to know if your car's being repaired with aftermarket parts? Are generic parts legal? What to do after a car accident to find out. Page 2.

Understanding Insurance Claims - Definition
Understanding the definition of insurance claims - whether car, homeowners or life insurance claims - can ease the fears of the process.

What Is Lifetime Maximum Benefit? Definition, Examples
Definition of lifetime benefit. There is no lifetime maximum benefit for essential services. Understanding when a lifetime maximum benefit may apply

Beneficiary - Definition and Options - Life Insurance
Definition of beneficiary for insurance. Kinds of beneficiaries and examples to help you decide how to assign the beneficiary on your life insurance

Health Insurance Coinsurance - Definition and Examples
How coinsurance works in health insurance. Definition: understanding what coinsurance is will help you budget better for your health insurance costs.

Insurance Underwriting Explained
Definition of insurance underwriting and how an insurance underwriter reviews your insurance policy. What does an underwriter do? Examples of underwriting

Actual Loss - Insurance Glossary Definition
Definition: Actual Loss in insurance refers to 1. costs incurred due to a claim which are paid by an insurance company 2. your actual costs

Definition of Comprehensive Insurance Coverage
What is Comprehensive coverage? When is Comprehensive car insurance coverage used? Does my deductible apply? Are comprehensive claims responsible claims?

What is the Insurance Definition of Negligence?
Understanding negligence as it pertains to insurance and how it affects the policyholder, the insurance company decisions and what you need to do.

Dental Insurance Waiting Period - Definition
Understand the basis about the dental insurance waiting period and how this affects your access to dental insurance benefits with a dental benefits plan.

Revocable vs Irrevocable Beneficiary - Changing a Beneficiary
How to decide - Choosing a revocable or irrevocable life insurance beneficiary. Definitions and examples changing a policy without or without consent

Should You Get Mechanical Breakdown Insurance (MBI)
Mechanical Breakdown Insurance pays car repairs unrelated to accidents purchased through insurance instead of an extended warranty with a car dealer

What is an Insurance Endorsement?
Insurance companies create endorsements to offer options to add coverage or increase coverage limits, but they may also limit or restrict coverage.

Homeowners Insurance: When to Add a Rider or Scheduled Item
If you own expensive items, such as jewelry, oriental rugs or antiques and collectibles, you may need a rider on your homeowners insurance policy.

Homeowner Insurance Policy Riders or Endorsements
Do you need an insurance rider or to schedule an item on your insurance policy? Additional coverage for items of high value like jewelry or antiques. Page 2.

Filing a Police Report After a Car Accident
Filing a police report after a car accident is an important step in making sure all the details of the car accident are reported.

Distracted Driving, Teens and What You Need to Know
Distracted Driving Definition and Statistics. Teenagers and distracted driving. What to do to about teen distracted driving. Will it increase car insurance

3 Best Ways to Teach Your Teen How to Avoid Distracted Driving
How to talk to your teenager to stop distracted driving. Tips and resources to help your teenager be a safe driver and avoid distracted driving. Page 2.

Definition of Homeowner's Insurance Peril
Definition: What is an insurance peril? Insurance perils describe the risks that may cause damage. List of common perils. Understanding open perils vs. named perils insurance policies.

Understanding the Progressive Claim Process
How does an insurance claims adjuster process an insurance claim? What about a public claims adjuster? Learn more about the progressive claim process.

Top Four Ways How to Avoid a Car Accident
Want to keep your car insurance premium low? Here are the top four ways how to avoid a car accident and keep your car insurance premiums low.

Homeowners Insurance and Sudden Water Damage
Sudden water damage in one's home can be devastating. Learn about what homeowners insurance covers and does not cover so you can be prepared.

The Reverse Mortgage and Insurance
Understanding a reverse mortgage can be complicated. On fee that many are confused about is the reverse mortgage insurance. Homeowners usually pay mortgage insurance to protect the lender if the homeowner defaults on the loan so it is hard to understand why the homeowner should have to pay reverse mortgage insurance on a reverse mortgage.

How Much is the Cancelation Penalty the Insurance Charges
Learn how insurance companies calculate the retained premium when canceling an insurance policy and what your

Insurance Binder - Definition and Examples
The insurance binder represents the agreement between you and the insurance company that a policy will be issued. Learn more.

Why Every Policyholder Needs Umbrella Insurance
What is umbrella insurance? How much umbrella insurance do I need? Why would a person need umbrella insurance? How will umbrella protect my future?

What Do I Do After a Car Accident?
Do you know what information to obtain after a car accident? An outline of what procedures to follow after a car accident to ensure you are treated fairly.

Information to Collect When You Have a Car Accident
Wondering what to do if you had a car accident? Here is the information you should collect and have ready to report your claim and to protect yourself. Page 2.

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Is Your Drone Insured? Here's Everything You Need to Know
What you need to know about owning a drone and your insurance. Is it covered on your home policy? How to get low-cost coverage, drone resources & tips

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Long Term Care and Long Term Disability - Understanding 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.

Insurance Deductible - Definition and Example
How much is my insurance deductible? The deductible is chosen by the insured and is usually applied to coverage's such as comprehensive and collision.

How Credit Scores Affect Insurance Quotes and Policies
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.

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Understanding Insurance Policy Basics - Home Insurance
Learn about how residential homeowners, condo or renter insurance policies work. Find tips on how to get the most from your insurance and save money

Prevention and Protection Ideas and Tips for Your Home or Condo
Keeping your home or condo in good shape by preventing damage and accidents not only protects your investment but saves you money on insurance by reducing potential claims. Here you can find ideas and tips on how to protect your home or condo from things such as natural disasters, mold, liability accidents, and more.

Insurance Terms Glossary
Need to learn more about an insurance term? Find an easily accessible list of insurance terms with definitions here at the Insurance Terms Glossary.

Life Insurance Frequently Asked Questions
Educate yourself by learning more about the most frequently asked questions in life insurance.

Auto Insurance Fraud Information
Staged auto accidents, faking an injury, and arson are all causes for fraudulent insurance claims. Agents and companies are also not immune to fraud activities. Find out more about insurance fraud and links to confidentially report suspected fraudulent claims and activities.

Automobile Insurance Shopping and Savings
Looking for savings check-lists, information on buying online, or a quote worksheet? You can find them all here along with other helpful savings ideas, shopping articles and tips.

Life Insurance and Annuity Policy Basics
What is Term Insurance? What is an Annuity? Learn the answers to these questions and more life insurance and annuity policy basics here.

Auto Insurance Policy Basics
Find helpful information and insurance terms definitions to better understand your current or future automobile insurance policy.

FAQ for Homeowner and Residential Insurance
Here you can find the most frequently asked questions about homeowners and condominium insurance. Just click on a question for the answer.

Residential Insurance Shopping and Savings
This is a great place to find articles and links on savings advice and how to shop around to get the best policy or how to get the most out of your current policy.

Gap Car Insurance - Requirements, Leased Car, Coverages
What are the gap car insurance requirements? Do I need gap car insurance for my leased car? Can I buy gap car insurance for my older car? What is covered by gap car insurance? Find the answers to your gap insurance questions.

Government Sponsored Auto Insurance Plans
There are many reasons one may not be able to obtain a policy through a private insurance company. Here you can find out more about what government sponsored auto insurance plans are and how to qualify.

Auto Accident Prevention and Auto Care
By avoiding accidents and keeping your car in good shape you can get the best out of your insurance and your auto investment. Here you can find helpful information on what to do after an auto accident, tips on avoiding accidents and articles on basic auto care for everyday commuting and trips.

Your Right to be Treated Fairly: Claims and Service
Find out here what to expect from your agent and company. Covering service, claims, and unfair treatment.

Auto Insurance Frequently Asked Questions
Here are some common automobile insurance frequently asked questions. Just click on the question you are interested in to find the answer. Do you have another question that is not answered here? You can post it on the forum or email me directly!

State Insurance Specifics
Find your state commissioners website along with other helpful information and recent news regarding your state commissioner.

Fair Treatment and Fraud
Do you feel your agent is giving you the same great deal as your neighbor? What about your contract, was it legal? Here find articles and tips on how to make sure you are being treated fairly along with information on preventing and reporting insurance fraud.

Government Sponsored Homeowners and Condominium Insurance Plans
Sometimes it is difficult or even impossible to obtain private insurance on a home or condo because of excessive claims or the property resides in a high-risk area. Here you can find out more about government plans that may be able to help those who otherwise would not be able to obtain adequate insurance through private insurance companies.

State Specific Insurance Information for Home/Condo Policies
Every state has different laws on how insurance should be handled. Here you can find information on how to contact your state insurance commissioner and other related state specific information helpful to understanding your homeowners or condominium insurance policy.

Why Guaranteed Issue, Term or Whole Life Insurance? Which is my best choice?
When choosing life insurance there are many options. Learn the difference between guaranteed issue life insurance, whole and term life insurance so you can make the best decision for your life insurance needs.

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How to Make a Property Insurance Inventory List
How to create a property insurance inventory list to keep track of personal property. Get information to include in your personal property inventory.

Insurance Fraud - Costs of Insurance Hard and Soft Insurance Fraud
Insurance fraud is a bid deal. We all pay. Everyone should be concerned about insurance fraud and support efforts to work towards reducing insurance fraud.

Umbrella and Personal Liability Insurance - Everyone, Including Cyclists Should Have It
Umbrella or personal liability insurance is important for everyone to consider. Unexpected things happen all the time and the small cost of personal liability insurance is worth the peace of mind of enjoying one's life.

The Top Four Questions to Consider When Choosing A Condominium Insurance Policy
Condominiums and townhouses have special insurance needs. They donít 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 Agent
What is an Insurance Agent? What type of education does an insurance agent have?

Endorsement
insurace glossary endorsement

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.