Friday, September 9, 2016Whether you rent or own your home, the property as well as its contents should be protected with insurance. For those who own homes, homeowners insurance can protect the home and the home's contents. If the home is a rental, the owner of the home would insure the property, while the renter is responsible for insuring the contents of the home. READ MORE >>
Friday, September 2, 2016Homeowners' insurance isn't a luxury, it's a necessity. In fact, most mortgage companies won't make a loan or finance a residential real estate transaction unless the buyer provides proof of coverage for the full or fair value of the property (most of the time this is the purchase price). READ MORE >>
Friday, August 26, 2016 Life insurance is a great way to protect your loved ones financially, but it’s also a major investment. Over a period of years, even a slightly lower premium can yield major savings. The following are some of the biggest factors that insurers consider when pricing out their policies. READ MORE >>
Friday, August 19, 2016Here's how to prepare your home interior for the coming winter months. Keep the house warm. Set the thermostat no lower than 65 degrees to keep pipes from freezing inside the walls of your house, where temperatures can be much colder. Add extra insulation to attics, basements and crawl spaces. READ MORE >>
Friday, August 12, 2016Simple Steps to Make Your Home Safer, Warmer, (and Cheaper to Live in) Ice, snow and wind can have devastating consequences on your home; fortunately, there are precautions you can take to avoid winter related damage. Keep in mind, the time to winterize is when the leaves begin to turn and not when the snow begins to fall. READ MORE >>
Friday, August 5, 2016 For any life insurance policy, the face value is the death benefit. This is the stated dollar amount that the policy's beneficiaries receive upon the death of the insured. In most cases, the face value is transferred to the beneficiaries tax-free. READ MORE >>
Friday, July 29, 2016 If you need money in an emergency, one place to look is your insurance policy. That is, if what you have is permanent life insurance – available as either “whole life” and “universal life”. READ MORE >>
Friday, July 22, 2016Life insurance is a popular part of long-term financial planning. But to effectively incorporate this tool into your portfolio, you must understand how and when life insurance payouts are delivered to beneficiaries. This includes understanding how quickly benefits will be paid and designing the policy with the payout option that works best with your estate planning. READ MORE >>
Friday, July 15, 2016Some insurance companies offer only one type of insurance, while others offer many different types. Insurance buyers often receive a discount if they buy all or many of their insurance policies from the same company. Bundling often presents value to policyholders, but there are times when it does not. READ MORE >>
Friday, July 8, 2016When it comes to considering life insurance as an investment, you’ve probably heard the adage, “Buy term and invest the difference.” This advice is based on the idea that term life insurance is the best choice for most individuals because it is the least expensive type of life insurance and leaves money free for other investments. READ MORE >>
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