Insurance

For those who wish to upgrade their life insurance or change to annuities, one of the biggest considerations is doing so without incurring tax penalties. Certainly this can be challenging in good economic times but when economy is bad there can be additional difficulties. At the same time, the life insurance industry is taking advantage of some special alternatives. These options offer more opportunities for those with differing financial needs and objectives than are available through traditional kinds of insurance and annuities. The 1035 Exchange This is where the 1035 Exchange may come into play. Essentially, it is a section …

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Accuquote offers a variety of different life insurance options, so depending on the safety net you would like to establish, they will have a plan to suit your needs. There are many different types of life insurance available to us, and with health care costs rising at a rapid rate, life insurance could be the saving grace you leave behind for your family. Policy Types: Term Life Insurance with Accuquote There are variations of term life insurance but I will break it down into a simple version. Term life insurance is generally the cheapest but could also turn out to be the …

Accuquote Review: Getting Life Insurance Quotes Online Easy and Cheap Read More »

Alzheimer’s disease is a debilitating and frightening disease. Knowing that someday you or one of your loved ones can lose the mental capacity to function day to day, unable to recognize loved ones, and unable to care for oneself is scary. The care for someone affected by Alzheimer’s disease, can be long term, overwhelming, and costly. From doctors visits, hospitalizations, various therapists – including speech therapists, occupational therapists, physical therapists and psychologists, the expenses can be high. Therefore, it is a good idea to think about having insurance to cover Alzheimer’s care. It is one less thing to worry about …

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Growing more common ever year, burial insurance is a way for seniors to prepare for their death ahead of time. By not leaving the details and financial burden of the funeral to loved ones, seniors can rest easy knowing that everything is taken care of. In grief over the loss of their loved one, families often spend more then they need to on funeral arrangements because they are making decisions based on emotion – purchasing a more expensive casket then needed, adding on extras to the service that aren’t necessary. With burial insurance and planning, some of these decisions can …

Burial Insurance for Seniors Read More »

Classic muscle cars from the 1950s, roadsters from the 1960s and rare luxury Porsches from the 1970s and 1980s are fast becoming prized possessions by car collectors all over the world. Many baby boomers are looking at unique, pristine classic cars for prestige, fun and excitement. Owning one of these beautiful cars or two takes money to operate and insure, so it’s important to consider some classic car buying tips. Being patient and flexible, avoiding Craigslist and knowing what you want are helpful guidelines. It’s equally crucial to know the steps involved in insuring your purchase. If you have to finance …

Classic Mistake: Avoid Paying too Much for Car Insurance Read More »

Home insurance, which is sometimes also known as homeowner’s insurance (or HOI), or hazard insurance, is a type of property insurance that private homeowners can purchase in order to ensure their home. These insurance policies generally combine a large number of protections that are important to any homeowner, such as loss of the home, the contents contained within the house, loss of certain other possessions, loss of use regarding the house, and generally some sort of liability insurance for accidents which can occur on the covered property (such as construction accidents). Generally, home insurance uses a single premium for all …

Comparing Home Insurance Read More »

Most credit card companies offer credit card protection plans.  It’s insurance that’s meant to cover your minimum credit card payment in the event you become disabled and unable to work for a certain period of time.  Many people have credit card protection coverage and don’t even realize they’re paying for it.  Have you fell victim to that?   Let’s do some investigating to find out. What is Credit Protection Insurance? Credit protection is offered by credit card companies, car dealers, banks, stores, and other lenders. The average cost for insurance is around 75 cents to $1 per $100 credit card balance, …

Do You Need Credit Card Protection Insurance? Read More »

Ever hear of critical illness insurance? This isn’t standard-issue long term disability income  insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives. But the question remains, do you need to buy it? The notable wrinkle about this insurance vs. other types of insurance that you need is that the insurer issues you a lump sum while you are alive. Critical illness insurance is for a prolonged health crisis. You buy critical illness insurance to help you out in case you are diagnosed with, suffer from, or experience a serious, potentially life-threatening health …

Do You Need to Buy Critical Illness Insurance? Read More »