Are You Eligible For Group Insurance Rates?

Finding out if you're eligible for group insurance rates is typically a matter of performing some basic research. Many employers and associations sponsor insurance plans for his or her employees or members as a voluntary benefit. Alumni of various educational institutions are also sometimes eligible. Whether mid- to large-size employers or associations offer these programs or not, most are likely to possess one, if they care to sponsor it. Guarding the assets Most individuals need a … [Read more...]

Is It Important To Have Disability Insurance?

No one ever wants to find themselves in a situation where they need to use disability insurance, but that doesn’t mean they don’t need it. People have insurance for all sorts of things, yet, they often overlook insuring one of their biggest assets, which is their ability to earn money. There are a lot of factors that show that the risks of disabling injuries that impede one’s ability to work are a lot higher than you’d think. For instance, a 30-year-old person is 4 times more likely to become … [Read more...]

All You Need to Know About Final Expense Life Insurance

Most people aren’t comfortable talking about end-of-life issues, especially with their family members. However, it’s essential to plan for the financial security of your loved ones after you’re gone. Sooner or later, everyone has to die. No matter how you die, your family members have to pay for the funerals and other death-related items. While you can’t avoid death, you can at least make sure your loved ones don’t have to struggle financially by paying for funerals. One of the most … [Read more...]

Ultimate Guide to Critical Illness Cover

There are 3 types of cover you should consider taking. You’ve probably heard about life insurance and income protection policies. But what about critical illness cover? If you hear about it for the first time, don’t worry - this guide compiles everything you need to know. Keep on reading to learn more about critical illness cover. What is it? Critical illness cover is a type of insurance that pays out if you’re diagnosed with one of the critical illnesses or conditions listed in your … [Read more...]

Life Insurance: Reasons Why it is Important to Have One

Life insurance is a contract between you and an insurer where the insurer pays you or a beneficiary a sum of money in exchange for premium payments over your lifetime in the event that you die. Life insurance is a great way to protect your family or dependents from any financial burden as a result of your income. Car insurance helps cover things like mortgage and personal loans when you pass away. Types of Life Insurance In general, there are several types of life insurance that are … [Read more...]

Senior Care: How Much Does a Supplemental Insurance Plan Cost

For seniors on Medicare insurance plans, it is obvious that this health care plan is not enough for their medical coverage. This is where the Medicare supplement insurance plan comes in handy. Also known as Medicare gap coverage, this supplementary program offers additional coverage that a simple Medicare program will not be able to cover. A Medical Supplementary plan helps individuals with their coverage limit by taking care of some deductibles, co-payments and co-insurances. Some of them … [Read more...]

Is There A Time That You Will Longer Need Insurance?

For the reason of managing unforeseen risks, the majority of people will seek every type of insurance they can get their hands on. However, seeing as the fees of premiums are dedicated to a potential loss that has not yet occurred, some people are skeptical and, therefore, are discouraged from buying insurance. And although policies are capable of lifting you from desperate situations, sometimes they will not be worth taking out. That said,  it is better to be safe than sorry.  If … [Read more...]

Things You Should Know Before Being An Insurance Agent

Pursuing a career in insurance can be very rewarding. Most of those who consider this career path are tempted by its attractive compensation before they look into the other aspects of the job. Others fear that such an attractive job will be too demanding or requires a lot of certifications and qualifications. While it’s true that this career is both rewarding and demanding, there’s more to it than meets the eyes. Pursuing a career in insurance usually starts with becoming an insurance agent. To … [Read more...]