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What is Critical Care Insurance? Do You Need It?
Critical care insurance (also known as critical illness insurance or catastrophic coverage) is a supplementary type of health insurance plan. It’s designed to help you financially in the event of a...
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Hospital Indemnity Insurance: What Is It and How Does It Work?
When looking at different options for supplemental health insurance, it’s possible you’ve seen the phrase “hospital indemnity insurance.” However, you might not know what it means. In short, hospital...
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AD&D Insurance: Everything You Need to Know
This is a conversation with no easy starting point. If you didn’t already know, AD&D insurance is a bit morbid. It stands for “accidental death and dismemberment,” something we hope never happens...
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Medicare Plan G: Everything You Need to Know
Medicare Plan G is a highly regulated supplemental insurance plan for those already enrolled in Medicare Parts A and B. Purchased through private insurance companies, Plan G is an alternative to fill...
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Short Term Disability Insurance: How Do You Qualify?
Short term disability insurance is a special kind of coverage. As the name implies, it’s meant to replace lost wages during a short period where you are unable to work due to a temporary disabling...
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What Is Final Expense Insurance and Do You Need It?
We recently went through the trauma of losing my dad. We were fortunate that our finances were solid enough to not have to worry about funeral costs. In fact, my sister wanted to spend even more money....
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Personal Liability Insurance Explained: Do You Need It?
We’ve probably all heard this story, one way or another. It remains one of the funniest things I’ve ever read about. It’s the story of the burglar who broke into a home and then tried to sue the home’s...
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What is Hazard Insurance and Do You Need It?
When I tried to refinance my house last year, one of the first things the new lender wanted to see was a hazard insurance policy on my house. I was honestly surprised when they made that request. I...
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What is Laptop Insurance (And Do You Need It)?
Laptop insurance is, as the name implies, simply extra insurance coverage for a laptop computer. You’ll pay a monthly (or annual) premium to have your laptop insured against theft, loss, or damage. If...
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What is HO6 Insurance and How Does it Work?
Do you ever wonder why insurance companies invent so many different names for essentially the same thing? Take H06 insurance, for example. It’s sometimes called walls-in coverage. Others just simply...
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What’s An Insurance Binder? Everything You Need to Know
In the world of insurance, things can get complicated. There are so many different types of polices and lots of terminology to know about. One common term you’ll likely come across is “insurance...
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Driving Without Insurance: Everything You Need To Know
I was always told that having car insurance is required by the law. However, I recently found out that not strictly true. Not entirely. Stay with me for a second. Yes, every state requires drivers to...
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Whole vs. Term Life Insurance: How To Choose
When looking at the financial needs you may have throughout your life, the subject of supporting your loved ones should the worst happen will likely come up. It’s a grim topic—and it’s natural to want...
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What is SIPC Insurance? Everything You Need To Know
It’s been years since anybody’s worried about a financial brokerage firm going under. However, that doesn’t mean consumer protection isn’t important. After all, you never know when the next crisis will...
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How to Get Health Insurance If You’re Self Employed
One of the biggest challenges faced by those who are self-employed is finding affordable health insurance. For some, not having that benefit from work can be a real budget killer. You know that health...
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Medicare Advantage Plans: Are They Good or Bad?
A Medicare Advantage Plan, also called “Part C” or an “MA Plan,” combines hospital insurance, medical insurance, and prescription drug coverage into one single plan. Essentially, a Medicare Advantage...
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Health Insurance for the Self-Employed: Best Options
One of the scariest things about self-employment is trying to figure out what you will do for healthcare. Not having healthcare can result in incurring steep costs after a medical emergency. For a lot...
View ArticleIs Gap Insurance Worth It? Everything You Need to Know
It seems like there is insurance for anything and everything these days. You can (and should) obviously insure your vehicle and home (or rental). You can buy AppleCare for your new iPhone. And yes, you...
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Vicarious Liability: What Is It and How Does it Work?
“The court finds you vicariously liable!” That’s the dreaded statement no one ever wants to hear. For anyone who doesn’t know what it is, vicarious liability can seem like a legal jargon that’s best to...
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Adding a Teen Driver to Your Insurance (Without Breaking the Bank)
Teenagers learning to drive is a rite of passage. It’s one that parents dread, but their teens can’t wait for. I remember how I couldn’t even fall asleep the night before when my parents told me I...
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