When you consider the growing number of people over 65 in the U.S., the declining popularity of long term care insurance seems troubling. To improve awareness of how this insurance can benefit people, October has been named Long-Term Care Planning Month. Here are ten reasons you might want to consider purchasing long-term care insurance, especially...
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Health Plans 101
Do you need individual health insurance to avoid penalties in 2015? You can make a better buying decision if you understand the types of plans available.When talking about health plans, the two major categories are fee-for-service and managed care. The main differences largely involve choice of providers, out-of-pocket costs for covered services and how bills...
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Critical Illness Insurance Insures More than Just Your Health!
Dr. Marius Barnard, brother of pioneering heart surgeon Christiaan Barnard, introduced critical illness insurance in South Africa in 1983 after seeing the financial hardships costly medical treatments caused his patients. He reportedly said that, as a doctor, he could repair man’s body but only an insurer could repair his finances. Since its introduction in 1983,...
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How To Insure Your Home-Based Business
About 46 percent of self-employed workers conduct their business from home, according to the U.S. Bureau of Labor Statistics. If you have a home-based business, you have special insurance needs. The broader availability of wideband or wireless Internet access and faster, cheaper computers have made working at home an increasingly viable possibility for millions of...
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How To Protect Yourself from Dog Bite Liability Claims
The Insurance Information Institute (III) reported that dog bite liability claims cost an average of $27,862 in 2013. If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? He may be man’s best friend, but dog bites account for one-third of all homeowners insurance liability...
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Cash Value vs. Replacement Cost Home Insurance
Do you know the difference between “actual cash value” and “replacement cost” coverage? The difference has a significant effect on how much your insurer will pay out after a loss to your home. Suppose a tree falls on your house, causing severe damage to your kitchen. Your kitchen appliances are 10 years old. New appliances...
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Is an Annuity a Good Retirement Investment?
Do annuities belong in your retirement portfolio? If you’re looking for a guaranteed revenue stream, consider the following pros and cons to decide if an annuity is a good investment for your retirement portfolio. When you buy an annuity, you’re buying an investment that provides regular payments over time. The annuity buyer (the annuitant) makes...
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How Do You Rate a Healthcare Provider?
Before buying something online, you can check reviews from previous purchasers. But when you buy healthcare services, where do you turn for pricing and quality information? How do you rate a healthcare provider? Why Information Matters High-deductible health plans are supposed to encourage medical competition by giving consumers financial incentives to seek the most cost-effective,...
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Six Tips For Avoiding Medical Identity Theft
Like financial identity theft, medical identity theft can leave you responsible for bills you did not incur. But unlike other types of identity theft, it can also affect your medical records, jeopardizing your health. It could even jeopardize your health insurance coverage. Medical identity theft occurs when another person uses your identity or insurance information...
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The Most Important Life Insurance Terms Explained
If you find life insurance shopping confusing, you’re not alone. A new study calls 19 million Americans “stuck shoppers” of life insurance, because they believe life insurance is valuable and necessary, but they find shopping for it confusing and overwhelming. The joint study, by insurance trade organization LIMRA and Maddock Douglas Research, lays the blame...
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