What many people don’t realize is that survivors face several types of financial difficulties after a salary earner’s death, besides the loss of income. Here are a few life situations that life insurance can help your heirs handle more easily. Debts: Your debts don’t die after you pass away — they become your heirs’ responsibility....
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Do Life Insurance Companies Insure Marijuana Users?
Technically, it is a federal crime to grow, distribute or possess marijuana, or “cannabis,” its botanical name. And that can have implications for your insurance. Marijuana is known by many names, including cannabis and pot, and is the shredded leaves and flowers of Cannabis sativa — a mind-altering drug. In the last 20 years, it’s...
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Life Insurance for Marijuana Users
Technically, it is a federal crime to grow, distribute or possess marijuana, or “cannabis,” its botanical name. And when it comes to life insurance for marijuana users, that can have implications. Marijuana is known by many names, including cannabis and pot, and is the shredded leaves and flowers of Cannabis sativa — a mind-altering drug....
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Even Junker Cars Need Insurance
Nearly every state requires an owner of a registered automobile — even if it’s a junker — to have a minimum amount of coverage if it’s being driven. The three main types of coverage that most states require owners of registered vehicles to carry are bodily injury liability, property damage liability and uninsured motorists coverage....
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How Fire Protection Services Affect Your Insurance Costs
All areas of U.S. are assigned a rating depending on the available fire protection services. These ratings are called fire protection classes. Particularly in rural areas, your fire protection class can have a major influence on your insurance costs. Fire is one of the leading — and costliest —causes of homeowners insurnce claims. Therefore, an...
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The FAQs about Medicare Advantage Plans
Medicare Advantage plans can take the place of Medicare Part A, Part B and Part D. What are Medicare Advantage Plans? Medicare Advantage (MA) plans are a kind of Medicare health plan offered by a private company in contract with the federal Medicare program. Also known as ‘Part C,’ the MA plan provides you with...
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Your Guide to Understanding Critical Illness Insurance
Critical illness insurance provides coverage over and beyond what your health insurance policy covers. Do you need it? Critical illnesses can strike anyone, at any time. Critical illness insurance helps you deal with the unexpected costs of these health problems. According to estimates by the American Heart Association, this year alone 600,000 Americans will experience...
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Who Needs Life Insurance?
You might wonder whether to buy life insurance or not. Do you need death coverage, or is it just an additional expense? You might think you don’t need life insurance if you do not have children. But that is not always the case. If someone depends on you financially, then you definitely need life insurance....
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Planning for Power Outages
The largest electrical blackout in history, on August 14, 2003, left approximately 50 million utility customers in the Northeast and parts of Canada without electricity. Power outages can occur anywhere, although they occur more often in the Northeast and Midwest during the winter due to damage to power lines, and in urban areas during the...
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Space Heater Safety Tips
Staying Warm…And Safe Many of us use supplemental heaters, or space heaters, to heat an ordinarily unoccupied space such as garage or workshop, to provide additional heat during cold spells or to minimize heating bills. However, incorrect use of these heaters leads to about 120,000 residential fires annually. With colder weather on the way, use...
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