Articles

Why Some Businesses Need Terrorism Insurance

While the U.S. has escaped a major terrorist attack for a few years now, the threat is always present as there are many organizations and lone wolves that would like to do harm to people and property. Besides the risk of loss of life and injuries, an act of terrorism...

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Treat Your Insurance Polices as Valuable Assets

Even though your insurance premium payments appear on your books as an expense, you are in fact purchasing a valuable asset. The law firm of Anderson Kill recommends in a blog that companies treat their policies as assets that must be actively managed if their full...

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Health Plan Rebates in 2021 to Be Second Highest on Record

Health insurers are expected to pay out $1.5 billion in rebates to people enrolled in individual health plans this year, after seeing the use of health care services plummet during the COVID-19 pandemic. That's according to a Kaiser Family Foundation estimate in...

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Does Medicare Cover Long-Term Care?

Many Americans are grossly underinsured against the risk of devastating long-term care costs. According to the 2020 annual "Cost of Care Survey" from Genworth, the average yearly cost for a semi-private room in a long-term care skilled nursing facility is $93,075 and...

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Term vs. Permanent Life Insurance

You hear a lot on TV and the radio debating the merits of term insurance versus the merits of permanent life insurance policies, including whole life and universal life insurance.  Anyone who advocates 100% for or against any kind of life insurance structure is...

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Long-Term Care and Its Impact on Families

You probably haven't thought about it much, but what would you do if you suddenly suffered from a serious health condition, such as a disability? Would a family member be able to take you in and care for you? What would the impact be on their immediate family in...

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Beware of ‘No-Exam’ Life Insurance

Today's consumers value convenience. Ours is an economy of drive-through meals, online shopping and groceries brought straight to our doorsteps. Insurance carriers are also offering "simplified issue" policies, and even life insurance without an exam. That may be...

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How to Shelter Income from Taxes

If you're earning extra income this year, you may be concerned that you'll be faced with a larger tax bill than you've had in prior years. Fortunately, there are financial steps you can take to sock that hard-earned money away, mostly into retirement savings accounts,...

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Remember Safety When Barbecuing This Summer

Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen. According to the U.S. Fire Administration, fire departments respond to an estimated average of 10,600 home structure and outdoor fires involving grills per year. These fires...

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Dog Bites and Your Homeowner’s Insurance

There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability. About 4.5 million people suffer dog bites every year, according to the Centers for Disease...

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Be Extra Careful Driving in Work Zones

Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene.Work zones are designed to improve the safety of workers...

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