Hybrid Policies Blend Long-Term Care and Life Coverage

One of the biggest mistakes people make in planning their health and life coverage is assuming they’ll never need long-term care services, or that if they do need these services, they will pay for them with their savings. And many people shy away from long-term...

How DNA Testing Could Change Life Insurance

The advent of home DNA-testing kits has opened up a can of worms and spawned many unanswered questions about life insurance, in particular. Life insurers are concerned that their policyholders may hide results from DNA tests that show they may have a propensity for...

The Dangers of Carbon Monoxide Poisoning in Your Home

If you have a home heating unit and/or appliances that use natural gas, there is always the danger of carbon monoxide poisoning in case of a leak or if a burner on your stove wasn’t shut off properly. Accidental CO poisoning kills at least 420 people and sends...

Why Wealthy Households Need Personal Umbrella Coverage

For high-net-worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board,...