Insurance Articles

I have written many articles about the hard surety bond market. To my surprise many want to know more details as to how we got to where we are at. Like all industries the surety bond industry is heavily influenced by the economy. We can all remember ...

My whinstone house my castle is, I have my own four walls. This is truth for every home owner. Your home, your castle, your prized possession, your territory - which is certainly more than four walls. You would do anything to protect it against dama...

Consumer-driven healthcare is a label that we've put on a movement in America to change the way decisions are made in our healthcare system. Instead of insurance companies making all the decisions about how people will receive their healthcare, cons...

Insurance is always a gamble, a bet actually. You are betting that you'll eventually get sick or hurt. And your insurance company is betting that you'll stay healthy. If you stay healthy your whole life, but still pay into insurance, that's great fo...

First the bad news: about 2,000,000 personal bankruptcies each year are caused by unexpected medical expenses. Of all those people, 1,500,000 have (or had) health insurance before they ran into difficult financial straights. But wait a minute. Isn't ...

The Health Savings Account (HSA) is a great tool that is going to help us all reduce our health insurance costs and avert the current healthcare crisis in America. But what happens when a person retires? What use is an HSA then? Your HSA transform...

The Health Savings Account (HSA) is an amazing tool to reduce healthcare expenses and insurance costs.  But do you lose it at the end of each year, like with a Flexible Savings Account (FSA)? Thank goodness, no!  You do not lose your HSA m...

Although premiums, policies and prices vary widely, the mandate does not. Automobile insurance is an unavoidable expense of driving. Ideally, you will never have use for your auto insurance. In the event that you do; however, you will considerably im...

Insurance versus assurance: what is the difference? Should you care? Yes!! The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product. When looking for a policy you need to know...

Aren't all travel insurance plans basically the same? No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim)...

With the soaring rise in claims to insurers from their customers, millions of pounds are being lost on a day to day basis throughout the industry in regards to personal property insurance. A new system in the UK provides insurance companies with an e...

The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier. A Health Savings Account is an investment...

Do you know that skyrocketing health care costs have been draining the federal government and employer's exchequers over the last couple of years? The health care costs account for 15.5 percent of U.S GDP and is the most expensive benefit paid by emp...

Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today. Here in the 21st century our lives have become more and more reliant on mobile items. As we go through our days, keeping a mental log of everything we have and wh...

For over 30 years I have been representing injured workers in workers compensation proceedings and there are some basic errors that injured workers make time and time again. First, it is common for injured workers to ignore a serious injury for a day...

You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you? The idea behind pay as you drive auto insurance is simple. Basically its t...

How is your driving record lately? Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record? High risk auto insurance generally means one thing for sure, higher car insurance rates. Even though high risk auto...

You can go online to easily find and quote auto insurance comprehensive coverage. The definition could include basically (2) trains of thought. Often the term comprehensive merely applies to thorough physical damage in the event of loss to the vehicl...

Finding insurance quotes for California auto is now pretty easy. There was a time where finding auto insurance at a price we were willing to pay took a lot of driving and calling around. You'd select different agents that represented different compan...

The Medical Savings Account (MSA) is an older form of the Health Savings Account (HSA). You cannot open a new MSA. You cannot contribute additional money into your MSA. However, you can keep your MSA as long as you like. When you retire, it will au...

Over the course of the last ten years, car insurance for young drivers in the UK has increased substantially. This has caused many problems for new drivers with premiums averaging £1300 for a newly qualified 17 year old male driver. Young female dri...

Health insurance is a kind of protection that provides payment of benefits for covered sickness or injury. Included in health insurance are various types of insurance such as accident insurance, disability income insurance, medical expense insurance,...

The Health Savings Account (HSA) is becoming well-known as an incredible tool to reduce health insurance premuims and still provide good security for healthcare emergencies. This article is about submitting your medical bills while you are still unde...

Your friendly, neighborhood life insurance agent is most likely to answer this question with the word "everybody." The fact is, not everybody does need life insurance. If you don't have a family, you probably don't need life insurance unless, of cour...

OK, you take that stroll down to the mailbox excitedly as you do everyday hoping to find the catalogue with all that neat stuff you want to buy or to find that magazine you love to read or to find that big check Uncle Bob sent! Come on, you know you ...

Life Insurance is an insurance policy that provides an agreed amount of cover over an agreed term, so that should you die during the policy term, a lump sum is paid out. Life insurance is considered as the cornerstone of financial planning. It is a c...

For many years in the UK, motor insurance has been a competitive marketplace. Consumers have been used to shooping around at renewal time with a host of direct companies available. The internet has further fuelled this change allowing more people t...

There are times when you'll find yourself temporarily without health insurance. You may be between jobs, just starting a new job or a student who is no longer covered on your parent's health insurance. Temporary health insurance purchased online can ...

In 47 of the 50 United States, it is illegal to take a car onto the road without auto insurance. Compulsory insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. The states that require aut...

In the UK each September, 350,000 new students embark off to university to begin a university career. The latest research shows that these same students will graduate three years later with average debts of £14,000. Students know keeping a tight gr...