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1. There are many kinds of private health insurance  policies. Different kinds of policies can offer very different kinds of benefits, and some can limit which doctors, hospitals, or other providers you can use. 2. You may have to pay coinsurance or a copayment as your share of the cost when you get a medical [...]

Gender-based Car Insurance

Insurance has long been split on the gender issue - not whether they can use gender to determine rates, but if men should be charged more than women or vice-versa. The ethical question, however, has been debated by governments recently, leading to several industry regulations changes that now restrict the use of gender statistics in [...]

You may be one of the millions of Americans that are living without health insurance. You know that you should probably have health insurance, but for whatever reason you have put off getting insurance. Maybe you are low income and cannot afford insurance or perhaps you have been putting off getting insurance in hopes that [...]

Universal Life Insurance

Universal life insurance can be viewed as a marriage between life insurance and saving. You decide how much death benefit you want your universal life insurance policy to have and the frequency of your premium payments. You also decide how much money should be applied to your saving account and how much to life insurance. [...]

Best Term Policy

One of the most popular life insurance policies is the 20 year term life insurance policy. The purchaser of the policy usually pays a level premium for the first 10 years. In some cases the premiums remain level and at the same rate for the entire 20 year period, however, some companies increase the premiums [...]

There are many factors that influence car insurance rates. A recent study by InsuranceQuotes.com finds that buying car insurance in December is cheaper than buying it in any other month. Timing affects car insurance rates, but location is a strong determinant as well. Weather, crime rates and traffic congestion are just some of the factors [...]

No one enjoys getting stopped by a cop for speeding. It's embarrassing. It also defeats the purpose of speeding in the first place. You sit by the side of the road, twiddling your thumbs, watching the minutes tick by. This is the opposite of "speeding" to your destination. Plus the ticket. According to U.S. Highway [...]

All About Retail Security

In our recent series of business blogs we focused on some of the different types of insurance certain businesses should have in place. The blogs focused on theinsurance requirements of tradesmen and van drivers as well as a briefexplanation of professional indemnity insurance. As part of our series we also looked at 5 types of insurance cover required by [...]

When thinking about investment performance in the insurance industry, I'm reminded of a quote from the movie Bull Durham when Nuke LaLoosh said, "A good friend of mine used to say, 'This is a very simple game. You throw the ball, you catch the ball, you hit the ball. Sometimes you win, sometimes you lose, sometimes it [...]

Consumers fumed over the rollout of Healthcare.gov and the state health insurance exchanges last fall. First, they couldn’t get online. Then, once they did, the information was hard to understand. For consumers accustomed to easy shopping on Amazon or eBay, choosing a health insurance plan online was an exercise in frustration. That frustration highlights how [...]