You might be shocked at the coverage you do and do not have. Your local car insurance agents have a wealth of knowledge and experience about your coverage that can be everything from fascinating to useful. These facts can save you a surprising amount of money. Talking to an insurance expert near you can ensure you are protected where you think you are. It’s always a good idea to review your coverage with one of your local car insurance agents once a year to be sure your coverage is what…Read More
Disability Insurance – A Dying Breed
When you think of disability insurance, you may automatically think about the benefits some receive through the Social Security program. This is run through the government. Everyone pays in, and someone who becomes disabled can then receive money each month. This program has saved many families from financial ruin, but the amount you can receive each month is not a lot. Families need more protection. Did you know there are other policies you can buy on your own in the event you are in a terrible accident or if you…Read More
Who can benefit from cancer insurance?
As it is a form of supplemental health coverage… many people wonder if they can truly benefit from cancer insurance or if it simply means spending more money at a time when there isn’t a lot of extra to go around. In order to determine whether or not cancer insurance will be beneficial for a given consumer, both mathematics and emotions must be taken into account. Cancer insurance should be considered in the same way as any other form or protection – coverage for a “what if” scenario that could…Read More
A Christmas tale from an insurance point of view
We found this and couldn’t resist…so in the spirt, please enjoy a Christmas tale from the insurance side of life! ‘Twas the night before Christmas (12:01 a.m. 12/25) and all through the house (single family, joisted masonry, e.c.3, terr. 44, pc5), not a creature was stirring, not even a mouse (thorough pride of ownership and excellent maintenance). The (flame-retardant) stockings were hung by the (contractor-installed) chimney with care, in hopes that St. Nicholas soon would be there (in spite of deadbolt locks and central station alarm system). The children (ages…Read More
Breast Cancer Awareness Month; A fresh look at a three-pronged approach to personal cancer protection
Though cancer is a frightening and potentially devastating illness that affects millions of families across the country and around the world, many Americans are learning how to take action to protect themselves as much as they can from the impact of this disease. This effort has three stages and, in the unfortunate event that cancer should occur, it ensures that its impact on your life, that of your family, and on your future will be kept as low as possible. The first step is prevention. A healthy lifestyle, including choices…Read More
U.S natural disasters: How the insurance industry is faring and what consumers need to know about the future.
As Hurricane Irene barrels down on the East Coast, Chris Hackett, Director of Personal Lines Policies for The Property Casualty Insurers Association of America (PCI), has quite a few things to say concerning insurance and how people will be affected by the storm. We were able to ask Mr. Hackett about current, past and even future potential natural disaster events that we all should prepare for. Here is what he had to say: Live Insurance News – With hurricane Irene beating down on the Carolinas, and maybe even New York,…Read More
New California earthquake bill promises lower rates and more coverage
After seeing earthquakes rip through Japan and New Zealand, California is now being eyeballed as many realize how under-insured residents truly are. A new bill backed by California senators, Barbara Boxer and Dianne Feinstein, is promising high insurance premiums to be cut by 30% and a reduction of large deductibles for homeowners – without having to come out of the tax-payers pocket. The bill proposes that the California Earthquake Authority, a state run non-profit insurance program, will be allowed to apply for what’s called a, “guaranteed federal loan” in the event…Read More