Live Insurance News

What to Know Before You Hit the Road and Sign the Loan

July 15, 2025July 15, 2025 Guest Author

Buying a car is exciting—shiny paint, that new car smell, and the thrill of hitting the road. But before you take off, there are a few things to sort out. Let’s just say the paperwork might not be as fun as the test drive, but it’s just as important. Whether you’re shopping for your first ride or upgrading to something better, understanding what you’re signing and how to protect your vehicle will save you a lot of stress. These tips will help you stay in control and feel confident from…

“Insurance Poor”: The Silent Crisis Draining American Wallets

July 14, 2025July 14, 2025 Live Insurance News

You’ve probably heard someone say it: “Every month, it’s like half my paycheck disappears into premiums. It’s exhausting.” That’s what it means to be insurance poor—a reality millions of Americans face every day. They’re stuck paying sky-high premiums for health, auto, home, and life insurance, leaving little to cover the rest of life’s essentials. How did we get here? And how many are stuck in this financial trap? The Numbers Don’t Lie Insurance costs are eating up more of our paychecks than ever before. Health insurance premiums alone have skyrocketed. According to recent…

How to Weather the Storm of Minnesota Home Insurance Increases

July 14, 2025July 14, 2025 Angela Linders

Minnesota Retirees Brace for Rising Insurance Rates Retirement should mean relaxation, not financial headaches. But in Minnesota, rising homeowners insurance costs are becoming a major concern—especially for retirees on tight budgets. If you own a home, you’ve probably noticed your premiums creeping up. And, unfortunately, more hikes are on the way. The Numbers Don’t Lie Here’s the hard truth. Homeowners insurance in Minnesota already costs an average of $4,000 a year. That’s a big chunk of change. And according to Realtor.com, rates are expected to increase by 15% by the…

HUD Proposes Ending Green Discount for Multifamily Loans

July 8, 2025July 8, 2025 Logan B.

Move could reshape incentives for energy-efficient housing and multifamily development The U.S. Department of Housing and Urban Development (HUD) has introduced a proposal that’s turning heads in both the housing and sustainability sectors. It wants to end the Green Mortgage Insurance Premium (MIP) reduction—an incentive designed to reward multifamily housing projects that meet green building standards. Here’s the twist: the reduced premium won’t disappear. Instead, HUD plans to extend it to all multifamily loans, no matter the project’s energy efficiency. This change? It’s a big deal. For renters. For developers.…

Louisiana Distracted Driving Law Update: What’s Changing on August 1st?

July 5, 2025July 5, 2025 Marc

Louisiana drivers, take note. The rules of the road are about to change. Starting August 1, 2025, the state is stepping up its fight against distracted driving with stricter enforcement of a new law that bans most handheld phone use while driving. But what exactly does this mean for you? Here’s the scoop on what’s happening and why it matters. What’s the Situation Right Now? Currently, handheld phone use while driving isn’t a free-for-all in Louisiana. Nope. There are already plenty of rules: Texting or emailing while driving? Illegal statewide.…

Inspection Repeal: A Win for New Hampshire Drivers, a Loss for Mechanics?

July 5, 2025July 3, 2025 Angela Linders

New Hampshire Mechanics Brace for Impact as Vehicle Inspections End Big changes are coming to New Hampshire’s roads—and its auto shops. Starting January 31, 2026, the state will no longer require annual vehicle inspections. For drivers, it’s a win. For mechanics? Not so much. What’s Changing? For decades, New Hampshire drivers have been required to get their cars inspected annually. Mechanics checked everything—brakes, tires, lights, emissions. It cost around $50 per car, and for many shops, it was a steady source of income. But now, that’s all going away. The…

Wildfire Smoke and Dementia – A Study’s Surprising Retraction

July 4, 2025July 3, 2025 Ben Jones

Update on Wildfire Smoke and Dementia Link Back in January, we shared some eye-opening findings about wildfire smoke possibly increasing the risk of dementia. Remember that? The study suggested that long-term exposure to particulate matter (PM2.5) from wildfires could raise dementia risk by 18% for every 1 µg/m³ increase in concentration. Alarming stuff. But now? There’s an update. A big one. Study Retracted—What Happened? It turns out the original study had a critical flaw. A single coding error—a misplaced “and/or” in their data analysis—led to major misclassifications in the dataset.…