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Does your insurance agent have your best interests in mind?Post

Does your insurance agent have your best interests in mind?

If you are serious about your insurance needs, you should probably speak with an agent directly over the phone rather than by just looking at your computer screen. But it is important to have an agent who cares about your needs and has the knowledge and resources to get you the policies you should have at a price you can afford. Here are a few tips to help you know whether your agent is on your side, or whether it is time to shop around for another solution.

If you are serious about your insurance needs, you should pr...

The Most Common Pet Insurance ClaimsPost

The Most Common Pet Insurance Claims

In this comprehensive article, we delve into the realm of pet insurance to provide you with essential information on The Most Common Pet Insurance Claims and how to protect your furry companion’s well-being. From accidents to illnesses and chronic conditions, we cover the key topics you need to know to navigate the world of pet...

In this comprehensive article, we delve into the realm of pe...

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Best Insurance for Pursuing Financial Independence (2024)Post

Best Insurance for Pursuing Financial Independence (2024)

For many people, being financially independent means being able to afford to live your lifestyle with assets aside from your monthly paycheck in the form of passive income. Many people set this as a goal for themselves to pursue and it’s not hard to see why. Achieving financial independence early on can boost your savings and get you closer to an early retirement.

For many people, being financially independent means being a...

Bicycle Insurance: A Complete Guide (2024)Post

Bicycle Insurance: A Complete Guide (2024)

Transportation is a dangerous necessity that all people engage in daily. Whether you are driving a car, flying on a plane, or riding a motorcycle, the chances of getting injured or being in a fatal accident are at an all-time high. Usually, the cause behind incidents are because of distraction or negligence. Similarly, the situation and outcome is the same if you’re riding a bicycle. The truth is that people rarely, if ever, pay attention to bicyclists. This unmindful behavior has led to an annual estimate of 726 injuries and deaths for bicycle/motorist crashes. Ultimately, you want to protect your life and your bicycle.

Transportation is a dangerous necessity that all people enga...

Wedding Insurance: A Complete Guide (2024)Post

Wedding Insurance: A Complete Guide (2024)

Plans for a wedding day start long before the proposal. Little girls play house and dream about every detail of their wedding dress. By the same token, young boys prepare for matrimony by learning the responsibilities to become a husband. With all this priming, it’s no wonder that couples expect their wedding days to be the perfect representation of love! Unfortunately, very rarely do these days go off without a hitch. Unforeseen occurrences are right around the corner! Whether you’ve been in the wedding party for someone else’s special day or have watched it play out on TV, there are always things that go wrong which have the potential to ruin the occasion. From an unplanned tropical storm blowing away tents, wedding insurance can help safeguard the ceremony, and can also give you the bliss and ease that you deserve. Here’s a complete guide to wedding insurance!

Plans for a wedding day start long before the proposal. L...

Best Insurance Companies (2024)Post

Best Insurance Companies (2024)

Insurance companies come in many shapes and sizes. When shopping for insurance, you should know that a company that is good for one person might not be good for another.

Insurance companies come in many shapes and sizes. When shop...

Insurance Quotes OnlinePost

Insurance Quotes Online

Getting online insurance quotes is easier than you might think. In addition, because you have the convenience of getting the quotes at your leisure, you can shop when the mood strikes, whether you need auto insurance in the middle of the night or home insurance policy on a holiday.

Getting online insurance quotes is easier than you might thi...

Sensitive Insurance Wording to Avoid (2024)Post

Sensitive Insurance Wording to Avoid (2024)

We all have words or phrases that set us off or cause discomfort. Your insurance company is no different when it comes to word or phrase sensitivities. There are some words that are so important to insurance companies that an incorrect usage of the word could result in non-payment on a claim or other confusion. It always helps to know the sensitive words, so you can approach any conversations with your insurance provider the right way.

We all have words or phrases that set us off or cause discom...

Common Insurance Acronyms: Insurance Terms Explained (2024)Post

Common Insurance Acronyms: Insurance Terms Explained (2024)

Rather than talking to us in a normal, human language, insurance companies seem to derive joy from speaking in a strange language of acronyms. This language, if it can be called a language, can be confusing. You may feel like you need a translator. The following list will, hopefully, be a help to you if you should have to be involved in an insurance discussion.

Rather than talking to us in a normal, human language, insur...

11 of the Most Unusual Things People Have Ever InsuredPost

11 of the Most Unusual Things People Have Ever Insured

The purpose of insurance is to protect the owner of the policy from financial losses in the event that something happens to the property being insured. Because what makes a financial difference for person or company is not the same as it is for another, there is a long list of unusual things which have been insured to protect the interests of their owners. The 11 presented here are among the most unusual, but they are only the top of the list and there are thousands of such items insured right now, all over the world.

The purpose of insurance is to protect the owner of the poli...

Raising Your Deductible – Weighing the Risks vs. the Benefits (2024)Post

Raising Your Deductible – Weighing the Risks vs. the Benefits (2024)

One way to manage the cost of your premiums is to raise or lower your deductibles. Higher deductibles mean lower premiums. But there is a balance between saving money and putting yourself in financial jeopardy. Adjusting your deductibles according to your personal needs is a tool you can use to leverage your ability to buy insurance.

One way to manage the cost of your premiums is to raise or l...

Insurance Policy Non-Renewal vs Cancellation: Insurance Terms Explained (2024)Post

Insurance Policy Non-Renewal vs Cancellation: Insurance Terms Explained (2024)

For insurance companies, there are two ways to stop providing coverage on your insurance policy. The first method is to cancel the policy, and the second is to decide not to renew it. The difference between these methods is as big as the difference between night and day, and how much trouble you will have getting replacement insurance will depend on which method was used to end your current coverage.

For insurance companies, there are two ways to stop providin...

6 Largest Insurance ClaimsPost

6 Largest Insurance Claims

If the risks are manageable, insurance companies will write coverage for almost anything. Sometimes, even when the risks have carefully weighed, a claim is made that hits the record books. Here is a short list of the 6 most expensive insurance claims ever filed, which will certainly make any claims you've filed yourself pale by comparison.

If the risks are manageable, insurance companies will write ...

Can you switch car insurance companies when you have an open claim?Post

Can you switch car insurance companies when you have an open claim?

You have the right to switch insurance companies any time you want. Even if you have an open claim with another insurance company, you can elect to switch your coverage. Keep in mind that your current claim will not transfer to the new insurance company, though, and your old insurer will still be the one that handles the claim until it is either settled or completely denied coverage.

You have the right to switch insurance companies any time yo...

Standard and Poor’s (S&P) Insurance Company Ratings ExplainedPost

Standard and Poor’s (S&P) Insurance Company Ratings Explained

Standard & Poor's Company provides ratings for insurance companies to help you choose the best company for your needs and avoid potential losses if the company you purchase a policy from should become insolvent. Standard and Poor's ratings cannot prevent bad things from happening as a result of your insurance choices, but they can at least give you some insight to help make a better, more informed decision. To insure their ratings are accurate and trustworthy, the Standard and Poor's ratings are designated by a team of financial analysts who look at a range of credit criteria before issuing a rating.

Standard & Poor's Company provides ratings for insu...

J.D. Power and Associates Insurance Company Ratings ExplainedPost

J.D. Power and Associates Insurance Company Ratings Explained

Founded in 1968 by James David Power, JD Power and Associates is a consumer ratings company which provides product, service, and overall company ratings in fields ranging from automobiles to travel. Rather than performing independent surveys, JD Power and Associates accumulate consumer reviews and ratings, organized into facets describing the rating. For example, the JD Power and Associates page for insurance company ratings provides 4 categories or ratings, plus a fifth category for the overall score.

Founded in 1968 by James David Power, JD Power and Associate...

Moody’s Insurance Company Ratings ExplainedPost

Moody’s Insurance Company Ratings Explained

Before purchasing insurance, it is a good idea to check the ratings of the company to find out how it fares. That is where a ratings company like Moody's comes in, providing you with a simple scale to illustrate how well the company you are interested in is doing. Armed with that information, the consumer is able to make better informed decisions, and to be prepared for what they are signing themselves up for.

Before purchasing insurance, it is a good idea to check the ...

Your Insurance Agent’s Role in the Claims Process (2024)Post

Your Insurance Agent’s Role in the Claims Process (2024)

The role played by your insurance agent will be different from one company to another, and could differ dramatically if you are purchasing coverage through an independent agent. If you have to file an insurance claim, contacting your agent is important to keep them apprised of the situation, but there may be a different contact with the insurance provider that will actually handle the claims process.

The role played by your insurance agent will be different fr...

Fitch Insurance Company Ratings ExplainedPost

Fitch Insurance Company Ratings Explained

Fitch's financial sector ratings are performed by a staff of trained analysts who review each company on several factors including the ability to meet commitments such as interest and dividend payments, the company's ability to withstand a major surge in claims, and how well the company has performed economically. Ratings are performed regularly and may be adjusted any time there is any major financial activity with the company.

Fitch's financial sector ratings are performed by a staff of...

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