Insurance

Joint Life Insurance: Everything You Need To Know

Life insurance becomes necessary once you are married and ready to have children. While most people buy an individual life insurance policy, which only pays a death benefit if the policyholder dies, a couple has another option: Instead of buying separate individual policies, joint life insurance might be an excellent option for you. What is ... More

Collision Insurance? Here’s How It Works

Collision insurance is an optional coverage that can help you pay for damage to your car if you're in an accident. However, the coverage typically comes with a deductible and limits. Therefore, It's essential to understand the details of your policy before you buy to ensure you get the right protection. How Does It Work? When buying ... More

Construction Insurance: Who Needs It?

The construction industry is full of risks. Therefore, you must insure your construction company to manage the risk associated with your profession and transfer that risk to your insurers. Construction insurance is about protecting yourself and your employees and making it possible for you to make a living. With the right contractor's ... More

Do I Need A Dental Insurance Plan?

Your oral health can be a major factor in your overall health, but still, many don’t have dental insurance because they can’t justify the cost of what they think is elective insurance. Health insurance doesn’t cover most dental services. So, you will have to pay out of pocket if you develop dental or oral issues, either from not ... More

Non-Owner Car Insurance Policy

Many believe they don't need a car insurance policy because they don't own a vehicle. However, if you occasionally drive rental vehicles, borrow friends' cars, or want to avoid a costly insurance lapse, you might consider buying a non-owner car insurance policy. What Is Non-Owner Car Insurance? This policy provides liability coverage for ... More

What Is Rebating In Insurance?

In insurance, rebating is when an insurance agent offers to pay part of their commissions to a policyholder as an incentive to buy from them. Rebating can be done in several ways, including discounts on future premiums, cash back, or refunds.  Is Rebating In Insurance Legal? The answer to this question depends on the state you reside. ... More

What Type Of Car Insurance Policy Do Rideshare Drivers Need?

You need to invest in rideshare auto insurance if you drive for a rideshare company like Uber or Lyft. As a rideshare driver, you need rideshare auto insurance to cover your job and protect yourself where your personal auto insurance plans cannot. In addition, because you use your car to carry out a paid service, you need commercial or ... More

What’s The Difference Between Medicare AEP Vs. Medicare OEP?

Medicare enrollment periods allow you to decide on your health coverage for the upcoming year. However, several different enrollment periods will enable you to do different things. Here, we'll look at Medicare AEP (Medicare Annual Enrollment Period) vs. Medicare OEP (Medicare Advantage Open Enrollment Period). What Is AEP? The Medicare AEP ... More

Car Insurance Surcharge

You may spot a surcharge in your premium if you check your car insurance document. While insurance rates are likely to increase after a surcharge, you can alleviate some stress by familiarizing yourself with your insurer's policies. Here, we'll go through the car insurance surcharge. What Is A Car Insurance Surcharge? A car insurance ... More

Things You Need to Know About Modified Life Insurance

If you have health issues and find it challenging to qualify for a life insurance policy, then modified life insurance has covered you. Modified life insurance, also referred to as guaranteed life insurance, is a feasible option for you. Anyone can qualify for a modified life insurance policy because it doesn't require a medical exam. What ... More