When Should You Buy Life Insurance?

Life insurance is designed to protect your loved ones from an economical loss resulting from the unexpected death of an earning member. In other words, if you have loved ones or are likely to have loved ones who are financially dependent on you, life insurance is not something you should put aside. Life insurance is one of the most practical ways of saying how much you love and care for your family and they’re likely to remember you long after you’re gone. Take for instance the story of Mary ...
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A Closer Look at Auto Insurance Discounts

There are a plethora of discounts offered by insurance companies. In many cases these discounts can save shoppers hundreds on auto and home insurance. However, there are certain occasions where it may be best to avoid buying a policy that entices you with a discount. Two Car Policy Discount You would think this discount is a given. Yes we have two vehicles in our household – why wouldn’t we insure them with the same company? In most cases you’re right. However, in some cases insurin...
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What College Students and Their Parents Should Know About Insurance

What do college students think about? Parties, having a good time, the opposite sex, financial aid, grades, and selecting a major. Most college students don't take the time to think about insurance. However, college students living away from home may not be covered by their parents' auto, property, or health insurance. Let's take a look at some insurance tips that college students should at least think about. Rental Insurance Your parents' home insurance probably does not cover your off-ca...
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5 Ways to Save Money on Car Insurance

When looking for car insurance, there are many things that can be done to save money. Trying to cut back on many bills and expenses is normal and should be done. Everybody is looking to save money, and one place to start can be your car insurance. Below are five ways in which you can save money on car insurance. 1. Ask Your Insurance Agent about Discounts Sometimes the agent will not inform you or give you all the discounts that you and your family may qualify for. Be sure to research the ma...
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Whole Life Insurance Guide

For many years, the only type of life insurance that could be purchased was term life insurance. But then actuaries came up with the idea of whole life insurance. Also known as cash value or permanent insurance, whole life differs from term insurance because it was designed to cover policyholders throughout their entire life, not just a temporary span of time. Today, more than 70 percent of the insurance policies that are sold are cash value policies. It is important to note, however, that w...
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Should You Buy Renters Insurance?

Owning a home is nice, but many people can't qualify for a mortgage or have insufficient means to purchase a house. For those who either are unable to purchase a home or simply choose not to, the alternative housing solution is to rent a house or apartment. When you own a house and have a mortgage, you are required to purchase homeowners insurance that will protect you from damage to your home, liability and loss or damage to personal property. As a renter, you have no reason to buy an all en...
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Credit Card Insurance: Smart Choice or Not?

As we all know, credit card companies are notorious for nickeling and diming us with fees and add-on services. This is especially true now that the credit card reform is in full effect… since they can no longer hike our APR out of the blue, they’re seeking other avenues to make their money. Besides credit monitoring subscriptions, the most common add-on for them to peddle is credit card insurance. Should you buy it or not? What are the benefits? Well here’s a brief overview of the typical be...
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Drive Your Way To Cheaper Car Insurance

In today’s highly mobile society, most everyone needs to have a car to get around at one’s own time and convenience. It goes without saying that car insurance is needed by anyone who wants to drive around with some degree of peace of mind. The key point is to keep car insurance expenses to a minimum. You do not need to kill your chances of having some money left for other car expenses like gas, parking fees, and car maintenance and other living expenses as well. Cheaper car insurance can be ...
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Home Owner Insurance

Are you worried that your house might get ruined or something? Let’s just say something came up and accidentally your properties were all lost or destroyed for some reasons and we all know that it cost a fortune for you to be able to rebuild your house again. Now what do you think is the best way that you can do to lessen the worry about losing the home that you have earned for years. It’s the home owner insurance that you can use to be assured that the house that you have built and work hard...
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