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If you’re self-employed or a small-business owner and the nature of your job requires the use of a vehicle, it is a smart choice to take out commercial auto insurance. The coverage of this policy depends on the specifications of your business. Your policy can include damage to your car, damage to other people’s property,Read more

Life insurance is a policy where the provider is obligated to pay a sum of money to the listed beneficiaries after the policyholder’s death. The policyholder makes periodic payments known as premiums to the insurance company continuously until his death. Life insurance can offer whole or term coverage. Whole-life insurance covers the entire life ofRead more

In the present age, cars have become more of a need than a luxury. Many of us depend on cars to go to work, go to school, run errands, and perform many other activities. There is no denying that taking care of your vehicle is of utmost importance if you want to ensure that yourRead more

Many homeowners tend to overlook mortgage life insurance, but it helps ensure that your family will not be evicted in the event of your passing away. This policy serves as financial security because it offers enough coverage to pay off your debt. Insurance providers tend to favor homeowners with limited medical issues by providing themRead more

Although health insurance has always been available, most people didn’t value its importance until the COVID-19 pandemic. The pandemic has undoubtedly led to a surge in demand for health insurance. Not only do the health insurance plans cover medical expenses, but they also provide financial assistance to cover medical emergencies, thus protecting your savings. HowRead more

What Is Renters Insurance? Unlike homeowners insurance, which has a dwelling or structural coverage, renters insurance is a policy that protects the renters from taxing, over-budgeted expenses in the event of unexpected occurrences like fire or robbery. What Does It Cover? Renters insurance policies cover expenses such as the replacement of personal property, loss ofRead more

The penalty for not carrying health insurance is quite debatable. Before 2018, an individual mandate known as the ‘shared responsibility provision’ in the Affordable Care Act imposed a penalty on those without health insurance. This was a necessity because for health insurance to work, there must be a good balance between low-cost enrollees and high-costRead more

Employers often have a life insurance policy for their staff. Sadly, what is obtainable in your work-supplied policy often isn’t enough to support your family for a long time. Staff is entitled to a fixed amount without any extra cash bonuses (compared to a personal plan). Usually, this fixed amount is 1-3 times your salary.Read more

If you want your vehicle to last, it’s essential to stay up to date on all of the scheduled maintenance appointments. While this won’t reduce your monthly auto insurance premiums, it will show that you are taking responsibility for your vehicle. Little things like changing the oil and checking the fluids regularly will maintain yourRead more

Buying life insurance doesn’t have to break your bank account. There are many ways you can make your life insurance more affordable. Do a little research before you buy and you can get the type of coverage you are looking for at a rate that will fit into your budget. Working with your insurance agentRead more