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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

Do you have a life insurance policy? How much do you manage and update it? Life happens, and change is constant. Often, we obtain a life insurance policy and forget about it. Not managing the policy may pose more danger to your dependents than expected. Regardless of the types of life insurance, updating your policyRead more

Most times, landlords or building owners drive their personal vehicles for business or to haul materials for their investment property. Some might even purchase a truck to use it for both personal and business purposes. This leads to questions about insurance types that landlords should consider when dealing with automobiles and their business. The followingRead more

With the ever-rising cost of medical services, health insurance is necessary for medical emergencies to cover hospital bills and other costs. Generally, health insurance covers some basic medical needs and is less accommodating of others. Let’s take a look at general health insurance services and the common exclusions. Here are some of the common coveredRead more

Car insurance helps protect against sudden repair costs for your vehicle after it has been involved in an accident, vandalism, or theft. It also covers medical expenses to treat injuries sustained due to the accident for persons in the car at the time of the accident and the passengers in the colliding vehicle. Like otherRead more

Imagine coming home from work or vacation to find your home empty, with all your valuable possession stolen! Well, while this occurrence can be extremely stressful, filing a renters insurance claim can help you recover either a part or the whole amount of your loss. Renters insurance protects you from suffering severe losses when yourRead more

The holidays are generally a festive season. They allow you to spend time with your loved ones and reflect on how the year has transpired. However, due to the ongoing coronavirus pandemic, celebrating holidays has become a lot more complicated. While this is a trying time for so many people, it doesn’t mean that youRead more