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With all of the concerns about germs lately, it’s important to know how to keep your family safe when they are out in public. With a little common sense and the right tools, you can minimize your family’s exposure to germs daily. It only takes a few minutes to accomplish many of these tasks, soRead more

Cash-value life insurance can increase the overall value of your policy, depending on how you use the cash portion. Life insurance policies that include a cash value policy will allow you to build equity in your policy either through investments or by saving part of the premiums. Once you have built up enough equity, thereRead more

Many people opt to purchase life insurance from their employer because the money is taken out of their paycheck, and they won’t miss it. It also will remain in place for as long as they are on the job. The problem is this type of policy may not provide the level of coverage you need.Read more

Accidents can happen at any point while you are on the road, and auto insurance helps protect you in these situations. If you are involved in a serious accident with someone who does not have coverage, you may be unaware of how the process goes. Common state laws prevent uninsured motorist insurance from covering punitiveRead more

Purchasing your first car is an exciting time. However, you have to do some research before walking into the dealership. Inexperienced buyers often find less than ideal terms on their car. These tips will help ensure that you remain comfortable financially while enjoying your vehicle. Create a Budget Before you start shopping around, make sureRead more

Research shows that health insurance costs continue to rise. That has caused many families to endure financial strain. If you are looking for ways to save money while maintaining your health benefits, consider these tips. Reducing Medicine Costs If you are starting to feel overwhelmed by the cost of your medicine, consider switching to aRead more

Life insurance is a legal agreement between a policyholder and an insurer. The insurer agrees to pay a cash benefit to the named beneficiary in the policy at the policyholder’s death. However, most policyholders don’t know that there are certain situations when insurers may not want to pay out death benefits to beneficiaries. What situationsRead more

The average cost of homeowners’ insurance is $1,312 annually. This might not look much until certain factors – both reasonable and surprising ones begin to act on it. These factors are used in determining your risk profile. In other words, it tells how likely you are to file a claim. When these factors are weighed,Read more

Many businesses rely on methods of transportation to complete service. Commercial auto insurance is a safety net if you are the owner of a business and use vehicles to help complete tasks. Commercial auto insurance is a distinct type of coverage that protects any vehicle used to complete business-related tasks. You can adjust the coverageRead more

When you experience an event that damages your home or personal possessions, it’s important to know that you have sufficient coverage. Without it, you are responsible for covering the damages on your own, including any accidents that may occur on your property. It may be difficult for you to estimate the value of your homeRead more