What Are The Benefits And Drawbacks Of Indexed Universal Life Insurance?

Posted on: 19 September 2022

Indexed universal life insurance, or IUL policies, can help you build up your wealth profile while also leaving behind death benefits for your beneficiaries. The policy will place a part of your premium payment in a renewable term life insurance policy. The remainder is added to the cash value of your policy, minus any fees. Over time, the value of the cash is credited with the interest made on these increases in what is called an equity index. [Read More]

Insuring Your Vehicle With Comprehensive Coverage

Posted on: 5 August 2022

Properly insuring your vehicle can be a necessary step for safely operating the vehicle. Unfortunately, individuals may make the error of only choosing an insurance policy that will provide limited or insufficient coverage for the level of risk that they assume when operating these vehicles. In particular, comprehensive policies can offer protection against various significant threats. Protection Against Uninsured Drivers Being involved in an accident with an uninsured driver can be a serious problem as a person could find it very difficult to recover compensation for their financial losses. [Read More]

How Your Job Affects Your Car Insurance

Posted on: 29 June 2022

Auto insurance coverage and rates are all about risks. High-risk drivers pay higher rates than low-risk drivers. Thus, anything that affects your risk designation affects the coverage you need and the rates you pay. For example, your job, occupation, or work can affect your car insurance. Below are several ways the effects might arise. Annual Mileage Insurance companies consider your annual mileage in rate calculation because it affects your risk of an accident. [Read More]

The Struggles Of The Self Employed: What You Need To Know About Qualifying For Group Health Insurance

Posted on: 16 May 2022

Many self-employed individuals assume that they will not qualify for group health insurance plans because they do not work for a traditional employer who offers these plans as part of a benefits package. Consequently, self-employed individuals commonly struggle with the task of finding affordable health insurance. If you have found yourself dealing with this same struggle, you should know that the assumption that you will not qualify for group health insurance rates may not be correct. [Read More]