One of the common misunderstandings about life insurance policies is that they’re fairly generic. That is, they provide a basic death benefit in exchange for a specific premium. If that sounds kind of one-dimensional, that’s because it is. But it’s not the reality of life insurance today. Through the use of life insurance riders, you … Read more
Realizing that your car has been stolen is one of the most alarming things you can experience as a driver, whether your car is parked in your driveway or a busy parking lot. After likely standing there and panicking for a few minutes, the first thought in your head will probably be: what now? Quickly … Read more
When you’re financially strapped for cash, you start looking for money in any place you can find it. Believe it or not, your life insurance policy may give you access to cash…but it will come at a cost. Not all life insurance policies offer the ability to take money out. Even if they do, it … Read more
Many condo owners believe that their condo association insurance master plan takes care of everything – including their condo unit and personal liability coverage if your condo at some point becomes inhabitable. After all, you pay good money in HOA fees, why wouldn’t it? Well, think again. Yes, your condo association might have a master … Read more
If you’re considering going electric for your next car purchase, you’re probably already relishing in the idea of blasting past the gas station so you can charge up at home for free. While EVs are undeniably cheaper to “fill up,” so to speak, they’re also more expensive to insure. Insurance companies aren’t quite sure what … Read more
The medical exam may seem like the most intimidating aspect of buying life insurance, but it’s actually simpler and quicker than a typical doctor’s appointment. Contrary to some misconceptions, most insurance carriers won’t automatically deny you coverage for less-than-perfect health and lifestyle habits. Instead, they use the testing process to get an overall picture of … Read more
Visit any personal finance site and chances are, you’ll find an article on how buying life insurance young will save you money (we even have that article). So, you’ve finally decided to listen and get life insurance, BUT the next biggest question is: will I even qualify based on my health? For those who’ve never … Read more
Texting while driving is never a good idea. And that’s an understatement. While it can be tempting to reach for your phone to answer a text while you’re on the road, the reality is that distracted driving can result in accidents, injuries, and even death. If you are caught, you could find yourself with a … Read more
Getting insurance seems like a no-brainer. Medical insurance, more often than not, saves you money in the short and long term. If your monthly premium is high, you’ll pay a lower deductible, and vice versa. Dental insurance works a little differently. There are pros and cons to purchasing a dental policy, either from your employer … Read more
A few months ago, I was (ironically) on my way to an auto parts store when I was cut off by a limousine, of all things. Sadly, my tiny little Miata couldn’t stop in time: Happily, everyone was OK and the limo wasn’t full of teens who wouldn’t make it to prom. Atlanta PD officially … Read more