Insurance

Term Insurance vs. Whole Life

Term Insurance vs. Whole Life

Term insurance (temporary insurance) has the lowest initial premium but the highest long-term cost because premiums increase over time and your beneficiaries are highly unlikely to ever collect any payout from it. Premium payment terms are very inflexible and you...

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The Right Types of Insurance

The Right Types of Insurance

Have you ever felt like you were over-insured? No one wants to waste money on unnecessary insurance premiums because every dollar wasted is a dollar that could have been invested or spent on something a lot more exciting than insurance. On the other hand, not having...

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Medical Insurance

Medical Insurance

At the time of this writing, our country is going through a major health care crisis. For many years it has been common for employers to provide medical insurance to their employees at no cost or very little cost. However, since medical insurance premiums have...

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Homeowners Insurance

Homeowners Insurance

Be sure your home is insured for full replacement cost, but no more. You should periodically ask your agent to complete an updated replacement cost estimate to determine whether your coverage needs to be adjusted. Keep in mind that your home may need to be insured for...

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Auto Insurance

Auto Insurance

When it comes to auto insurance, liability limits are the biggest priority. I normally recommend the highest available liability limits, which are typically $250,000/500,000/100,000, and the highest available deductible, which is usually $1,000. If your liability...

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