Personal Insurance

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What Is an 80/20 Insurance Policy?

alth insurance is a necessity for anyone looking to control his out-of-pocket medical expenses and safeguard against unexpected health costs. The hallmark of the health insurance system is cost sharing between the insured and the insurer. A traditional way this is done is ...

If I Have an Accident is the Insurance Settlement Paid in One Lump Sum?

jured people and their attorneys frequently ask insurance companies to settle claims and lawsuits arising from car accidents. The insurance companies employ claims adjusters to review the claims and determine what settlement offers should be made. Settlement offers may include ...

How to Add a New Spouse as a Dependent for Medical Insurance

ce the buzz of the wedding and the fun of the honeymoon have worn off, you have to deal with all the paperwork involved in combining households with a new spouse. This could include adding your new spouse as a dependent on your medical insurance policy. While most insurers only ...

Adding Coverage to an Existing Car Insurance Policy

viewing your car insurance policy at least once a year and adding coverage as necessary is a key part of financial planning. A thorough review starts by making sure your policy has adequate basic coverage and that all drivers in your household are protected. The next step is to ...

The Best Auto Insurance for the Retired

e best auto insurance for retired people is similar to the best auto insurance for people who are still working. It's the coverage that suits the driver's needs at the lowest possible cost. While retirement doesn't, in and of itself, change the nature of car insurance, the ...

Are Automobile Insurance Proceeds Taxable?

you've just seen your car totaled, it may be some small comfort to know your insurance check isn't going to add to your taxes. Health, homeowners and car insurance payouts aren't income. Instead, tax law treats them as compensation for the loss of property or reimbursement for ...

The Average Premiums for High-Deductible Health Insurance

healthcare costs continue to rise, high-deductible health plans have moved from novelty to mainstream. According to the trade group America's Health Insurance Plans, participation in a high-deductible plan increased by 1.4 million in just one year. The trend is likely to ...

How to Avoid Being Ripped Off When Buying Health Insurance

ether you're in the enviable position of choosing between health insurance plans at work or have the less-than-enviable task of buying your own health insurance, it can be easy to be overwhelmed by your options. Understanding how you will use your health insurance and what you ...

What Are the Benefits of Conversion From a Mutual to a Stock Insurance Company?

e financial services sector is intensely competitive, and even the strongest of companies must adapt to changing circumstances if they're going to thrive. For example, many mutual insurance companies choose to convert their ownership structure into a stock-based structure, ...

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