Personal Insurance

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Differences Between Insurance & Re-Insurance

surance and reinsurance are both financial protection against the possibility of losses. While they are similar in concept, they are quite different in terms of how they are used and who uses them. You purchase insurance to protect against possible property losses. Who protects ...

Are Health Insurance Benefits Considered Income by the IRS?

alth insurance is not taxable income, even if your employer pays for it. Under the Affordable Care Act, the amount your employer spends on your premiums appears on your W-2s, but it still isn't income. When you receive benefits from your insurance policy, however, they may be ...

Can You Cancel Health Insurance When It Is Not Open Enrollment?

ere are big financial advantages to purchasing health insurance through an employer: No matter how big or small the contribution your employer makes to cover the cost, group rates are usually cheaper than those you can obtain yourself, and your share of the cost lowers your ...

Does Gap Coverage Pay If Insurance Denies the Claim?

e more expensive a vehicle and the less equity you have in it the more you can benefit from guaranteed asset protection insurance. Although the focus of GAP insurance is on your vehicle and not you, its overall objective – paying off your loan -- makes it similar in some ...

Do You Have to Be Married to Share Health Insurance?

ile health insurance can be expensive, the cost of being uninsured is often much higher. The American College of Physicians estimates that the uninsured pay an extra $1,600 to $3,300 every year. Most employer health plans offer family plans that cover spouses and children, but ...

What Is a Reciprocal Insurance Company?

naging risk is an important component of life, and insurance is a common way to mitigate many types of risk and loss. Traditional insurance companies are typically organized around two common profit-based business structures. However, there is a third type, called a reciprocal ...

Does Major Dental Work Count as a Deduction for Income Tax?

jor dental work such as braces and dental surgery can cost thousands of dollars. Even routine visits to the dentist can get pricey. The Internal Revenue Service considers dental care costs a medical expense. However, that does not automatically mean major dental work will count ...

How do I Find the Expiration Date for a BCBS PPO Health Insurance Policy?

BS, or Blue Cross Blue Shield, licenses independent health insurers to operate under its brand selling individual and group policies. When offered by your employer as a group policy, the benefit automatically renews unless you decline it during the annual enrollment period. If ...

What Is a Retroactive Date in Insurance?

pending on the nature of your work, it may be beneficial for you to carry professional liability insurance. Largely due to changes that occurred in the insurance industry during the 1980s, most professional liability insurance contracts are now claims-made policies. If your ...

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