Personal Insurance

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How Burial Insurance Policies Work

A burial insurance policy is actually a small whole life policy that builds a cash value over time, despite its name. Such a policy should not to be confused with funeral insurance products, with which a person prepays for his burial through a funeral home. Beneficiaries may use ...

Is It Worth Taking Vision Insurance?

Vision insurance helps to defray the cost of eye exams, glasses and, in some plans, contact lenses. It may also offer additional discounts, as well, although it doesn't usually cover diseases or eye injuries. Since it doesn't protect you against major unforeseen expenses, ...

What Is a Subsidy for Health Insurance?

According to the U.S. Census Bureau, 70.2 percent of American workers got insurance through their jobs, and 4.8 percent of them got it from a public health insurance program in 2010. All of them received some form of direct or indirect health insurance subsidy, or monetary ...

Is Marriage Counseling Covered by Health Insurance?

It’s not cheap to undergo marriage counseling, but for couples eager to save a marriage, this may be their only recourse. Also called couples counseling, this form of talk therapy helps partners “recognize and resolve conflicts and improve their relationships,” according to the ...

Does Insurance Cover Stem Cell Procedures for Treatment of Diseases?

Stem cell procedures have the potential to bring radical healing to people with autoimmune disorders, multiple sclerosis, certain types of cancer, heart disease and many other conditions. Those requiring such procedures, however, must find creative ways to pay for them. What ...

How Long Does an Accident Stay on Your Insurance?

Even an accident that doesn't leave you or your car seriously damaged can lead to your insurer upping your rates. It's not inevitable: Your insurer may overlook a minor accident if you have a history of safe driving. In many cases, though, your rates will go up, and they'll stay ...

The Best Auto Insurance for the Retired

The 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 ...

High Deductible Health Insurance Plans for Individuals

High deductible health insurance plans are exactly what their name describes -- they are health insurance plans where you have a relatively large out-of-pocket responsibility before your insurance will start to pay. Many HDHPs work with Health Savings Accounts that allow you to ...

What Is a Retroactive Date in Insurance?

Depending 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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