What Is a Viatical Settlement?

Life insurance policies have present cash value to policy owners. Learn more about cashing out.

Critical Illness Insurance - Of Critical Importance

Apparently irrelevant illnesses, often very minor in nature, can show up in your medical history. Make sure these are disclosed, or your critical illness insurance could be invalid.

A Buy Sell Agreement Can Make A Big Difference

One of the most powerful business tools is a buy sell agreement. The proper use of this document can have a direct and dramatic effect on the security of your business.

Property Insurance

Property insurance is a contract in which the insurer promises to pay for disaster recovery in exchange for a monthly fee. Having property insurance means that you have protection against fires, theft and some weather damage to your property. Your property is insured in one of two ways - open perils and named perils. Open perils cover causes of loss that are not specifically excluded in your policy like damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the cause of the loss to be listed in the policy or it's not covered. This includes damages like fires, lightning, explosions and theft. In most states, most lenders require that you have homeowners insurance.

Rental Property Insurance

Most landlords have insurance on the property they rent, but the people who are renting can and probably should have renter's insurance to protect their property. This type of insurance covers items that are inside a rented property. In simple terms, while the landlord may have insurance for damages to his building, he or she probably does not have coverage for the valuables you have in your rental unit. In the event something happened to the landlord's building and you were displaced for a time, the renter's insurance would also pay for your stay. This type of insurance is also very handy for tenant liability problems. If the tenant is supposed to maintain the property but does not and someone is injured on the premises, it is the tenant and not the landlord who may be liable for this problem. If the renter had insurance, the claim would be covered as long as the tenant is the one responsible for maintaining the area.

Be A Smart Insurance Consumer

What you need to know about your insurance company.

Help On The Way for Florida's Insurance Crisis

Homeowner's insurance is becoming a problem in Florida, rising costs, inability to get insurance. But there's some good news on the way.

Health Care Insurance Quotes

Health care insurance allows a person to claim medical costs incurred due to sickness or accidents from an insurance company, a private organization or a government agency. However, to find the right health care insurance policy can be a tedious task. It is advisable to do a research on insurance quotes before investing in a plan.

Insurance Quotes

Do you ever feel confused about which insurance plan is good for you? If you do feel like this, then go out and do your assignment. Ask for insurance quotes from all those insurance companies that offer you their service.

How to Customise Your Motorcycle Insurance!

Everyone wants the best insurance premium! So how do you go about getting it? Because motorcycle insurance has always been a high-risk, premiums are calculated differently to that of a car. Knowing these factors can help you customise your insurance. Lets take a look at a few of the factors that influence your premiums...

Trip Insurance

When you are going to travel – whether for a relaxing vacation to a lazy island resort or for an important business trip to clinch a deal – it is wise to plan ahead.

Temporary Major Medical Insurance

Short term or temporary major medical insurance is an ideal, affordable type of medical insurance for those who are unemployed, in between jobs, recent college graduates, in need of medical coverage. Temporary major medical insurance plans are available with a variety of options. Individuals opting for this plan are mostly allowed to select doctors and hospitals of their own choice.

Breathing Room -- Protection against Invisible Work Hazards

There are some jobs that you know are high risk: firefighting, construction work, military service. What people don't realize is that some jobs can put you at risk for microscopic toxic substances that damage the respiratory system, silently yet steadily, and by the time you've discovered that you're sick, you're already been diagnosed with lung cancer.

Private Medical Insurance: Experimental Treatments Could Now Be Covered

Traditionally, private medical insurance companies would not cover what they deemed to be 'experimental' treatments - but it looks that will be changing, as this article explains.

How to Reduce Your Hospital Bills

As more people get high-deductible health insurance plans in conjunction with a health savings account, they are paying more attention to the fees they are being charged. Savvy consumers are discovering a wide range of prices among various providers, and many ways to reduce their hospital bills and avoid over-charges.