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Should You Have Higher Deductibles On Your Coverage?


What is a deductible? A deductible is the amount you pay before your insurance carrier pays any claim. Insurance companies offer deductibles on certain coverage in insurance policies as a method of sharing risk with the people they insure. Insurers believe that if you, the insured, share some of the risk you will likely be more careful and try to minimize the possibility of a claim. Since you, the insured, pay your share before the company is liable for their share, smaller potential claims are often avoided.

Travel Insurance Pre-Existing Conditions Coverage - How It Works


What is a Pre-Existing Medical Condition?

Tips for Buying a New Home


My wife and I recently purchased a new home in Tennessee. Here are some helpful hints we picked up along the way:

Term Life Insurance Help


Life insurance can be a very scary thing. If you buy insurance when you're 30, but don't die until you're 90, chances are you're going to come out on the loosing end of insurance. However, what if you can't afford expensive life insurance like whole life insurance, what are your options?

Is an HSA a Type of Insurance?


A Health Savings Account (HSA) is not a type of health insurance. But that's an easy mistake to make!

Does an HSA Cover Alternative Medicine?


A Health Savings Account (HSA) does not really cover alternative medicine. However, there is a bit more to it.

What Type of Doctor Should I See Under My HSA?


You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.

What Should I Do About Billing Problems When Using HSA Money?


If you run into a billing problem or misunderstanding with a hospital or doctor?s office for which you're planning to use money from your Health Savings Account (HSA), you could be in trouble.

How Will an HSA Save Me Money?


The Health Savings Account (HSA) is a tool to help you save money on health insurance. But how does it do that?

Life Insurance Basics


One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die. Although we never like to think of that kind of thing happening, but it does.

Health Savings Account (HSA): Helpful for Older People?


The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.

The Importance of Travel Insurance


You've finally saved enough to go on that dream vacation you've been planning. Now you're wondering if you should buy travel insurance. Do I really need to go to the extra expense? All I can lose is my luggage, right?

The Great Value Of Accident Photographs


You were humming along on a bright and sunny day when suddenly Fred Fuddle, a local character from a nearby town, drunk as a skunk and zooming along in his pickup, flew through stop sign crashing into the right front of your motor vehicle. You had no choice to avoid him. Now the time has come to settle your claim for property damage and personal injuries. Let?s talk about photographs one of the basics that should have been taking place - - just as soon as possible - - after that impact had taken place.

Life Insurance: Who Needs It And How Much Do You Need?


Your friendly, neighborhood life insurance agent is most likely to answer this question with the word ?everybody.?

Health Savings Account (HSA): Useful for Women in Childbearing Years?


The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.

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