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Category Archives: Insurance
Life Insurance Basics
Term or Perm Insurance, Whats The Difference? There are many types of life insurance including; Whole Life, Universal Life, Indexed Universal Life, Variable Life and Term Life: Whole life: You generally make level (equal) premium payments for life. The death … Continue reading
Why does homeowners insurance go up?
Many homeowners’ policies have a provision that adjusts the amount of coverage each year to reflect the increases in cost of construction. This will add about 3% to the premium each year. Your home ages by one year every year. … Continue reading
Ask Robert J Russell – Annuities
Question: Does Wells Fargo have Annuities? Answer: Wells Fargo bank refers their business in annuities to many Life Insurance companies and agencies. So you are not directly purchasing an annuity insurance contract from them directly. Just like their insurance companies … Continue reading
Is It legal to Keep A Car On The Road Without Insurance?
Not legally if your state requires auto insurance coverage for all licensed drivers. If you own a vehicle and do not have auto insurance and operate that vehicle without coverage you open yourself up to potential fines and/or suspensions. You … Continue reading
Unum Completes Purchase of Starmount Life, AlwaysCare
Starmount Life Insurance Company and sister company AlwaysCare Benefits have announced that both are now part of Unum, a leading nationwide provider of financial protection benefits at work, including disability, life and supplemental health products. An ideal fit for Unum, … Continue reading
Questions and Answers about Health Benefits
Legislative changes continue to markedly affect the health benefits marketplace. Employers and their workers face challenges on a number of fronts. Along with those challenges come questions that range from current and future requirements of health care reform, to providing … Continue reading
2015 Top Property and Casualty Companies
Here’s a look at the leading writers in 11 key property and casualty lines in 2015, based on data provided by SNL Financial, an offering of S&P Global Market Intelligence. The data shown here is derived from all U.S. companies … Continue reading
How do Interest Rates Affect Annuities?
Most companies will offer several interest strategies on an annuity, and those can be dependent upon market fluctuations, or contractual stipulations. They can change daily. Other annuities will have set interest rates that may change monthly, or may remain the … Continue reading
Can a person sell a car without Insurance?
You can often sell a car without insurance. However, the vehicle should satisfy all of your state liability requirements, which may include taking the license off the vehicle and, of course,not driving it. You should make the buyer aware that … Continue reading
Consider more than just the quotes….
Most of the people don’t give much attention to all the aspects while buying an individual insurance policy. Mostly we look at the monthly premium that we have to shell out of our pocket and the deductibles. Not many think … Continue reading
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