Avoiding PMI – Private Mortgage Insurance

PMI – a recurring, monthly, unwelcome guest. It sounds similar to and is about as welcomed as a similar acronym. PMI is private mortgage insurance. This insurance policy is paid for by the homebuyer when the amount of their primary mortgage is greater than 80% of the value of the property. You will note that the term “primary mortgage” was used. This is for a specific reason. It is not the total of all mortgages and home […]

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Can bad credit negatively impact your auto insurance rate?

Believe it or not whether you pay your bills on time can make a hefty difference in your car insurance premiums. The adage of an experienced home contractor was that “If the yard is neat you will have no trouble being paid. If the yard is messy then you will have trouble being paid for the home repair job. It seemed in this case that a neat lawn showed an organized person who could asses priorities and […]

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Adding more value to your Auto Insurance Policy

One morning a friend of mine was running late for class at school. His wife was throwing together some kind of breakfast while he gathered his laptop, notebook, and picked out the books he was going to need for school that day. He zipped up his pack and ran outside to warm the car up. Except, there was no car. It had been stolen. My friend ran into one disappointment after another that week as he first […]

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Life Insurance 101 Explained

While most of us do not like to think of the subject of our own death, the fact of the matter is that death is a part of life and in order to protect our families we need to give some thought to the subject of life insurance. The more you understand about life insurance the better you can prepare not only for your final expenses and protect your family. First, understand there are different types of […]

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Affordable Student Health Insurance – How To Get Student Health Insurance Cheap

Are you one of the many college or university students who plan to travel and study abroad during an upcoming semester? If so, you need to consider purchasing overseas student health insurance. Overseas student health insurance can be affordable and cheap, especially when compared to medical costs you would have to pay out of your own pocket if you were to get sick or injured while studying in another country. Students who plan to study abroad can […]

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Affordable Health Insurance In Michigan

If you are having trouble finding affordable health insurance in Michigan, you may want to look into enrolling in a discount health care plan. Discount health care plans are not health insurance plans; health insurance companies do not normally offer discount health care plans. Rather, discount health care plans are offered by businesses specializing in the insurance industry to plan members for a monthly or annual fee. These businesses have contracts with certain health care providers who […]

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7 Easy Ways To Slash Your Auto Insurance Costs

Here’s 7 easy ways to get the best possible auto insurance deal. Multiple Quotes Get multiple quotes – use the internet and call a few brokers. It’s easy to gather some good comparison quotes. Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet. Cheapest might not mean best. Will they pay out if you make […]

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Boomers Need to Address Long-Term Care Needs

A new study by the American Council of Life Insurers (ACLI) shows that baby boomers need to pay attention to the very real possibility they may need long-term care. The reason: escalating long-term care costs. “Long-Term Care Insurance or Medicaid: Who Will Pay for Baby Boomers’ Long-Term Care?” sounds the alarm on a potential national long-term care crisis. More important, it is a call to action for individuals to include long-term care in their retirement planning, said […]

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3 Warnings Before Switching Auto Insurance Companies

We’ve all been bombarded with ads, emails, commercials, and billboards saying how much we can save on our auto insurance by switching to another company. It’s a competitive industry. Just because another company is offering a better rate doesn’t mean you should rush to call and cancel your insurance and switch. There are a few things you need to make sure of before you do. Here are a few things to watch out for before you switch […]

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Buying life insurance: A Shopping Checklist

When shopping for term life insurance, you want to find the right amount of insurance coverage at a reasonable price with a company you can trust. But for many people, getting started is the hardest part. That’s where the following Life Insurance Checklist can help. What you would like your policy to achieve? Ask yourself what it is you want your life insurance to do. For example, do you want to have insurance coverage that will: • […]

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