It was not too long ago when contracts were made on a handshake and a promise. Individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage. For a variety of reasons, including an increase in the speed and cost of auto […]

When you first buy a home, you may become overwhelmed by all of the extra costs you never thought about having. One of those costs may be home insurance coverage. Young homebuyers may not see the need for such costly insurance, but anyone who has used their home insurance knows exactly how important it is. […]

You need to know about your variable annuity contract before you exchange it. When you own a variable annuity contract a broker may put a temptation to offer you an opportunity to exchange your contract for another one. Should you consider this? Maybe, but it may not be in your best interest.
The problem with exchanging […]

The Life Settlement market is all about providing due access to needed cash from existing life insurance.
This so-called free market referred to as the life insurance industry’s secondary market is based on a central premise, namely that the value of life insurance is best determined by independent market forces and has been validated in recent […]

You have just spent a lot of money buying a property - either it is your home and you are going to work overseas for a while or in a different part of the country. It might be an investment property a “buy - to let” or a buy to let via a SIPPs Property […]

For over 30 years I have been representing injured workers in workers compensation proceedings and there are some basic errors that injured workers make time and time again.
First, it is common for injured workers to ignore a serious injury for a day or even for a couple of days. This can be a serious […]

Mortgage Insurance. You graduate high school and you
enter college. You put in four years of intensive study and you
graduate. You find a job that is just perfect for you. You
reward yourself for your achievement by splurging a bit. Now it
is time to put your nose to th grindstone and do some serious
saving because you want […]

Most HMOs require you to select a specific doctor as your
primary-care physician. This doctor is supposed to be your first
“port-of-call” for most any medical condition, although
exceptions are typically made for emergencies. As such, he or
she will end up providing most of your medical care. Your choice
of specialists and hospitals is usually limited to those already
under […]

When it comes to purchasing life insurance, deciding which kind of policy to buy can be a challenge. But by learning about the characteristics of available life insurance policies and working together with an experienced life insurance agent, you’ll be able to choose the right policy to protect your loved ones.
Term Life Insurance
As the name […]

The constantly rising cost of insurance has forced many
employers to eliminate health insurance benefits for employees.
The percentage of companies offering health insurance dropped 3%
in 2004, to 60 percent. Most U.S. companies that do not offer
health care benefits cite rising costs as the determining
factor. Health insurance premiums rise from 9 to 11 percent or
more on an […]