EINSURANCE Insurance Journal

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what to expect at your term life medical examEINSURANCE

How to Check a Life Insurance Company’s Financial Rating

Whether you’re considering whole life insurance or term life insurance, you’re looking at a commitment of anywhere from 10 to 30 years. And, since you’re probably buying life insurance to provide financial security for your spouse or dependents, you want
what to expect at your term life medical examEINSURANCE

Life Insurance with No Medical Exam

Before they’ll insure your life, most insurance carriers want to know whether you have any medical conditions or lifestyle behaviors that statistics say will shorten your life and increase the odds they’ll have to pay a death benefit sooner than they’d li
what to expect at your term life medical examEINSURANCE

Auto Insurance Quotes for Really Bad Drivers

Have you or your spouse been collecting moving violations like cat hair on black pants? Did one of you ignore the barrage of public service announcements and end up in jail for DUI? Did either of you smash up the family car or file lots of claims over the
what to expect at your term life medical examEINSURANCE

Facts about Guaranteed Issue Life Insurance

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There is one type of life insurance that just about anyone with a pulse can buy. Also known as guaranteed issue life insurance, the age of eligibility varies, but usually ranges from 50 to 80, although some states may allow you to sign up as young as 45 o
what to expect at your term life medical examEINSURANCE

Types of Term Life Insurance

Dollar for dollar, term life insurance is a great value with highly competitive offerings, so it pays to shop around. Depending on the carrier, there are even types of term life with no medical exam. When looking for term life insurance quotes online, h
what to expect at your term life medical examEINSURANCE

Avoiding Post-Disaster Homeowner Insurance Scams

You were smart. You carefully shopped for homeowners insurance quotes and, after comparing quotes, you made your decision based on factors other than price alone. You insured your home for every conceivable disaster your area is prone to. You didn’t try
what to expect at your term life medical examEINSURANCE

Flood Insurance and the National Flood Insurance Program

With what promises to be a winter of record-breaking snowfall we can look forward to a big thaw and the potential for major floods. Even if you don’t live in areas that get a lot of snow, heavy winter and spring rains can put you at risk. Flooding occurs
what to expect at your term life medical examEINSURANCE

Cut Costs with These Homeowner Insurance Discounts

Strapped for cash? Here’s your resolution for 2010: stop throwing money away. Start by reviewing your homeowners insurance policy to see if you’re overlooking some big money-saving discounts.
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What Your Homeowners Insurance Doesn’t Cover

To all the nasty surprises life can throw at you include learning after the fact that your homeowners insurance policy doesn’t cover something you just naturally assumed it did. Adding insult to injury is also finding out that an inexpensive rider to your
what to expect at your term life medical examEINSURANCE

Is High Deductible Health Insurance Right For You?

Happy New Year! Why not take this opportunity to review your health insurance coverage and see if you can save a few bucks by making more informed choices? One of the best ways to bring down costs is to elect for a high deductible plan, which offers the a
what to expect at your term life medical examEINSURANCE

Automobile Gap Insurance – What Does It Cover?

You can pick up a great new car deal right now. If your credit is decent, you may even be able to get some shiny new wheels with no money down. That’s great, unless your ride gets totaled or somebody steals it. That’s when you’ll become painfully aware o
what to expect at your term life medical examEINSURANCE

Tips for Picking a Health Care Plan Winner During Open Enrollment

It’s that time of year. If you’re still among the employed and your employer still offers health insurance as a company benefit, any day now you’ll be paraded into the company conference room to hear about your open enrollment options. If you’ve used this
what to expect at your term life medical examEINSURANCE

Max Out Your Health Benefits

With the end of the year coming on fast, now is a good time to strategize how to maximize the benefits on your medical and dental insurance policies for the coming year. The goal is to not leave any money or benefits on the table.
what to expect at your term life medical examEINSURANCE

What To Expect at Your Term Life Insurance Medical Exam

If you have a family or own a business, term life insurance is a relatively inexpensive way to provide for your beneficiaries in the event of your death. But be aware that, unlike group life insurance, many term life and whole life insurers require that y
what to expect at your term life medical examEINSURANCE

Lower Your Motorcycle Insurance with Theft Prevention Tactics

There’s good news for motorcycle owners. National Insurance Crime Bureau (NCIB) data shows that U.S. motorcycle thefts have been trending downward for the past several years. That mirrors similar drops in automobile thefts. Regrettably, the statistics for
what to expect at your term life medical examEINSURANCE

All About Vacant Property Insurance

With so many homes staying unsold on the market for longer than normal, a growing number of homeowners find themselves needing vacant property insurance. Vacant homes are targets for malicious damage from vandals, attractive to thieves who steal copper w
what to expect at your term life medical examEINSURANCE

Don’t Blow Your Safe Driver Discounts. Know About Cell Phone & Texting Bans.

Safe driver discounts are one of the best ways to save money on your car insurance, but old habits die hard. If you’ve grown used to chatting away on your handheld cell phone while cruising down the freeway, better check out the new state laws. This is e
what to expect at your term life medical examEINSURANCE

How to Get Life Insurance if You’re Sick or Unhealthy

Like Monday morning quarterbacking, it’s easy to see that you should have bought life insurance when you were young and healthy instead of waiting till you’re pushing 50 or racking up health problems. If you suddenly find yourself among the nearly 5% of A