InsuranceThought — Blogs About Insurance

Health Insurance – Difficult to Obtain, but Not Impossible

This day and age is probably the toughest health insurance issues my generation will ever see. You may have lost your job or the job you have is dropping your coverage, or maybe they are simply raising your premium and you can no longer afford it. Here are just a few suggestions that may be [...]

Saving Money on Auto Insurance Can Be Done With a Little Effort and Conviction

Auto insurance rates can often be quite prohibitive these days. Many families are struggling to pay their premium each month. And car insurance rates vary all the time. So if car insurance cost is an issue for you, what can you do about it?
The auto insurance industry is a massive one. It is also highly [...]

Pet Insurance – What You Need to Know

There are at least a half dozen pet insurance companies in the United States and each one offers different coverage and different options. How can today’s pet owner navigate his or her way around the myriad choices?
The following nine questions are designed to give you a bit of a head start and hopefully save you [...]

Combined Life Insurance Offers Advantages Over Regular Life Insurance

Life insurance is the one of the most sought after and commonly used financial services products. People, in general, have many fears and worries about life – longevity, as well as what could happen in the future. What the future portends is something that arouses our curiosity but also anxiety in the minds of most [...]

Understanding the Health Insurance Selection Process

1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?
Numerous health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again.
COULD HAVE BEEN covered!?
That is correct. Most self-employed individuals and even some small business owners do [...]

When You Need Short-Term Disability Insurance

Qualifying for Short-Term Disability
Oftentimes employees who need a brief break from work-related duties due to a particular medical condition or an injury are eligible for short-term disability benefits once he or she has depleted all of the sick leave to which he or she is entitled.
Many employers will provide their employees with short-term disability benefits [...]

Insurance Needs of a Home-Based Business Owner

When you are just beginning your home-based business purchasing insurance coverage for yourself and your family may not be one of your priorities but it is unwise not to make it such. If – or more likely WHEN – disaster strikes, having insurance will make the difference between your business’s success or its failure.
Though you [...]

Your Health Insurance Open Enrollment Questions Answered

Open enrollment comes but once a year, so the following information can be useful when deciding on the best insurance plan for you and your family for the upcoming year:
What changes can be made to my health plan during open enrollment?

If you aren’t currently enrolled in an insurance plan, you can enroll at this [...]

Teenagers’ Level of Maturity Interferes With Safe Driving Practices

As most of us realize, automobile accidents are the number one cause of death among teens ages 15 to 20. The lack of driving experience combined with teens’ level of maturity combine to make teens the riskiest of all drivers. Teenagers are severely lacking in their experience of recognition and response to a hazardous situation [...]

Evaluating Your Life Insurance Company’s Stability is Vital

While researching prices and coverage options to find the best insurance company for a life insurance purchase is vital, researching the companies’ financial health is just as much so. Financial strength is crucial – you need your company to be there when you need them in 10, 20, 30 years or more, when your beneficiaries [...]