Even if you have prescription drug coverage, chances are it pays only a portion of the total cost. Learn how to keep the costs of prescription drugs under control.Ask for Generics: Don’t be afraid to ask your physician to prescribe a generic if it is available. The cost is often a fraction of the brand-name [...]

One of the most important insurance decisions you can make is purchasing life insurance - it ensures that your loved ones will not suffer financial hardship in the event you are no longer there to care for them.However, life insurance is a complex legal contract, so it’s essential to understand how to properly select a [...]

Purchasing coverage for children away at school can be confusing if you aren’t familiar with the options. Learn the ABCs of keeping your student protected with these building blocks of coverage:A - Analyze: The first step is to analyze your current insurance policies against the needs of your child. Most students will need health insurance, [...]

Most people shop for auto insurance after they have purchased a new vehicle, but for the best rates and biggest savings, it’s actually better to begin at the end.Learn how to buy right to save big on car insurance costs without putting the brakes on the fun.Shop Used Rather Than NewNot only will a used [...]

Decoding health insurance lingo isn’t always easy but with a little planning and preparation you will soon be speaking the same language as your agent.The first step is to understand the basic types of health care plans including:HMO or Health Maintenance Organization. You select a primary care provider who coordinates care. Low co-payments are typical. [...]

Whether you have a chronic health condition, work in a high-risk occupation or simply find yourself nearing those retirement years, chances are you have faced the prospect of going without life insurance.Instead of forgoing coverage, use these tips to find affordable coverage options and protect the financial future of your family.Low-Cost Term Life InsuranceTerm life [...]

Learn how to protect your property and save big on premiums with these burglar-proofing and alarm ideas.Perform a Personalized Review. Develop a plan of action based on existing security measures and needed upgrades. Create an inventory for each door, window and room in the house. Do you have dead bolt locks? Fire alarms with battery [...]

If you are like most boat owners, then you believe only the best boat insurance will do. Unfortunately, buying boat insurance can feel like navigating stormy waters when you don’t understand a few basics. Use this checklist to make sure you encounter nothing but smooth sailing when buying or renewing your boat insurance policy:Inside or [...]

Most parents dread the day their teens take to the road: high insurance rates combined with natural concern for your new driver do little to alleviate the suffering. Fortunately, you can reduce high insurance premiums while keeping the entire family safe with these rules for the road:Ask about Good Grades and Other DiscountsHonor students and [...]

Many homeowners assume their big-ticket items like jewelry and antiques are covered by a standard insurance policy. Unfortunately, that assumption is often wrong. Most standard homeowners insurance policies provide a cap or limit on luxury items, collectibles or other expensive belongings; usually $2,000 to $3,500. Above that level, it is necessary to obtain additional coverage [...]

What you don’t know about long-term care insurance could hurt you for years to come. Everyone knows they need insurance, but even those who are diligent about other forms of insurance tend to forget about long-term care insurance until late in life. Unfortunately, that is often a big mistake. Not only does it cost more [...]

One of the common misperceptions surrounding life insurance is that the working spouse is the only person who should be insured. If you or your spouse stays at home with the children it is essential to calculate the equivalent cost of replacing that support in order to maintain your standard of living in the event [...]

While shopping online for insurance is fast and convenient, there are a few dirty little secrets that might end up making it cost more than you realize. Find out why using an agent or broker beats shopping online for insurance.Only advertisers: Online insurance quotes compare only the rates of companies that advertise on their website. [...]

Traditionally, people tend to purchase life insurance then forget all about it. Unfortunately, that is one of the worst possible things to do.Learn why and when to adjust your life insurance with these quick life scenarios and other tips:Change of marital statusWhether you are newly married, recently divorced or widowed, it is important to update [...]

An umbrella policy is one of the most affordable and important types of insurance available.It is also one of the most overlooked and misunderstood types of insurance on the market.Protect Your AssetsOnce considered a policy for the rich, umbrella insurance is actually more important for many middle-class homeowners or others with assets they simply cannot [...]

When buying insurance, many people make the mistake of thinking “less is more,” but scrimping on insurance rarely saves money in the long run. Sadly, when the time comes to submit a claim, people often realize what an expensive mistake they made. Get the best deal on insurance without paying the ultimate price or sacrificing [...]

Chances are buying auto insurance isn’t on your top ten list of fun things to do this weekend. Don’t worry - it’s easy to buy right when you follow these simple steps:Plan AheadReview your current coverage at least 30 days prior to the renewal date. Not only will you have a current copy of your [...]

As the New Year approaches, it is only natural to reflect on changes that took place over the past year. It’s also the perfect time to assess your insurance needs and take steps to protect your financial future for the year to come.Schedule a time to speak with your insurance agent if any of the [...]

You have spent your lifetime building assets to take care of your financial future but how much time have you spent learning how to protect those investments?Your business, real estate holdings and other assets could be wiped out with just one lawsuit. Many people are surprised to learn they are more “at risk” than they [...]

If you have never purchased life insurance or if it has been a while since you bought your policy then you may be under-insured. Use these tips to help calculate your life insurance needs.Plan ahead for life-changing events: Marriage, retirement, childbirth, starting a business or even buying a home can alter the amount of life [...]