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document.write('Flood insurance might be one of the most important forms of protection the average homeowner ever purchases.Unfortunately, it’s also one of the most easily overlooked.Following are some of the reasons flood insurance should be at the top of your insurance portfolio:1. Revised FEMA MapsMillions of homeowners across America have been surprised to learn they need
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document.write('Staying with the same agent or broker simply makes sense when it comes to property and casualty insurance.Following are some of the advantages of having a long-term working relationship with one agent:1. Continuous Coverage: One agent will be better prepared to quote complete coverage without existing gaps, and you’ll be more likely to save money
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document.write('Buying a life insurance policy is one of the most important steps you can take to protect your family’s financial future. It can also be one of the most confusing tasks.The following are some mistakes to avoid when buying a life insurance policy:Mistake #1Procrastination is by far the most common mistake made by the majority
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document.write('More than half the nation’s population will spend time in a long-term care facility at some point in their lives, research shows. Unfortunately, very few people carry long-term care insurance.Long-term care insurance is perhaps a necessity for the nearly one in five Americans nearing retirement age. To find out if you’d benefit from purchasing long-term
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document.write('As the stock markets plummeted in 2008 and 2009, many pre- and post-retirees withdrew all their funds from their annuities.Many also took significant losses - something they’re still recovering from to this day.As a result, many people may now want to know if they can deposit any proceeds in excess of the cost of purchasing
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document.write('For many people, tax deferral is by far the most important benefit of choosing an annuity as a retirement savings vehicle.Because of that, it’s important that people understand at least the basics of tax deferral.Following is a brief overview of tax deferrals:Tax deferral is a means by which the payment of taxes on certain assets
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document.write('January is the perfect time to pause for a moment and reflect on the year that’s passed. It’s also a good time to prepare for the one ahead.Taking an inventory of your insurance needs is a great way to make sure that your hard work and New Year’s resolutions are protected against fiscal uncertainty in
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document.write('A common mistake made by the average driver is being under-insured. Unfortunately, what might seem like a small oversight can become a costly mistake. You can make sure that you’re purchasing the right amount of liability coverage by speaking with your agent and understanding the following important considerations:1. Understand how other assets can impact auto
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document.write('The start of a new year is the perfect time to review your life insurance needs. The following information will help ensure that you get off to a sound and secure financial start.Why You Need Life InsurancePlain and simple, life insurance is the ultimate form of protection for your family’s financial future. Whether you’re the
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document.write('Most people make it a priority to purchase adequate levels of home, auto and even life insurance, but few make the same commitment for disability coverage.Unfortunately, research shows disability insurance is one of the most urgently needed forms of coverage available. It is vital to ensuring financial stability, though, as nearly 80% of people are
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document.write('People who rent a car for the holidays can get the right insurance without paying too much if they follow a few simple steps.First, renters should call their insurance agents or brokers to clarify what type of coverage they need, taking into account limitations and exclusions as well as special situations that may apply to
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document.write('Purchasing condo insurance can be complex, so it’s imperative to work closely with your broker or agent to obtain the best price and policy.Why Are Condos Different?Due to the use of shared space and amenities, there are special considerations to keep in mind when obtaining insurance. Most condos include special fees to cover routine maintenance
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document.write('Thinking of selling your life insurance policy to get the cash? Make sure you understand the pros and cons first.Life settlements are increasingly popular alternatives for older Americans or others struggling with major medical bills, but there are potential pitfalls that should be carefully considered, including the potential for abuse or even outright fraud.The first
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document.write('Buying an individual health insurance policy can be a daunting experience.It might seem a little overwhelming, especially if it’s the first time you’ve ever opted for anything other than an employer-sponsored plan.With a bit of planning and preparation, though, you can find the policy that fits your lifestyle perfectly.The following are some tips to get
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document.write('At one time or another, nearly everyone borrows and lends a vehicle. Whether it’s for a quick trip up the road or a cross-country journey, understanding a little about insurance and borrowed cars can help reduce the risk of mis-information or costly mistakes.Insured or Not Insured?Most auto insurance is connected to the vehicle in question,
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document.write('Many people are unaware their credit history may strongly influence the cost of homeowners insurance. A poor credit score can result not only in higher insurance premiums but also in a denial of coverage altogether.As credit lending standards continue to tighten, experts agree that it is more important than ever to keep a close eye
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document.write('Many retirees own stock they bought decades ago but are reluctant to sell it because of the capital gains taxes that will be due. So what should you do with long-held stock?Before taking any action, you probably want to think about why you hold the stock in the first place.If your goal is to leave
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document.write('Health Savings Accounts, or HSAs, are one of the most useful but frequently overlooked forms of health insurance available to the average consumer.A combination of savings account and health insurance policy, HSAs allow consumers to save money on the cost of health insurance while taking advantage of tax-free savings. However, there are a few things
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document.write('Life insurance is one of the most important considerations when it comes to planning for your family’s financial future, according to experts.But for those who are self-employed, there is an even greater urgency.The following information and tips will assist you in finding the best rates:Loss of Income: Life insurance provides your family with protection from
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document.write('Business owners are forced to make tough decisions, including substantial cutbacks, due to the challenging economic conditions. Unfortunately, staff shortages and prospective layoffs often lead to an increased risk of claims ranging from worker misclassification to wrongful termination. Here’s how to reduce the risk of claims.Document. It is essential to have a written policy in
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