Tips For Reviewing A Life Insurance Policy

While you've taken some great steps toward securing your family financially by getting a life insurance policy, it is not something you should just purchase and forget about. It's worth periodically reviewing the policy to make sure that it is still meeting the needs for financial obligations down the road. Here are two things you should review. Make Sure You Have Enough Coverage The life insurance policy that you purchased a while back may have been fine for your what you needed at the time, but things most likely have changed.   Read More...

How To Shop For Home Insurance When You Have Bad Credit

If you are shopping for home insurance and you have a bad credit score, you may be fearful of receiving high quotes. It's true that many home insurers take your credit into consideration when calculating rates. However, it's also true that you can take measures to mitigate the effect of bad credit on your rates. Here are some of those measures: Identify the Insurers That Don't Use It Some, but not all carriers use credit scores as a factor in rate determination; some states don't even allow it.   Read More...

No, Non, Yes: Auto Insurance Options If You Don't Own A Car

Car ownership is something that's considered necessary in most of the country. However, more areas are improving public transit and car-sharing options, allowing people who live in more central areas to ditch their personal cars. One issue that then confronts these people is whether or not to keep their car insurance. On the face of it, it seems like the insurance is not necessary. But there are reasons, other than convenience, that make having insurance still attractive.   Read More...

Before, During, And After: Describing A Workplace Injury

As an employer, you need to write an accident report every time one of your employees is injured.  A good accident report has several sections, one of which is a description of the injury. The description of the injury should include these three things: The Sequence of Events Leading Up To the Injury This is where you describe what the employee was doing just before the accident. It's your prerogative to decide the level of detail to include, but you should at least include where the worker was, what they were doing, and any other thing you think is material to the injury.   Read More...

Baby Boomer Disillusioned By LTC Insurance Plans? Hybrid Long-Term Care Insurance May Be Perfect for You

If you are of the baby-boomer generation and haven't begun planning for the expense of long-term care, then you need to start. Financial experts advise that everyone should enroll in an LTC insurance plan by the age of 60 even if they have no family history of chronic medical problems. Those who do have a family history of chronic health problems, including dementia, should find a policy much sooner. However, you may be considering rolling the dice and not obtaining an LTC policy due to fear that it will just be a "   Read More...