insurance
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Cashing In Your Prudential Life Insurance: What You Need to Know
Generally, a life insurance policy is intended for your beneficiaries to receive funds after your death to replace your income or to help pay off debts or funeral expenses. But sometimes that benefici
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Find Your Life Insurance Policy Number: A Simple Guide
Stumbling across a forgotten life insurance policy can be like finding a lottery ticket: It might be worthless, but it might also be an unexpected windfall. The only way to know for sure is to check o
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Accounting for Insurance Reimbursements: A Step-by-Step Guide
Insurance--it's one of those things you're only happy about when you really need it, but it sure does come in handy when you really need it. This is especially the case for costly repairs and
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Understanding Health Insurance: Why Coverage Matters
Everyone should be covered by some form of health insurance. People are always vulnerable to injury and illnesses from their everyday activities. Whether it is an individual plan or employer- or gover
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COBRA Eligibility After Quitting: Your Rights & Options
If you had health care benefits through your previous employer and are now out of work because of a qualifying event, including if you quit your job, you're eligible for continuing coverage benefi
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Life Insurance Claim Process: A Step-by-Step Guide for Beneficiaries
The life insurance claims process begins with notification, usually by a family member, to the insurance company about the policyholder's death. If you are the beneficiary, you will receive inform
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Understanding NY Regulation 60: Insurance Policy Replacement
New York State Insurance Department Regulation 60 is a consumer protection law for replacement of insurance policies. Regulation 60 applies to life insurance and annuity contracts. This regulation req
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Understanding HSA Distributions: How to Access Your Health Savings Account Funds
You can use a health savings account (HSA) to pay your medical expenses and decrease your tax burden. The funds in these accounts belong to the contributor, unlike medical insurance premiums, which, o
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Transferring HSA Funds: A Step-by-Step Guide to Paying Medical Bills
A Health Savings Account is an IRS-recognized, tax-exempt account specifically designed to save money to pay for medical expenses. These accounts don't need specific IRS authorization, but you mus
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Understanding Social Insurance: Benefits and Programs
Government social insurance programs provide a safety net for society's elderly, indigent and unemployed persons. Different government programs provide different benefits and are funded in differe
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Understanding Social Insurance: Types & Benefits
Life's journey is not always pleasant. Some troubles are small and manageable, while others, like disability or the unexpected death of a primary breadwinner interfere with our ability to live hap
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Fidelity Bonds: Protecting Your Business from Employee Fraud
Fidelity bonds are a type of business insurance that does two things. It is sometimes referred to as crime insurance for businesses. It protects a business against high-risk employees, and it allows e
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Understanding Suicide Clauses in Life Insurance Policies
A person who becomes depressed may consider taking her own life to leave her loved ones with the benefits from a life insurance policy. In some situations, a life insurance policy's suicide clause
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Using Your Health Savings Account for Braces: A Comprehensive Guide
Paying for braces can be a huge and sometimes unexpected expense for a family or an individual to face. Whether the braces need to be worn for two years or four years, the orthodontist will want to be
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Reporting Disability Fraud in New York State: A Guide
Providing false information to obtain disability money is fraud and is considered a felony in New York State. Disability fraud in NYS -- or anywhere -- is very difficult to spot and prove. Many disabi
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Understanding Insurance Loss: Definitions & Types
The primary purpose of an auto or home insurance policy is to protect the insureds against a loss. In insurance terms, a loss is any injury or damage that the insured suffers because of a covered acci
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Calculating Replacement Value: A Comprehensive Guide
The term "replacement value" is used to describe the amount of money needed to replace damaged items with new items. Depending on the items being replaced, this amount may not be the same as
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Understanding Insurance Quotes: A Comprehensive Guide
Consumers purchase insurance policies to protect themselves against a loss. Policies may be purchased to pay for damage to a home or car, for medical expenses, or for loss of life. Insurance agents pr
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Voluntary vs. Term Life Insurance: Understanding Your Options
Employers offer voluntary life insurance so that all employees have the opportunity to purchase the amount of insurance that they need at a group rate. All groups that offer voluntary life insurance a
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Understanding Types of Insurance Risks: A Comprehensive Guide
Whether dealing with auto, health or liability insurance, both the insurer and the policyholder are weighing risk. While the policyholder is looking to limit the risk to his finances, property or love
insurance
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- Guaranteed Issue Life Insurance: No Exam, No Health Questions - Get Coverage Now
- Understanding Short-Term Disability Claim Extensions: Eligibility & Process
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Emergency Fund Coverage: What to Prioritize & How Much to SaveMake sure you're all set in the...
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Understanding Durability Bias: Why Past Performance Doesn't Guarantee Future ResultsDurability bias is the subconscious inclination to forecast past events or occurrences forward to the future. In other words, durability is a type of cognitive biasCognitive BiasA cognitive bias is an...
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Debt Consolidation: Benefits & Risks - Is It Right for You?Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opi...
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Online Bill Payment: A Comprehensive Guide for 2024Banks and credit unions commonly offer online bill payment services when you open a checking account. The advantages of using this service include paying your bills any time of the day and gaining bet...