A term life insurance policy is a life insurance option available to most people due to its affordability and simplicity. The duration of such a policy generally ranges anywhere from 10 to 30 years. Here’s what you need to know about term life insurance policies compared to annually renewable life insurance policies. Changes in Life Read More
Universal life insurance is a variant of life insurance. With a universal life insurance policy, you have flexibility regarding the payment of premiums. You also get to choose how your insurer will invest your cash value. The two common types of universal life insurance are indexed and variable universal insurance. The main difference between these Read More
The health of employees’ eyes is becoming increasingly important because many jobs now revolve around screen technology. Unfortunately, not all companies offer sufficient eye care benefits to their workers. Moreover, over 75 percent of the U.S. adult population needs some kind of vision correction. This huge number shows why you need to ensure your employees Read More
Term insurance is a variant of life insurance that offers coverage for a specified period or a given term of years. If you, as the policyholder, die during the specified period in your policy, your beneficiaries will be paid a death benefit. Here are the five mistakes to avoid when getting term life insurance Buying Read More
No-cost insurance for certain medical procedures has become an emerging issue among patient advocates and medical professionals. Services such as biopsies that diagnose health problems should be free, as well as lab tests, say the most vocal advocates. Here’s a look at who pays for preventive care and diagnostic tests. Free Preventive Healthcare The Affordable Read More
If an unforeseen event disrupts your travel plans, you’ll likely lose the money you’ve spent on nonrefundable travel purchases. In such a situation, travel insurance can cover the resulting losses, ensuring you do not lose your money. It’s worth noting that some insurers offer travel insurance specifically designed for senior citizens. Here is detailed information Read More
According to the National Association of Dental Plans, more than 70% of Americans have some form of dental insurance. Of course, knowing the ins and outs of your dental insurance coverage will enable you to take full advantage of your policy. For instance, while most Medicaid policies exclude dental care for adults, children can comfortably Read More
Different guidelines apply to health with age, as younger people tend to be healthier than older age groups. While you still need to follow your doctor’s directions, here are general considerations healthcare professionals recommend for different age groups. Young Adulthood (20s and 30s) Even though changes in health with age require unique solutions, certain actions Read More
Life insurance is a policy that pays a predetermined sum of money to the policyholder’s beneficiaries if the policyholder dies unexpectedly. This money can come in handy in clearing debts, paying estate taxes, covering funeral expenses, and even paying for the beneficiaries’ education and healthcare. Here are five instances where life insurance can provide for Read More
Your standard medical insurance policy will cover your medical expenses if you fall sick or get injured. However, if this happens while you’re on a trip abroad, you will likely need extra coverage, mainly because hospitals in other countries do not usually accept U.S. healthcare plans. Additionally, most U.S. healthcare insurance plans only provide coverage Read More