Online only insurance policies allow customers to purchase insurance coverage entirely over the internet, without interacting with an insurance agent. While online insurance options have existed for over two decades, they have exploded in popularity in recent years. In this comprehensive guide, we will explain everything you need to know about online only insurance, including: … Read more
For most types of life insurance, the policy has a set end date known as the maturity date. When a life insurance policy reaches maturity, the policy ends and a payout is made to the policy owner. But what exactly happens at maturity, and what should you expect? Below we’ll look at how maturity works … Read more
Getting pregnant can be an exciting time, but it also brings many practical considerations – including your health insurance coverage. Pregnancy care and childbirth costs can be expensive, so having sufficient coverage is crucial. Two common insurance plan types many pregnant women consider are PPOs and HDHPs. But when it comes to pregnancy, which option … Read more
Copays can be confusing, especially if you’re new to dealing with health insurance and medical bills. You may be wondering – do I really have to pay this copay, and do I have to pay it upfront before my appointment? The short answer is: it depends. There are a few different factors that determine whether … Read more
Many people new to Medicare are unsure about how the deductible works – do you have to pay it upfront when you get care? Or does Medicare pay its share first? Understanding Medicare’s deductible policies can help you better budget for health expenses. What is the Medicare Deductible? The Medicare deductible is the amount you … Read more
Long-term care insurance can help cover the costs of care services if you experience a chronic illness, disability or cognitive impairment later in life. However, long-term care insurance uptake remains relatively low in the U.S. Here’s an in-depth look at the statistics surrounding who has long-term care insurance coverage. Key Long-Term Care Insurance Statistics Let’s … Read more
Insurance audits are a regular part of doing business for many companies. But how far back can an insurer legally audit your records? Here’s what you need to know about insurance audits, including how long records must be kept and maintained. What is an Insurance Audit? An insurance audit is a review of a policyholder’s … Read more
Wanting to add a family member like a brother to your auto insurance policy is common. Doing so can provide coverage protection and even potentially lower your rates. However, insurance companies have specific requirements regarding who you can and cannot include on your policy. So can you actually add your brother to your car insurance? … Read more
You’ve likely had a friend or family member ask to borrow your car at some point. It’s a common favor among people who know and trust each other. But before handing over your keys, an important question arises: Will your car insurance cover the other driver if they aren’t listed on your policy? The answer … Read more
Getting into a car accident can be a stressful and confusing experience, especially if you were at fault. You may be wondering if you need to file an insurance claim or not. There are several factors to consider when deciding whether or not to make a claim after causing an accident. What Does “At Fault” … Read more