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Can I get life insurance without a medical exam?
Most insurance companies require applicants of conventional life insurance policies to fill out a health questionnaire and undergo a medical examination. However, if you are in poor health or simpl...
The Basics of Homeowners’ Insurance
For homeowners or prospective first-time buyers, it’s essential to understand homeowners’ insurance for asset protection and peace of mind. This type of insurance safeguards your belon...
Insurance companies, group health plans cover at-home COVID-19 tests
In an effort to expand accessibility to COVID-19 testing, private health insurance companies and group health plans are now required to cover over-the-counter, at-home COVID-19 tests. FDA-app...
Do business owners need to buy workers’ compensation insurance?
Workers’ compensation is a type of business insurance paid by an employer that provides benefits, including wage replacement, medical treatment and disability benefits, to employees who suffer from...
Should a landlord get an umbrella policy for their rental property?
The role of landlord comes with understood risks — unexpected maintenance, delinquent tenants, payment problems, damage to units and more. Landlords seeking an extra layer of protection against pot...
What is gap insurance and when do I need it?
Of personal assets with the most rapid depreciation rates, cars, trucks and other vehicles rank among the highest. Auto industry experts estimate most vehicles depreciate in value by an average of ...
What is product liability insurance for small businesses?
Costly litigation can sink a small business. For manufacturers or sellers of merchandise, product liability insurance is an essential safeguard to prevent financial ruin. Product liability coverage...
What are the two components of a universal policy?
Universal life insurance is a type of permanent life insurance that does not expire, as long as premiums are paid. Universal life insurance has two components: cost of insurance and cash value. Cos...
Why do I need indemnity insurance?
Indemnity insurance is vital for any policyholder seeking protection against potential third-party claims. In exchange for monthly or annual premiums, indemnity insurance safeguards policyholders f...