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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...

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 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...