Articles: Buying Insurance

Our guide to buying insurance aims at providing you with helpful insurance information.  We'll talk about the pros and cons of term life insurance versus cash value policies such as universal life.  We'll help you find low cost health insurance, and tell you about the ins and outs of the Medicare program.

If you're a homeowner or renter, we'll explain to you what your homeowner's insurance policy covers, and what it excludes.  We'll also help you understand what is covered under the different categories of your car insurance policy, so you can make informed decisions that keep your premiums to a minimum.

Health Insurance

Affordable health insurance is quickly becoming a mandate for most politicians here in America.  Fortunately, there are low-cost health insurance programs offered through every state in the nation.  We can tell you where to find this kind of health insurance in your state.

If you're a student in need of health insurance, you'll also be glad to know that many colleges and universities now offer affordable health insurance directly to their students:

Life Insurance Basics

To date, we've provided a wide range of information on the various types of life insurance policies.  The offerings in the marketplace today currently include:

Medicare Insurance

If you're over the age of 65, or have a qualifying illness, then we have a wealth of information on Medicare, Medicaid, and supplemental insurance policies.  In this first series, we talk about the basics, such as eligibility rules.  We also talk about the three most common parts of Medicare, including the newly introduced Medicare Part D (prescription drugs):

Supplemental Health Insurance

If you're looking for more than the standard Medicare insurance coverage, you'll be happy to know that there are many options you have when it comes to supplemental insurance policies.  The other nice feature of these policies is that the coverage has been standardized in nearly all states.

Medicaid Insurance

If you're thinking about Medicaid insurance and Medicaid planning, we can help you get started by providing an overview of the options you have when it comes to certain Medicaid strategies.  This can be an extremely complex topic, since the rules are established at the state level, but here is some good information on how the program is run:

Homeowners Insurance Policies

If you own or rent a home, you need to make sure it's adequately covered by your homeowner's insurance policy.  If you rent a home, the owner normally insures the structure itself, but if you have clothing, wall art, or other valuables contained in the home, you need to take a closer look at renters insurance.

Finally, you'd be surprised at how many homes sit near, or in, flood plains.  If you read through your existing homeowner's policy, it is very likely that flood insurance is specifically excluded from your coverage.  We'll tell you where you can go to get this kind of protection for your home:

Dental and Car Insurance

There is really no magic to this dental and car insurance section.  It's a mix right now until we have the time to add more articles in each of these areas.  Until then, here are a couple of articles explaining the basics of these types of insurance policies: