Long-term disability claims have a tendency to be very stressful. Not only are claimants dealing with an injury or illness that is preventing them from working, they are also left to deal with the whims of their long-term disability insurance carrier. Insurance companies are in no mood to cut a check for the resources you […]

Many Americans find their income does not stretch as far as it used to. Costs are rising for everything, making it crucial to be more mindful about our investments. In other words, our hard-earned money needs to go towards what we really need. One area where spending money can raise some questions is insurance. While […]

“How much am I worth?” This question has been the subject of many motivational talks, presentations and books. Worth is a question and a concept that takes on so many forms—including self-esteem, legacy value and net worth. To achieve some sense of life worth is many people’s ultimate ambition, and it is a noble one. […]

If you’ve decided to secure disability insurance, you should take a moment to congratulate yourself. Prudence will pay dividends if an injury or illness keeps you out of work. You may have questions, however, about what type of disability insurance is best. Specifically, whether you should seek short-term, long-term, or perhaps even both types of […]

As we discussed last week, insurers have increasingly embraced “Use It and Lose It.” In this system, homeowners are unduly punished for taking otherwise reasonable actions. Indeed, a single claim — or claim inquiry — could see premium increases, surcharges, or non-renewals. While the disdain for this legal practice is universal among consumers, different states […]

Everyone knows the phrase “use it or lose it.” Indeed, we’ve heard it applied to everything from flex spending accounts to credit card miles. Can the same be said, however, about the phrase “use it and lose it?” While this swap of conjunctions might seem like a simple typo, this is far from the case. […]

Individuals who receive their medical degree should feel extremely proud; a lifetime of tireless academic efforts has paid off. Indeed, the transition from student to physician can now begin in earnest with the start of a residency. With long hours and low pay, the life of a medical resident is not glamorous. However, most will […]

When young professionals enter the workforce, they are faced with financial obstacles that leave little time to learn about insurance. However, when young adults choose to skip insurance coverage they don’t think they need or don’t understand, they may be financially unprepared if the unthinkable happens. This is why it’s important to contact one of […]

Earlier this week, we discussed why families should reconsider purchasing life insurance for stay-at-home parents. Specifically, how this investment safeguards working parents and children in the event of an untimely passing. While life insurance is a necessity for this particular family dynamic, what about other households? For example, do the same arguments in favor of […]