Finance Globe

U.S. financial and economic topics from several finance writers.

Do you Disagree with Your Car Insurance Premium?

Do you Disagree with Your Car Insurance Premium?
When you receive your car insurance statement in the mail, your feelings can go one of two ways. Maybe you will be excited that your premium remained the same or decreased. Or maybe you will feel disappointment when you realize that you are being asked to pay more this statement period. There are times when you realize that your premium will increase. For example, maybe you were involved in an at-fault accident or received some type...
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Frank
I unfortunately received a few seat belt tickets, and my previous existing insurance provider almost doubled my rate. Luckily I wa... Read More
Thursday, 21 April 2016 16:27
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Consider these Points when Shopping for Long Term Care Insurance

Consider these Points when Shopping for Long Term Care Insurance
There are many types of insurance you can purchase, with a long term care policy often at the top of the list. This may not be something you think about in your younger days, but as the years go by it could be a purchase you are willing to make. Before doing so, there are several points to consider. These include: •    Your age and health. Are you looking to save money on the cost of...
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Frank
Evaluating your family and friends is very important when shopping for long-term care insurance. You really need to evaluate who a... Read More
Tuesday, 08 March 2016 09:40
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3 Top Tips for Buying Renters Insurance

3 Top Tips for Buying Renters Insurance
If you rent a home or apartment, as opposed to owning, you should consider the benefits of buying a renters insurance policy. This coverage is designed to protect you against loss due to natural disaster, theft, or accident. Just the same as any type of insurance, there are many companies that sell this coverage. Furthermore, you have a variety of options when making a buying decision. To ensure that you are on the right track, here...
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Frank
Great information. I would just simply add to make sure you do in fact get renter's insurance. Some people see it as a waste, but ... Read More
Thursday, 18 February 2016 11:19
ChrisB
You are so right, Frank. It's a cheap purchase that could save you thousands if disaster strikes!
Thursday, 18 February 2016 12:06
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3 Reasons to Buy Life Insurance Now, Not Later

3 Reasons to Buy Life Insurance Now, Not Later
Have you been thinking about purchasing life insurance for quite some time? Like many, you may realize this is a good idea. And like many, you may continue to put this off time and time again. Although this is a difficult decision to make for many reasons, including the fact that you have to think about your own death, it’s not a good idea to overlook the importance much longer. Here are three reasons to buy...
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5 Life Insurance Myths to Ignore

5 Life Insurance Myths to Ignore
Before we go any further, let’s get one thing out of the way: there is nothing fun about buying a life insurance policy. Even so, once you put this in the past, you will feel a great sense of relief. To avoid mistakes, to ensure that everything goes as planned, you need to separate fact from fiction before you begin the shopping process. Unfortunately, there are many myths that can stop you from buying the right...
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Frank
Great information here Chris. One thing to consider, which I think most people know, is you only really need life insurance if you... Read More
Monday, 21 December 2015 09:30
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The Three Primary Benefits of Private Disability Insurance

The Three Primary Benefits of Private Disability Insurance
Some companies provide employees the opportunity to purchase group disability insurance. If you can do so at a discounted rate, it is well worth considering. On the flipside, there are employers that don’t offer this benefit. This leaves you in a tricky position. Should you purchase private disability insurance? Should you forget about this altogether? Before you do anything, learn more about the benefits of buying a policy. Here are three that you can’t afford to...
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Frank
Chris, this is great information. I am very unfamiliar with disability insurance. This information is very useful. Do you have any... Read More
Thursday, 17 December 2015 18:43
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Why did Your Home Insurance Premium Increase?

Why did Your Home Insurance Premium Increase?
Many homeowners face this situation: they purchase an affordable home insurance policy with comprehensive coverage. Everything is going just fine, and then they receive a notice that their premium will increase. If you don’t know why your premium increased, the best thing you can do is consult with your agent. This person can explain what happened and provide information on your options. Before it comes to this, however, you may want to learn more about some...
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Frank
Great information Chris. I would also add 2 others: (1) increase in luxury items such as watches, jewelry, etc. (2) changes to the... Read More
Tuesday, 24 November 2015 17:49
Wanderer
Add to the list valuations used by the insurance industry (per square foot) and it comes from costs to replace or build new. This ... Read More
Wednesday, 25 November 2015 08:57
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Should You Use an Insurance Broker to Purchase Life Insurance?

Should You Use an Insurance Broker to Purchase Life Insurance?
When it comes time to purchase life insurance, there are many decisions to make. To start, you must answer this question: will you rely on the services of a broker or contact multiple companies direct? Some people shy away from insurance brokers. They don’t understand how the process works. They don’t believe that the person has their best interests in mind. While there is nothing wrong with being cautious, you should familiarize yourself with the benefits...
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Frank
Great information Chris. While I have never used a broker myself, certain situations can make using a broker a lot of sense. If th... Read More
Thursday, 12 November 2015 16:34
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Here are Three Causes of Higher Life Insurance Premiums

Here are Three Causes of Higher Life Insurance Premiums
Are you in the market for life insurance? Have you heard the horror stories regarding the cost? You will never know what a policy will cost until you request and compare a few quotes. Unfortunately, there may be some factors working against you. Here are three primary causes of higher life insurance premiums: 1. You are a smoker. Hands down, this is the number one reason your premium will go through the roof. If you use...
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Frank
I would also add the 3 reasons below. 3 additional reasons for high life insurance premiums 1. Family History, as chronic health ... Read More
Wednesday, 04 November 2015 08:07
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5 Overlooked Questions to Ask when Requesting a Car Insurance Quote

5 Overlooked Questions to Ask when Requesting a Car Insurance Quote
When it comes time to request a car insurance quote, you have one thing on your mind: finding a company that provides high quality coverage at an affordable price. While this may be your primary goal, don’t stop short of asking the many questions that may be floating around your mind. Below are five overlooked questions to ask when requesting a car insurance quote. Once you have answers to these questions, you will better understand the...
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Frank
As I am not an expert in car insurance, what is the difference between limited tort and full tort option?
Sunday, 11 October 2015 09:45
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