The secrets about Life Insuarance image

The secrets about Life Insuarance

Preparing for the unexpected can be your families saving grace. Make sure that you and your family are prepared for anything to happen.

Affordable Care Act Summary for Self-Employed, Unemployed, and Early Retirees

Much of the discussion around The Patient Protection and Affordable Care Act (PPACA) aka Affordable Care Act aka Obamacare has been about politics. But it's the law, it's constitutional, and a lot of things are happening soon. For most full-time workers that wish to keep their employer-provided health insurance, little will change. ...

Nashville Flood Lessons: Do You Need Flood Insurance?

After reading about the recent flooding in the Nashville area, I again find myself reminding people to consider optional flood insurance. First, some background. Most homes that are in 100-year flood plains are required to buy flood insurance. This is because the banks know that this designation means that you have a 26% chance of a 100-year level flood within a 30 year span. ...

Are You Protecting Your Most Valuable Asset?

We are all leading busy lives, and its all to easy to miss the woods for the trees. ...

How To Appeal Health Insurance Claim Denials - Flowchart

The US Department of Labor estimates that about 1 in 7 claims to employer health insurance plans are initially denied. A patient advocate says that she wins 80% of appeals. Yet only 4% of denials are appealed. These stats are taken from the AARP article The Health Claim Game. ...

New Marketing Trick: Short-term FDIC-Insured Bank CDs With Really High Rates

If you still read newspapers like me, you may have come across an advertisement like this one recently touting an abnormally high 3-month or 6-month CD rate in last Sundays issue: According to Bankrate, the current national average for a 6-month certificate of deposit is 0.37% APY, with their top yield being 1.25% APY. Highly-advertised Ally Bank offers 1.14% APY. ...

FACT Act Personal Data Files: Banking, Insurance, and Employment History Reports

Reminder for 2012! The most well known part of the Fair and Accurate Credit Transactions Act (FACT Act) is that you can get a free copy of your credit report from all three major credit bureaus once every 12 months. However, there are also several other consumer databases that you should check as well which are also available absolutely free once every 12 months, and they can also have a significa ... ...

Poll: How Big Is Your Emergency Fund?

Below is a chart of the median duration of unemployment from July 1967 to December 2010, based on data supplied by the US Department of Labor. ...

Flexible Spending Account Ideas: Use It Or Lose It! (Updated 2012)

Like many of you, we have a Flexible Spending Account (FSA) that allows us to pay qualified healthcare expenses using tax-free money. (Did you know that FSA money is also exempt from payroll taxes in addition to income taxes?) I still think the idea of guessing your future healthcare expenses in a use-it-or-lose-it system is incredibly stupid, but it is what it is. ...

COBRA and Retroactive Health Insurance Coverage

Health insurance can be a complicated subject. This article is about the specific situation where you recently ended a job and havent yet started either a new job with benefits or alternative health coverage. ...

Life Insurance Advice From a Life Actuary

Life insurance tends to be one of those things that you know may be good for you, but is so easy to put off. For one, it makes you confront something uncomfortable: possibly untimely death. On top of that, some insurance products are so complicated that even the people selling them often dont fully understand. ...