Insurance Policy FAQs & Basics

Lance Cothern The 8 Most Common Life Insurance Riders Buying life insurance coverage to protect your loved ones financially is usually a... Life Insurance Rules: How to Prove Insurable Interest Learn about the insurable interest rule that must apply when taking out a life insurance policy on someone else. Otherwise, it could constitute insurance fraud. Kevin Mercadante How to Manage Homeowners Insurance for Home Renovations and Repairs Learn how to handle your homeowners insurance policy before, during, and after major home renovations or repairs to ensure proper coverage. Valencia Patrice Higuera Lance Cothern What To Do If You Cannot Pay Your Life Insurance Bill No one wants to go through a period of time when they can’t pay their bills.... Kevin Mercadante MIB Insurance Report: What You Need to Know & How to Get Free Copy If you’re thinking about buying life insurance, you likely have lots of... What is Credit Life Insurance and Do You Need It? Find out how credit life insurance works and whether to buy this type of policy to prevent your debt from becoming a burden to heirs and business partners. Kevin Mercadante How to Save on Life Insurance With the Ladder Strategy Learn how to use the ladder strategy to save on life insurance premiums in the long run by reducing coverage needed as time passes. Lance Cothern Kevin Mercadante How to Get U.S. Life Insurance as a Foreign National A foreign national is a person who is a U.S. citizen who lives outside the U.S.... Kevin Mercadante How to Lower the Rate on an Existing Life Insurance Policy After Health Improvements If you have life insurance and when you first applied, you were in... Tesla Insurance: How to Get Auto Insurance for Your Tesla Vehicle Learn about Tesla insurance and what it covers while you're shopping for auto insurance to insure your Tesla vehicle -- be sure to compare rate quotes. Geoff Williams Open Enrollment Period: Why It's So Important for Health Insurance Find out how the open enrollment period may apply to when you're able to apply for health insurance coverage outside of any qualifying special events. Kevin Mercadante Kevin Mercadante What Smokers Should Know About Buying Life Insurance If you’re a smoker and you haven’t shopped for life insurance, you’ll be in for a... Lance Cothern Who Should Have Survivorship (Joint) Life Insurance? Life insurance offers a way to protect your loved ones financially. If you die,... Life Insurance vs. Annuities: How Are They Different? Learn the differences between life insurance and annuities when it comes to beneficiaries and overall financial value Lance Cothern How and Why to Convert Term Life to Permanent Life Insurance Find out why you might consider converting a term life insurance policy to a permanent life insurance policy and what you can expect from the conversion. Kevin Mercadante Lance Cothern How Hybrid Life Insurance Can Also Pay for Long-Term Care As you plan for your financial future, you may have come across some scary... Lance Cothern Life Insurance & Suicide: Does Life Insurance Pay for Suicidal Death? People buy term life insurance and other types of life insurance to cover their... How Loss-of-Use Coverage Works With Homeowners Insurance Learn how loss-of-use coverage works as part of your homeowners insurance policy to reimburse you when your home becomes uninhabitable. Valencia Patrice Higuera SR-22 Coverage and Car Insurance for High-Risk Drivers Learn about SR-22 coverage as an add-on to your car insurance policy when you're considered a high-risk driver due to serious infractions, such as DUIs. Kevin Mercadante Kevin Mercadante What is a Life Insurance Waiting Period? Just about any type of life insurance policy you purchase will come with a... Geoff Williams How to Avoid Life Insurance Fraud If your family members depend on you to keep a roof over their heads, you need... Health Insurance Plan Comparison: HMO, PPO, EPO Differences Explained Compare the different types of health insurance plans that are available, including HMOs, PPOs, EPOs, and POS plans and their network coverages and costs. Valencia Patrice Higuera Split-Dollar Life Insurance Plans: How Do They Work? Learn how split-dollar life insurance plans work and what to consider before entering one of these arrangements. Lance Cothern Kevin Mercadante Vision Insurance: Do You Need It? Everyone, it seems, is concerned about health insurance. This is not only... Lance Cothern How to Get Cash Out of Your Life Insurance Policy Whether you’re in a tough financial spot or you just want to access the cash in... Rideshare Insurance: Do Uber and Lyft Drivers Need It? If you're driving for Uber, Lyft, or other rideshare company, learn about rideshare insurance and getting the right type of coverage against car accidents. Kevin Mercadante Supplemental Life Insurance: Do You Need It? Learn how supplemental life insurance works in addition to your traditional life insurance policies, how much it costs and find out if you need it. Geoff Williams Lance Cothern Return of Premium Rider For Term Life Insurance When It Expires And You Don’t Die Term life insurance is often the most cost-effective solution to protect your... Kevin Mercadante Boat Insurance: What Coverage is Needed to Insure Your Boat Boat insurance may be one of the least well-understood types of insurance, even... Can Someone Get Life Insurance If They Are Dying or Terminally Ill? Find out if someone dying or terminally ill can still buy life insurance to help the finances of loved ones. Different types of policies may be available. Lance Cothern