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When initiating a new homeowners insurance policy, the result can always be a gamble. Will my insurance premium be too high? Should I worry about coverage limits? Will I need to purchase additional coverage? All these questions come to mind when researching insurance carriers. And if you’re a dog owner, you’ll have one more: Will […]
Homeowners Insurance and Dogs: What You Need to Know Read More »
You swerved for a skunk and wrecked your ride; now your car insurance is going to double, right? Not necessarily. With the right insurer—or some clever maneuvering—you can still save money on car insurance after an accident.If you’ve been in a car accident recently, there’s a good chance your insurance premium is about to go
7 ways to keep car insurance low after an accident Read More »
Dear Penny, I’m a single mother, and I’m trying to best plan how to protect my daughter if I were to pass. I have a life insurance policy, but it’s only $10,000. Her 529 plan is only 2 years old, and I have my own small savings as I’m starting my career. If anything were
Dear Penny: Can My Daughter Inherit Life Insurance if She’s Still a Minor? Read More »
Kate Ashford, CSA® writes for NerdWallet. Email: kashford@nerdwallet.com. Twitter: @kateashford. The article CarePlus Medicare Advantage 2023 Review originally appeared on NerdWallet. https://www.nerdwallet.com/article/insurance/medicare/careplus-medicare-advantage #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp
CarePlus Medicare Advantage 2023 Review Read More »
Amerigroup is one of the brands of parent company Elevance Health. Amerigroup-branded Medicare Advantage plans are available in seven states as part of the Blue Cross Blue Shield collective. Amerigroup plans offer competitive premiums and $0-premium options, but their ratings for both quality and member satisfaction are below average. Here’s what you should know about…
Amerigroup Medicare Advantage 2023 Review Read More »
Pros: Multiple insurance products available. AAA membership includes benefits such as roadside assistance and travel discounts. Cons: A membership fee may be required. Some AAA-branded insurance providers have stronger offerings than others. May have to switch insurers if you move states. Bottom line: AAA home insurance is worth considering if you’re a member of AAA…
AAA Homeowners Insurance Review 2022 Read More »
The Hartford offers policies designed for older homeowners through its partnership with AARP. The company has been the provider of AARP home insurance since the 1980s. However, you don’t need to be an AARP member to buy insurance from The Hartford. Non-members can get coverage through independent agents. The Hartford is one of the insurance…
The Hartford/AARP Homeowners Insurance Review 2022 Read More »
Founded in Madison, Wisconsin, American Family sells homeowners insurance and other policies in 19 states. You can customize an American Family home insurance policy with a variety of add-ons, including coverage for identity theft, valuable jewelry or the breakdown of major appliances. The company also has several discounts you might be able to use, plus…
American Family Homeowners Insurance Review 2022 Read More »
I have never bought travel insurance in my life — and I’ve still received thousands of dollars in compensation when things have gone awry.I have never bought travel insurance in my life — and I’ve still received thousands of dollars in compensation when things have gone awry. The post Is travel insurance worth it? appeared
Is travel insurance worth it? Read More »
Pros: Low volume of consumer complaints. Many discounts available. Cons: Not available in all states. No online quotes or mobile app. Bottom line: Coverage available through local agents in 20 states. As its name implies, Homeowners of America sells mainly homeowners insurance, though it also offers renters, condo and landlord policies in select states. The company…
Homeowners of America Home Insurance Review 2022 Read More »
If you’re looking for a simple life insurance policy that you can obtain quickly and for the lowest possible premium cost, you need to check out Ladder Life. They offer a streamlined, all-online application process that can get your application approved in a matter of minutes. And many applicants will not be required to take
Ladder Life Insurance Review – November 2022 Read More »
The vast majority of Americans need life insurance. But with so many different insurance policies and providers, how can you find the right life insurance policy for you and your family? Sproutt Insurance is trying to help by putting a unique spin on the insurance application process. Sproutt doesn’t sell its own insurance policies –
Sproutt Life Insurance Review: Is it Legit? Read More »
While not required by law, many landlords require their tenants to purchase renters insurance. Renters insurance offers coverage for property damage, personal liability and additional living expenses if something happens at or to your rental. It can be a smart policy to hold, whether it’s required or not. When Is Renters Insurance Required? Some landlords
Is Renters Insurance Required? Read More »
Deciding whether or not to have life insurance is an individual decision. Whatever you decide to do or not do, it’s important to make an informed decision that’s best suited to your family’s needs. To help you learn more about life insurance, let’s debunk some of the biggest life insurance myths. This post is brought
Top 10 Biggest Life Insurance Myths Debunked Read More »
Annuities are insurance products that provide income during retirement. They’re great for that purpose, but they’re also illiquid and can be difficult to get out of in some cases. Find out if you can get out of your annuity at all, and under what circumstances if so. The post Can I Get Out of an
Can I Get Out of an Annuity? – Penalties for Cashing Out Early Read More »
Medicare open enrollment starts today, but 7 in 10 Medicare beneficiaries say they don’t compare Medicare plans during this period, according to a 2021 analysis by KFF, a health policy nonprofit. That’s not great, since Medicare Advantage plans — which operate much like the private insurance you may have had through an employer — change…
How to Change Medicare Plans — and Why You Might Want to Read More »
The Medicare income-related monthly adjustment amount, or IRMAA, is a surcharge on Medicare premiums for Medicare Part B (medical insurance) and Part D prescription drug plans. It applies only to Medicare beneficiaries who have a modified adjusted gross income above $91,000 ($97,000 in 2023) for an individual return and $182,000 ($194,000 in 2023) for a…
What Is the Medicare IRMAA, and When Does It Apply? Read More »
Is Medicare Advantage free? Sort of. In 2022, 69% of Medicare Advantage members are in plans with no monthly premium, according to KFF, a health policy nonprofit. That means members pay $0 for the plan. Medicare Advantage plans are a bundled alternative to Original Medicare. They include Medicare Part A (hospital insurance), Part B (medical…
Is Medicare Advantage Free? A Guide to No-Premium Plans Read More »
Medicare beneficiaries will pay less for their Part B premium next year, the first decrease in a decade. Other Medicare costs, like Part A deductibles, are on the rise. Here’s how it breaks down. Medicare Part B Premiums Will Decrease in 2023 The standard Medicare Part B premium will be $164.90 a month in 2023,
Medicare Part B Premiums Are Going Down in 2023 — Here’s Why Read More »
Your Medicare card is a very important piece of identification. It’s proof of your health insurance benefits. You’re often required to present your Medicare card when seeking care. Without it, you could end up paying a lot more out of pocket. You’ll receive your card in the mail along with your “Welcome to Medicare” packet
How to Replace Your Medicare Card If It’s Lost or Damaged Read More »
