What happens to my spouse rider in my life insurance policy after divorce?
A spouse rider is a death benefit for a spouse that is part of an existing policy rather than a policy of its own. After......
Insurance
What Is A “Needs Analysis”? Do I Need One To Determine How Much Life Insurance I Should Have?
A "needs analysis" (sometimes called "programming your life insurance") is a systematic procedure that looks at your overall life insurance and other assets (investments, social security, pension, etc...
An insurance agent has offered to review my policies and check the beneficiaries and policy provisions. Should I agree to this, or is this just another attempt to sell me more insurance?
Insurance representatives do such reviews as a service for the policyholders in order to verify and update beneficiary designations and to identify other changes that might be needed. ...
What Is Life Insurance?
What is Life Insurance?...
What Options Or “Riders” Are Available?
In addition to the standard coverages provided by most insurance policies, there are options or riders which can be added to the policy...
During A Recent Storm, My Neighbor’s Tree Fell And Destroyed My Fence. Whose Home Policy Pays For The Damage?
Homeowners are responsible for injury or damage to third parties that is caused by their ownership of property...
Who Regulates The Insurance Industry?
Insurance is primarily regulated by the state - every state has its own department of insurance that oversees insurance companies...
I rent as a single parent. What does a renters policy cover?
Renters insurance covers your personal property as well as your child's in the apartment or home that you are renting. The cost of the policy is based on the amount of insurance and the liability lim...
What Is The Coinsurance Clause In Medical Expense Plans And How Does It Work?
Coinsurance, sometimes called percentage participation, requires the insured to share in the cost of medical care...
What Are Some Common Cost-Containment Procedures Used By Insurance Companies?
In order to curtail health insurance costs from spiraling out-of-control, most insurance companies have instituted a variety of cost-containment features to their Individual and Group health insuran...
There Are So Many Different Health Plans Out There. What Does All Those Letters – Hmo, Ppo, Pos, Etc.—Mean?
HMO: An HMO (Health Maintenance Organization) is an organization that provides or arranges for coverage of certain health care services required by members of the......
I am trying to select an individual policy but the descriptions all seem to be written in some language other than English! Seriously, how on earth can I compare plans and avoid pitfalls? I don’t understand all these “initials”: HMO, PPO, EOB, EOC, etc
Trying to figure out and understand health insurance terms and policy provisions can be time consuming, but each medical insurance policy has key factors to consider before making a choice....
My under-aged daughter is pregnant. Will my grandchild also be covered on my group plan?
The insurance company can only extend coverage to a legally adopted or placed dependent child. ...
I just got married last week. When can I add my new spouse and step-children to my plan?
To add a new husband and stepchildren into a group health insurance policy, you generally have to enroll within 30 days of a marriage. For individual coverage, state laws vary, but you can apply imkme...
Glossary Of Health Insurance Words And Phrases
Actual charge: the charge(s) for a particular service/treatment by a health care provider Alternative medicine: some medical techniques once considered outside the boundaries of stand...
What Will Determine My Insurance Premium?
Insurance premiums are determined by actuaries employed by insurance companies...
Ways Health Insurance Companies Can Use Advertising To Mess With You
Most insurance companies wish to provide you with benefits due under the policy – not more than what are due, just what are due. However, sometimes because of corporate pressure, the claims adjuster...
Comprehensive vs. Non-Comprehensive Coverage in 2026 (Understand Your Options)
In a comprehensive policy, benefits are paid for service delivered in nursing facilities, assisted living facilities, adult day care centers, or at home...
What If I Miss A Premium Payment—Do I Lose My Insurance?
Long term care policies generally provide a 31-day grace period...
Do I need multiple policies to get enough coverage?
If you already have a policy, but the benefits are inadequate you should probably consider an additional policy rather than starting over with a replacement policy...
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