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Death is uncomfortable to think about. Most of us prefer not to contemplate what will happen when we die, let alone how our loved ones will respond. It often takes a disaster or tragedy that’s impossible to ignore, such as a serious health scare, to finally make us take the subject seriously. But a reluctance … Read more
If you have an existing FHA mortgage, you may qualify for a special type of refinancing product known as an FHA streamline refinance. Although it’s important to do your due diligence and carefully consider other refinance options — as well as the option to do nothing — homeowners who refinance through this program are often … Read more
People buy life insurance policies for a slew of reasons. But policyholders generally have the same broad goal in mind: ensuring their death doesn’t create an undue burden for those left behind. That burden can take many different forms. And, of course, one individual’s death can create multiple types of burdens, from the loss of … Read more
Allstate is an American institution. It competes against national, full-service insurance companies, including Progressive, Geico, State Farm, Liberty Mutual, Nationwide, and a host of regional insurers. Like State Farm, it still relies heavily on local agents at a time when other companies have cut costs and premiums with a direct sales model that leans heavily … Read more
Update: MassMutual Life Insurance has made the decision to end operations of Haven Life Insurance by the end of 2023. Most working-age adults need some amount of life insurance coverage. That’s where a low-friction digital underwriting solution like Haven Life comes in. It offers two term life insurance policies with affordable premiums and terms long enough … Read more
You’ve heard the expression, “Hope for the best; prepare for the worst.” Whatever your feelings are about the phrase itself, you’re probably willing to acknowledge that hoping for the best while preparing for the worst is sound practice. All that’s required to upend the most meticulously laid plan is one unexpected occurrence beyond your control. … Read more
Whether it’s auto insurance, homeowners or renters insurance, or life insurance, chances are good you have at least one personal insurance policy to your name. It’s a little easier to sleep at night knowing you and your loved ones have some measure of financial protection should your luck turn. Can you say the same for … Read more
If you’re like most Americans, buying a house is the largest single investment you make in your life. It’s also likely you’re financing the purchase with a mortgage loan. But mortgages come in many varieties, most of which aren’t appropriate for your situation. If you have limited savings or less-than-perfect credit, a Federal Housing Administration-insured … Read more
Your medical provider usually files health insurance claims on your behalf. You don’t have to deal with the potentially frustrating process of completing and filing your claim — not to mention awaiting approval from your insurer. But you may encounter situations when you must file your own health insurance claim. In an emergency, you might … Read more
There are many reasons people buy life insurance, but there’s one thing just about every policyholder has in common. Should they die while the policy is in effect, they want to provide financial protection for their loved ones. If you’re a life insurance beneficiary, you share in this promise of financial protection. But it’s not … Read more
