You’re certain you did everything right when you put together that health insurance claim. You filled out every field on the claim form, provided an itemized bill for every single service, and even wrote a cover letter summarizing your care. But apparently, that wasn’t enough for your insurance company. In a businesslike — OK, borderline … Read more
You need life insurance to pay for your final expenses, such as your funeral and burial. It can cover expected future obligations your survivors might not be able to afford on their own, such as your kids’ college education. Or it can pay down big debts that survive you, such as a jointly held mortgage. … Read more
Next Insurance makes our list of the best small-business insurance companies because it: Caters exclusively to small businesses Offers common types of commercial insurance, such as general business liability coverage and workers compensation policies Offers more specialized business insurance policies, such as liquor liability coverage and errors and omissions coverage Shapes policies to individual businesses’ … Read more
The small business you started with your college roommate isn’t so small any longer. With a couple million in revenue and about a dozen employees, it’s humming along nicely. An independent appraiser values your respective 50% shares at more than $5 million each. Then tragedy strikes: Your business partner dies without a will or succession … Read more
Your fledgling painting business is about to score its biggest contract to date. A big-time real estate developer in your city wants to hire you to paint the interior of a new 120-unit apartment building. The job will keep your team busy for weeks and net the business tens of thousands of dollars in profit. … Read more
It’s a big decision to join the military. Members of the Armed Forces face a slew of risks to their physical safety and psychological well-being. They make many trade-offs in their personal lives as well, from frequent moves to new towns around the United States to overseas deployments that challenge even the strongest families. To help offset … Read more
If you’ve ever owned a car, you know how expensive auto insurance can be. According to AAA, a medium sedan costs an average of $1,106 per year to insure – about 15% of the total cost of owning the car. Drivers pay more each year for insurance than they do for maintenance, tires, or even gas. … Read more
In 2017, more than 676,500 American homes went into foreclosure, according to Attom Data Solutions. That’s roughly 1 out of every 200 homes in the country. This is better than the peak rate in 2010 when more than 2 out of every 100 homes were in foreclosure, but it still represents hundreds of thousands of people being … Read more
The Johnsons were terrified of losing their home. Mrs. Johnson had recently lost her job, and they just couldn’t meet their mortgage payments on one income. When they saw the flier promising to save their home from foreclosure with “Guaranteed Results,” it seemed like a godsend. The company promised that, for a fee, it could … Read more
According to the Bureau of Labor Statistics, over 16 million Americans — more than roughly 1 out of every 10 workers in the United States — are self-employed. That number includes business owners, both small and large, and people who work on their own as freelancers. Self-employment has a lot of perks, including the ability to … Read more
