While it often gets overlooked, disability insurance is an important type of coverage that can protect you from the financial impact of an unexpected illness or injury. We’ve analyzed several disability insurance companies, comparing their benefits, cost, elimination period, and definition of disability. Read on to learn about the best disability insurance companies and determine … Read more
If you don’t have anything saved when you die, how do you ensure your death doesn’t create a financial burden for your survivors? That’s where burial insurance comes in. Also known as final expense insurance, this type of whole life policy covers costs related to your death. Those can include your funeral and burial costs, … Read more
Coping with the death of a family member is always hard. But if that person dies intestate — without a will — it can be an absolute nightmare. Their nearest relatives may need to spend months sorting out the estate in court. Anyone who isn’t a blood relative — including close friends and even domestic … Read more
According to LIMRA’s 2024 Life Insurance Barometer Study, approximately 42% of Americans say they need or need more life insurance. That’s a large number of people without financial protection for their families should the worst occur. If you’ve been hesitant to get life insurance out of concern that it’s too costly, too difficult to get, … Read more
Not everyone needs every type of insurance. There are hundreds of types of insurance out there, and some are extremely obscure. Celebrity sommeliers sometimes insure their noses and palates. Nervous fiancées can buy wedding insurance. The truly paranoid can buy kidnapping insurance and even alien abduction insurance. Still, everyone should have at least two types … Read more
Driving for a ridesharing app is a reliable side hustle. Thousands of Americans earn extra income driving for Uber, Lyft, and smaller ridesharing apps. Many users assume that their app’s rideshare insurance policy protects them from the moment they log into the app at the start of a shift until they’ve dropped off their last … Read more
Diabetes is a chronic health condition caused by improper regulation of insulin, the hormone that breaks down glucose (sugar) in the bloodstream. Left untreated, it can cause a slew of complications, including cardiovascular disease, nerve damage, kidney damage, and blindness. These complications can shorten the lifespans of people with uncontrolled or poorly controlled diabetes, making … Read more
About 11.5% of American adults smoked cigarettes in 2021, according to the Centers for Disease Control and Prevention. Although smoking rates have been in decline for years, that’s almost 29 million people who regularly light up. Many, if not most, of these people need life insurance for one reason or another. But because smoking is … Read more
A slim majority (52%) of Americans have some sort of life insurance coverage, according to LIMRA’s 2023 Insurance Barometer Study. They can sleep easy knowing that their death won’t cause a financial burden for their loved ones. On the other hand, 48% of Americans aren’t covered by life insurance. Maybe you’re one of them. Maybe … Read more
If you don’t have employer-sponsored health insurance, finding affordable health care can seem like an impossible task. Yet millions of Americans survive without employer health benefits. That includes gig economy workers, small-business entrepreneurs, and others looking for self-employed health insurance options. If you’re among them, or if you have a high-deductible health plan (HDHP) that … Read more
