You're Covered!

[insuredotcom-blog]

Ask the Health Insurance Expert

Q. Can I drop my daughter that finished college and got married?

A. Sure, but you probably have to wait until the open enrollment period at work – that’s when you can generally add or drop dependents.

Is that going to leave her uninsured though? Is she eligible for another group health plan? She can stay on your health plan until she’s 26, even if she’s married. Here’s more on getting dropped from a parent’s health plan.

[insuredotcom-blog]

Sometimes it seems the insurance industry believes that buying a life insurance policy in one form or another is a cure for any financial ill. Does that make it a good retirement investment?

[insuredotcom-blog]

Life insurance and recycling all in the same joke?! Hilarious!

[lettinggotumbler-blog]

What I Really Do

In case some of you don’t know, I’m an insurance agent. And this sums up my career succinctly. The…

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[carinsurance-blog]

Q&A: Will traffic school get me a discount?

Is traffic school a good thing or just a scam?  Will it save me on my insurance?  What about reducing points on my license?

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See, what had happened was...

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Ask the Life Insurance Expert

Q. Is there an insurance policy that pays off the mortgage when one of the insureds dies?

A. Mortgage life insurance specifically pays off a mortgage.  But I wouldn’t buy that. Instead I’d buy a regular term life insurance policy that covers the time period of the mortgage and any other large debts. Then the beneficiary can use the benefit for whatever is needed, be it the mortgage, final expenses, etc.

Here’s a good discussion about the pros and cons of mortgage life insurance from Cash Money Life.

[insuredotcom-blog]

Umbrella Insurance: The Real Reason You Need It

Here's the real reason you need umbrella insurance: garnishment of your future income. You don't need assets to need umbrella insurance, which is inexpensive anyway.

[insuredotcom-blog]

Now, don't laugh. Some people feel that they don't need homeowner's insurance. It covers damage to your home caused by fire, theft and certain natural disasters. Why wouldn't you want it?

[insuredotcom-blog]

Avoid these pitfalls to make sure your beneficiaries get what they're owed.

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They don’t make #insurance buildings like this anymore. Occidental Life building in #Albuquerque

[insuredotcom-blog]

Those gowns never fit right!

[insuredotcom-blog]

Tips for Handling Claims When Your Neighbor Has No Insurance | Equifax Finance Blog

When it comes to handling an insurance claim when your neighbor has no insurance, start with filing a claim on your own insurance policy.

[insuredotcom-blog]

Ask the Health Insurance Expert

Q. Can my insurer cancel my health insurance the same day I’m let go at work? I thought they had to by law give you till the end of the month?

A. No, there’s no law like that. Health insurance typically ends on your last day of employment. However, you should be offered COBRA, unless your company has less than 20 employees. COBRA is your opportunity to continue to buy the health plan yourself.

The employer’s health plan administrator has to notify you of your rights to COBRA within 14 days. We have more information on your COBRA rights.

[happyatdisneyworld]

Sure why not. As long as S.H.I.E.L.D. Doesn’t have to insure you.

[insuredotcom-blog]

Aww, poor pug!  Be honest, at one time in your life (probably as a little kid) you thought they ran into the wall. Right?

[insuredotcom-blog]

Ask the Health Insurance Expert

Q. My son, 14 years old, is going to backpacking for 10 days. We are looking to insure him for any possible accident.

A. A good health insurance policy should be sufficient – that would cover broken legs, infections, etc.

If you’re thinking something more severe might be possible, then maybe this trip isn’t the best idea.