Steps to Take After You’ve Been Denied Life Insurance

What happens if your life insurance application was denied? No one expects their life insurance application to be denied; however, this is a definite possibility.  Typically, this happens because the insurance provider considers you too risky to insure.  However, getting denied doesn't mean that this is the end of the road.  Here are some of the steps that you can take after your application is denied. Collect Information As insurance companies consider life insurance applications, they Read More

Unexpected Home Security Tips to Employ

Try out these suggestions to prepare your home. As a homeowner, keeping your home safe from burglars should be a major priority.  While you already know to keep your windows and doors locked and home security system engaged, there are other, more unexpected ways to secure your home as well.  Here are some of the tips you can try to protect your home. Keep a Set of Car Keys by Your Bed If you have a spare car key, consider keeping it on your bedside table.  This way, if you hear a Read More

What Does Your Home Insurance Cover When It Comes to Disasters?

Protect your home from natural disasters. As a homeowner, natural disasters are an unavoidable risk.  This is why it's so important to have the right home insurance to rely on.  Unfortunately, many homeowners are not sure exactly what their policy covers when it comes to natural disasters.  To help you out, here's how your policy can protect you. Hurricane Coverage If your home is in the path of a hurricane or tropical storm, then your home may sustain damage from high winds, heavy Read More

What Happens If You Don’t Exchange Information After an Accident?

What to do if you're in an accident and don't get the other driver's info. There are many reasons why you may fail to exchange information with another involved driver after an accident.  However, not having the other driver's information does not need to throw you for a loop.  Here are some of the steps that you can take to deal with the situation. If You Forgot to Exchange Information If you just got caught up and completely forgot to exchange information with the other driver, then Read More

Tips for Choosing a Tree for Your Yard

What to consider when choosing a tree. If you are landscaping your yard, then adding fresh greenery is a great way to boost the aesthetic appeal of your property.  Planting trees is a popular way to create visual interest and add value to your home.  But selecting a tree requires much more thought than simply choosing whatever looks the prettiest.  Here are some of the things to consider when choosing a tree for your yard. Match the Tree to Your Climate Before you start looking at your Read More

How E-Cigarette Usage Affects Life Insurance Costs

Does vaping affect your life insurance? When determining your premiums, life insurance providers will consider many personal factors.  Not only will they look at your current state of health, but they will also take into account any habits that they consider dangerous.  One of the unhealthy habits that will affect your life insurance costs is smoking.  But does using e-cigarettes to vape affect your rates the same as smoking traditional tobacco products?  Here's what you need to know. How Read More

Understanding Additional Living Expenses Insurance

What does additional living expenses coverage do for you? Homeowners insurance is made up of four main coverages: dwelling, personal property, personal liability, and additional living expenses.  While most policyholders understand how these first three coverages work, they may not even know that additional living expenses coverage exists.  Here is what homeowners need to know about this important type of insurance. Understanding Additional Living Expenses Insurance Additional living Read More

Do Out of State Speeding Tickets Raise Your Auto Insurance Rates?

What to know about moving violations that occur out of state. While you understand that getting a speeding ticket will cause your auto insurance premiums to rise, is this still true when you receive the violation while driving out of state?  Here is what drivers need to know about their car coverage and out of state speeding tickets. How Speeding Tickets Affect Auto Insurance Rates Receiving a speeding ticket causes your insurance rates to increase because your insurer sees you as Read More

Public Wi-Fi Safety Tips

Stay safe as you connect to public Wi-Fi networks. Today, it seems like every coffee shop, store, and restaurant is offering its customers free Wi-Fi.  While these public networks are convenient, this doesn't necessarily mean that they are safe.  To ensure that you and your personal information are safe, here are some of the safety suggestions that you should try. Turn Automatic Wi-Fi Connections Off on Your Devices Rather than allowing your laptop, tablet, and smartphone connect to any Read More

What are the Best Life Insurance Options for Seniors?

Life insurance policies that seniors should consider. While many seniors feel comfortable forgoing life insurance, others are interested in securing this financial protection.  If you are a senior looking for life insurance, you may not know which options are best for you.  Here are some of the policies that may be a good fit for your needs. Term Life Insurance Term life insurance policies are a great option for seniors who are in good health because they require a medical exam.  These Read More