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Q. How do I Get Cheaper Homeowner’s Insurance?

A. With thousands of different insurance companies offering varying rates it pays to shop around and compare the premiums on offer.

In the past this would have meant trawling through the phone b...


Q. Next Week I am Going Overseas, Should I Bother with Travel Insurance?

A. Most definitely, travel insurance provides protection at a price that is worth what I consider much more. The variables that are outside the control of even the most carefully planned vacation are ...

Q. Can I Please Receive a Summary on Medicare Coverage?

A. Firstly Medicare is the Federal health insurance program available to those aged 65 years or older. Some disabled and people with end-of-stage renal disease are also eligible.
Enrollment for ...

Q. A Friend Told me of Credit Insurance. What is This?

A. This is a policy that insures commercial accounts receivable against nonpayment. This policy will guarantee payment in accord with the terms and conditions of the policy. Also included is merchandi...

Q. I Pay More for my Life Insurance Because I Smoke. Is This Discrimination?

A. It is discrimination but unfortunately for you it is justified discrimination not criminal. There are numerous factors that determine how much you pay for your life insurance premium. Insurance act...

Q. I heard that some people pay as little as $300 a year for homeowners insurance, Is this possible?

A. This is possible if all the factors that determine your homeowners policy combine. Unfortunately this is a highly unlikely scenario. You must have a unblemished credit history, you have never made ...

Q. I was Told That I Need Nonstandard Auto Insurance. What is this?

A. This is terminology to describe those drivers whose past underwriting experience makes it almost impossible for them to obtain standard or preferred rates of auto insurance.

Drivers with seri...


Q. I Need to Find out What a Health Savings Account is?

A. A HSA is a medical savings account that allows you to set aside money for current and future medical expenses tax free. There are conditions on obtaining an account. First...

Q. Can you tell me what is a High-Deductible Health Plan?

A. A High-deductible health plan (HDHP) is about being more liable for your medical expenses with the advantage of paying lower premiums. For instance if your deductible is $...

Q. Can I receive the COBRA discount if I work at a business with less than 20 employees?

A. This is dependent if your state has a “mini-COBRA” law. The law is similar to the customary law but for a shorter period of time in most cases. There has been extensions to the length of the of cov...

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