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Category: Risk Management

Types of Life Insurance

What Are the Basic Types of Life Insurance? One of the best ways to protect against the financial consequences of a primary wage earner’s premature death is life insurance. However, only about 6 out of 10 Americans actually own life… Read more

Long-Term-Care Needs

How Likely Am I to Need Long-Term Care? If you were to suffer an illness or disability that required long-term nursing care, would you be covered? Maybe not. The vast majority of Americans go through their lives reassuring themselves that… Read more

Medicare Coverage

What Does Medicare Cover? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major… Read more

Long-Term Care Costs

Am I Prepared for Long-Term Care Expenses? In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you… Read more

Evaluating Insurance Companies

How Can I Determine the Financial Strength of My Insurance Company? How do you compare life insurance companies? What features do you examine? What criteria do you use? How do you know what to look for? Making sure that your… Read more

HMOs and PPOs

What Is the Difference Between an HMO and a PPO? Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types of managed health-care plans and… Read more

Additional Liability Coverage

How Can I Extend My Liability Coverage? In this litigious society, no one is immune from potential lawsuits. Anyone with significant assets might need protection from the devastating effects of a liability lawsuit. Elected officials and members of boards may… Read more

Types of Health Coverage

What Types of Health Coverage Are Available? Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many Americans face such costs. However, people who are… Read more

Assessing Disability Income Insurance

Do I Need Disability Income Insurance? Although most of us are aware of the need for health insurance coverage when determining our risk-management needs, many of us fail to consider the possibility that we could become disabled. A disability income… Read more

Protecting Your Home

How Can You Protect Your Home? Your home is one of your greatest assets, and it should be well protected. It is startling to consider that an estimated 60% of American homes are inadequately insured by an average of 17%.1 … Read more