According to the Bureau of Labor Statistics, 72 percent of all full-time employees in private industry had access to life insurance through their employer. Group life has its pluses, but most families will need additional coverage. Here’s why. Continue reading “Life Insurance: Why Group Benefits Aren’t Enough”
Electronic cigarettes, or e-cigarettes, are growing in popularity. How will they affect your health…and your insurance coverages?
Tobacco vs. E-Cigarettes
Cigarette smoke contains more than 4,700 chemical compounds, Continue reading “E-Cigarettes and Your Health”
Carbon monoxide poisoning causes an estimated 15,200 people to visit an emergency room or miss at least one day of work per year. But because carbon monoxide exposure creates nonspecific effects that are easily misdiagnosed, the actual toll of carbon monoxide poisoning is probably much higher. Continue reading “Protect Yourself from Carbon Monoxide Poisoning”
Personal risk management includes knowing your policies and what they cover. The following article will help you understand the various parts of your personal auto policy (PAP) and what to look for.
When you buy auto insurance, you enter into a legal contract with your insurer. Continue reading “Auto Insurance: How to Know What You Are Buying”
A bully in your workplace can affect morale, increasing stress levels for fellow employees—and possibly increasing your workers’ compensation costs. Continue reading “Bullying: Another Form of Workplace Violence”
Many studies have shown the positive benefits of having pets. You would likely agree. If you’re like most Americans, 39 percent have at least one dog and 33 percent have at least one cat. And many Americans consider their pets as family members. Continue reading “Pet Insurance: Coverage for Our Four Legged Family Members”
And you thought dropping your cell phone in a puddle was bad. Recently, a friend’s daughter accidentally dropped her brand-new iPhone in a porta-potty at a high school football game. To make matters worse, this was the second time she’d lost or damaged a phone in only a few months. Continue reading “Should I Get Mobile Phone Insurance?”
We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Continue reading “How To Handle a Claim”
Target and its customers are continuing to feel the repercussions of a massive data breach, where hackers gained access to data from some 40 million debit and credit cards of Target shoppers during the holiday season. The lesson for other businesses is clear: If the country’s third-largest retailer, with its resources and sophisticated systems, can have a data breach, any business can. Continue reading “10 Cyber Security Tips for Small Business”
For many people, a chronic condition such as heart disease or cancer starts a downward spiral of declining health and rising bills. A life insurance policy can help you improve end-of-life quality—here’s how. Continue reading “Life Insurance Benefits for the Living”