Author: James Berkeley

  • What life insurance company does Dave Ramsey recommend?

    Dave Ramsey recommends the insurance company Zander Insurance Group. Founded in 1925, they are one of the largest independent life insurance agencies in the United States, offering their clients a range of term and permanent policies as well as various annuity options. They also specialize in helping people purchase disability income protection and long-term care…

  • Do all jobs offer health insurance?

    No, not all jobs offer health insurance. Benefits and offerings can vary greatly from job to job, depending on the company size and type of organization. Some jobs may require that employers provide health insurance while other employers may only offer it as an optional benefit for employees to purchase. Contents: Benefits of Health Insurance…

  • How much is insurance for teenage drivers?

    The cost of car insurance for teenage drivers can vary greatly based on several factors, such as the teen’s age and driving history. Generally, young drivers can expect their premiums to be higher than an older driver due to the increased risk associated with inexperienced drivers. Specific types of coverage (e.g. full coverage versus liability)…

  • How is the tax credit calculated for health insurance?

    The tax credit for health insurance is calculated based on household size and income. The amount of the credit is determined by a sliding scale, in which households with lower incomes qualify for larger credits. In addition to considering income, the calculations also factor in the cost of premiums in different areas and other factors…

  • Do you have cancer but no insurance?

    No, I do not have cancer and I do have health insurance. Having health insurance allows me to access appropriate medical care if needed in the future. My insurance helps provide coverage for any potential treatments that could be necessary should I ever develop cancer or another serious illness. Contents: Overview of the Situation Financial…

  • Does homeowners insurance increase every year?

    Yes, homeowners insurance increases every year. Premiums are based on a number of factors including current inflation rates, local building costs, the age and condition of your home, and other risk factors like crime rate in your area. These elements can change annually so it is important to stay informed about them to make sure…

  • What eye places accept EyeMed insurance?

    Eyemed insurance can be used at many eye care providers, including optometrists, ophthalmologists, and specialty retailers. EyeMed has a network of over 65,000 providers in the United States that accept Eyemed insurance. These include national chains such as LensCrafters and Pearle Vision, as well as regional chains like Stanton Optical and National Vision Inc. Local…

  • How does USPS insurance work?

    USPS insurance is a service that provides reimbursement to customers for lost, damaged, or misdelivered packages. Customers can purchase insurance for USPS mail-classes such as Priority Mail Express, Priority Mail, First-Class Package Service and Parcel Select. The maximum amount of insurance coverage available is $5,000 depending on the mail-class purchased. Customers who have purchased insured…

  • Can I obtain my life insurance before I pass away?

    Yes, it is possible to obtain a life insurance policy before you pass away. Life insurance policies typically involve paying premiums either on an annual or monthly basis, and in exchange for the payments, the beneficiary of your policy will receive a death benefit upon your passing. Depending on the type of life insurance policy…

  • Where can I get cheap prescription glasses without insurance?

    Online retailers such as Zenni Optical, GlassesUSA, and EyeBuyDirect are known for their affordable prices on prescription eyeglasses. These stores usually offer promotional pricing and discounts, so it is important to check their websites regularly for sales. Many optical stores in physical locations may have specials that can help you find low cost glasses without…

  • What is commercial business insurance?

    Commercial business insurance is a type of insurance that covers the potential risks and liabilities associated with running a business. These policies can help protect the owner’s financial security by providing protection against unexpected losses due to liability claims, damage or theft of property, and other potential liabilities. This coverage often includes general liability insurance,…

  • Where can I get blood work done without insurance?

    Many medical centers, hospitals, and urgent care clinics offer blood work for patients without insurance. Many places will provide discounted or sliding scale fees based on income level. Online websites may be available that can connect you to a lab in your area where you can get affordable or even free tests done. It is…

  • How much does a business insurance policy cost?

    The cost of a business insurance policy varies depending on the type and level of coverage needed. Generally, business insurance policies can range from $500 to $5,000 per year for small businesses. Factors such as the type of business, number of employees, location and past claims history can affect the premium amount. Businesses should evaluate…

  • Does it cost more to insure a Tesla?

    Yes, it typically costs more to insure a Tesla than other vehicles. This is primarily because of the higher repair and replacement costs associated with Tesla’s luxury components. Teslas are often more expensive to purchase than other vehicles, which translates into higher insurance premiums for drivers. They can be perceived as riskier investments due to…

  • Why is homeowners insurance required?

    Homeowners insurance is required to protect homeowners from financial losses that result from property damage. It covers the costs of repairing and replacing damaged items in the home as well as liability coverage should someone be injured on the homeowner’s property. It can provide peace of mind for homeowners who are worried about the possible…

  • Does USAA cover rental car insurance?

    Yes, USAA does offer rental car insurance. It provides reimbursement for rental vehicles damaged in an accident or other covered loss while they’re rented in your name. This coverage is available to members through their automobile insurance policies and a range of optional coverages can be added to provide additional protection. Contents: Overview of USAA…

  • Do females pay more for car insurance?

    Yes, females typically pay more for car insurance. This is because statistics have shown that female drivers are less likely to be involved in accidents and file fewer claims than male drivers. Insurance companies take this into account when determining how much they charge for premiums, so women may see higher rates on their policies…

  • What insurance is good for pregnancy?

    Pregnancy insurance is a type of health insurance specifically designed to provide coverage for the medical costs associated with pregnancy and childbirth. These types of plans typically cover routine prenatal care, labor and delivery costs, hospital stays and postnatal care. Some plans may also offer additional benefits such as genetic testing or coverage for fertility…

  • Is prepaid insurance considered an expense?

    Prepaid insurance is considered an expense since it represents the payment of future liabilities. Prepaid insurance payments are allocated over multiple accounting periods, reducing each subsequent period’s risk exposure to unexpected losses and increasing their corresponding expenses. Therefore, prepaid insurance is expensed in accordance with Generally Accepted Accounting Principles (GAAP) guidelines. Contents: Definition of Prepaid…

  • When can you get rid of PMI insurance?

    PMI insurance can be removed when the homeowner has paid enough of the mortgage principal so that their equity in the home is equal to or greater than 20% of the value of the property. If an appraisal shows that the current market value of the property exceeds its loan amount by at least 25%,…

  • What is the Pennsylvania state minimum car insurance coverage?

    The minimum car insurance coverage in Pennsylvania is set by the Financial Responsibility Law. This requires motorists to purchase liability coverage with at least $15,000 for injury/death of one person, $30,000 for injury/death of more than one person and $5,000 for property damage. Uninsured motorist coverage must be purchased in an amount no less than…

  • Is Turo insurance worth it?

    Yes, Turo insurance is worth it. It provides rental car coverage that includes physical damage protection, liability coverage, and personal effects protection at an affordable price. The insurer offers 24/7 customer service to answer any questions or concerns about policies or claims. This can be invaluable in case of an accident or other incident while…

  • How good is AIG life insurance?

    AIG Life Insurance is highly rated, receiving strong ratings from many independent rating agencies including A.M Best and Fitch Ratings. The company has a long history of providing reliable coverage for its customers and offers competitive rates and excellent customer service. They are also known for their wide range of policies to fit the needs…

  • Can you work part-time and still receive health insurance?

    Yes, you can work part-time and still receive health insurance. Many employers offer part-time employees access to company-provided health insurance plans. Some employers may even subsidize a portion of the cost of coverage. It is also possible for individuals who work part-time to purchase individual or family health insurance policies from private insurers or through…

  • Does Navy Federal have insurance?

    Yes, Navy Federal Credit Union offers a variety of insurance options including auto and home insurance coverage, as well as life and health policies. They offer travel insurance, credit card protection plans and more to help protect you from unexpected losses. They also provide access to an investment portfolio for members so they can plan…

  • Can I get health insurance if I’m pregnant?

    Yes, you can get health insurance if you are pregnant. Most health insurance providers offer coverage for prenatal care and childbirth as part of their plans. If you are looking for an individual plan, the Affordable Care Act requires all health insurance companies to offer maternity coverage on all new individual policies regardless of pregnancy…

  • How do I get a breast pump through my insurance?

    To get a breast pump through your insurance, the first step is to contact your health insurance provider. You should be able to find their phone number or website online. During your call or visit, ask them specifically if they cover any part of the cost of a breast pump and what type of pump…

  • How do I find my insurance policy number?

    1. To find your insurance policy number, contact your insurance provider and ask them for the information. They can usually provide it to you over the phone or via email. You can check any paperwork that was provided when you first signed up for the policy as your policy number is typically listed on those…

  • Is Fundrise insured?

    Fundrise offers the eREITs and eFunds platform, which are both FDIC-insured. The investments on their platform are covered by up to $500,000 of deposit insurance from the FDIC. Fundrise uses bank partners with A+ ratings from S&P for its lending activities, providing additional security for investors. Contents: Types of Insurance Benefits of Fundrise Insured Products…

  • How much bodily injury insurance should I have?

    It is important to consider your personal circumstances when determining how much bodily injury insurance you should have. The amount of coverage you need depends on a variety of factors such as the number and age of household members, your medical history, the probability that you could be sued for damages due to an accident,…