Insurance and Risk Management

Contrary to what the industry wants you to believe, we do not consider insurance products as investment — instead they are expenses with the specific purpose of managing your risk and that is why we group this together with the broader topic of risk management under expense management. Additionally, check out these related sections: budgeting, smart spending, and taxes.

Insurance and Risk Management is a subsection of expense management.

How to Ace Life Insurance Medical Exam and Save Money

I recently switch my life insurance from Liberty Mutual to Genworth. The first time I got my term life policy, it was difficult for me to get a decent policy because I ran into a shady […]

Do You Need a Whole Life Insurance Policy?

Do you need a whole life insurance policy? When it comes to life insurance, most people knows very little about the subject, and the many alternatives available only add to the confusion. Typically, we don’t take […]

How to Appeal a Health Insurance Claim Denial

How to Appeal a Health Insurance Claim Denial

Measures from the recently passed health care reform bill are going into effect this year, including a new process of appealing a health-claim denial. Many people find that their claims for coverage are denied, even though […]

5 Things to Know Before You Buy an Extended Warranty

5 Things to Know Before You Buy an Extended Warranty

It is getting harder and harder to find a product that does not offer an extended warranty these days. It seems like every store now offers some sort warranty on some of their merchandises. For $3, […]

The Basics of Long-Term Disability Insurance

The Basics of Long-Term Disability Insurance

According to one source, you can be up to four times more likely to become disabled during your working years than you are to die. Yet we hear about life insurance, its benefits, and the different […]

Is Accident Forgiveness Worth the Extra Money for the Coverage?

Is Accident Forgiveness Worth the Extra Money for the Coverage?

When it comes to insurance, it’s all about reducing risks. The whole point of insurance is to help you hedge against the risk that unexpected events could financially devastate you — or at least cost you […]

15 Insider Insurance Shopping Tips From State Farm

15 Insider Insurance Shopping Tips From State Farm

The follow article (Q&A) was provided to me by State Farm. After a careful review, I felt the information was useful and neutral enough to share. Regardless of what insurance company you decide to use, these […]

10 Things to Know When Buying Insurance Policies

10 Things to Know When Buying Insurance Policies

If you have ever had to make an insurance claim, you know that your premium dollars pay for very important protection. Hopefully, you enjoyed a hassle free claims process. If you did have problems getting your […]

I Don’t Want Your Freakin’ Extended Warranty…

I Don’t Want Your Freakin’ Extended Warranty…

These past weeks, my family and I have been shopping for a minivan to accommodate our extended family of 7 — and finally replacing our 11 years old Ford Contour. The experience left me wondering if […]

Life Insurance and Medical Information Bureau (MIB)

This was a rather interesting week for me.  For the first time ever, I had a life insurance agent cursed at me with an F word.  The story started last summer when I tried to purchase […]

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