As painful as it may seem, advance planning can help you avoid legal battles and other emotionally exhausting experiences during one of the most difficult times of your life. If you have children or complicated financial assets, it’s even more crucial that you plan now to protect them later. Get legal advice. Check your wills. [...]

Your need for life insurance may decrease over time, allowing you to reduce or eliminate insurance premiums and benefit from accrued cash values. Stop making premium payments on any term coverage that is no longer necessary for your designated beneficiary. Reduce the death benefit of a policy if some coverage is still needed. Call the [...]

The best life insurance to have is the kind that is in force when you die. But since most of us live a long time, some thought should go into the type of contract we choose. Determine how long you want your life insurance coverage to be in effect – for example, from now until [...]

“Borrow” money from a cash value life policy as an absolute last resort. If you own a home, consider an equity line before borrowing from your cash value. With an equity line, your interest is deductible and you will most often get a better rate than the insurance company is willing to offer. (See How [...]

Having too little life insurance can be devastating to your family should you make an early exit. Having too much is an utter waste of money. That makes knowing how much you need–and what type of coverage is best for you–a critical decision. Determine if you need life insurance. If no one, such as a [...]

Progressive Auto Insurance is available from The Progressive Group and offers auto, commercial auto, motorcycle, personal watercraft, boat, Segway, snowmobile and RV insurance. Progressive Insurance is sold through independent insurance agents (licensed insurance professionals who choose among many insurance companies and match insurance that is most tailored to your needs). Drive offers quality insurance at [...]

Insurance Training is being offered in many universities in United States of America. Many of these universities offer choice both correspondence and classroom education. The courses are designed related to specific areas like Risk and property management, Agent broker pre licensing, worker’s compensation etc. There are also many institutes which offer online courses beneficial to [...]

As the end of the first decade of the new century approaches, insurance companies are realizing a need for change and innovation within their industry. The urgency to make these changes is underscored by several external forces that will continue to take shape over the next several years. Insurers must begin preparing for the future [...]