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National Life Insurance: What You Need to Know in 2025 Estimated reading time: 8 minutes National Life Group continues its legacy with strong dividend payments, recognized as one of America’s Best Insurance Companies for 2025 by Forbes. Whole life insurance policies come with a guaranteed death benefit, consistent dividends, and valuable living benefits like accelerated…
Halifax Insurance: What You Need to Know in 2025 Estimated Reading Time: About 8 minutes Key Takeaways: Halifax Insurance offers a modernized, technology-driven claims process with a focus on life, health, and property insurance products. The April 2025 claims portal outage underscored the importance of maintaining physical copies of insurance documents. Halifax’s insurance industry events…
Understanding Self Insurance: A Comprehensive Guide to Managing Your Own Risk Estimated Reading Time: 10 minutes Self insurance lets businesses and individuals set aside funds to cover losses instead of buying traditional insurance. California leads with a large workers’ compensation self-insurance program regulated by the Office of Self-Insurance Plans (OSIP). Self-employed individuals face unique health…
National Health Insurance: What You Need to Know for 2025 Estimated reading time: 9 minutes Nearly 24 million consumers, including 3.2 million new enrollees, have chosen plans on the ACA Marketplace for 2025. Open Enrollment runs from November 1, 2024, to January 15, 2025, offering opportunities to compare plans and subsidies. “Medicare for All” legislative…
Third Party Liability Insurance: What You Need to Know in 2025 Estimated Reading Time: 12 minutes Understanding third party liability insurance is critical for personal and business financial protection in 2025. Motor insurance premiums are rising but newer policies offer enhanced coverage and streamlined claims. Innovations such as AI-specific liability insurance address emerging risks from…
Renters Insurance Quotes: How to Find the Best Deals and Protect Your Belongings Estimated reading time: 8 minutes Understand why renters insurance is essential beyond your landlord’s coverage. Learn the key factors affecting your renters insurance quotes, including location, coverage, deductible, and provider. Compare reputable insurance providers known for affordable renters insurance policies. Follow a…
Security National Insurance Company: What You Need to Know in 2025 Estimated reading time: 8 minutes Key Takeaways: Security National Insurance Company holds an A- (Excellent) rating from A.M. Best, indicating strong financial stability. The company specializes in competitive and tailored liability auto insurance across multiple U.S. states, including Florida and Alabama. Recent legal proceedings…
Understanding All Risk Insurance: Comprehensive Protection in an Evolving Risk Landscape Estimated Reading Time: 9 minutes All risk insurance covers all causes of loss except those explicitly excluded, offering the broadest protection. Emerging risks like climate change, geopolitical instability, and cyber threats make all risk insurance increasingly vital. Understanding exclusions and policy details is crucial…
Understanding Uninsured Motorist Coverage: Protect Yourself on the Road Estimated Reading Time: 8 minutes Key Takeaways: Uninsured motorist (UM) coverage protects you financially if you’re involved in an accident with uninsured or hit-and-run drivers. UM coverage typically includes Bodily Injury (UMBI) and Property Damage (UMPD) components for comprehensive protection. Underinsured motorist (UIM) coverage bridges the…
Business Interruption Insurance: What You Need to Know in 2025 Estimated reading time: 10 minutes Business interruption insurance protects against lost income and expenses during unexpected business closures. Coverage types include standard, contingent, and extended insurance, each addressing different risk scenarios. Indemnity periods are trending longer, with many businesses opting for 18 to 24 months…