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The word trust is applied to all types of relationships, both personal and business, to indicate that one person has confidence in another person. For our purposes, a trust is a legal device for the management of property. Through a trust, one person (the grantor or trustor) transfers the legal title to property to another person (the trustee), who then manages the property in a specified manner for the benefit of a third person (the trust beneficiary). A separation of the legal and…

It was a world-famous heart surgeon, Dr. Marius Barnard, who created critical illness insurance, as he saw how the financial stress that accompanied cancer, heart attack and stroke was killing his patients. This type of insurance typically gives you a lump-sum cash payment if you are diagnosed with one of the illnesses specified in your critical illness policy. No matter how you’d use the money, critical…

In rare cases, FSA plan documents specify that any remaining contributions must be taken from your last paycheck when you leave your job.

Professional Liability Insurance
Professional Liability insurance (also called Malpractice or Errors and Omissions insurance) is coverage that protects a qualified professional against claims alleging negligent acts, errors, or omissions in the performance of providing professional services (defined as those services for which one is certified, licensed, accredited, trained, being trained, or otherwise qualified to provide as specified in a given insurance policy).
All practicing...

Term life insurance, also called term protection life insurance, is an insurance product that provides insurance on a specified amount of c...

Life insurance is a legal contract between an insurer and a policyholder, whereby the insurer promises to cover a specified amount of mon...

If you have ever purchased auto insurance, then you have had an auto insurance quote. An auto insurance quote is an estimate of what auto insurance will cost you with a certain company for a specified period of time, generally, six months or one year. When you call or fill out a form online, an …

Tying the knot? Getting hitched? Taking the plunge
Whatever you call it, marriage is an amazing, transcendent, and beautiful thing…with a whole lot of implications.
If you’re preparing to walk down the aisle, or even if you’ve recently thrown the bouquet, it’s important to remember a few key pieces of business to take care of, between planning the seating arrangements (remember Uncle Joe cannot sit next to Cousin Steve!) and trying wedding cakes.
1. Make sure to cover the ring
If you already…

A homeowners insurance deductible is a specified amount of money that you agree to pay to the home insurance company before a claim can be made. Your homeowners insurance deductible influences the price of your home insurance premium. For example the higher you choose your deductible to be, the lower your premium will end up … What Is a Deductible for Homeowners Insurance? Read More »

Your auto insurance declaration page is a summary of your car insurance policy. Often it is provided to you by your car insurance company. The auto insurance declaration page will include name of your auto insurance company, policy number, policy term, types of coverage, limit of coverage, cost of coverage and specified vehicles covered under … What is an auto insurance declaration page Read More »

New Parents Need To Get Smart on Coverage Options
A new baby touches every facet of a family���s life, including their finances. According to the National Center for Health Statistics, more babies are born in August than in any other month. The National Association of Insurance Commissioners (NAIC) suggests these steps to help new parents protect their growing family
Health Insurance
Understand your coverage before the…

As a website, ProfHacker is very much of the smartphone age. (Heck, we’ve been around so long that we have posts wrestling with the concept of even trying one .) We’ve reviewed countless apps over the years, and detailed myriad workflows for making the phone a useful part of academic life, rather than just a way to kill time
Things do change, however, and in 2018 much of the discussion about smartphones is increasingly about the ways in which their apps, services, and…

A marketing plan outlines campaigns that will be executed over a specified period of time, defines resources, and details … More

Life insurance isn’t something people generally like to think about. Unfortunately, some people avoid it out of not fully understanding it. Even though thinking of needing life insurance is scary, it doesn’t have to be. It is very important to think of it and educate yourself on what it actually is and what life insurance actually does
Understand the types of life insurance available before making a decision on which to purchase. Most insurance policies focus on Term Life or Whole Life and…

Due to increasing life expectancies, many are running into the problem of outlasting their savings. Use this calculator to help determine when your retirement savings account may be depleted given a specified monthly income target. You may currently be in receipt of a company pension or other fixed income such as Social Security to help supplement your retirement savings account
The results and explanations generated by…

Dec 11, 2017 | John S Kiernan, Senior Writer & Editor
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Countries all around the world have their own unique New Year’s traditions. Many places feature customary cuisine, such as lentils (Brazil and Italy), suckling pig (Austria) and grapes (Spain). Others get a bit more creative. The Danish, for example, smash broken china on friends’ front doors, supposedly in a sign of affection. But you obviously don’t need to go global to learn a lot about New Year’s
We have plenty…

“Never let insurance be the reason you don’t expand or do something cool.” That’s the advice Jeff Bykowski, SECURA’s Specialty Business Development Manager, has for campground owners. “If you want to grow, you just need to find a partner that will grow with you,” he says
For Jeff, working with campground owners is just plain fun. Perhaps that’s because SECURA can say yes where other insurance…

Fixed vs. variable annuities
In a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth of the annuity’s value and/or the benefits paid may be fixed at a dollar amount or by an interest rate, or they may grow by a specified formula. The growth of the annuity’s…

Getting noticed on the internet is tricky
Your insurance agency website is your online storefront. Your goal is to sell your products. Imagine you were driving down the online highway. There were thousands of signs for businesses along the road. How would you know which business offered what you were looking for
Keywords.
You might’ve heard the word keyword used concerning your insurance agency website content…

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Private mortgage insurance (PMI) is an extra type of insurance your mortgage company may require you to pay for if you are unable to provide the full down payment the mortgage company requires. That minimum is typically around 20 percent of the total value of the home. Unlike a good home insurance polic y, private mortgage insurance is not an ideal option for many new homeowners. It results in significant wasted…