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Insurance

Getting Health Insurance for a Small Business Owner

Published or updated August 8, 2012 by Glen Craig

Health insurance is one of the biggest challenges for small business owners.

It’s a problem for anyone who isn’t in a government or employer sponsored plan, but small businesses have special concerns.

For small businesses, health insurance is complicated by the fact that there may be employees.  Do you just get coverage for yourself, or do you extend that coverage to your employees?

The answer is different for different businesses, but there are ways to work through the process to get the best plan to cover your specific needs.

Use an independent insurance broker

[Read more…] about Getting Health Insurance for a Small Business Owner

Filed Under: Insurance

What Insurance Policies Does Your Family Need?

Published or updated October 25, 2012 by Kevin Mulligan

Picking the appropriate level of insurance coverage for your family can be a confusing and overwhelming task.

Not only are there multiple insurance companies to choose from for the various insurance needs you have, but there are so many different types of insurance that it can be difficult to know where to start.

Critical Insurance Policies to Have For Your Family

There are five critical insurance policies every family should have.

Life Insurance

The most critical insurance policy for a family is life insurance coverage on both spouses or parents regardless if they are working or not.
[Read more…] about What Insurance Policies Does Your Family Need?

Filed Under: Insurance

How to Save Money on Auto Insurance – Easy Ways to Save Money

Published or updated October 23, 2012 by Melissa

Auto insurance is a necessary expense, but one that we often spend too much for.

Many people seem to be much more likely to look for ways to save on groceries by clipping coupons or to save on gas by driving around town trying to find the lowest per gallon price rather than looking at their auto insurance.  Often people choose their auto insurer, pay their premium every six months, and don’t think about it further.

Yet why pay more than you have to? 

There are plenty of ways to trim your costs and save money on car insurance.

Consider the following easy ways to save on auto insurance:

[Read more…] about How to Save Money on Auto Insurance – Easy Ways to Save Money

Filed Under: Insurance Tagged With: auto insurance, car insurance

To Do This Year: Buy Renters Insurance

Published or updated December 24, 2012 by Glen Craig

Since 2008 and 2009, owning a home is about as in style as teased hair.

As foreclosures continue and people end up selling their home for less than what it was worth, renting has become the new way to live.  Not owning a home takes away the investment risk that is inherent in home ownership.

If the housing market would continue to falter, you’re not out anything.

Because of the distaste towards home ownership, renting has taken off.

Rental rates continue to rise and the amount of highly sought after apartments or homes continue to fall but according to a recent survey, 57% of renters are missing an important piece of insurance:

Renters Insurance!
[Read more…] about To Do This Year: Buy Renters Insurance

Filed Under: Insurance Tagged With: renter's insurance

What Are Consumer Driven Health Plans and How do They Work for You?

Published or updated October 25, 2012 by Glen Craig

Consumer Driven Health Plans have become popular as a way to contain health care costs.

But what are consumer driven health plans and how do they work for you?

While a consumer driven health plan can substantially lower health costs to an employer, they can also result in substantial savings — and other benefits — to employees.

The plans center on health savings accounts (HSAs) and health reimbursement accounts (HRAs), and pay for up front health care costs not generally covered by regular health insurance plans.

They are typically (but not always) used in conjunction with high deductible health insurance plans that protect the beneficiary only from very large medical expenses.

The difference is then covered through either the HSA or HRA account.  This enables the employee to pay lower health insurance premiums but to budget for the higher out of pocket costs through regular contributions to HAS/HRA accounts by either the employee or employer.

The combination is named “consumer driven health care” because up-front health care costs are paid using a consumer-controlled account versus a single payer, giving the beneficiary greater control over his own health coverage. [Read more…] about What Are Consumer Driven Health Plans and How do They Work for You?

Filed Under: Insurance Tagged With: consumer driven health plan

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A Little About Me

Glen CraigI'm Glen Craig - I used to live paycheck-to-paycheck, drowning in credit card debt. I turned that all around and now I build wealth rather than debt.

My goal is to make personal finance easy for you.

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