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Articles by: rghins

Uses of Life Insurance
Life insurance has many uses for both individuals and businesses. Some common uses include:Individual UsesFuneral - Life insurance proceeds can ensure that there is enough money for proper funeral and burial expenses.Debt - Personal bills, credit car...

Twelve Ways to Save on Your Home Insurance
Here are 12 ways to slash the cost of your home insurance. A wide variety of discounts are available, ranging from the type of building material used to build your home to how close you live to a fire station. These discounts will vary by state and i...

Tips for Buying Individual Health Coverage
There's strength in numbers, particularly when you're buying health insurance. As part of a group plan, you can enjoy a significant discount on premiums as well as comprehensive policies. But if you leave that job — or start another one that doesn't ...

Life Insurance Basics
Many of us buy life insurance because we want to make sure that our loved ones, especially dependents, remain financially secure after we die. Income replacement is the #1 reason why people buy life insurance. Non-working caregivers also have an im...

Health Insurance Basics
It's a fact of life — you need health insurance — and the time to get it is before you have an accident, suffer a serious illness, or discover you're pregnant. Insurance doesn't cover health care for medical problems or conditions that start before t...

Auto Insurance Basics
An auto insurance policy is a package of different coverage. Most states require you to purchase a minimum amount of certain kinds of coverage. But if you're interested in protecting yourself from a lawsuit or from hefty repair bills, then it makes s...

Home insurance basics
When shopping for home insurance, there’s much more to consider than how much your coverage will cost. You need to buy the right type of policy. You need the proper level of protection, plus special provisions for valuables such as jewelry, your com...


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