How To Save On The Cost Of Disability Insurance

How To Save On The Cost Of Disability Insurance

When To Buy InsuranceYou need to have disability insurance to provide you with income protection in the event you are hurt and cannot work. It is not a matter of if you will get hurt but when.

Over 30% of all workers will be injured during their working lifetime and not be able to work. This could be devastating to your finances of course if you are not prepared. But, there are ways to reduce the cost of disability insurance for you and your family.

Save On The Cost Of Disability Insurance

How will you pay your monthly expenses if not only do not earn an income but simply cannot physically do any work to earn additional income. How will you family survive?

That is why having disability insurance is so important. You are statistically four times more likely to be disabled and not be able to work than to die in your 30s.

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Should You Buy No Exam Life Insurance

This is a guest post by Jeff Rose who is a certified financial planner and blogs at GoodFinancialCents. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. If you have ever considered buying life insurance online, you may have come across advertisements that claim, “Life insurance with no exam”, or “How to get your life insurance fast by avoiding a medical exam”. We get quite a few people that contact our office inquiring about these life insurance products. If you’ve ever consider going the no exam life insurance route, it’s important you weigh these considerations before you do so. Who Needs No Exam Life Insurance? If you are in good health, have no time … Read more

Getting Cash For Annuity Payments Can Make Life Easier

money-roll-03-26-09Many individuals are seeking cash for structured settlements received as a result of winning a lawsuit. While they are grateful for getting timely annuity payments, the amount of money received every month is not enough to cover expenses and pay down medical bills. They find they need additional funds and wonder if there is any way they can get cash for annuity payments through settlement buyers.

Reputable structured settlement buyers will offer quotes or bids on the value of the remaining payments of any annuity. Through competition, they will offer top dollar for any valuable structured settlement annuity payments and provide a lump sum of cash when the offer is accepted.

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Top 10 Ways to Break Your Texting While Driving Habit

Distracted driving is 100% preventable. At the core of the issue is texting while driving. Distracted driving killed 3,092 people nationwide and injured approximately 416,000 in 2010. America is addicted to texting while driving. To stop texting and driving is proving to be a hard habit to break. But, there are ways that you can work to break your texting while driving habit. As you drive, consider when you become bored behind the wheel and inattentive. Try to take notice when you pick up the phone to start texting, surfing the web, or updating your Facebook status. You may not even realize that you are doing it because it has become second nature. Once you realize that you are engaging … Read more

Do We Really Care About Texting While Driving? How To Implement Real Social Change!

Dangers of Texting While Driving - Do We Really Care?

Do we really care about the dangers of texting while driving? Drivers and the insurance industry have to take a hard stance on texting while driving. Do we as a society really care about texting while driving? Or, do we simply pay lip service to the dangers? I am of the belief that Americans look the other way and really do not care about people who are texting while driving. Despite it being illegal in 38 states across America, we have done little to nothing to stop the rising trend. A survey released by State Farm in November 2012 found that 68% of drivers ages 18 to 29 text while driving, up from 64% last year, and 48% of them … Read more

What Is Commercial General Liability Insurance? And Why It’s Important

What Is Commercial General Liability Insurance? Commercial general liability insurance, also known as CGL, is a business insurance policy that covers services of the injured and compensates for most negligence that occurs according to law or contract. It typically provides liability coverage for a loss or a bodily injury that occurs while the policy is in place for a set period. The liability insurance can be written to cover the business for a set period or only when a claim is made. What Is Commercial General Liability Insurance? Commercial General Liability Insurance is designed to insurance business policyholders against lawsuits and other financial claims that people or employees can make against it. This, of course, is very important for businesses … Read more