Learn how retrospectively rated insurance adjusts premiums based on actual losses, the benefits it offers, and how it compares to experience-rated insurance.

The lack of understanding or interest in finance and money management, is often a major deterrent to financial planning. People are typically comfortable with commonly understood options, such as ...

Subrogation is the process by which your insurance company seeks financial reimbursement for claims it paid out but wasn’t financially responsible for. For example, if you were in a car accident but ...

Learn what actual total loss means in insurance, how it’s valued, and its differences from constructive total loss for better decision-making in claims.

The IRS continues its war on captive insurance through its annual announcement that microcaptive insurance companies remain on the Dirty Dozen list. Yet, the IRS declines to adhere to a coherent ...

Advertising disclosure: When you use our links to explore or buy products we may earn a fee, but that in no way affects our editorial independence. Most term life insurance is level term, meaning that ...

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar ...

Family life insurance isn’t a single product sold by insurance companies. In some cases, it refers to the ability to purchase additional coverage for family members. In others, it’s a way of conveying ...

Employer financing of medical care has caused the term insurance to acquire a rather different meaning in medicine than in most other contexts. We generally rely on insurance to protect us against ...

Advertising disclosure: When you use our links to explore or buy products we may earn a fee, but that in no way affects our editorial independence. Otherwise known as “married couple” life insurance, ...