Protection Planning Financial Topic

When you drop a quarter into a slot machine, you know that your chances of winning are pretty slim. But risking a quarter (or perhaps much more) may be worth it to you if the potential payoff is great enough. Insurance is a lot like that. You pay premiums today, because it offers peace of mind against unexpected events.
Articles
Annuities
ArticleAnnuities and retirement planning
Automobile Insurance
ArticleABCs of auto insurance
ArticleHow to save money on your auto insurance
ArticleTips to Reduce Your Auto Insurance Premium
Business insurance
ArticleProperly insuring your business
Disability Insurance
ArticleDeath or Disability
ArticleDisability Insurance from More than One Source
ArticleThe fundamentals of disability insurance
General Insurance topics
ArticleAgent Credentials
ArticleIs Your Insurance Company Safe?
ArticleShopping for insurance
ArticleUmbrella liability insurance
Health Insurance
ArticleHealth insurance in retirement
ArticleHealth insurance made simple
ArticleTips on Preparing for Your Medical Exam
ArticleWhats a Pre-existing Condition
Homeowners Insurance
ArticleAdditional Notes on Umbrella Liability Coverage
ArticleCovering Your Home Computer
ArticleDont Let a Natural Disaster Demolish Your Finances
ArticleOpening the door to homeowners insurance
ArticleRenters insurance
Life Insurance
ArticleLife insurance and estate planning
ArticleLife insurance basics
ArticleThe Wrong Ways to Figure Your Life Insurance Needs
ArticleTypes of life insurance policies
Long-term care insurance
ArticleCoordinating Long Term Care Insurance with Government Benefits
ArticleDont Wait till Youre Old or Ill to Buy Long-Term Care Insurance
ArticleLong-Term Care Insurance
ArticleShould you buy long-term care insurance
ArticleUnderstanding long-term care insurance
Tools
Annuities
ToolAdvantages and disadvantages of tax-deferred fixed annuities
ToolAdvantages and disadvantages of variable annuities
ToolFixed vs. variable annuities
ToolHow a fixed deferred annuity works
ToolHow a variable annuity works
ToolImmediate vs. deferred annuities
ToolUnderstanding annuity expenses
ToolVariable Annuity Calculator
Automobile Insurance
ToolAuto insurance analyzer
Business insurance
ToolBusiness life insurance needs
ToolHow cross purchase plans work
ToolHow entity purchase plans work
ToolHow insurance preserves assets
ToolNumber of policies needed with a cross purchase plan
Disability Insurance
ToolDisability Insurance
ToolDisability insurance benefit period
ToolDisability insurance cost-of-living rider
ToolDisability insurance waiting period
ToolDisability insurance waiver of premiums
ToolDisablility income needs worksheet
ToolHow much disability insurance can you buy?
ToolHow to save money on your auto insurance
ToolIndividual/group disability policy alternatives
ToolLikelihood of suffering a disability by age 50
ToolNoncancelable and guaranteed renewable disability policies
ToolRecurrent disability provision
ToolResidual and partial disability benefits
ToolWhat are your chances of becoming disabled?
ToolWhen do you qualify for disability benefits?
General Insurance topics
ToolHow insurance preserves assets
ToolPersonal liability umbrella insurance
Health Insurance
ToolComparison of typical health plans
ToolWhich health plan is right for you?
Homeowners Insurance
ToolDisaster checklist
ToolHome inventory checklist
ToolHomeowners insurance quiz
ToolHow to save money on your homeowners insurance
ToolPersonal liability umbrella insurance
Life Insurance
ToolAdvantages and disadvantages of cash value insurance
ToolAdvantages and disadvantages of term insurance
ToolComparison of level term and annual term premiums
ToolComparison of men's and women's mortality
ToolComparison of types of life insurance
ToolHow life insurance companies are rated
ToolHow term life insurance works
ToolHow traditional whole life insurance works
ToolHow universal life insurance works
ToolHow variable universal life insurance works
ToolHow variable whole life insurance works
ToolLife Expectancy Calculator
ToolLife Insurance Calculator
ToolLife insurance needs analyzer
ToolNet worth calculator
ToolWhat is your life expectancy?
ToolWhat is your life insurance rating?
Long-term care insurance
ToolComparing long-term care insurance policies
ToolLong Term Care Calculator
ToolShould you consider buying long-term care insurance (LTCI)?
ToolWhat to avoid when buying a long-term care insurance policy
FAQs
Annuities
FAQCan I change my annuity for one with a better interest rate?
FAQI bought an annuity a few years ago, but I don't want it anymore. Is there a way to get rid of it?
FAQWhat is an annuity?
Automobile Insurance
FAQAnother driver smashed my car, but he doesn't have insurance. How am I going to pay for the repairs?
FAQDo I need to get auto insurance before I buy a new car?
FAQHow can I reduce my auto insurance bill?
FAQI just had a car accident. How do I file a claim with my insurance company?
FAQI'm considered a "risky driver." How can I get insurance?
FAQI've found a better deal on auto insurance, but how hard is it to switch from one insurance company to another?
FAQShould I buy medical payments coverage?
FAQWhat is "no-fault" insurance?
FAQWhen I rent a car, should I purchase the collision damage waiver insurance that's offered to me?
FAQWhy do I need to provide so much information when getting an auto insurance quote?
Business insurance
FAQCan I get disability insurance if I'm self-employed?
FAQHow can I get affordable health insurance if I'm self-employed?
FAQI own a business. Are there any creative ways I can use life insurance in my business?
FAQWhat is stop-loss insurance?
FAQWhat kind of insurance coverage do I need for my small business?
Disability Insurance
FAQDo I need disability insurance?
FAQHow can I reduce the cost of disability insurance?
FAQHow do I apply for workers' compensation benefits?
FAQIf I have long-term disability insurance coverage through my employer, do I need my own policy, too?
FAQWill I have to pay life insurance premiums if I become disabled?
General Insurance topics
FAQIs there any type of insurance that can protect against losses from investments?
FAQMy child is heading off to college this fall. What insurance issues does this raise?
FAQShould I buy travel insurance?
Health Insurance
FAQDo I need cancer insurance?
FAQHow can I get affordable health insurance if I'm self-employed?
FAQHow much health insurance coverage do I need?
FAQIf I leave my job, will I lose my employer-sponsored health insurance?
FAQWhat are health reimbursement arrangements?
FAQWhat is critical illness insurance?
FAQWhat is Medigap?
FAQWhat's the difference between an HMO and a PPO?
Homeowners Insurance
FAQDo I need flood insurance?
FAQDo I need to let my homeowners insurance company know that I'm refinancing my mortgage?
FAQDoes homeowners insurance cover losses that occur outside my home?
FAQHow can I insure my possessions during a move?
FAQHow can I reduce the cost of my homeowners insurance?
FAQI need to file a claim on my homeowners insurance. How do I do this?
FAQI'm building a new home. Do I need to insure it while it's under construction? If so, how can I do this?
FAQI'm placing some items in a self-storage facility. Will they be covered under my homeowners insurance policy?
FAQMy friend and I share an apartment. Will her renters policy cover my possessions?
FAQWhy do I have to purchase homeowners insurance in order to obtain a mortgage?
FAQWill I have trouble getting homeowners insurance if my dog has bitten someone in the past?
Life Insurance
FAQCan I change the beneficiary on my life insurance policy? If so, how do I do it?
FAQCan I use life insurance to help me save for retirement?
FAQHow can I reduce the cost of life insurance?
FAQHow do I decide if I should replace my existing life insurance policy with a new one?
FAQHow much life insurance do I need?
FAQI have enough life insurance right now. But I might need more in the future if I decide to start a family. Will I be able to buy more later, even if I develop a medical condition?
FAQIf I leave my company, can I take my life insurance policy with me?
FAQIs there any way I can use life insurance to help cover my expenses if I become terminally ill?
FAQShould I buy life insurance on my child?
FAQShould I buy term or cash value life insurance?
FAQWhat is group life insurance?
FAQWhat is term life insurance?
FAQWhat is whole life insurance?
FAQWhen I die, is my beneficiary required to take a lump-sum payment of my life insurance death benefit?
FAQWhy do I need life insurance?
FAQWill I be taxed on the growth of the cash value of my life insurance? What if my policy pays dividends?
Long-term care insurance
FAQShould I buy long-term care insurance?
FAQWhat is long-term care insurance?
 

The 360 Degrees of Financial Literacy Web site offers general information for managing personal finances and does not recommend specific financial actions.  For financial advice tailored to your situation, please contact an expert such as a CPA or a personal financial advisor.

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