Total and Residual Disability – What’s the Difference?

Posted by Ethan Kinnear at April 08, 2012
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The Difference Between Total and Residual Disability

When youre comparing different options for disability insurance, be on the lookout for the areas where policies are likely to differ. Dont assume that terms are defined in the same way from one policy to another. Pay close attention to the exact manner in which key policy terms, such as total disability and residual disability are described. Thats the only way you can be certain that you truly understand the terms and conditions of each policy option.

  • Total Disability: Some policies use an own occupation definition of total disability, while others use an any occupation definition.

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Post Tags: Difference Residual Disability

Life Insurance: Money Saving Tips

Posted by Lola Benny at April 06, 2012
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‹ Back to Home Posted on: Saturday, March 31st, 2012

We are all looking for little ways we can save money, especially during these tough economic times.  Many people are unaware that there are ways to cut costs on insurance products including life insurance.  Julie Bawden-Davis wrote a great article outlining in detail some tips on saving money on life insurance found on the FoxBusiness website.

The article discusses 10 tips for saving on life insurance which include tips such as:

  • Buy just enough life insurance to meet your needs
  • Choose term life insurance
  • Buy as early in your life as possible
  • Pay attention to your health
  • Pay your premiums annually
  • Comparison shop
  • Look for premium discounts
  • Avoid guaranteed issue policies
  • Consider group policies
  • Watch your age

For more detail on these quick tips you can visit FoxBusiness.com.  It

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Post Tags: Money Money Saving

Pet health spring checklist

Posted by Sara Steel at April 02, 2012
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The sun is peeking through the clouds, temperatures are rising and the flowers are starting to show their heads; spring has finally sprung! For you, this means dusting off the sunscreen and sandals, but springtime can also be a good time to go through a Spring Pet Health Check. Here are some things to be mindful of in order to keep Fido fit and happy this season:

Start heartworm preventives If your pet isnt on heartworm preventatives year round, its time to start up again! Heartworm disease is a potentially devastating disease that can cause heart failure and potentially death if left untreated.

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Texas Homeowners Insurance

Posted by Admin at March 27, 2012
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When looking for insurance in Texas it can prove expensive because of the risk of flood damage. As normal household insurance does not cover flood damage you will have to get special coverage. This can be done through the National Flood Insurance Program.

Hurricane issues also affect Texas and it can be difficult to get insurance against wind damage too. This is why the Texas Windstorm Insurance Association works to provide coverage for this. You Do not need to go to the TWIA to get this form of coverage though as your normal insurance company can provide this type of cover itself.

Another issue you may have to consider though it is not an issue just for Texas is your credit score. Full Article…

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Florida Court Draws a Hard Line on Attorney’s Fees from FIGA

Posted by Ethan Kinnear at March 26, 2012
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The Florida Insurance Guaranty Association (FIGA) is Florida’s public entity for resolving claims for certain insolvent insurers. FIGA is controlled mostly by statute, and attorney’s fees are no exception. Generally, under Florida Statute § 627.428, attorney’s fees are available for an insured who succeeds on legal action against his or her insurance company. However, Florida Statute § 631.70 exempts FIGA from § 627.428 unless FIGA, “denies by affirmative action, other than delay, a covered claim or a portion thereof.”

Last week, Florida’s First District Court of Appeal read § 631.70 strictly, and denied attorney’s fees on a homeowner’s Hurricane Wilma insurance claim. In Gena v. FIGA, 1D11-1783, 20

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Health Care Reform – To Be or Not To Be? The Justices Will Decide

Posted by Sara Steel at March 25, 2012
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Months of anticipation ended this week when the U.S. Supreme Court finally heard arguments in support of and opposition to the Affordable Care Act, the nation’s new health care law. The three days of hearings didn’t disappoint in terms of theatre. The justices mixed serious questions with humor while the U.S. Solicitor General representing the administration’s case for health care reform, unwittingly mixed humor with legalese. Outside the venerable Supreme Court building rallies were held consisting of song, shouting, verbal abuse, and a GOP presidential candidate. All in all, a memorable week.

However, the reality of what transpired in the nation’s supreme courtroom is not so comedic. The fou

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Post Tags: Care Health Care

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