You can ask any financial advisor what is the most often overlooked type of insurance that people should have, and almost all will tell you it’s disability insurance. Many people ignore disability insurance in comparison to life insurance. However, the problem is that there is a much higher probability that you will have a long-term disability than there is dying before the age of 65. In fact, if you are between the age of 35 and 65 there is a 50% chance that you have been, (more…)

Insurance riders are valuable options that you can choose as additional to basic insurance contract you have. By having insurance riders, you as the insurance holder will get more benefits as extra to you basic policy. Some of insurance riders are so common that they are naturally inserted as part of the policy. Additional premium are quoted as component of the whole insurance policy premium. This give the policy holder less total premium compare of buying a separate stand alone insurance policy. Below are some several insurance riders that can be found on most insurance providers to give additional benefits for you: (more…)