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As our economy and markets have changed, other insurance marketing channels have developed. While these alternate marketing channels for insurance initially focused on motor vehicle insurance, more recently they have expanded to include homeowners insurance as well. (more…)

Another potential risk is that the insurance company providing insurance coverages may fail. Unlike banks, which are federally insured, there is no government backing to insurance policy guarantees. If the auto insurance company becomes insolvent, the amount you eventually receive might be less than you think. When deciding where to invest your premium cost dollars, (more…)

As they enter the later stages of life many people choose to draw up a will to make their wishes known after their death, but perhaps for people of limited means, this may not feel adequate and life protection insurance may be an option. This is a popular way of using a policy to guarantee that a named beneficiary would be taken care of financially after someone’s death.

All of them involve a premium as with other types of insurance, but different types of deals do different things. (more…)