Multiple protection coverage, also known as joint life insurance, provides protection for more than one person through a single policy. This type of coverage can provide important financial security for families and businesses partners. In this comprehensive guide, we’ll explore the key things you need to know about the types of multiple protection coverage available. … Read more

Preferred provider organization (PPO) plans are a popular type of health insurance in the United States. As of 2020, over 59 million Americans were enrolled in a PPO plan. PPO plans offer members flexibility in choosing health care providers. They also typically have copays and deductibles like other types of private health insurance. So do … Read more

Coinsurance is one of the most confusing parts of health insurance. You pay a premium every month, but then there are deductibles, copays, and coinsurance too. It can get complicated quickly. One common coinsurance question is: what does 0% coinsurance mean after you meet your deductible? Let’s break it down step-by-step so you know exactly … Read more

Allstate is one of the largest insurance providers in the United States, offering policies for auto, home, renters, life and more. With millions of customers nationwide, Allstate aims to provide quality coverage at competitive prices. One common question from prospective customers is: Does Allstate offer a military discount? The short answer is yes, Allstate does … Read more

When it comes to insurance terminology, the terms “policyholder” and “subscriber” are often used interchangeably. However, there are some key differences between the two that are important to understand. What is a Policyholder? A policyholder is the person who owns an insurance policy. They are the individual who purchased the policy directly from the insurance … Read more

The passing of a loved one is always difficult. In the midst of grieving, it’s normal to have questions about what happens to their Medicare coverage after they die. Many wonder – does Medicare provide any funeral assistance or final expenses coverage? Unfortunately, standard Medicare does not cover any costs incurred after a beneficiary’s death. … Read more

Founded in 1912, Liberty Mutual has grown into one of the largest property and casualty insurers in the world. Aside from the flagship Liberty Mutual brand, the company owns or controls several other insurance carriers. In this comprehensive guide, we’ll cover: A brief background on Liberty Mutual Full list of insurance companies owned by Liberty … Read more

Coinsurance is a common provision in commercial property insurance policies that requires the insured to carry a certain amount of coverage relative to the total value of their insured property. If the insured’s coverage limit falls short of the required coinsurance percentage, claims payments can be reduced. But does the coinsurance penalty apply when claims … Read more

Having multiple health insurance plans can provide more comprehensive coverage, lower costs, and give you access to a wider range of providers. A common question that comes up is whether Kaiser Permanente health plans can be used as secondary insurance. The answer is yes – Kaiser can serve as secondary insurance when paired with another … Read more

To get premium-free Medicare Part A when you turn 65, most people need to have at least 10 years of work credits. But what if you don’t meet the work credit requirement? The good news is that you still have options to get Medicare coverage. In this comprehensive guide, we will cover: What Medicare work … Read more