Moving to Canada as a US citizen is absolutely possible, but there are a few key things you need to know. As a US citizen, you have the privilege of entering Canada without a visa as a tourist for up to 6 months. However, if you want to live, work or study in Canada long-term, … Read more

Life insurance comes in many forms, each with their own unique features and level of flexibility. One of the most adaptable types of life insurance is adjustable life, also known as universal life. This policy gives policyholders significant control to change their coverage, premiums, and other factors over time. What is Adjustable Life Insurance? Adjustable … Read more

Medicare and Social Security are two major federal government programs that provide benefits to millions of Americans. Since they are closely linked in terms of administration and eligibility, some people may wonder – are your Medicare and Social Security numbers identical? The short answer is no, Medicare and Social Security numbers are different identifiers assigned … Read more

Getting hit by an uninsured or underinsured driver can leave you facing major expenses. Uninsured and underinsured motorist coverage helps protect you in these situations. But does this type of protection come with a deductible like collision or comprehensive insurance? Whether or not you pay a deductible with uninsured motorist coverage depends on the specific … Read more

UnitedHealthcare Choice Plus is a type of preferred provider organization (PPO) health insurance plan offered by UnitedHealthcare, one of the largest health insurance providers in the United States. What is a PPO health insurance plan? A PPO plan is a type of health insurance plan that offers more flexibility in choosing healthcare providers compared to … Read more

Insurance is divided into different classes based on the type of risk being covered. The main classes of insurance include property, casualty, life, health, and business insurance. Understanding the different insurance classes can help you determine the right type of policy for your needs. Property Insurance Property insurance protects physical assets like homes, cars, boats, … Read more

Once you enroll in Medicare, premiums are deducted from your Social Security payments for Part B and Part D coverage. A common question is whether these Medicare premium deductions lower the amount of your Social Security income that is subject to federal income taxes. The short answer is no – paying Medicare premiums does not … Read more

Health Maintenance Organizations (HMOs) have become an increasingly popular way to access healthcare in the Philippines. However, there is some confusion around whether getting an HMO plan is mandatory or optional. What is an HMO? A HMO is an organization that provides health insurance plans with coordinated care and controlled costs. HMOs bring together healthcare … Read more

When shopping for car insurance, you’ll often see references to numbers like “50/100/50” when it comes to liability coverage limits. But what do these numbers actually mean and how do they impact your policy? Let’s take a closer look at what 50/100/50 liability limits represent, how this standard split limit structure works, and why it’s … Read more

Getting into a car accident can be stressful enough. But when the other driver’s insurance company refuses to pay for your damages and expenses, it can quickly turn into a nightmare. Unfortunately, this scenario is all too common. Insurance companies are for-profit businesses, and some will try to avoid or minimize payouts when possible. So … Read more