A participating company is a type of insurer that offers participating policies. Participating policies, also known as with-profits policies, are insurance policies that pay dividends to policyholders. These dividends come from the profits earned by the insurance company. Overview of Participating Policies Participating policies have the following key features: Policyholders receive dividends: A portion of … Read more

Kaiser Permanente and Anthem Blue Cross operate very different healthcare models, which leads many to wonder – does Kaiser Permanente accept Anthem Blue Cross insurance? The short answer is no. Kaiser Permanente only accepts its own insurance plans at its facilities and doctors’ offices. It does not accept Anthem Blue Cross plans. However, the healthcare … Read more

On a life insurance policy, the insured is the person whose life is being covered. The owner controls the policy and makes decisions about it. Oftentimes, the insured and owner are the same individual. But they can also be different people. So can the insured be the owner of their own life insurance policy? The … Read more

Supplemental Security Income (SSI) is a needs-based disability program run by the Social Security Administration (SSA). To qualify for SSI, you must have limited income and assets. This leads many SSI recipients to wonder – can I own more than one car and still receive benefits? The short answer is – maybe, but it’s complicated. … Read more

Having home insurance is crucial to protect your property against damage and accidents. But what if you need to find out if a property you don’t own has coverage? Is there a way to check if a house is insured without asking the owner? Unfortunately, there is no public database that lists which properties have … Read more

If you’re looking for maximum protection for your vehicle, Churchill Comprehensive Plus is the company’s top-tier car insurance package. This policy goes beyond standard comprehensive coverage to provide additional benefits and higher limits. In this comprehensive guide, we’ll explain everything you need to know about Churchill Comprehensive Plus: Key features and benefits What’s included vs … Read more

Dealing with insurance companies after an accident, loss, or claim can be frustrating. You file paperwork, make calls, and send demand letters expecting a timely response. But sometimes insurers give claimants the silent treatment, refusing to acknowledge or respond to inquiries. So what recourse do you have when an insurance company stonewalls you? No Legal … Read more

TRICARE Select is a health insurance plan available to military families, retirees, and reservists. It provides comprehensive coverage but requires annual enrollment fees and copayments for care. Many wonder if TRICARE Select can act as secondary insurance to supplement other health plans and save on out-of-pocket costs. The answer is yes – TRICARE Select can … Read more

Car insurance rates tend to increase as drivers get older, with significant hikes often occurring after age 75. This is due to higher risks and costs associated with insuring elderly drivers. While frustrating, being aware of when and why rates increase can help you budget accordingly and shop for the best rates. Why Rates Rise … Read more

Property insurance helps protect homeowners and businesses from financial losses due to damage to their property. Most property insurance policies contain a coinsurance clause, which requires the policyholder to insure their property to a specified percentage of its replacement value. But what exactly does a 90% coinsurance requirement mean? This article will explain what 90% … Read more