The effective date is one of the most important dates on any insurance policy. It indicates the date that the policy’s coverage will start. Knowing your health insurance effective date can help you avoid costly surprises and ensure you have coverage when you need it most. When Coverage Starts The effective date is the first … Read more

The cash surrender value of a life insurance policy can decrease for several reasons. Understanding what impacts cash surrender value is important if you ever need to cash out your permanent life insurance policy. What is Cash Surrender Value in Life Insurance? Cash surrender value refers to the amount of money you would receive if … Read more

Medicare beneficiaries interested in Medicare Advantage plans sometimes wonder if they can enroll in more than one plan at the same time. The short answer is no – you can only be enrolled in one Medicare Advantage plan at a given time. Here’s an overview of the rules around multiple Medicare Advantage plan enrollment and … Read more

A Look at Humana’s National Reach Humana has a presence in all 50 U.S. states, the District of Columbia, and Puerto Rico. However, the company does not offer plans in every single state. Humana focuses primarily on providing Medicare Advantage and prescription drug plans to seniors. The company has a strong presence across the country … Read more

Secure Horizons and UnitedHealthcare have a connected history. Secure Horizons was originally founded as a division of UnitedHealthcare, offering Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D plans. In recent years, UnitedHealthcare has been rebranding Secure Horizons plans under the UnitedHealthcare name. A Brief History of Secure Horizons Secure Horizons was founded in … Read more

Seeing a series of numbers like 100,000/300,000/100,000 on your auto insurance documents can be confusing. These numbers actually refer to your liability coverage limits – one of the most important parts of your car insurance policy. Understanding what those policy limits mean is key to ensuring you have adequate protection in the event of an … Read more

Having a record of your past insurance claims can be very useful when applying for or renewing an insurance policy. Insurance providers often take your claims history into account when deciding on policy terms and premium rates. In India, there are a few ways for policyholders to access their insurance claim history. Why Check Your … Read more

Insurance audits are a regular part of doing business for many companies. But how far back can an insurer legally audit your records? Here’s what you need to know about insurance audits, including how long records must be kept and maintained. What is an Insurance Audit? An insurance audit is a review of a policyholder’s … Read more

Saving enough for retirement is one of the most important financial goals for many people. With people living longer than ever, retirement can last 20 years or more. Having adequate savings in your 401k and other accounts is crucial to maintaining your standard of living in retirement without outliving your money. So how much should … Read more

Deciding whether to pursue a career selling property and casualty or life and health insurance is a big decision. Many prospective insurance agents wonder which license exam is more difficult and which career path offers the best opportunities. This comprehensive guide examines the key differences between property/casualty and life/health licenses to help you determine the … Read more