How to File a Claim After a Minor Fender Bender (And When Not To) How…
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Filing a claim after a minor fender bender
How to File a Claim After a Minor Fender Bender (And When Not To) How to File a Claim After a Minor Fender Bender (And When Not To) I remember standing in a grocery store parking lot three years ago. I was staring at a fresh dent in my rear bumper. The other driver was […]
Steps to get a professional indemnity quote
Steps to Get a Professional Indemnity Quote: A Real-World Guide Steps to Get a Professional Indemnity Quote I remember the first time I applied for professional insurance. I had a contract waiting to be signed, and the client required proof of insurance by Friday. I thought it would take five minutes. Instead, I spent three […]
Using your HSA to pay for medical expenses
How to Use Your HSA to Pay for Medical Expenses: A Step-by-Step Guide How to Use Your HSA to Pay for Medical Expenses: A Step-by-Step Guide I remember standing at the pharmacy counter five years ago, staring at a bottle of sunscreen. I held my HSA debit card in one hand and my regular credit […]
Saving money with safe driver discount programs
How to Save Money With Safe Driver Discount Programs How to Save Money With Safe Driver Discount Programs I stared at my car insurance renewal notice last year and gasped. My rate had jumped 22%, even though I hadn’t filed a single claim. I called my agent, frustrated and looking for answers. He suggested a […]
How to read your car insurance declarations page
How to Read Your Car Insurance Declarations Page (A Simple Guide) How to Read Your Car Insurance Declarations Page I remember the first time I actually tried to read my car insurance paperwork. I had just bought a used Honda, and my premium had jumped by $40 a month. I was frustrated. I pulled the […]
Steps to convert term life to whole life
Steps to Convert Term Life to Whole Life Insurance Steps to Convert Term Life to Whole Life Insurance I remember sitting across from a client named Mark a few years ago. He was 64 years old. He had a $1 million term life policy that he bought when he was 44. He felt safe because […]
What to do if you lose employer health coverage
What To Do If You Lose Employer Health Coverage: Timelines & Options What To Do If You Lose Employer Health Coverage: A Step-by-Step Guide I still remember the knot in my stomach when I lost my job-based health insurance five years ago. I stared at the termination letter and felt pure panic. My daughter had […]
Difference between HMO and PPO plans explained
Difference Between HMO and PPO Plans Explained: Costs & Benefits (2025) Difference Between HMO and PPO Plans Explained: Costs & Benefits I wasted $1,400 on my health insurance three years ago. I remember staring at the enrollment form, terrified of making the wrong choice. I picked the expensive PPO plan just to be “safe.” I […]
Finding doctors that are in your network
How to Find Doctors in Your Network: The 3-Step Verification Guide How to Find Doctors in Your Network: A Guide to Avoiding Surprise Bills I learned this lesson the hard way three years ago. I visited a dermatologist who was listed on my insurance app. The receptionist checked my card and said, “Yes, we take […]
Ways to lower your monthly life premiums
Ways to Lower Your Monthly Life Premiums: A Proven Guide Ways to Lower Your Monthly Life Premiums: A Proven Guide I remember sitting at my kitchen table three years ago, staring at a life insurance quote. The number at the bottom of the page was $147 per month. It felt like a punch to the […]