Most people today have access to supplemental benefits through their employers. Companies like AFLAC and Colonial Life offer voluntary insurance lines that employees can enroll in at the same time that they are signing up for their group health insurance. Their employer then simply deducts the premiums out of their payroll. If your employer doesn’t offer voluntary benefits, you can find all kinds of standalone policies in the individual insurance market. There are many kinds of supplemental insurance, such as hospital indemnity products, critical illness riders, term, and whole life insurance, and also accident insurance. There is also cancer insurance usually offered and some people might overlook the value of this insurance, but the reality is that more than 1 in 3 people will get cancer some time during their lives. It is also a reality that your health insurance doesn’t cover all of the expenses that you are likely

If you are someone who is invested in saving your cash while still protecting your home, you need to look into the best deals around for your home insurance. Insurance for your home will help you protect yourself and your family in case of an accident or a problem, so make sure that you are aware of what needs to happen as you begin your search. Maintain a Good Credit Rating Smart Money states that for better or for worse, insurance companies have started looking up credit scores to find out what kind of risk their clients are. People with a poor credit score are thought to be slightly worse credit risks in general, and because of this, these people often end up with higher insurance payments. While you should not go without insurance, work towards improving your credit and then ask for some considerations or switch companies entirely. Ask

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