All right; so you finally got rid of all that was holding you back and now you are ready for the go. It’s time to paint the town and wheels are definitely a means to take you to places before you can say, “Zoom!” Now, that depends on how smooth the road is that you’re traveling on. Have they been smoothened yet? If not, then selecting the right auto insurance shall. (more…)

A question to start with: What is common between a human, an automobile and a house? Those into investments shall readily answer back “insurance”, but that’s not the right answer though pretty near. It is vulnerability; the sole factor that gave rise to the concept of insurance. (more…)

International students who visit USA for pursuing their studies had always faced a serious problem in dealing with medical emergencies. Medical treatment in USA is one of the most expensive in the world. Most of the international students who come here for studies are on shoe-string budgets and medical emergencies can be absolutely crippling. (more…)

In a Health Insurance policy insurer covers the insured for medical costs in case of his illness or accident. There are two health insurance schemes, Medicare & Medicaid, funded and administered by the government; these two schemes are specifically planned to provide health care to the most vulnerable citizens – those above the age of 65 (financial status not withstanding) and those with low income (age not withstanding). (more…)

Medicare

The Federal Government administers a health insurance program for US citizens and permanent residents of USA of an age of 65 or over. An individual or his/her spouse should have worked for at least 10 years in Medicare covered employment to be eligible under this scheme. (more…)

Generally a family is solely dependent on the breadwinner in the family and quite often the family suffers great hardships on the demise of the breadwinner. Life Insurance is primarily suited to protect the family from the hardships in such an eventuality. Life Insurance is an instrument of planning for the future. The policy holder pays regular installments during his earning life and on his death his family receives a lump sum amount. (more…)