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The majority of us are not rich. Many people, nowadays, live paycheck to paycheck. Last thing we need is to get taken for an expensive ride by a life insurance salesperson whom is nowadays cleverly hidden behind the title financial advisor. There are laws to protect from the worst of cases, but you can save thousands and more by following these tips:

1. Find out what your current limits are if you have insurance through your employer. On average employers only provide $50,000 coverage if they do at all. This is not enough coverage. As a general rule you should have $250,000 - $500,000.

2. Educate yourself. Just like buying a car, you don t want to pay full retail price. Everything is negotiable. Look up and compare whole and term life. Do your self a favor and look it up on the internet. You will see a wide range in prices for the same coverages. For instance Ameritas was less than 1/2 the yearly premium of Allstate and Met Life for the same coverages - that means a 50%+ savings (more...)

Your home is easily the biggest and most important purchase that you can make. You must therefore treat this investment with the high amount of respect that it deserves. Consequently, as a homeowner you should consider it pretty much a necessity to insure your home.

Everyone who drives a car is aware how important it is for them to be insured. Car accidents happen all the time and the insurance protects them from paying high repair costs in the unfortunate event of being involved in an accident. The same idea applies to home insurance. Most people do look after their homes very well but sometimes certain events and circumstances can be outwith our control. We can always be precautious to guard against things like fire, theft and vandalism but we can never fully eliminate the chance of these happening. Home insurance protects us should these or similar unfortunate events occur.

Owning a home is not cheap. There are lots of bills to pay, never mind the mortgage and so most homeowners do not li (more...)