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Don t skimp on insurance. This probably doesn t sound like a way to save money. But keep in mind the purpose of insurance is to transfer to an insurance company the financial risk you can t afford to carry yourself. Without formal insurance, you are de facto self-insuring - meaning you ll pay out of your own pocket in the event of a financial disaster such as loss of a home or a serious illness.

For example, many renters don t own renter s insurance, which covers the loss of their personal property (no, the landlord s insurance doesn t cover it). Renter s insurance is very affordable, yet how many times do you read about people who lose everything in an apartment fire and have no insurance?

Buy the insurance you need. Carefully review your insurance needs with your financial adviser. Car, medical and home insurance are probably obvious. But do you have disability insurance in case you lose income due to an illness or injury? Many financial planners recommend clients buy long-term care insura (more...)

If you have recently booked a holiday or need to go abroad for business purposes you are probably excited and have not really thought about your travel insurance.

Before taking any sort of trip it is extremely important to have travel insurance and to understand and know what cover you have. You may find that depending on where your proposed holiday is you may need to upgrade or purchase additional protection.

Understanding what your travel insurance cover will insure you for will mean that should you find your self needing to make a claim once abroad a lot easier and give you the peace of mind that you are covered for events that you may be worried about.

Travel insurance does not cover you for everything, all travel insurance policies will have a list of unforeseen circumstances for which you will be covered. It is important to read through the list and make sure that this applies to you your family and your circumstances of travel.

If something should occur whilst away and i (more...)