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Procrastination is a poison to the person looking for health insurance. Over the years I have sat with, spoken to, too many people that have put off buying a health insurance policy only to have a tragic event occur and thus rendering them un-insurable.

Case in point, I remember the time I sat with an older couple and spent over two hours with them discussing the benefits and reasons why they should get the health insurance policy, and in the end, they did buy. Feeling good about the sale I went home. Two days later the wife called me to let me know that her husband was admitted into the hospital for what later was diagnosed as a stroke. If they had waited, if they had turned me away, he at least would be un-insurable.

Let s discuss the number one reason not to procrastinate when looking for a health insurance policy.

The number one reason is the unknown. There is a problem that plagues us, humans. I call it the Unknown. It is the future. We do not know what tomorrow brings. (more...)

Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web sites.

Keep in mind you may not need to buy this additional car insurance because you have auto insurance from your own car insurance company. Generally speaking, when you rent a car, the liability coverage limits you have in your own auto insurance policy remain in effect with the same limits. In addition, the comprehensive and collision coverages you have in your own auto insurance policy remain in effect with the same deductibles. You do have comprehensive and collision coverage don t you? See our article, “How Much Car Insurance Should You Buy?” for a listing of coverage types and definiti (more...)