Investment Advice Articles

Joseph Kenny's Articles in Insurance

  • Choosing The Right Life Insurance For You
    Here is an important question for you. Have you considered the type of life insurance policy you need? For many people throughout the country, the question of life insurance is one they have no answer. They haven't even considered it. It is not always about not having the money to purchase a policy.
  • Why Is Renters Insurance A Good Idea?
    Some renters tend to neglect to provide insurance for their valuables. It may just be a simple oversight not willful neglect of insurance coverage for the renter's apartment or house. The landlord usually doesn't mention it or offer to insure the tenant and his valuables, so the renter may not have insurance.
  • Useful Tips For Purchasing Life Insurance
    What type of life insurance coverage do you have? For many people the answer to this question is none. Millions of Americans fail to obtain even a basic life insurance policy each year and many of these people pass away leaving the financial burden of their final expenses on their loved ones.
  • Renters Should Be Insured Too
    Since it is closely related to home insurance, renters insurance is something that is unfortunately less of a priority than the other. It is an often neglected form of protection for those who rent an apartment or a house.
  • Term Life Insurance Explained
    Financial stability is one of the most important things we want for our families in the event that we are not here to support them. The protection of your family is the reason life insurance was introduced. The types of life insurance commonly used are term life, universal life, whole life, and variable universal life.
  • How Much Homeowners Insurance Coverage Do You Need?
    If you are considering homeowners insurance, it should become obvious very quickly that you need to determine how much coverage you will need. This will require that you really examine your situation and learn what
  • Tips For Getting Affordable Homeowner's Insurance
    Very few American homeowners are anxious to purchase homeowner's insurance for a simple fact: it can be highly expensive. The United States market is currently offering very high home insurance rates. This can be a major roadblock for people really want coverage but cannot afford the level of coverage they desire to have.
  • Three Types Of Car Insurance Coverage - What Are They?
    Knowing what type of car insurance coverage need is not always a simple matter. What makes it difficult for car owners is the fact they just don't know one form of coverage from another. They have not take the appropriate time to learn what sort of coverage is offered by individual car insurance companies and do not know much about even the basic form of car insurance coverage.
  • Why Are Your Life Insurance Premiums Rising
    What are some of the reasons why your life insurance premiums are on the rise? Unfortunately, there are many factors to blame. If you have good health and live reasonable lifestyles, your life insurance is generally low cost.
  • Comparing Auto Insurance Coverage - Liability Or Full Coverage?
    If you are a first-time driver, locating reasonable auto insurance can be one of the major challenges after the initial purchase of your car. There is no shortage of car insurance companies standing ready to offer you competitive rates as well as different kinds of insurance policies.
  • Shopping Online For Car Insurance
    One great side-effect of the internet has been the availability of obtaining prices and quotes online. For all kinds of items from washing machines to cars to houses and even boring stuff like car insurance.
  • Importance of Car Insurance
    Why is car insurance so important? Most older drivers understand the importance of car insurance but some newer drivers may not.
  • Making Sense Of Those Car Insurance Policies And Terms
    When it comes time to get auto insurance for your car, you will be faced with a number of decisions about the various types of available insurance. Basically, there are six different parts of an insurance policy.
  • Understanding Those Terms On Your Home Insurance Policy
    Buying a home means that you will be required by a lender to have home insurance. It provides protection for you in the event that anything should happen to your home. The protection can cover many things - or a few - depending on what kind of coverage you have.
  • Auto Insurance - What Factors Effect Your Rates?
    Car insurance is something that we all need - if we drive a car. While having car insurance may not be an option, just how much we pay for it is. There are a number of things that can make those numbers add up, while other factors will tend to bring those numbers down.
  • How To Reduce Your Homeowner's Insurance Costs
    Buying home insurance should not have to take the joy out of owning your home. High costs, though, make some homeowners struggle to keep their home. Here are some ways that you can actually reduce the price of your coverage and still know that you are adequately covered.
  • Four Reasons Why You Need To Buy Home Insurance
    Being able to have a home these days, and enjoying it, is usually the fruit of many hard years of work. Not only did you work hard to get it, but that hard work, in most people's cases continues for many years. Such a large investment over so many years of your life is certainly worth protecting
  • How To Buy Home Insurance
    Before you can settle on that house you want to buy, you will have to provide proof of home insurance. Your lender will require it, and truthfully, it is in your best interest - unless you can afford to buy another one with cash. Like any other product, though, there are a wide variety in prices and content, so it will pay you to shop around.
  • How To Calculate How Much Home Insurance You Need
    Buying home insurance is a good investment. The primary reason is that you just never know what can happen, and having that coverage may be the single factor that can prevent financial ruin. Knowing just how much insurance is needed, though, may be a little tricky.
  • Isn't It Time For You To Get Better Car Insurance Rates?
    So many people today are having a little difficulty finding the resources for their financial obligations. Besides having credit debt, there may also be limited income. One of the ways that you can cut some corners for greater savings is to reduce your monthly auto insurance costs.
  • Tips On How To You Can Get Better Auto Insurance Rates
    Getting better rates on your auto insurance is something that many people would like to do. So many are paying a lot of money, too much money - and doing it unnecessarily. By following a few simple steps, you could reduce your annual auto insurance costs, and save some money for those other projects you would like to do.
  • Securing Your Future With Disability Insurance
    There may be a time in life when you may not be able to work due to illness or some other medical condition, whether temporarily or permanently. Such a condition may result in a loss of income during that period.
  • Medical Bills And Personal Injury Insurance Claims
    The amount of a personal injury claim is always calculated on the amount specified on the medical bills submitted. Your initial claim application is usually followed by a string of inquiries by the insurer.
  • Homeowners Insurance Guide
    Homeowners insurance covers damages resulting from most kinds of natural calamities. If a third party lender finances a home, it becomes important to obtain homeowners insurance, in order to cover the building and the material possessions inside.
  • Staying Prepared With Unemployment Insurance
    Unemployment insurance is intended to be a social insurance program that provides temporary benefits to unemployed workers, and imposes payroll taxes on covered employers.
  • Health Insurance Plans for Students
    Health care insurance is a necessity today. Most educational institutions in the United States require students to be covered for healthcare. Surveys reveal that nearly thirty percent of students in the US do not have healthcare insurance, and ask their parents for financial help when in need.
  • Understand Your Insurance Contract
    All insurance contracts are governed by the concept of 'offer and acceptance'. This requires you to fill the proposal form and send it to the insurance company. Sometimes you are also required to attach a check for the premium amount, with the proposal form.
  • Umbrella Insurance for Greater Coverage
    When the amount of a claim against you exceeds the coverage provided by your home or auto insurance policy, you are saddled with the prospect of settling this excess liability on your own.
  • Long Term Care Policy- Planning for your old age
    The term 'Senior Citizen' spells a perfect combination of ultimate wisdom and experience! However, sometimes it also resounds with silent pain, suffering and worry that become their only companions in life. They have enjoyed life's most cherished moments, as well as witnessed its darkest side.
  • Insurance Costs and How To Reduce Them
    If you are thinking of cutting down your insurance costs then you will definitely have to put in some efforts. You will have to explore all the possible options and resources if you want to save money on insurance.
  • Choosing an Insurance Company
    'To insure is to assure', says the catch line of a prominent ad of an insurance company. Insurance enables people to recover their losses in case of an unfortunate accident or loss. By obtaining an insurance policy, you can protect yourself from any form of risk to your life, property, health, or commodities.
  • Buying Life Insurance - A Checklist
    Life insurance can be an effective tool to make certain and protect your family's financial future. It has been acknowledged universally as a method by which the breadwinner can substitute risk and uncertainty with timely aid for the family in case of their unfortunate death.
  • Lost Your Job? - How To Keep Your Insurance Coverage
    In this day when companies are facing layoffs, buyouts, and other financial difficulties, it may be difficult to hold on to a good health insurance policy. Thanks to the government, however, there has been a couple of programs that will allow you to keep the same coverage you had before your situation changed - if you act soon enough.
  • Meeting Your Family's Health Needs With An HSA
    Making sure that your family is able to stay healthy partly depends on having a good health insurance program for them. One of the more recent new additions to the health insurance industry is called the Health Savings Account (HSA).
  • Health Insurance for the Recent College Graduate
    As you graduate college and head into the great, big, scary world, there are probably a lot of things on your mind. First and foremost is finding a good job, then finding a place to live, and then maybe figuring out how to pay back those student loans.
  • Payment Protection Insurance: Is It Just A Scam?
    Payment protection insurance (PPI) has taken a bashing recently. PPI is a type of insurance designed to protect repayments on financial products if borrowers find that they are in financial difficulty.
  • Your Insurance Premium May Be Affected By Global Warming
    The last decade or so have not been a particularly good one for the UK insurance industry. It seems that at least once a year the UK insurance industry gets to feel the bit of a natural disaster somewhere in the world.
  • Protect Your Personal Property With Home Contents Insurance
    It would surprise you to know how many homes have all the latest in technological gadgetry, yet have failed to insure the contents of their home against the event of either a burglary or damage.
  • UK Car Insurance - Making A Claim
    If you are unlucky enough to have an accident in the UK, you will need to know some of the basics ins-and-outs of how to make a claim on your UK car insurance.
  • Renters Insurance 101 Explained
    If you rent a home or apartment instead of owning a house outright you may not think you have a need for insurance or believe that it is even available to you for that matter.
  • 4 Things To Remember When Renewing Your Home Contents And Home Buildings Insurance
    Nobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today.
  • Insuring Your Overseas Home
    The number of UK residents how now have overseas homes is steadily on the increase. In some cases these overseas homes are for holiday purposes, such as with Spain, in other cases they're bought for the purpose of spending at least part of the time of the owner's retirement, such as with Cyprus.
  • Worst Case Scenario: Will Your Home Buildings Insurance Cover You?
    Nobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today.
  • Can Car Insurance Be Affected By Your Bad Credit History?
    If you have bad credit you can be denied car insurance! The protections afforded to the consumer since the Depression of 1929 no longer exist. The Financial Laws passed through Congress in 1992 allowed banks, insurance companies, investment firms to handle banking, insurance and investment operations.
  • Secure Your Car For Lower Car Insurance Premiums
    A question often asked is whether or not securing your car will help to reduce your UK car insurance premiums. Will this is certainly a factor you need to discuss with your car insurance company, you should note the following:
  • Auto Insurance 101
    Auto insurance can be confusing for most consumers; there are so many different types of insurance and it can be difficult to determine the type of coverage you’re required to carry versus the types of coverage that you really should carry in order to protect yourself but that are not required.
  • Health Insurance 101
    We all understand the importance of health insurance; however, as the types of health insurance continue to increase it is becoming more and more difficult to select the type of coverage that is best for you and your family.
  • Critical Illness Insurance - Another Scam?
    Unless you have substantial savings, even in the UK, contacting a serious illness, such as cancer, can be a very costly affair.
  • How Home Emergency Cover Can Assist The Needs Of The Over 60s
    Imagine that it is Sunday night and you are watching your favourite television show before you go off to bed for the night. The next thing you know your hot water boiler bursts and floods your home. Who are you going to call at such a late hour on a Sunday night?
  • Health Insurance 101 Explained
    We all understand the importance of health insurance; however, as the types of health insurance continue to increase it is becoming more and more difficult to select the type of coverage that is best for you and your family.

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