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Posts Tagged“insurance”

I sat down with life insurance beneficiary lawyer Chad G. Boonswang and talked about how divorce affects life insurance and retirement. They had the following professional insights, which I have compiled for you here: Divorce and Life Insurance: Three Things You Need to Know Whole Life Policies are Marital Assets. Whole life policies have present cash value and are considered marital assets, therefore, they must be divided as part of the divorce. Couples usually cash out a whole life policy and divides the proceeds in a way that is recorded in the divorce decree as part of the property settlement…

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Medical malpractice occurs when a patient is injured or harmed as a result of poor medical treatment or a mistaken diagnosis on the part of a doctor, nurse, technician, or medical provider. It’s essentially an incident during which a healthcare professional has failed to do what a reasonably careful and competent professional would have done in a similar situation with similar circumstances.  The Four Most Common Bases for Filing a Malpractice Claim When malpractice occurs, victims have an opportunity to pursue a claim. Some people choose to do so and others don’t. Of the people who do, here are the…

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Every entrepreneur has the dream of being a successful businessperson who gets to work for themselves and make their own rules. While there are many great perks associated with going into business for yourself, it’s not without its challenges. Everybody knows that you have to spend money to make money, but did you realize that the more money you make the more you’re going to have to spend? For example, as your enterprise grows, your insurance premiums will likely rise accordingly. How insurance premiums are calculated is largely based on a complex series of variables, but is mostly based on…

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To travel safely anywhere, especially internationally, you need to make sure that you have a travel insurance. This is to secure you in case an unexpected inconvenience or mishap happens to you. Always remember that it is better to be prepared than not whenever you go on a trip with your family or friends. In fact, a travel insurance covers medical expenses, trip cancelation, lost luggage, flight accident, and other losses. This is the reason why you need to get insured whenever you spend your vacation in other places. It is for your own protection, so consider getting a travel…

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More and more small businesses now offer better employee benefits packages than ever before. Nowadays, it’s no longer a question of whether to offer benefits, but rather how to pick an insurance plan that fits your business needs. This is a serious matter that takes a great deal of consideration, and anybody facing this decision should take the factors presented below into account. Cost to Employers Employees already cost an employer a great deal thanks to salaries and wages. However, offering benefits in addition to a paycheck saves money in the long run. According to Benefits Canada, an employee on…

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When it comes to reining in spending, you might find it hard to realize further gains after picking the low hanging fruit in your financial outgo (i.e. discretionary spending). However, your monthly expenses (utilities, mortgage payments, etc) has more wriggle room than you might give them credit for. Below, we will show that saving money on your monthly bills is not the impossible task that you’ve made it out to be in the past… Upgrade your current windows to save on heating In places like Western Canada, the potential savings from installing proper windows can be enormous, as winters in…

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