Corporate-Owned Life Insurance Helps Small Business Owners Provide For Their Families And Partners

Companies, like individuals, can be the beneficiaries of life insurance policies. In fact, citing Aon Hewitt, The New York Times reports that up to 20 percent of new life insurance policies are owned by corporations. Companies often use corporate-owned life insurance (COLI) to insure against the loss of key executives who would be expensive to replace. COLI also has benefits for small businesses, though. If you own a share of a small business, a company-owned whole life insurance policy can help your partners continue to run the company and provide for your family if you pass away unexpectedly. Read More 

Pay Your Credit Card Bills Bi-monthly To Get A Lower Homeowners Insurance Quote

Many homeowners are surprised when their homeowners insurance agent asks for permission to run a credit check before issuing a quote, but doing so is common practice among insurers. According to Bankrate, 85 to 90 percent of insurance companies use an insurance score when calculating premiums. Your insurance score is largely based on your credit score, and it can be improved by manipulating your credit score. By paying your credit card bills twice a month, you can raise your credit score and secure a lower homeowners insurance quote. Read More 

Charged With A DUI? Mini-Guide To Driving Legally Again

After getting pulled over and arrested for drinking and driving, you may feel like your life is over. A DUI conviction would likely mean that you will lose your driving privileges for a specified period of time, and it could affect your life for a long time. However, you can get back on the road again if you fulfill your obligations and take a few additional steps to become a legal driver again. Read More 

Finding The Best Insurance Deal With SR-22 Insurance

Being convicted of drunk driving is costly in a huge number of ways. You can lose your freedom, your job, your relationships and your license to drive. Once you have completed the other requirements necessary to make restitution for your conviction, you will probably be ordered by the court to obtain an SR-22 certificate. Sometimes this is called SR-22 insurance, but theDMV explains that it is not an insurance policy. It is a certificate you get from your insurance company that proves you have let your insurance company know that you have been convicted of driving while under the influence and are therefore considered a high risk candidate for insurance. Read More 

Can Bad Credit Drive Up Your Car Insurance Premiums?

You never drink and drive, and you've never had a speeding ticket in your life, but your auto insurance premiums are still higher than you'd like. Your driving record isn't the only thing that insurers look at when setting your auto insurance premiums. You may be paying more for your car insurance because you can't get a handle on your credit. Could your bad credit drive up your car insurance premiums? Read More