Long term care insurance is designed to pay out a benefit should you need retirement care such as assisted living, home care or nursing home care. However, long term care insurance may not provide what you expect or might not pay out at all when you need it. Why you might want to avoid long…
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Category Archives: Insurance You Can Do Without
Insurance You Can Do Without – Pet Insurance
Everyone loves their pet and wants to do whats best for them. You might have paid for training and special food and certainly realize that pets can be expensive. But what if you pet gets injured or has a disease? You may have considered pet insurance to cover these emergency visits or operations, but that…
Insurance You Can Do Without – Life Insurance For Your Child
I went to a trade show this past weekend for parents that are either expecting or recently had a newborn. More than one of the booths was pushing life insurance for your newborn. They were marketing it as cheap insurance that will help you save for your child’s future and protect their rates if they…
Insurance You Can Do Without – Involuntary Unemployment Credit Insurance
Involuntary unemployment credit insurance is another type of insurance you can do without. This insurance might be offered with a credit card or auto loan and will cover your minimum payments, usually for up to 6 or 12 months, if you were to be laid off. While the price can vary from lender to lender…
Insurance You Can Do Without – Credit Life Insurance
Credit life insurance is purchased so that the balance of your car loan or credit line would be covered if you die before your debt is paid. As with many of the policies in the Insurance You Can Do Without series, credit life insurance in too expensive compared to the premiums for term life insurance….
Insurance You Can Do Without – Cancer Insurance
Cancer insurance is a supplemental insurance that will pay an initial amount after you are diagnosed with cancer. Then it will likely cover any amounts for expenses that are not paid by your regular benefits plan. The problem with cancer insurance, or any other kind of disease-specific insurance is that you’re often paying too much…
Insurance You Can Do Without – Credit Card Protection Insurance
Credit card protection insurance is another case of paying too much in premiums for very little protection. Many people signing up for this expect that it will pay off their credit card if they lose their job or become too sick to work. The truth about credit card protection insurance is that it will only pay the…
