If you enjoy smoking, you probably know that it can impact your health. But did you know you will likely end up paying significantly more for life insurance if you smoke? Because life insurance is often an important part of a financial plan, it’s important to understand what to expect if you’re a smoker (or […]
Month: February 2021
Navigating Auto Insurance For Delivery Drivers
Many businesses—like restaurants and grocery stores—rely on delivery drivers who use their personal cars. Before the pandemic, Americans had already been enjoying the convenience of having both essential and non-essential items delivered to their doorsteps. In 2019, Americans spent approximately 11 billion dollars on pizza delivery alone, according to Statista, a market and consumer data […]
How Does Auto Insurance Work for Multicar Pile-Ups?
On a single day in February 2021, Americans saw horrific images of the wreckage and carnage of three multicar pile-ups that occurred on icy roads in Texas. The worst of them, a 133-car pile-up on a highway in Fort Worth, killed six motorists. On a highway in nearby Dallas, one motorist died in an 18-car […]
How to Drive in Icy Conditions
Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep […]
Winter Home Maintenance Tips
Preparing your home for winter is an important annual ritual for homeowners. For instance, did you know that adding insulation in your attic before winter arrives can help prevent ice dams this winter? And do not forget that tuning up your heating system now can help prevent more costly emergency repairs at the height of a storm, […]
How to Help Winterize Your Car
You may be inclined to think that your car runs well without much maintenance year-round, and besides an occasional trip to the mechanic for an oil change, any preparation for the winter months is not high on your priority list. In fact, cold temperatures and icy roads can create additional hazards for drivers and place […]
Changes to National Flood Insurance Program/FEMA/DHS
Several changes have occurred within the National Flood Insurance Program (NFIP) that will or already have impacted your Flood Insurance Policy. These changes comply with requirements of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12) and the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA) passed by Congress in their respective years. First, for […]
PROTECT YOURSELF AGAINST MAIL DELIVERY DELAYS
The Maryland Insurance Administration is aware that mail delivery delays have resulted in the cancellation or non-renewal of insurance policies for non-payment of premium. Sometimes this is because bills are not being delivered on time and sometimes it is because payment is not being delivered on time. While insurers are often willing to work with […]
How Self-Driving Cars Could Revolutionize Retirement
For many years, driverless cars were the stuff of science fiction — an intriguing thought exercise, but nothing we ever expected to see in the real world. That is all changing now, and quickly. Self-driving vehicles are in the testing phase in at least 10 locations around the U.S., and it is only a matter of […]
Overcoming Limitations: Finding New Ways to Stay Fit
Working out is a great way to improve health at any age, but jumping into a strenuous exercise regimen can lead to injuries, especially for people age 50 and older. It’s important for people who have not been exercising regularly to begin slowly and avoid the temptation to push themselves too hard, said Dr. Monali […]
