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Premium life insurance is a special type of term life insurance policy coverage that protects your family during the years they need it most but does not commit to life insurance premium payments for 10, 15, 20, or 30 years. It provides short-term flexibility and pays back some of your monthly premiums. Not all life insurance companies offer this type

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Housing can have a profound impact on your health. Having a house to live in is one thing. Making sure you are healthy, and ensuring the house you live in makes you healthier is a whole lot different. About 90 percent of an average American’s time is spent indoors, and two-thirds of that time is spent in the home. Very

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Renewing car insurance automatically can be a part of a well-organized and beneficial insurance renewal process if records are updated and due process is followed. If you provide updated information, your insurer must fulfill any coverage and benefits that you have purchased when it is time to file a claim. Maintaining car insurance is crucial and an automatic renewal of

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Renters, like homeowners, can protect personal property with specific insurance. Basic renters insurance covers many items, but renters may need extra coverage in some cases, which is why it is necessary to discuss your policy with your insurer from time to time. Here are steps for a renter to take when filing a claim if personal property is stolen or

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What happens when an employee gets injured while attending a work holiday party? It is a complex legal issue that depends on several variables of the victims to receive payments from a workers’ compensation policy. Each state has its own specific requirements for what types of injuries and illnesses are covered. Here are essential points to know about holiday party

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Wildfires have become increasingly more common in some geographic regions, which should raise concerns about property damage. Cars can also be destroyed by natural fires that burn out of control as well. Therefore, all vehicle owners who live in regions prone to wildfires should make sure their car insurance provides appropriate coverage for a fire damage claim. Here are some

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How special would it be to give a loved one life insurance as a Christmas gift? Granted, it is a very unusual idea, but remember, it is the thought that counts. Ensuring someone’s access to living expenses is a charitable thought that goes a long way in showing respect and care. Here are some other important reasons to give someone

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No matter how careful your business can be, accidents happen. If the worst does occur, it’s worth knowing how to file a business insurance claim that will get your finances back on their feet as soon as possible. It’s also worth knowing the common mistakes business owners make when filing Texas business insurance claims so that you can avoid doing so.  

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Despite workers’ compensation insurance being so important for every U.S. employer, the insurance coverage remains largely misunderstood and overlooked by business owners. Texas, unlike other states, does not require an employer to have workers’ compensation insurance. However, it is highly encouraged to purchase and every business, large and small, can benefit from the coverage it provides. To learn more about

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Thanksgiving is right around the corner and, for many of us, this year things will look a little different. Perhaps you’re not able to see your loved ones this year so there will be fewer seats around the table. Perhaps you’re not able to go away on that vacation. Whatever your plans, it is important to ensure the safety of

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