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Category: Risk Management
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How to Freeze Your Credit, Benefits of Doing So

Protecting your personal information is more important now than ever before. With the increasing number of data breaches and identity theft cases, it's crucial to take proactive steps to safeguard your credit. One effective way to do this is by freezing your credit. Let's dive deeper into what credit freezing is, how to freeze your credit, and the benefits of taking this precautionary measure.

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3 Common Fraud Schemes Against Seniors

Protecting ourselves and seniors from fraud schemes requires awareness, education, and vigilance. By understanding the common schemes used against seniors, we can empower them to recognize scams and avoid becoming victims. Learn about the three most common fraud schemes against seniors and how to avoid them.

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Title Protection: Safeguarding Your Property Ownership

Did you know your property ownership is vulnerable to cyber thieves? In this article, we dive into the world of property title protection and explore ways that you can add layers of defense against potential property fraud. Your dream home deserves more than just your investment, it deserves your vigilant protection.

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Do You Know the 80/20 Rule in Homeowners Insurance?

Have you heard of the 80/20 Rule? The 80% Rule is an insurance industry standard that stipulates policyholders must carry enough homeowners insurance to cover at least 80% of their home’s replacement cost. If a policyholder’s coverage falls below 80% of the home's replacement cost, the policyholder becomes a co-insurer in their loss, which can be a significant financial burden. Learn more

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How is My Money Protected by FDIC and SIPC Insurance?

FDIC and SIPC insurance provide important protections to individuals and businesses in the banking and securities industries, respectively. FDIC insurance offers coverage for deposits at FDIC member banks, protecting the principal amount of the deposit in case of bank failures. SIPC insurance provides limited coverage for securities and cash held by customers of failed brokerage firms, helping to facilitate the recovery of assets in case of insolvency or fraud. Learn more.

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Finding the Right Insurance Agent

Protecting your home and auto assets is an important piece to your LifePlan. But finding the right Homeowners and Auto insurance can seem overwhelming. Do you just go with what's easiest and choose someone you know? One way people navigate this complexity is by talking with an independent insurance agent. Independent agents are licensed to sell insurance products from multiple companies instead of being direct employees of just one company. Learn more.

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Medicare: Have You Overlooked Your Choices?

Two years ago I turned 65 and had to select a Medicare Plan. There are several levels of options that must be chosen and they can be very confusing. Keep in mind I have my insurance license and it still took me about two weeks to research and make a final decision. Learn more from my experience to determine if you may have overlooked your Medicare choices.

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Filling the Gap with Disability Insurance

Many people who feel the need to financially provide for their families "in case the worst happens" often seem to have only a vague idea of how to provide for them if they are unable to work for a time due an accident or extended illness. Learn how Disability Insurance is applied to determine if it's right for you in your "life planning".

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Find Help with Your Medical Bills

Despite over 90% of the United States population having some form of health insurance, medical debt remains a persistent problem. For people and families with limited assets, even a relatively small unexpected medical expense can be unaffordable. For people with significant medical needs, medical debt may build up over time with often no other option but making monthly payments as you can.

It can be understandably distressing trying to figure out how to pay out-of-pocket medical expenses — but it is important to understand all your options and to get financial assistance for medical bills as soon as possible. Check out these tips to help you in navigating your medical bills.

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