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Articles by Ryan Patterson

• What's the Difference Between Permanent and Whole Life Insurance?
  Whole life insurance is a type of permanent insurance, and both of these have terms lasting until the end of the insured's life, as opposed to term life insurance, which, as the name suggests, only covers the life of the insured for a specified term.
  Published 17Sep2008, viewed 379 times

• Divorce: Whole Life Insurance or Term Life Insurance?
  For many divorcing couples, a term life insurance policy offers several advantages over a whole life insurance policy, and allows divorcing couples sensitive to fulfilling their financial obligations to each other and their children some affordable and sensible options. When the time comes to divide assets between divorcing couples, careful attention should be given during negotiations to provide for a life insurance policy.
  Published 28Aug2008, viewed 350 times

• How Can I Locate a Lost Term, Whole Universal, or High Risk Life Insurance Policy?
  In many such cases, finding a missing life insurance policy could mean the difference between bankruptcy and financial security. If you've lost a life insurance policy, find out here what steps you can take and which places you can check to locate a lost term, whole universal, or high risk life insurance policy.
  Published 27Aug2008, viewed 342 times

• Before Seeking Life Insurance Quotes, Consider This: Individual or Group Insurance—or Both?
  Before you begin shopping around for life insurance quotes, you need to consider whether you're looking for group policies or individual policies. Find out what the difference is, and why you might be shopping for both.
  Published 26Aug2008, viewed 312 times

• How to Find Affordable Term or Whole Life Insurance
  When it comes to understanding term or whole life insurance policies, there's good news and not so good news. The good news is that both term life insurance and universal or whole life insurance have become cheaper over the past decade. The bad news is that almost all of we mortals are going to need life insurance if we want to protect our loved ones after we die.
  Published 22Aug2008, viewed 336 times

• 6 Reasons to Buy Whole Life Insurance or Term Life Insurance
  Securing quality term or whole life insurance coverage is important, especially if there are people in your life whose financial stability depends on your income. Find out six reasons why you should purchase whole life insurance or term life insurance to protect your family and loved ones.
  Published 21Aug2008, viewed 369 times

• Tips for Saving Money on Permanent and Term Life Insurance
  Whether you're looking to buy permanent or term life insurance, or even over 50s life insurance, there are things you can do to save money. While life insurance may not be a subject that's fun to think about, nonetheless it's important to have sufficient coverage to protect your family. Consider the following tips to secure good coverage and lower the price you pay for insurance.
  Published 14Aug2008, viewed 355 times

• Cover Those Family Jewels With More Than Just Renter's Insurance
  If you are a homeowner or renter you probably have either homeowner's insurance or renter's insurance that covers most of your valuables. But, consider that a lot of insurance companies are dropping their customers at the slightest suggestion of a claim. Do you really have the coverage you need for your most valued possessions? Most policies cover the "cost" value of your valuables, not the actual replacement cost.
  Published 09Jul2008, viewed 331 times

• When Two Households Become One: Home Contents Insurance for Couples Approaching Marriage
  The two of you are living together and engaged to be married. You've entered into the, "What's mine is yours and what's yours is mine" frame of mind. You've only been living together a few months in what used to be exclusively his apartment. So, iss any of your stuff insured under his home contents insurance policy?
  Published 04Jul2008, viewed 502 times

• Do You Have Home Contents Insurance?
  Have you purchased adequate home contents insurance to protect your valuables against loss from fire, windstorm, lightning strike and theft? The way to be sure you've got sufficient home contents insurance is to make a detailed home inventory and keep it updated.
  Published 03Jul2008, viewed 346 times

• Theft? Earthquake? Flood? Insurance for Homeowners: What Does it Cover?
  If you're a new homeowner, understanding your homeowners insurance policy is really important, but sometimes trying to figure out all of the policy's components - or whether you need additional coverages such as flood insurance - can get confusing. Remember that a standard homeowner's insurance policy includes four essential types of coverage.
  Published 01Jul2008, viewed 359 times

• Cancellation or Non-renewal: It Pays to Know the Difference for Affordable Car Insurance
  You have auto insurance, but at some point down the road you may receive a notice that your auto insurance policy will become ineffective in X number of days (it varies from state to state). And, it's important to understand exactly why the policy is expiring because it means the difference between a mere inconvenience and payback for an event you can't seem to live down. Find out the difference between cancellation and non-renewal.
  Published 29May2008, viewed 408 times

• Affordable Auto Insurance: What's Everyone Else Paying?
  All drivers want affordable auto insurance, but the average price drivers pay for insurance yearly varies greatly from state to state because of factors such as the stability of the economy and the state's population size. Check out the following information to find out how much insured drivers in your state are paying compared to other states.
  Published 28May2008, viewed 430 times

• Divorce and Affordable Auto Insurance
  Deciding who gets which car may be an obvious decision in a divorce, but careful consideration of how to take possession of an affordable auto insurance policy may be a little more difficult. While auto insurance regulations and collision coverage requirements vary by state, there are enough similarities to offer this quick checklist to make sure that you're covered.
  Published 26May2008, viewed 225 times

• Choosing the Right Vehicle Means Saving on Car Insurance for a Young Driver
  It's time for another "first" for your child—the first car, but you've heard the stories about how expensive premiums usually are for teen drivers. Learn how to find reasonably priced car insurance for a young driver.
  Published 21May2008, viewed 257 times

• Affordable Auto Insurance: How Do Insurance Companies Calculate My Premium?
  Find out how insurance companies calculate your auto insurance premium. When researching the most affordable auto insurance rate, it helps to know what statistical components most insurance companies take into consideration.
  Published 16May2008, viewed 489 times

• Finding Affordable Car Insurance: A Discount Auto Insurance Checklist
  The following checklist provides discounts you can ask about when shopping for affordable car insurance. Remember, though, that the availability of discount auto insurance varies by state and company.
  Published 15May2008, viewed 404 times

• Affordable Auto Insurance With a Good Credit Rating
  Most people know they have a consumer credit score, but few realize there is a similar ranking used by auto and property insurance companies to rate a customer's potential liability and it is key to getting affordable auto insurance.
  Published 14May2008, viewed 458 times

• Save Money: Affordable Auto Insurance
  If you're shopping for affordable auto insurance and looking to save money, there are many variables to consider. The price of auto insurance varies depending on the car you drive, your driving record, and the insurance company you choose. This guide has information to help you choose the best auto insurance policy for your goals.
  Published 13May2008, viewed 368 times

• Changing Jobs: What About COBRA Health Insurance Benefits?
  If you work for a company that offers generous health insurance benefits, especially if your employer is not required to provide COBRA health insurance, it's apparent why you've delayed looking for a new job or ruled out working for yourself. Fear of parting with employer-sponsored health insurance is legitimate, given the steady decline in number of companies that offer it and the high cost of paying for coverage yourself.
  Published 04May2008, viewed 415 times

• Don't Overpay on Individual Medical Insurance Claims
  With ample opportunities for billing errors within today's complex health care claims and reimbursements systems, it's a wonder people carrying individual medical insurance don't spend more time carefully checking each Explanation of Benefit. Checking your EOB is the first line of defense against overpaying on a health insurance claim.
  Published 03May2008, viewed 351 times

• Avoiding Health Insurance Claims Denials on Group or Private Health Insurance, Part 2
  Unfortunately, paying for health care these days ' whether it's hospital care, group or private health insurance, or durable medical supplies - is a lot like buying a car: You gotta haggle. If you can research and take care of your out-of-pocket expenses prior to surgery, it's possible and wise to negotiate with the hospital and providers for a lower out-of-pocket rate.
  Published 02May2008, viewed 279 times

• Avoiding Health Insurance Claims Denials on Group or Private Health Insurance Policies, Part 1
  These days a patient must be vigilant about his own health care in terms of researching treatment, securing pre-authorizations, and knowing what to do if his group or private health insurance policy denies a claim. A denied claim feels like a knife in the back placed there by the very company that's supposed to be watching your back. Luckily, some claim denials can be easily avoided.
  Published 01May2008, viewed 249 times

• Can You Get Separate College Student Health Insurance for your Child?
  With the joy and excitement of sending a child off to college comes a new set of parental responsibilities that encompasses everything from financial aid to finding affordable housing. You also need to make sure adequate college student health insurance is in place for your college-bound children.
  Published 27Apr2008, viewed 359 times

• You've Found Personal Health Insurance; Should You Buy Long-Term Care Insurance for Aging Parents?
  Planning to cover your own insurance needs, from finding good personal health insurance to choosing the correct auto insurance coverages can be a challenge. But, don't forget to consider your role in caring for aging parents as you build your insurance portfolio. This article will help you decide if you should buy long-term care insurance for them.
  Published 26Apr2008, viewed 403 times

• Protecting Your Family: Health Insurance, Life Insurance, And, Don't Forget! - Disability Insurance
  Most breadwinners buy family health insurance and life insurance policies to protect their families, but when it comes to long-term disability insurance, many people skimp. Find out why you shouldn't underestimate your need for disability insurance.
  Published 25Apr2008, viewed 224 times

• Buying Low Cost Health Insurance: Tips and Guidelines for Getting Your Money's Worth
  It's hard to find low cost health insurance, but the process is rewarding if done with some professional input. A good checklist and resources like US Insurance Online can help you streamline the process. Do your research and figure out the exact details of the type of policy you need, and you can save hundreds or thousands of dollars each year on health insurance premiums.
  Published 18Apr2008, viewed 351 times

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