http://www.bankrate.com/default.aspx?pid=p:br3 Getting the most from your auto, health, life and homeowner policies en-us Copyright 2009, Bankrate Inc. Fri, 20 Nov 2009 09:22:12 GMT webmaster@bankrate.com (webmaster) http://www.bankrate.com/Images/logos/bankratelogo.gif http://www.bankrate.com/default.aspx?pid=p:br3 118 22 60 Check your state's office of insurance or consumer affairs to select a company that's in good financial shape. Wed, 18 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/shopping-for-life-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/shopping-for-life-insurance.aspx?pid=p:br3 Purchasing a little bit of extra insurance may go a long way toward protecting your wallet. Wed, 18 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/6-overlooked-insurance-policies-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/6-overlooked-insurance-policies-1.aspx?pid=p:br3 Take the time to read the details of your policy. What you don't know could really hurt you down the road. Wed, 18 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/understanding-your-home-insurance-policy-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/understanding-your-home-insurance-policy-1.aspx?pid=p:br3 When choosing auto insurance the lowest premium is not always the best insurance to buy. Wed, 18 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/finding-the-best-deal-on-auto-insurance-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/finding-the-best-deal-on-auto-insurance-1.aspx?pid=p:br3 Here's a guide to obtaining private health insurance if you are self-employed. Wed, 18 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/how-do-i/how-do-i-get-health-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/how-do-i/how-do-i-get-health-insurance.aspx?pid=p:br3 As the Senate debates health care reform, here are four ways to slash medical bills right away. Tue, 17 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/6-ways-to-trim-health-costs-today-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/6-ways-to-trim-health-costs-today-1.aspx?pid=p:br3 Put your financial house in order now so your loved ones won't have to sleuth after you die. Fri, 13 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/clean-up-messy-financial-affairs.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/clean-up-messy-financial-affairs.aspx?pid=p:br3 Return-of-premium policies are expected to cost much more in 2010, or vanish entirely. Mon, 02 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/huge-changes-for-rop-insurance-in-2010-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/huge-changes-for-rop-insurance-in-2010-1.aspx?pid=p:br3 Price is just one of the many things you need to consider. Make sure it meets your needs. Sun, 01 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/examining-the-health-insurance-company.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/examining-the-health-insurance-company.aspx?pid=p:br3 Locating a deceased's financial account information can be tricky when records aren't available. Sun, 01 Nov 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/sister-s-death-spurs-search-for-accounts.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/sister-s-death-spurs-search-for-accounts.aspx?pid=p:br3 Does the decline in housing prices mean your homeowners coverage and premium are too high? Tue, 27 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/time-to-reassess-your-homeowners-policy-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/time-to-reassess-your-homeowners-policy-1.aspx?pid=p:br3 It's the season to enroll in your employer's benefit plans. Sign up for those that save you money. Fri, 16 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/6-benefits-that-help-you-save-cash.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/6-benefits-that-help-you-save-cash.aspx?pid=p:br3 Not sure what you need to get started with an estate plan? Here are nine essentials. Thu, 15 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/personal-finance/9-key-estate-planning-tools-1.aspx?pid=p:br3 http://www.bankrate.com/finance/personal-finance/9-key-estate-planning-tools-1.aspx?pid=p:br3 Credit crunch and recession cause term life insurance rates to rise for the first time in decades. Wed, 14 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/term-life-rates-reverse-head-higher-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/term-life-rates-reverse-head-higher-1.aspx?pid=p:br3 Planning your estate isn't a one-time deal. Here's what to do at various times in your life. Tue, 13 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/personal-finance/8-life-stages-for-estate-planning-1.aspx?pid=p:br3 http://www.bankrate.com/finance/personal-finance/8-life-stages-for-estate-planning-1.aspx?pid=p:br3 Your estate plan should change throughout your life, depending on your circumstances. Tue, 13 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/video/video-8-stages-of-estate-planning.aspx?pid=p:br3 http://www.bankrate.com/finance/video/video-8-stages-of-estate-planning.aspx?pid=p:br3 Here's what to consider before you pay for protection now or risk the cost of a crash later. Thu, 08 Oct 2009 00:00:00 GMT http://www.bankrate.com/finance/auto/5-ways-to-save-on-auto-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/auto/5-ways-to-save-on-auto-insurance.aspx?pid=p:br3 Here's a step-by-step guide to determine how much life insurance you should have. Mon, 28 Sep 2009 00:00:00 GMT http://www.bankrate.com/finance/how-do-i/how-do-i-determine-how-much-life-insurance-i-should-have.aspx?pid=p:br3 http://www.bankrate.com/finance/how-do-i/how-do-i-determine-how-much-life-insurance-i-should-have.aspx?pid=p:br3 Some life insurance policies can do more than just pay out when you die. Sat, 19 Sep 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/how-do-i-use-insurance-as-an-investment.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/how-do-i-use-insurance-as-an-investment.aspx?pid=p:br3 Put the health care system on a gurney and run it into the operating room for a complete overhaul. Wed, 09 Sep 2009 11:00:00 GMT http://www.bankrate.com/finance/retirement/health-reform-needs-urgent-treatment-1.aspx?pid=p:br3 http://www.bankrate.com/finance/retirement/health-reform-needs-urgent-treatment-1.aspx?pid=p:br3 Here's a look at the pros and cons of campus and family health plans and advice on how to choose. Thu, 20 Aug 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/campus-health-insurance-or-family-plan-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/campus-health-insurance-or-family-plan-1.aspx?pid=p:br3 If you need a health care plan now, look into these alternatives to get quality, affordable care. Wed, 19 Aug 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/two-alternative-health-care-solutions-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/two-alternative-health-care-solutions-1.aspx?pid=p:br3 You can't control hurricanes, but you can minimize losses and save on insurance premiums. Sat, 15 Aug 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/11-ways-to-avoid-hurricane-damage-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/11-ways-to-avoid-hurricane-damage-1.aspx?pid=p:br3 Some detective work can help determine whether an old insurance policy has been paid out. Wed, 12 Aug 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/insurance-policy-mystery-lingers.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/insurance-policy-mystery-lingers.aspx?pid=p:br3 A look at what's covered and what's not covered by FDIC insurance. Sat, 01 Aug 2009 00:00:00 GMT http://www.bankrate.com/finance/savings/fdic-insurance-protects-your-money-except-when.aspx?pid=p:br3 http://www.bankrate.com/finance/savings/fdic-insurance-protects-your-money-except-when.aspx?pid=p:br3 Certain factors can invalidate a life insurance policy. Protect your heirs by taking these steps. Mon, 27 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/protecting-life-insurance-policy-claims-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/protecting-life-insurance-policy-claims-1.aspx?pid=p:br3 Have a dangerous hobby? Be prepared to pay big bucks for life insurance. Mon, 27 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/video/life-insurance-for-daredevils.aspx?pid=p:br3 http://www.bankrate.com/finance/video/life-insurance-for-daredevils.aspx?pid=p:br3 Many kids are unnecessarily uninsured. Health insurance can be cheap, even free for some. Tue, 21 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/financial-literacy/keep-kids-covered-with-health-insurance-1.aspx?pid=p:br3 http://www.bankrate.com/finance/financial-literacy/keep-kids-covered-with-health-insurance-1.aspx?pid=p:br3 Permanent insurance is more complicated. Learn about the three types. Tue, 21 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/financial-literacy/3-types-of-permanent-life-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/financial-literacy/3-types-of-permanent-life-insurance.aspx?pid=p:br3 Whether or not you need life insurance depends on your age, family structure and other variables. Tue, 21 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/financial-literacy/life-insurance-needs-vary-with-lifestyle-1.aspx?pid=p:br3 http://www.bankrate.com/finance/financial-literacy/life-insurance-needs-vary-with-lifestyle-1.aspx?pid=p:br3 Getting the right health insurance policy can make a big difference to your financial health. Mon, 20 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/shopping-for-a-health-insurance-plan-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/shopping-for-a-health-insurance-plan-1.aspx?pid=p:br3 The key to buying health insurance is to understand what's covered, the network and the deductible. Sat, 04 Jul 2009 12:48:00 GMT http://www.bankrate.com/finance/video/shopping-for-health-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/video/shopping-for-health-insurance.aspx?pid=p:br3 When your kids go to college, it's time to check the family's insurance. Sat, 04 Jul 2009 10:16:00 GMT http://www.bankrate.com/finance/video/kids-gone-check-insurance-coverage.aspx?pid=p:br3 http://www.bankrate.com/finance/video/kids-gone-check-insurance-coverage.aspx?pid=p:br3 A mortgage broker can be a big help on a land refinance that includes a so-called "story loan." Wed, 01 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/mortgages/use-mortgage-broker-for-land-refinance.aspx?pid=p:br3 http://www.bankrate.com/finance/mortgages/use-mortgage-broker-for-land-refinance.aspx?pid=p:br3 A vacation can be a big investment. Should you buy an insurance policy? Wed, 01 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/video-travel-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/video-travel-insurance.aspx?pid=p:br3 Wedding insurance provides some coverage but not changes of heart. Wed, 01 Jul 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/video-wedding-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/video-wedding-insurance.aspx?pid=p:br3 Medicare doesn't cover the cost of assisted living, but there are several ways to help finance it. Wed, 17 Jun 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/paying-for-assisted-living-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/paying-for-assisted-living-1.aspx?pid=p:br3 Your pet depends on you. Plan for the unexpected by getting pet health insurance and a pet trust. Mon, 08 Jun 2009 00:00:00 GMT http://www.bankrate.com/finance/financial-literacy/financial-planning-for-dogs-and-cats-1.aspx?pid=p:br3 http://www.bankrate.com/finance/financial-literacy/financial-planning-for-dogs-and-cats-1.aspx?pid=p:br3 Payment options ease the burden of high health care costs that are charged directly to consumers. Tue, 02 Jun 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/coping-with-out-of-pocket-health-care-cost-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/coping-with-out-of-pocket-health-care-cost-1.aspx?pid=p:br3 A mom with terminal cancer should consider a pot trust for her children's education. Wed, 18 Mar 2009 00:00:00 GMT http://www.bankrate.com/finance/college-finance/pot-trust-best-for-mother-with-cancer.aspx?pid=p:br3 http://www.bankrate.com/finance/college-finance/pot-trust-best-for-mother-with-cancer.aspx?pid=p:br3 Life insurers' losses make them seem vulnerable.  Can they keep their promises to consumers? Wed, 13 May 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/how-secure-is-life-insurance-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/how-secure-is-life-insurance-1.aspx?pid=p:br3 Investors bought annuities to guard against market declines, but now some insurers are suffering. Wed, 13 May 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/are-your-variable-annuities-safe-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/are-your-variable-annuities-safe-1.aspx?pid=p:br3 A new partnership program lets people hang on to some assets and still be eligible for Medicaid. Fri, 08 May 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/ltc-insurance-prevents-financial-wipeout-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/ltc-insurance-prevents-financial-wipeout-1.aspx?pid=p:br3 Some people don't need any life insurance, but most consumers should have some form of it. Wed, 06 May 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/how-much-life-insurance-do-you-really-need.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/how-much-life-insurance-do-you-really-need.aspx?pid=p:br3 Insurers are enticing consumers interested in energy-efficient cars and homes. Wed, 29 Apr 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/green-insurance-the-eco-alternative-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/green-insurance-the-eco-alternative-1.aspx?pid=p:br3 A growing number of Web sites can help you compare health care providers' price and quality. Mon, 27 Apr 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/rating-health-care-online-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/rating-health-care-online-1.aspx?pid=p:br3 It's tough, but not impossible, to get by without a group plan. Follow these tips to find a safety net. Wed, 22 Apr 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/dealing-without-health-insurance-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/dealing-without-health-insurance-1.aspx?pid=p:br3 Private disability insurance may offer extra benefits not found in employer-based coverage. Wed, 08 Apr 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/private-disability-coverage-worth-look.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/private-disability-coverage-worth-look.aspx?pid=p:br3 Insurance companies may reject an application if the homeowner's dog is from a blacklisted breed. Wed, 08 Apr 2009 00:00:00 GMT http://www.bankrate.com/finance/insurance/homeowners-insurance-bites-dogs-that-bite-1.aspx?pid=p:br3 http://www.bankrate.com/finance/insurance/homeowners-insurance-bites-dogs-that-bite-1.aspx?pid=p:br3 Prevent a financial train wreck by grasping the workings of each part of your policy. Mon, 30 Mar 2009 00:00:00 GMT http://www.bankrate.com/finance/auto/abcs-of-auto-insurance.aspx?pid=p:br3 http://www.bankrate.com/finance/auto/abcs-of-auto-insurance.aspx?pid=p:br3