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Cash-Value Life Insurance For Wealth Building

May 10, 2016

Have you ever thought about using life insurance for wealth-building?  It is something that more and more high-net-worth people are using to stack the deck in their favor when it comes to increasing returns and lowering their taxes. If you are using a typical savings account to park your cash while you are saving for big expenditures such as weddings, educations, and automobiles, you are foregoing the benefit of the higher yields that cash-value life insurance policies can offer. Given that Read More

7 Rental Car Insurance Secrets

May 5, 2016

Have you ever rented a vehicle? If you have, then you have been cautioned by people at the rental car counter concerning the possible impacts of driving without getting their rental car coverage offerings. This article sets out to clarify rental car insurance secrets they don't want you to know about. If you are like many people, you might not feel certain about just specifically what your present auto insurance includes. And that's specifically what rental companies are counting on so they Read More

Distracted Driving: A Widespread Issue

April 26, 2016

Americans daily participate in a hazardous interaction with their phones while driving. Not many segments of our economy bring more assurance than our smartphone sector, and as a society, we are high on the substantial benefits that technology gives us. However, technological advancements have provided hurdles and challenges that are threatening our safety and security. Distracted driving is without a doubt a widespread issue. The association with distracted driving involves making phone calls, Read More

6 Reasons Why Mutual Funds Won’t Work

April 21, 2016

I’m going to step on a few toes in this article...some very powerful toes!  Here are 6 reasons why mutual funds won't work. But, it’s time the truth is told about what is happening to our precious retirement money in Mutual Funds.   The average value of retirement assets owned by Americans today is virtually unchanged from 15 years ago.  That means we have lost 15 years of valuable time needed to grow our accounts to reach our retirement goals.  For those of us that are 10-15 years away from Read More

Why Florida Residents Don’t Need Life Insurance

April 15, 2016

5 Reasons Why Florida Residents Don't Need Life Insurance Who are we to say that everyone needs life insurance? After all, things in life are rarely "all or none". But...there can be some exceptions and that is precisely the point of this infographic. Do any of the scenarios above pertain to you?   Read More

2 Common Mutual Fund Misconceptions

April 13, 2016

Mutual Fund Investors Are Stunned When They Learn About These Mutual Fund Misconceptions During the last five decades, the mutual fund/ financial media market has progressed to be a monster, standing at 8.3 percent (or just about $1.3 trillion) of U.S. gross domestic product. There is presently about $13 trillion of investor's cash under control by the mutual fund industry. In order for this engine to function, it calls for our money. Because of this, we have been conditioned to accept Read More

7 Secrets: How to Buy Bank-Owned Properties in Florida

April 4, 2016

7 Secrets You Can Use Now To Buy Bank-Owned Properties in Florida Would you be interested in finding a Florida home for half-price? Presently, banks nationwide are guesstimated to own over 1,000,000 SFRs (Single Family Residence). But did you know?...Banking laws require them to be put up for sale, as the banks are not authorized to make money from them or retain them long term. In contrast to 5-6 years ago, the banks are no longer listing these homes with Realtors. Here's are Read More

8 Secrets Of Buying Luxury Cars For a Fraction of The Price: The Formula

March 28, 2016

buying luxury cars

The idea of buying luxury cards can be pretty intriguing up until you weigh in the quick loss of value that brand-new automobiles sustain. In fact, studies across the board show that the average car decreases roughly 60 percent during the first five years of its existence. If you spend eighty thousand dollars for a brand new vehicle, you can anticipate that it will be worth thirty-two thousand dollars five years from now. If you are the kind of person who enjoys a good deal and a great value, Read More

Life Insurance At Work: Is It Enough?

March 16, 2016

Life Insurance at Work

It’s a common answer when we ask clients if they have life insurance. They respond by saying that they have life insurance at work. While life insurance at work can be a good supplement to other policies you have outside of work, there are some serious risks involved by only relying on life insurance coverage provided to you by your employer. Top 5 Risks of “Life Insurance At Work” Risk #1: Employment Statuses Change The employer providing benefits to you today may not necessarily be your Read More

How Florida Residents Are Getting Life Insurance

March 10, 2016

Faina Life Insurance

The Life Insurance Mistakes To Avoid When you choose to purchase a life insurance policy, you are buying a promise from an insurance carrier that it will pay your loved ones listed as beneficiaries on your policy a set amount of money. This money is also known as a death benefit, and it is paid out if you pass away in the middle of the policy's term. In exchange, you agree to pay regular monthly premiums to the insurance company throughout that term. For numerous individuals, it might be Read More

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Lisa Faina, CIC, LUTCF

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  • While the chances are slim, have you ever thought about how your insurance policy would protect you in the event that you were hit by a stolen vehicle? Just how would it work? It is good to educated yourself so that you understand. After all is the owner of the vehicle obligated to cover your damages? Effectively, the simple answer is no. The reality is that there is likely no obligation when it comes to the car's owner the second the injury is caused by illegal usage, such as theft. Thus, the owner's liability insurance coverage would not apply to the damages to your auto, due to the fact that there is actually no legal liability on the part of the owner. That is why when it comes to an instance like this, it is important to understand that there are optional insurance coverages accessible to you and it gives you an understanding of why it can make sense to carry supplementary insurance coverages such as Comprehensive, Uninsured Motorist Property Damage (UMPD), and even Collision coverage. Comprehensive and Collision coverage are often required through your financial institution or leasing company assuming that you finance or lease your car. Comprehensive insurance protection relates to non-vehicle varieties of perils, such as hail, flood, collisions with animals and even theft. On the other hand, because it was not your car which was stolen, Comprehensive coverage would probably not apply for this circumstance. Instead, the collision coverage should apply, addressing destruction to your car arising from a wreck with another motor vehicle or object. The fault does not actually really matter where collision coverage is involved. Collision in most cases contain a deductible, that is a fixed amount of cost that you pay out before your insurer's duty to pay begins. For instance, supposing that your deductible were simply $500 you would pay the first $500 and then your insurance company would taken care of anything over that amount of money, up to the limitation of liability with respect to that coverage. In the case of collision coverage, the limitation is in most cases the lesser of the cost of repair, the fee of replacing or the actual cash value of your automobile. Some policies feature "caps" regarding collision recovery, hence review your policy carefully. The more costly your insurance deductible, the less you'll have to shell out for your insurance, but the lower the insurance deductible, the less you shell out of pocket if something occurs. This is simply another factor to bear in mind when looking over additional policy coverages. Even though the probabilities of getting struck by a stolen automobile are certainly slim, getting hit by an individual without insurance is not. Numerous people drive a vehicle around without being insured which is an additional detail to bear in mind when buying a policy. It is very important to be knowledgeable about situations such as this, as it is usually better to be prepared rather than to end up in a sticky situation.There are actually various kinds of additional insurance coverages available, including ones that include bodily injuries as well. Talk to your insurance company and ask questions like these to come up with the very best protection plan for you.What Happens When You Collide With A Stolen Vehicle?
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