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Insurance

Now Covered By Umbrella Insurance

by Luke Landes

There is nothing that can derail your financial success or path to independence as fast as being held liable for some kind of catastrophic loss without the appropriate level of insurance coverage. Automobile and homeowners insurance (or renter’s insurance) cover only up to a certain amount of your liability if you or your property is […]

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Credit Life Insurance: You Don’t Need It

by Luke Landes

Occasionally, Consumerism Commentary readers send in questions or stories they’d like to share with a wide audience. These questions and stories come to me through email, via Facebook, and through this website. Recently, a new reader who discovered Consumerism Commentary due to my multi-year coverage of Bank of America (primarily the articles pertaining to the […]

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Aftermath of Sandy: Check Your Insurance Coverage Before the Storm

by Luke Landes

I hope all Consumerism Commentary readers affected by Hurricane slash Extra-Tropical Storm slash Low-Pressure System Sandy are alive and safe and have avoided damage. I lost power for sixteen to eighteen hours, and although I live near a canal, flood waters didn’t reach me. Many of my local friends are still without power, and my […]

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Life Insurance: Who Needs It?

by Luke Landes
Life saver

Vote today for Consumerism Commentary or your favorite blog in the People’s Choice Plutus Award! Simply type www.consumerismcommentary.cominto the ballot or click the button next to your favorite. Having worked for an insurance company in the past, I may be more critical of the industry than most. Don’t get me wrong. It’s very important to […]

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Mutual Vs. Public Insurance Companies

by Luke Landes
Nationwide Mutual

A former boss of mine, high up the corporate ladder in an insurance company, often complained about his own industry. “Insurance companies make money by not providing a service to their customers.” That is, insurance companies make money by collecting premiums and paying out the least amount of benefits possible. Of course, there’s a tough […]

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Universal Life Insurance

by Luke Landes

Every once in a while, I receive financial questions from readers. I am not a financial adviser, so I usually suggest those needing significant assistance with their financial decisions to seek the advice of a professional. However, I don’t mind answering general questions that might be helpful for a wider audience. If you have any […]

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Life After Salary: COBRA vs. Individual Health Insurance

by Luke Landes

One month ago, I notified my boss at the corporation where I worked that I would be leaving. I was headed for the new frontier. Leaving my salary and benefits behind, I looked to the horizon and contemplated what I needed to do in order to keep my life secure. My biggest concerns besides maintaining […]

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Life After Salary: Individual Health Insurance

by Luke Landes

Now that I’ll be leaving my corporate job and leaving behind the benefits a salaried position afforded me, I need to begin looking at alternative options for those benefits. One of the first concerns on my list is health insurance. Inside the company, our annual benefits enrollment period was completed only a few weeks ago, […]

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Do I Need Long-Term Care Insurance?

by Luke Landes

As I mentioned a few days ago, Consumerism Commentary is matching your charitable contributions. Please take this opportunity to give to your favorite charity. Here’s how to make your charity count twice. I work for a financial services company (a situation soon to be rephrased in the past tense), and every once in a while, […]

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Children Covered by Parents’ Health Insurance Plans

by Luke Landes

A Consumerism Commentary reader wrote in with the following question: I called our health insurance company about adding our sons back on our policy and they said they still had to be in school for 12 credit hours. Is this true? They said the new law did not effect them yet. Any answers for this […]

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