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Insurance is something we all need but none of us want. The BlueCollarDollar looks at life, health, home and auto insurance with a skeptical eye.

Because we know, without it, we would not be able to take risks, grow economies, or prosper. But that doesn't mean it has to be hard to understand.
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Insurance

Insurance in the News

Universal Health Care can work. But it might need a Medical Army

New rule would limit insurers contact with elderly, disabled
By KEVIN FREKING
WASHINGTON (AP) ‹ Agents selling private health insurance plans to the elderly and disabled would be barred from cold-calling, door-to-door solicitations and pitching their products outside hospital waiting rooms or pharmacies, under a federal rule proposed Thursday.

Do You need Trip Insurance?
Groundings, bankruptcies and the outright closure of airlines in recent weeks have sparked a flurry of interest among travelers curious about insurance to protect them against those hazards.

Insurance Companies Refuse to Pay Rightful Life Insurance
By Sach Oliver
When someone loses a loved one, the last thing they want to do is fight with the insurance company over life insurance proceeds.

Insurance competition means drivers must shop carefully
Susan K. Scott

Before rushing to shop for a new auto policy, consumers need to take a minute to evaluate their situation.

What do you know about Long-term Care Insurance? Do you know what to ask the agent selling you the policy? If not, here are 18 Questions to ask about Long-Term Care (LTC)
There are a lot of health insurance proposals in the news. Here is a quick look at what they mean to you and me.

Insurance Guides
An Insurance Primer
An overview of the various types of insurance that are available from the folks that protect everything you worry about.
Life Insurance | Health Insurance | Car Insurance | Home Insurance


Insuring the Children

Commentary: On 10.04.07, President Bush vetoed a bill authorizing additional spending for the State Children's Health Insurance Program or S-chip based on the belief that the growth of this much needed program would lead to the expansion of health care sponsored by the government. Unfortunately, as is so often the case with this administration, it couldn't be farther from the truth.

Important Tips for insuring your grown children

Which country has over ten million 25 to 34 year olds without any sort of health coverage at all while adding another 1.4 million each year to the ranks of 45 million who have nothing to protect them?

According to the Employee Benefits Research Institute, many people who are healthy are opting not to pay the ever increasing premiums.


There are new rules for your Health Savings Accounts that could save you thousands of dollars

Inside each of us, hidden away and waiting to be tapped, is a Financial Planner. All you need do is ask the right questions.


Is it time to review of how you have planned for a disaster? A quick look at those policies might just give you some added peace of mind.
And while you are at it, take a look at the Life Insurance policy as well.
Have you considered insuring that vacation you are planning? Here is everything you need to know about Travel Insurance
Insuring your Property
Have your property values increased during the recent run-up in housing prices? It might be time to look into increasing your homeowner's coverage.

Home Insurance
The Changing Face of Insurance

Without a CLUE

Has the change in the insurance industry caught you by complete surprise.


Who Should Pay

While this is unquestionably a national crisis, health coverage will not be solved at the bargaining table.

Avoiding Being Kicked When Down
Combined with a large void in the education about investing (that was not attached to a product) and my curiosity, the search for disability insurance actually led me to a career as a writer.

What I found out then startled me. And still does. The Social Security Administration is a harsh administrator when it comes to doling out funds for the truly disabled.


Buyer Beware
According to numbers recently published by the Kaiser Family Foundation, in 2002 43.6 million people in the United States are doing without health insurance. Before buying coverage that seems to be too good to be true, check with your state's regulators.

Concerns
The statistics suggest you will be more likely to get hurt than die during your working career. There is protection out there. Disability insurance might be worth investigating. The whatfors


The Newest Idea This freedom to chose their own personal health service has its good side and its downside.
Will your Company adopt a Defined Health Plan?

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