Insurance Blog

1212, 2017

Saving on Home Insurance: A Practical Guide

By |December 12th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

No one can argue with the benefits of purchasing home insurance. Some of the most common reasons that justify the need for such include protection from natural disasters, theft, damaged personal property, vandalism or malicious mischief, smoke, and explosion. If your home is in mortgage, your lender is likely to require that you […]

2311, 2017

Investing in Permanent Life Insurance

By |November 23rd, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

Image source: Vela Point

One of the reasons why some people find it difficult to decide whether investing in life insurance is a wise move or not is due to lack of basic understanding of the different types of life insurance. Let us clarify the most common issues that every individual may have about […]

711, 2017

What to Do When Your Insurer Declares Total Loss | Car Insurance

By |November 7th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

Insurance companies have the right to declare a vehicle as total loss. This is the time when they determine that it is no longer practical to complete repairs; and that the actual cash value (ACV) is already lower than the cost to repair the vehicle. When this happens, unfortunately for the owner, the […]

2210, 2017

Legal Protection Insurance (LPI): Your Rights Matter

By |October 22nd, 2017|Uncategorized|0 Comments

Purchasing a policy usually involves collecting quotes from preferred insurers, choosing an insurance agent, and asking the right questions before finally making a decision. The process is usually a smooth one and may only result to delays if either one of the parties is not satisfied with the current terms.

Image source: PAGE

However, not everything always […]

1010, 2017

Comprehensive Auto Insurance – A Must Have

By |October 10th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

After the devastating effects of Hurricane Harvey, car owners who do not have a comprehensive coverage in their auto insurance policies have an additional burden to deal with. They are probably faced with the dilemma of bringing the car for repair and face the risks associated with such catastrophe, or purchasing a new […]

2009, 2017

Insurance Fraud – How Not to Become a Victim

By |September 20th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

Anyone can fall victim to insurance fraud. In fact, estimates suggest that it may be the second biggest economic crime in the US. Fraud can cause serious financial implications on consumers, the government and businesses. The National Heritage Insurance Company underwent one of the biggest insurance failures after New Yorker Rabbi Sholam Weiss […]

909, 2017

Stolen Car? What to Do Before Hitting That Panic Button

By |September 9th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

The Federal Bureau of Investigation (FBI) reported that motor vehicle theft in the US increased by 3.1% from 2014 to 2015. In fact, a motor vehicle was stolen every 45 seconds in 2015. Whether your reason for buying a car is by necessity or luxury, it is every car owner’s responsibility to avoid […]

2308, 2017

Driving Without Insurance? Know the Risks You Are Taking

By |August 23rd, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

If you answer yes to the question, there may be a need to reconsider your decision. According to a 2014 study by the Insurance Research Council (IRC), the percentage of motorists who are driving without insurance have been declining in recent years. In fact, from 1992 to 2012, it has decreased from 15.6% […]

608, 2017

Mastering FHA Loans

By |August 6th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

The Federal Housing Administration (FHA) loans allow prospective homeowners to purchase homes with low costs and down payments at easy credit-qualifying criteria. Those aged 62 years or older and live in their homes may be qualified for the FHA Reverse Mortgage, which allows homeowners to convert a portion of their equity into cash.

Here […]

2507, 2017

From Single to Married: How Do Your Insurance Needs Change?

By |July 25th, 2017|Uncategorized|0 Comments

By Dez Duran-Lamanilao

It is human nature to undergo different stages in terms of physical, emotional, mental and even financial aspects of one’s life. And as your outlook and expectations change, so do your insurance needs. When you decide to marry, there are considerations that you must keep in mind to keep your future and those […]