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Legal Protection Insurance (LPI): Your Rights Matter

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.

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However, not everything always […]

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

Comprehensive Auto Insurance – A Must Have

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 […]

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

Insurance Fraud – How Not to Become a Victim

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 […]

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

Stolen Car? What to Do Before Hitting That Panic Button

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 […]

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

Driving Without Insurance? Know the Risks You Are Taking

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% […]

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

Mastering FHA Loans

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 […]

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

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

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 […]

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

Home Loans and Private Mortgage Insurance (PMI)

Most financial institutions require borrowers to pay for private mortgage insurance (PMI) if their down payment on a house they intend to purchase is less than 20%. PMI is a protection lenders seek to avoid losing money in case a home loan results to a foreclosure. After years of payment and the loan-to-value (LTV) ratio […]

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

A Stress-free Journey with Your Recreational Vehicle

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Recreational Vehicles (RVs) are motorized vehicles or trailers used for camping or other recreational activities. What makes them different from regular vehicles is the presence of a living space that is usually found in homes. Mobile homes, off-road vehicles, snowmobiles or conversion vehicles are not considered as RVs. The Recreational Vehicle Industry Association […]

By |June 27th, 2017|Uncategorized|0 Comments

Analyzing High Deductible Health Plans

As defined by the Internal Revenue Service (IRS), a high deductible health plan (HDHP) refers to any plan that has a deductible of at least $1,300 US for self-only or $2,600 US for a family for 2017. While HDHPs have lower monthly premiums, health care costs are charged bigger, before the insurance company begins to […]

By |June 14th, 2017|Uncategorized|0 Comments