Employer or Company Paid Insurance Pros and Cons

This article does a great job of explaining all the things that need to be considered when looking into buying life insurance and you have the option of buy additional amounts from your employer. This is the first article I saw that explained that you have to pay taxes on coverage your employer pays for that is above a certain amount. This complicates things a little, but if you think through it you will be fine. The basic idea is that if you are in good health you should find a better deal outside your employer and along with the cheaper rate you get to keep the coverage if you ever leave the company. (Pros, Cons Of Company-Paid Insurance)

Saving Money By Lowering Insurance Costs

(The 10 costliest cars to insure). A great way to save money is to pay less for insurance, so next time you are looking to buy a car keep these reasons for higher insurance rates in mind. This article does a great job of explaining some of less apparent, but logical reasons for insurance rates.

Term Life Insurance Rates Going Down

(Suddenly, life insurance is cheap) This is great news for anyone with people that depend on them for their financial well being. The article discusses how term life insurance rates have dramatically declined in recent years. The main reason being that selling these policies is no longer lucrative for insurance agents. An agent would rather sell you a more advanced insurance product that they get higher commissions on. Something to think about if you visit a financial planner and they gloss over a term policy and move on to other options.