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Captives and Other Risk-Financing Options

Traditionally, businesses and other organizations have handled risk by transfer- ring it to an insurance company through the purchase of…

Disability Insurance Basics

Disabling injuries affect millions of Americans each year. Disability insurance, which complements health insurance, helps replace lost income if an…

Long-Term Care Insurance Basics

Long-term care insurance pays for services to help individuals who are unable to perform certain activities of daily living without…

Annuities Basics

Annuities are financial products intended to enhance retirement security. An annuity is an agreement for one person or organization to…

Life Insurance Basics

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool…

Business Insurance Basics

Most businesses need to purchase at least the following four types of insurance: Property Insurance Property insurance compensates a business…

Homeowners Insurance Basics

Homeowners insurance provides financial protection against disasters. It is a pack- age policy, which means that it covers both damage…

Auto Insurance Basics

Auto insurance protects against financial loss in the event of an accident. It is a contract between the policyholder and…

Insurance Basics

The insurance industry safeguards the assets of its policyholders by transferring risk from an individual or business to an insurance…

The Future of Bitcoin

Where is Bitcoin headed? No one knows for sure, but a popular refrain is heard in the Bitcoin community: In…