Does homeowners insurance cover HVAC replacement? This is what’s actually included.

Not every HVAC failure is created equal in the eyes of your homeowners insurance company. dontree_m/Getty Images The relentless heat gripping much of the country has put home cooling systems to the test over the last couple of months. As record-breaking temperatures stretch on and air conditioners run for longer hours than usual, many homeowners … Read more

Can long-term care insurance premiums increase after you buy a policy?

Planning for future care starts with asking the right questions about your long-term care insurance costs. Mohd Izzuan/Getty Images Planning for long-term care has become increasingly important as people’s lifespans continue to increase and the cost of extended care continues to climb. Whether it’s in-home assistance, assisted living or nursing home care, many families are … Read more

Can creditors take your life insurance proceeds?

Life insurance proceeds are often protected from creditors, but those protections aren’t always universal. Carol Yepes/Getty Images When someone buys life insurance, the expectation is simple: The money will be there to help the people they leave behind when they die. It can replace lost income, cover everyday expenses, pay off a mortgage or simply … Read more

Insurance companies put on notice for stranding trans patients who want to reverse surgeries

Detransitioner Chloe Cole: I Was Their Experiment | The Riley Gaines Show Riley Gaines sits down with Chloe Cole, one of the most prominent detransition advocates in the country, to discuss her experience with puberty blockers, testosterone, surgery as a minor, and her decision to detransition. Chloe shares why she believes children cannot give informed … Read more

Insurance companies put on notice for stranding trans patients who want to reverse surgeries

Detransitioner Chloe Cole: I Was Their Experiment | The Riley Gaines Show Riley Gaines sits down with Chloe Cole, one of the most prominent detransition advocates in the country, to discuss her experience with puberty blockers, testosterone, surgery as a minor, and her decision to detransition. Chloe shares why she believes children cannot give informed … Read more

How pet insurance can allow you to spend more on your pets

By reducing the financial strain of vet care, pet insurance can offer you more financial and spending flexibility. Getty Images/iStockphoto Pets have become a larger part of pet owners’ budgets in recent years. Between rising veterinary costs, specialty treatments, prescription medications and preventive care, many owners are spending more than ever to keep their animals … Read more

Who qualifies for Social Security disability insurance?

Having a serious medical diagnosis alone isn’t enough to secure Social Security disability benefits. designer491/Getty Images A health setback can create financial challenges long before the medical bills start arriving. When an illness, injury or chronic condition makes it difficult to continue working, the loss of income can quickly become one of the biggest concerns. … Read more

3 insurance types seniors should explore this June

There are multiple insurance types that seniors should now be considering in today’s economic climate. Johner Images You didn’t have to look too far in May to find disappointing economic news. Not only did geopolitical tensions and overseas conflicts result in a spiking oil price, but inflation has been surging, too. According to a May … Read more