American Integrity Homeowners Insurance Review and Ratings (2022)

American Integrity Insurance offers homeowners insurance and several other products exclusively to customers residing in Florida. They specifically cater to customers that live in a tropical storm zone by assisting them in obtaining policies when other companies won’t. American Integrity is one of the few companies specializing in keeping homeowners covered in the state. In…

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Universal Property Insurance Review (2022)

If you own your home, you know that a good home insurance policy is key to properly protecting your home and your belongings. Homeowners who want to work with a company that has been in the business of providing strong coverage may be interested in doing business with Universal Property and Casualty. This company has been helping…

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U.S. Healthcare vs. Healthcare Systems in Other Countries

Health insurance is a complicated topic and few people can agree on a single “best” type of system. The United States, for example, has a combination of a privatized system and a public system. Other countries like Canada, Japan, and most European countries have universal health care, which means that all its citizens receive a basic level of coverage, though the governments of the countries can choose to run the program in a variety of ways. Each of these systems has its own benefits and drawbacks.

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A.M. Best Ratings Explained

The A.M. Best Company is one of the leading insurance and financial company ratings firms. The company uses a standard grading scale to provide consumers with information about the stability and long term financial outlook of financial companies. At a glance, someone who is comparing prices of different insurance companies can know whether they are dealing with a company that is in dire straits, is making a comeback from a financial blow, or is riding on top of the heap. Here is the grading scale used by A.M. Best Company, and what the grades mean to you.

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AARP Insurance Discounts for Seniors

There are quite a few advantages for seniors who belong to the American Association of Retired Persons, or AARP. Among those advantages are things such as guaranteed acceptance life and health insurance, discounts on many different lines of coverage, and the availability of group insurance through membership in AARP.

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Buying Insurance from Independent Insurance Brokers vs. Direct Writers

No matter what type of insurance you need, navigating the available choices can seem like a big hassle. Perhaps the first decision you’ll need to make is whether to use an independent insurance broker or a direct writer. What’s the difference? Simply put, independent brokers and agents will work for you and connect you to insurance products from a wide range of companies. Direct writers work for one company, usually one of the “big name” companies like Geico, and only have access to that company’s products. Some large companies like Liberty Mutual and Allstate make use of both independent agents and direct writers, but many employ only direct writers. In some cases, using a direct writer is the only way to purchase a policy from a particular company.

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