Unemployment Protection Updates and Review

Well, it shouldn't be surprising that companies are finding a market for unemployment mortgage protection these days. Unemployment figures are rising, and some experts predict that they will top out at 8%, or more, before things get better.

One of the more popular layoff protection products out there has been reviewed, along with some competitors. See: Paycheck Guardian Reviews.

The products all seem to work in a similar manner. A consumer signs up, and then must satisfy a waiting period before they qualify for benefits. In addition, a qualified member must be a W-2 employee before termination, and not self employed or on a 1099 contract.

These are private supplemental unemployment plans, and they are meant to supplement state unemployment benefits, which are usually fairly low.

Related: Prepare For A Job Loss

Insuring Your Kid's Driving

It can be a big challenge to find affordable car insurance for student drivers in this market, even though insurers work hard to compete for their business. Insurance companies look at an applicant's driving history, and that's why insuring a teenage driver is so expensive - they don't have a driving history!

However some auto insurance discounts can offset the higher risk rates that student aged applicants get. An accredited driving class, and having one of the cheaper cars to insure can provide discounts of 10 - 30 percent. It is also a good idea to combine multiple policies with one insurer to see if that helps. For instance, home and auto insurance policy discounts helped me save money.

To make it easy to see who is willing to offer you the best deal, use a free online car insurance quote form: Best Auto Insurance Quotes!

The Best Individual Health Insurance

If you need to select health insurance, you need to understand the various types that are on the market. One of the most frequent questions we hear is which type of health insurane is best - PPO or HMO or HSA health insurance plans - for my family?

In fact, I do not have one correct answer for everybody. Your choice will depend upon your family's needs, your budget, and the way you like to plan for health care. For instance, PPO plans that have doctor copays and predictable costs, with some flexibility, work well for many families. On the other hand, disciplined savers will like the consumer choice and tax benefits of an HSA health plan with a health savings account.

The important thing is to educate yourself about how the plans work, and then to compare the costs of choices you have in your own local area. Available plans, and plan networks, do vary by location. So while a big HMO may be a great choice in in some areas, a more flexible PPO plan may work out better 50 miles away.

I suggest using a convenient only quote form where you can enter your zip code, and the general ages and health status of your family, to compare choices. Get safe, fast, and free quotes at the best insurance website to save time and money!