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How to figure out what health coverage you need?

on Wed, 05/21/2014 - 10:25
I have been chatting with some prospects on their needs on health coverages lately and found that a lot of them actually have no clue what "health insurance" consist of.
 
In the insurance world, "health insurance" normally referred as "living benefits". That includes: health & dental coverage; critical illness coverage; long term care coverage & disability coverage.
 
Let's drill down what is what.
 
Health & dental coverage is what we usually need day in and day out: when we get sick, the doctor gives you a prescription, you go to the pharmacist, you have to pay for the medication;

How to make sure you have an enjoyable trip

on Sat, 03/08/2014 - 14:57
*updated on June 12, 2016
Spring is around the corner, we are pushing our clock an hour forward again. After the brutal winter we had, I am sure everyone can't wait to go out, stretch their legs and plan for a vacation.
 
I did a previous blog post on different kinds of travel insurance. Now let's explore why do we even want to consider it.
 
Travel insurance, again, consists of two major parts: one insures the people who are traveling; and the other insures the trip cost should the people can't go or have to come home in the middle of the trip for certain reasons.
 
This article,