When insurance policies are sold they are issued on either a monoline basis or as a package policy

The premiums charged for homeowners and tenants insurance vary widely from company to company, so it pays to take the time and effort to shop around in order to get the best value for your insurance dollar

The decision to purchase a home (or other real property) is probably the largest and most important financial decision you may ever make.

Important insurance information for homeowners. What you should do right now

There are two basic types of life insurance: term life insurance and cash value life insurance

Commonly Used Life Insurance Terms

Take care of yourself and be aware of the insurance agent.

Many consumers are approached by life insurance agents or life sales representatives and are asked to consider canceling their current life insurance policy in order to purchase a replacement policy

There are two basic types of deferred annuities – fixed annuities and variable annuities.

An annuity is a product which can provide you with an income for as long as you live. There are two types of annuities...

Here's a list of Automobile Insurance Commonly Used Terms

Some of the most frequently asked questions about automobile insurance claims are discussed below

Automobile insurance fraud in California has historically taken several forms. The most common fraud schemes involve automobile property and automobile accidents.

Automobile insurance is a contract that helps pay for certain types of financial losses or obligations resulting from the use or ownership of an automobile

A life insurance agent in Los Angeles has been arrested and charged with Financial Elder Abuse following an investigation by the California Department of Insurance (CDI) Investigation Division

Term life insurance policies are the least costly. They pay death benefits only-they have no cash value if you decide to stop making payments.

Mesothelioma is a rare cancer of the thin membranes lining the lungs, chest, and abdominal cavity. Almost all cases are linked to prior occupational asbestos
exposure.

Most of the information on health effects comes from studies of workers exposed regularly to high levels of asbestos. In occupational settings all forms of asbestos have been shown to cause asbestosis, lung cancer and mesothelioma.

Stevens-Johnson syndrome and toxic epidermal necrolysis are two forms of the same life-threatening skin disease that cause rash, skin peeling, and sores on the mucous membranes

Most cases of pulmonary hypertension are associated with underlying conditions that increase, obstruct, or constrict the pulmonary circulation—for example, congenital heart disease (left-to-right shunt), thromboembolism, or hypoxia

The product labeling for Pondimin (fenfluramine HCl) has been revised to convey the final evaluation of the International Primary Pulmonary Hypertension Study

The FDA has classified Guidant's action as a Class I recall because of a reasonable probability that the malfunctioning device will cause serious adverse health consequences or death

certain ICD models and biventricular pacemaker-defibrillators were recalled by the manufacturer because of a circuitry flaw that prevent the devices from delivering therapeutic electrical shocks when needed

An implantable cardioverter-defibrillator (ICD) is a device designed to quickly detect a life-threatening, rapid heartbeat coming from the bottom chamber of the heart.

Cigarette smoking increases the risk of serious adverse effects on the heart and blood vessels from the use of hormonal birth control methods

FDA notified healthcare professionals and patients of revisions to the label for Ortho Evra, a skin patch approved for birth control, that includes a bolded warning about higher exposure to estrogen for women using the weekly patch compared to taking a daily birth control pill containing 35 micrograms of estrogen

Johnson & Johnson's Ortho Evra contraceptive patch contains higher levels of a hormone known to cause blood clots than average birth control pills

Asbestos has been used in building materials, paper products, plastics, and other products. Exposure mainly occurs in indoor air where it may be released from these materials.

Through the Federal Consolidation Loan Program, you may be able to consolidate your outstanding educational loans together into one new loan

Payday loans have become a multibillion dollar industry in recent years. There are over 10,000 payday loan stores across the country.

A payday loan is a small, unsecured, high interest, short-term cash loan

Borrowers who obtain payday loans generally have cash flow difficulties, and few, if any, lower-cost borrowing alternatives

If you’re considering applying for a personal loan and using your home to guarantee repayment, you should know that a federal credit law gives you three days to reconsider a signed credit agreement and cancel the deal without penalty.

If you decide that the timing’s right for a home equity loan, ask your friends or family for recommendations of lenders. Then, comparison shop. Comparing loan plans will help you get a better deal

Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways

A federal law now gives consumers more information, and more protection, when they enter a home equity line of credit transaction

Be sure to get information about mortgages from several lenders or brokers

Home loans are available from several types of lenders--thrift institutions, commercial banks, mortgage companies, and credit unions

It’s never too soon to teach kids money doesn’t grow on trees. Here are suggestions from FDIC Consumer News.

Saving Money When You Borrow Money

Advertisements for loans touting easy terms are tempting. They can be good deals, but you must read the fine print

We can't tell you if co-signing a particular loan is a good or bad idea—that's a personal decision

Here's how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason

The FCRA gives you the right to dispute inaccuracies or omissions, and it requires credit bureaus to investigate your complaint (generally within 30 days), send you a prompt response and correct any errors.

If you're like many consumers, you probably have questions about what goes into your credit report and who uses it. Here is an overview that we hope will address many of your questions and concerns.

Your state is likely to have laws governing credit insurance and debt protection coverage

Credit and debit cards can be good ways for teens to pay without carrying cash or checks, and they can help teach kids about how to manage money