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What is Supplemental Health Insurance?

Most people are familiar with health insurance: programs that are designed to pay for medical expenses in the event that you become sick or injured. For many, especially the young and healthy, health insurance is simply an afterthought for worst-case scenarios and is...

Do You Need Life Insurance?

A common question many people have when it comes to life insurance is, “do I need it?” Fortunately, Credit.com is able to provide a simple answer to this straightforward question. If you have people who financially depend on you, it is strongly recommended...

Annuity Basic Training

Trying to decide if an annuity is a good product for you can be a frustrating experience. Annuities can be complicated and difficult to decipher. Although fully understanding them is beyond the scope of this article, we can help by providing a basic understanding of...

Variable Annuity: How Does It Work?

A variable annuity is purchased from an insurance company, and creates a contract where you make an initial payment, then receive either regular payments over time or a lump sum at the end of the contract. Annuities are tax-deferred, allowing you to potentially create...

4 Simple Steps to Understanding Medicare

If you just signed up for Medicare, or are planning to do so, you may feel overwhelmed by all the information you will receive. We can help simplify the whole process by breaking Medicare down into four steps. Understand Medicare Parts A, B, and D — When you sign up...

The Scoop on Part D 2017

In the fall of the year, the Part D deductibles are set for the following year. This has been completed for 2017, so let’s review the details of Part D 2017. $400 Initial Deductible — This deductible for 2017 has risen $40 from 2016. After this point, the Plan enters...

Changing from Medigap to Medicare Advantage

Medicare Advantage plans have become a popular option for Medicare-eligible persons in the last few years for a variety of reasons. People find the Advantage plans may be cheaper than Medigap, and Part D can be rolled into the Advantage plan. Consumers can also often...

Long-Term vs. Short-Term Disability

Disability insurance is a lifeline when you cannot work due to a covered illness or an off-the-job accident. Trying to find information about long-term and short-term disability, and their relationship to each other, can be mind numbing. Many sites try to explain...

Annuities: The Good, the Bad, and the Ugly

You are thinking of investing in an annuity but before you decide, you should know the Good, the Bad, and the Ugly. Take your social security for example. This is a fixed, indexed annuity that pays you for the remaining days of your life, while a pension is a fixed...

6 Reasons Single People May Need Life Insurance

It is common for people to assume that life insurance is only for married couples and individuals who have children. This isn’t the case though. While not all single people need life insurance, “there are a number of reasons when it can make (really) good...