Articles
In almost 8% of trials in 2005, the plaintiff winner was awarded $1 million or more in compensatory and punitive damages.
Source: U.S. Department of Justice, 2015 (most current data available)
Welcome to our research center. We've put together a library of information on important financial topics that we believe you'll find helpful.
Simply click on one of the general financial topics below, and you'll find a selection of easy-to-understand information about related financial concepts. This information is updated regularly to reflect the latest facts, figures, and trends.
Home Insurance
- The 17 Perils
- Actual Cash Value vs. Replacement Cost
- Understanding Deductibles
- Documentation of Valuables
- Floaters for the Finer Things
- Flood Insurance
- Insuring a Home
- The Basics of Homeowners Insurance
- Cover Yourself with an Umbrella Liability Policy
- Insuring a Condominium
- Special Circumstances: Property Under Construction and Rental Property
- Renters Insurance
Vehicle Insurance
- On the Move: Insurance Protection for Your Automobile and Other Vehicles
- Auto Insurance Basics: Liability, Collision, Comprehensive
- Additional and Optional Coverages
- Who’s At Fault?
- Premiums and Discounts: Factors that Affect Your Rate
- What To Do After an Accident
- Getting Your Car Back
- Using Your Personal Car for Business
- Risky Drivers
- Adding a Teen or College-bound Driver
- Motorcycle Insurance
- Watch the Hull: Insurance for Boats and Other Watercraft
- Specialty Policies Insure Fun
- Aviation Insurance
Risk Management
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Term Life Insurance
Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.
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Whole Life Insurance
Some of the pros and cons of whole life insurance.
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Universal Life Insurance
Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.
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Variable Life Insurance
Variable life insurance gives you the control to allocate your account value among a variety of investment options.
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Auto Insurance
Even if your state doesn’t require certain types of auto insurance, it may be wise to purchase multiple types to ensure you are covered for a variety of situations.
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Insurance Claims
When it is time to make an insurance claim, it helps if you are familiar with your policies and the steps you should take to file a claim.
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Maximizing Your Insurance Benefits
Several factors could undermine the financial security provided by the proceeds of your life insurance policy.
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Insuring Your Future
To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.
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Protecting Your Home
Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.
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Types of Health Coverage
There are three basic types of medical insurance plans: fee-for-service, managed care, and high-deductible health plan.
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Additional Liability Coverage
Consider additional liability insurance to help protect you from the potentially devastating effects of liability lawsuits.
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HMOs and PPOs
Selecting health insurance is often one of the most important decisions you will make. Do you know the different types?
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Evaluating Insurance Companies
Using a financially sound insurance company is an important part of ensuring your family’s financial security.
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Long-Term Care Costs
The odds of needing long-term care increase as you age. Prior planning can help protect you from financial ruin.
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Medicare Coverage
Medicare is the federal health insurance program for those persons age 65 and over. But what does it cover?