Insurance policies look intimidating, but most follow a common structure and rely on a handful of legal principles that determine what is (and isn’t) covered. At a high level, nearly every policy is built from four core sections — Declarations, […]

Life insurance is a contract that turns small, predictable premiums into a large, guaranteed payment to your beneficiaries when you die. That payment — called the death benefit — can protect your family’s income, pay off debts, or fund long-term

Car insurance protects your money when bad things happen on the road. You choose a mix of coverages (liability, collision, comprehensive, and add-ons), limits, and deductibles — all within your state’s rules. Below, you’ll see what each coverage does, how