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  1. <?xml version="1.0" encoding="UTF-8"?>
  2. <rss version="2.0">
  3. <channel>
  4. <title>Insurance</title>
  5. <link>http://finance.zacks.com/rss/insurance.xml</link>
  7. <description>The Zacks Personal Finance Channel provides guidance about investing, insurance, retirement planning and taxes so readers can make informed decisions about their financial futures.</description>
  8. <item>
  9. <title>How to Add a New Spouse as a Dependent for Medical Insurance</title>
  10. <link>http://finance.zacks.com/add-new-spouse-dependent-medical-insurance-3285.html</link>
  11. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/add-new-spouse-dependent-medical-insurance-3285.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/12/155/fotolia_7213384_XS.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Adding a new spouse as a dependent to receive medical insurance coverage through your employer or insurance provider is as simple as completing and submitting some paperwork. Proper forms vary, depending on the insurance provider. Marriage is a qualifying life event that allows enrollment any time.&lt;/p&gt;</description><pubDate>Wed, 07 Aug 2019 21:29:15 +0800</pubDate></item><item>
  12. <title>Absolute Assignment of Life Insurance Policies</title>
  13. <link>http://finance.zacks.com/absolute-assignment-life-insurance-policies-6460.html</link>
  14. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/absolute-assignment-life-insurance-policies-6460.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/163/56/90310823.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;An absolute assignment on a life insurance policy transfers the policy&#39;s ownership rights to another party. Reasons for making an absolute assignment include financing a charitable gift and collateralizing a bank loan. If an insurance provider allows for absolute assignment, complete its form.&lt;/p&gt;</description><pubDate>Wed, 31 Jul 2019 02:17:44 +0800</pubDate></item><item>
  15. <title>How to Add a Hearing Aid to Personal Property Insurance</title>
  16. <link>http://finance.zacks.com/add-hearing-aid-personal-property-insurance-11240.html</link>
  17. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/add-hearing-aid-personal-property-insurance-11240.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/188/200/dv1051011.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Hearing aids are not inexpensive items, and many types of insurance policies cover owners against loss or damage. If your homeowners insurance provides coverage for your hearing aid, or if you can add a hearing aid rider to your policy, document your ownership and submit this to your agent.&lt;/p&gt;</description><pubDate>Wed, 31 Jul 2019 02:17:08 +0800</pubDate></item><item>
  18. <title>Is Accrued Interest on a Life Insurance Payout Subject to Federal Income Tax?</title>
  19. <link>http://finance.zacks.com/accrued-interest-life-insurance-payout-subject-federal-income-tax-9632.html</link>
  20. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/accrued-interest-life-insurance-payout-subject-federal-income-tax-9632.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/119/231/stk178240rke.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Generally, accrued interest from a life insurance payout is subject to federal income tax. You can choose to receive a lump-sum insurance payout or installment payments over a certain number of years. The insurance company reports the interest you earn on Form 1099, which is the amount you report.&lt;/p&gt;</description><pubDate>Wed, 31 Jul 2019 02:17:07 +0800</pubDate></item><item>
  21. <title>What Is an 80/20 Insurance Policy?</title>
  22. <link>http://finance.zacks.com/80-20-insurance-policy-1866.html</link>
  23. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/80-20-insurance-policy-1866.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/44/125/fotolia_2436111_XS.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;An 80/20 insurance policy represents a coinsurance plan. The 80/20 coinsurance percentage means that you pay 20 percent of your medical costs up to a maximum amount, and your insurance provider picks up the 80 percent balance. You must first satisfy your deductible before the 80/20 split kicks in.&lt;/p&gt;</description><pubDate>Wed, 31 Jul 2019 02:17:06 +0800</pubDate></item><item>
  24. <title>Military Permanent Medical Retirement Vs. VA Benefits</title>
  25. <link>http://finance.zacks.com/military-permanent-medical-retirement-vs-va-benefits-11227.html</link>
  26. <description>&lt;p&gt;There are many differences between military permanent medical retirement and VA benefits, most notably how the disability ratings are calculated. While you are entitled to claim both, you typically cannot do so concurrently, and must choose to waive one – unless you are eligible for CRDP.&lt;/p&gt;</description><pubDate>Mon, 08 Apr 2019 19:48:01 +0800</pubDate></item><item>
  27. <title>How to Calculate Taxable Income When Cashing Out Life Insurance Pre-Death</title>
  28. <link>http://finance.zacks.com/calculate-taxable-income-cashing-out-life-insurance-predeath-1513.html</link>
  29. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/calculate-taxable-income-cashing-out-life-insurance-predeath-1513.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/https%3A//s3-us-west-1.amazonaws.com/contentlab.studiod/getty/887e06edc16648f5b634b005760e7706.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;When you decide to cash out your life insurance policy, you may be able to profit from an expanded cash surrender value. However, if you do make money when cashing in a life insurance policy, you will be required to pay income tax on these funds. Calculating this tax is critical and relatively easy.&lt;/p&gt;</description><pubDate>Sun, 31 Mar 2019 19:34:08 +0800</pubDate></item><item>
  30. <title>How Is Workers Comp Calculated?</title>
  31. <link>http://finance.zacks.com/workers-comp-calculated-8165.html</link>
  32. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/workers-comp-calculated-8165.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/https%3A//s3-us-west-1.amazonaws.com/contentlab.studiod/getty/58d7f1552b3849199d731cc6b6f1b31a.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;The most common category of workers compensation is the temporary total disability payment, which is paid while you are healing from an injury and not able to work. The most common calculation is about two-thirds, or 66 2/3 percent, of your gross average weekly wage over the previous year.&lt;/p&gt;</description><pubDate>Wed, 13 Mar 2019 23:48:54 +0800</pubDate></item><item>
  33. <title>What Is the Biggest Issue With Gap Insurance?</title>
  34. <link>http://finance.zacks.com/biggest-issue-gap-insurance-10671.html</link>
  35. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/biggest-issue-gap-insurance-10671.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/https%3A//s3-us-west-1.amazonaws.com/contentlab.studiod/getty/dc7c64deafa9434aa858e98b50b84075.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;If you total your car, you may find that the amount your insurer will give you doesn&#39;t cover the amount you still owe on it. A gap insurance payout can help offset that expense. However, it doesn&#39;t always cover that full amount, since it doesn&#39;t include fees or any upgrades you&#39;ve made.&lt;/p&gt;</description><pubDate>Wed, 13 Mar 2019 22:53:12 +0800</pubDate></item><item>
  36. <title>What Are the Benefits of Conversion From a Mutual to a Stock Insurance Company?</title>
  37. <link>http://finance.zacks.com/benefits-conversion-mutual-stock-insurance-company-8177.html</link>
  38. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/benefits-conversion-mutual-stock-insurance-company-8177.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/77/71/87586946.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;When a mutual insurance company converts to a stock insurance company, the process is called demutualization. The newly restructured company benefits by being able to sell stock, and policyholders benefit from compensation they receive in exchange for their ownership stake in the stock company.&lt;/p&gt;</description><pubDate>Thu, 07 Mar 2019 23:15:28 +0800</pubDate></item><item>
  39. <title>What Is the Collateral Assignment of a Life Insurance Policy?</title>
  40. <link>http://finance.zacks.com/collateral-assignment-life-insurance-policy-5962.html</link>
  41. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/collateral-assignment-life-insurance-policy-5962.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/41/202/AA000049.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;The term collateral assignment refers to a company or organization that has been designated as the beneficiary within a life insurance policy. This term has significant implications in many legal situations and should be a core component of modern estate planning discussions for many individuals.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 21:09:54 +0800</pubDate></item><item>
  42. <title>Can You Combine Social Security Benefits and Long-Term Disability Policy?</title>
  43. <link>http://finance.zacks.com/can-combine-social-security-benefits-longterm-disability-policy-7804.html</link>
  44. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/can-combine-social-security-benefits-longterm-disability-policy-7804.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/110/213/86504860.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;If you receive Social Security Benefits, you are able to combine them with your long-term-disability insurance, or LTDI. Understanding how to identify and combine these particular benefit packages is critical for all individuals who stand to gain from these valuable support offerings.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:41 +0800</pubDate></item><item>
  45. <title>Are Health Insurance Benefits Considered Income by the IRS?</title>
  46. <link>http://finance.zacks.com/health-insurance-benefits-considered-income-irs-7128.html</link>
  47. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/health-insurance-benefits-considered-income-irs-7128.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/165/102/87653423.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Understanding how and when health insurance benefits might be taxable is a critical part of your financial planning. Health insurance benefits payments that pay for doctor bills, medications and hospital stays are not taxable. However, disability payments are taxable if your employer pays.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:41 +0800</pubDate></item><item>
  48. <title>Do You Have to Be Married to Share Health Insurance?</title>
  49. <link>http://finance.zacks.com/married-share-health-insurance-6987.html</link>
  50. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/married-share-health-insurance-6987.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/165/151/86529224.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;More couples than ever are choosing to live together without getting married. When that happens, one partner may want to add the other to her health insurance. However, there are limitations on this, especially now that same-sex couples can make things legal. This applies to Obamacare, too.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:41 +0800</pubDate></item><item>
  51. <title>How Much Is a Monitored Alarm Insurance Deduction?</title>
  52. <link>http://finance.zacks.com/much-monitored-alarm-insurance-deduction-11838.html</link>
  53. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/much-monitored-alarm-insurance-deduction-11838.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/190/81/107908220.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Installing an alarm on your home has benefits beyond the peace of mind it gives you. Some companies also discount your home insurance premiums for having an alarm in place, especially if it connects directly to the police or fire. But having an alarm that doesn&#39;t connect may not offer the discount.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:28 +0800</pubDate></item><item>
  54. <title>Homeowners Insurance Formula for Estimating Personal Property Value</title>
  55. <link>http://finance.zacks.com/homeowners-insurance-formula-estimating-personal-property-value-11436.html</link>
  56. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/homeowners-insurance-formula-estimating-personal-property-value-11436.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/97/194/87699472.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Personal property coverage in your homeowner’s insurance policy protects your belongings. It helps cover the cost of replacing your belongings if they are lost, stolen or damaged. Knowing what your personal possessions are worth plays a decisive role in determining how much coverage you need.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:28 +0800</pubDate></item><item>
  57. <title>Differences Between Insurance &amp; Re-Insurance</title>
  58. <link>http://finance.zacks.com/differences-between-insurance-reinsurance-9484.html</link>
  59. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/differences-between-insurance-reinsurance-9484.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/74/160/92824202.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Your primary insurance coverage manages the risk of loss regarding life, home, auto, property or whatever the insurance was purchased to cover.  On the other hand, reinsurance is insurance purchased by an insurance company from other insurance companies to manage their risk.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:27 +0800</pubDate></item><item>
  60. <title>How Much Will a Minor Accident Affect My Auto Insurance Rate?</title>
  61. <link>http://finance.zacks.com/much-minor-accident-affect-auto-insurance-rate-7262.html</link>
  62. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/much-minor-accident-affect-auto-insurance-rate-7262.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/184/176/89672739.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;Some sources say that after an injury-free fender bender where you&#39;re not at fault, your auto insurance rates won&#39;t go up at all; others are less optimistic. The answer depends on the state you live in, which carrier handles your auto insurance and even which car you drive. Here are the details.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:27 +0800</pubDate></item><item>
  63. <title>Does a Diamond Ring Fall Under Homeowner&#39;s Insurance?</title>
  64. <link>http://finance.zacks.com/diamond-ring-fall-under-homeowners-insurance-5574.html</link>
  65. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/diamond-ring-fall-under-homeowners-insurance-5574.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/getty/article/81/72/87651823.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;It is important to make sure your diamond ring is protected should it get lost or stolen from your home. Homeowners can check with their insurance carriers to see if the jewelry is covered, and if not, it may be possible to add a comprehensive policy that would reimburse for the loss.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:15 +0800</pubDate></item><item>
  66. <title>How Do I Drive a New Car Home From the Dealership With No Insurance?</title>
  67. <link>http://finance.zacks.com/drive-new-car-home-dealership-insurance-3820.html</link>
  68. <description>&lt;p&gt;&lt;a href="http://finance.zacks.com/drive-new-car-home-dealership-insurance-3820.html"&gt;&lt;img src="//finance.zacks.com/DM-Resize/photos.demandstudios.com/197/157/fotolia_149421_XS.jpg?w=110&amp;h=75&amp;keep_ratio=1"&gt;&lt;/a&gt;&lt;p&gt;After you purchase a new car at a dealership, state law requires you to have car insurance before you leave the dealership. Shop around for rates and identify local insurance agents to obtain the best rate. This can be accomplished in a matter of minutes with a quick call to your insurance agent.&lt;/p&gt;</description><pubDate>Wed, 06 Mar 2019 20:54:15 +0800</pubDate></item>
  69. </channel>
  70. </rss>

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