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Insurance

Not Eligible For Disability Insurance?

A listener asks what options they have if their profession is not insurable for disability.

Return of premium? Nope!

Is return of premium life insurance too good to be true? Nope, it's a rip off. Dave gives Tommy some good advice.

Dental insurance for the kids?

Dental insurance? Dave has a better idea.

Mortgage disability insurance?

Mortgage disability insurance during Baby Step 2? Dave doesn't think so, and he offers a better solution.

ID theft protection in the Baby Steps?

Should you include the cost of identity theft protection in the Baby Steps? Dave doesn't think so.

It's a gimmick

Steve asks Dave about a new supplemental insurance that covers layoffs. Dave thinks it's just a gimmick. He advises Steve to self-insure for things like this with an emergency fund.

A bad move

Tanner found himself in a mess, thanks to his insurance agent's advice and a whole life policy. Dave helps explain and unravel things, and he advises Tanner on his next move.

To file, or not to file?

Ben asks Dave how you know when to file a claim on your homeowner's insurance coverage versus taking care of things yourself. Dave gives him a "painful" answer.

Use an insurance broker

Julie's mom is older, and she has some mental issues. Julie asks Dave if it's too late for long-term care insurance, and Dave advises her to talk to an insurance broker.

Alicia and her husband have a special needs child. She asks if they should take advantage of the child rider on their insurance policy. Dave thinks it's a good idea in their situation and explains why.

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