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Ask Dave

Dave has answered thousands of money questions over the years.
Find the answer to your question here.

Insurance

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.

Insurance after diagnosis

Nate asks Dave how to get insurance after a cancer scare. Dave goes over some options and offers support.

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.

Insurance needs

Gina knows Dave recommends having 10 to 12 times your annual income in term life insurance coverage. She asks if the amount should be based on gross or net income.

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.