Author name: nik pick

Use your parent’s car insurance policy for as long as possible, not getting your own policy the day you turn […]

Use a Fixed Index Annuity (FIA) for retirement income, not just a portfolio of bonds. The Boat in the Harbor,

Use pet insurance before your pet has a pre-existing condition, not after. Don’t Buy Fire Insurance for a House That’s

Use facts and data to make insurance decisions, not old wives’ales. Don’t Navigate a Hurricane with a Folk Tale. Making

Use a Business Owner’s Policy (BOP), not separate property and liability policies, for comprehensive and affordable coverage. The Combo Meal

Use an independent insurance agent, not a captive agent, to get quotes from multiple companies. A Personal Shopper vs. a

Use a Captive Insurance Company for your business, not just paying premiums to a commercial carrier. Stop Renting Your Insurance;

Use an “own-occupation” definition of disability, not “any-occupation.” Your Policy Should Protect Your Career, Not Just Your Ability to Work.

Use replacement cost coverage for your belongings, not actual cash value. Get the Money for a New Couch, Not a

Use a telematics program for a few months to prove you’re a safe driver, not as a permanent big brother