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Unemployment Insurance in the U.S.

Under What Conditions Can the Worker Collect?Who Pays for the Insurance?Federal Programs Unemployment insurance is managed jointly by the states and the federal government. Most states began…

Under What Conditions Can the Worker Collect?

The laws vary from state to state. In general, a waiting period of one week is required after a claim is filed before collecting unemployment insurance; the worker must be able to work, must…

How to Buy Life Insurance

Source: The American Council of Life Insurers. Web: www.acli.com/public/media/mainframe_med.htm .Types of Life InsuranceFinding an AgentChoosing a PolicyConsider Other ProvisionsResearch the Company…

Types of Life Insurance

TERM LIFE INSURANCE: provides coverage for a specific period of time. Policies can often be renewed at the end of the term, which can last from one to 30 years. Advantages:Lower premiums,…

Finding an Agent

Most people buy policies through an insurance agent. Get the names of several agents from business associates or family members. Find out what companies they represent, what types of policy…

Choosing a Policy

Your agent's role is to find a policy that is right for you. Be prepared to discuss your financial situation, personal goals, family background, and health. You may have to take a physical…

Consider Other Provisions

Riders are additional provisions that can be added to a policy. Riders might include additional benefits for accidental death; suspending premium payments if you become disabled; or…

Research the Company

Some 1,700 U.S. companies sell life insurance. Make sure you choose a company in sound financial shape and licensed in your state. Contact your state's insurance department. A number of…

Federal Programs

Amendments to the Social Security Act provided unemployment insurance for Federal civilian employees (1954) and for ex-servicemen (1958). Benefits under these programs are paid by state…

Financial Planners

Source: Consumer Federation of American and National Institute for Consumer Education. The way in which a financial planner is compensated can directly affect the advice he or she gives clients. A…