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Best Clean Energy ETFs for 2020 - The Balance

iShares Global Clean Energy (): This ETF tracks the S&P Global Clean Energy Index, which is composed of 41 clean and renewable energy stocks from all around the world. Top holdings include ENPH, SolarEdge Technologies, Inc (SEDG), and Vestas Wind Systems (VWS). ICLN’s inception date is June 24, 2008, AUM is $667.5 million and expenses are 0.46%, or $46 for every $10,000 invested.

Actived: Thursday Oct 22, 2020

URL: https://www.thebalance.com/best-clean-energy-etfs-4589934

Basics to Help You Understand How Insurance Works

Details: Insurance Is About Financial Security and Protecting Your Independence . It may seem like you need to study volumes of books and information to understand insurance, but at its core, the principle of insurance is very basic: When you have something to lose, and you know that you could not afford to pay for a loss yourself, insurance provides a way for you to protect your investment, lifestyle

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How to Choose a Life Insurance Policy - The Balance

Details: Term life insurance: Purchased for a specific length of time, usually between 10 and 30 year terms, with no cash values, and expires at the end of term, unless it is “convertible.” This is the least expensive life insurance option. Whole life insurance: Has a set premium and is valid as long as you keep paying the premiums. This is a type of permanent life insurance.

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Insurance Underwriting: What Is It? - The Balance

Details: Insurance underwriting is the process of evaluating a company's risk in insuring a home, car, driver, or an individual's health or life. It determines whether it would be profitable for an insurance company to take a chance on providing insurance coverage to an individual or business.

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Microinsurance: What Is It? - The Balance

Details: Microinsurance is a type of insurance designed to make essential insurance products more affordable. It breaks down insurance in its traditional form into something much smaller—covering small items such as a one-day trip, a one-time event, or even specific health insurance needs.

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Insurance Actuary: What is It? - The Balance

Details: An insurance actuary is a professional that analyzes financial risk using mathematics, statistics, and financial theories. Most actuaries work in the insurance industry and help insurance companies create and price insurance policies based on the likelihood that they will have to pay out claims.

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How to Get Health Insurance - Membership Organizations

Details: Employer Health Insurance vs. Individual Health Insurance, and Health Insurance Through a Membership Organization . If you are looking for a group health insurance plan, your employer or your domestic partner's employer may be able to benefit you. Many employers help pay a percentage of the health insurance premium, and this can save you money.

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Insurance Declaration Page: What Is It? - The Balance

Details: An insurance declaration page is a summary of what is contained in an insurance policy. It comes at the start of policy paperwork and contains important information such as your deductible, policy effective dates, coverage, discounts, and more.

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How Alien Abduction Insurance Works - The Balance

Details: According to Insurance Business Mag in 2018, Budget Insurance in the UK, based in Peterborough has started promoting a new Alien Abduction Insurance policy option, and offering to add their homeowner policyholders to a waiting list for it if they are interested   This is a very interesting approach because of the fact that it is based on

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The 5 Best Jewelry Insurance Options of 2020

Details: Jewelers Mutual has been selling jewelry insurance since 1913 and has an A+ Superior rating from A.M. Best.   It has received endorsements from the American Gem Society, Jewelers of America, the Canadian Jewellers Association, Jewellers Vigilance Canada, Manufacturing Jewelers and Suppliers of America and the Jewelers’ Security Alliance.

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Do You Need Sewer Line Insurance? - The Balance

Details: Make sure the insurance is actually insurance and not just a home service agreement, as these companies aren't regulated like insurers. Be wary of conditions that could void a contract, such as acts of nature like floods. Check for complaints with the Better Business Bureau.

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Can I Insure a Car in Another State?

Details: Insurance rates differ greatly from state to state, and sometimes even within states. This is due to many factors, not the least of which is the varying risks and costs associated with car ownership. For example, if you live in a particularly busy or crime-ridden city, your insurance costs will likely be higher than they would be in a rural area.

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Understanding Condo and Co-op Insurance Coverage

Details: Insurance for co-ops and condos is a lot more complicated than homeowner insurance. A lot of people invest in condos without understanding the full implication of their responsibility or may run into a series of frustrations and surprises because they didn't understand how their condo insurance works.

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Definition of Health Insurance Waiver and How It Works

Details: Definition: A health insurance waiver is a document that when signed provides the option to opt-out of a health insurance plan offered to you by making a formal request. This could apply to health insurance group plan that you are being offered as part of a program, your employer, school or other organization.

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7 Reasons for a Car Insurance Rate Increase

Details: Insurance is an important part of every budget. Constant guard is required to protect your insurance rate from going up. Creating an awareness of circumstances that affect your insurance rate is the first step in keeping your rates down.

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The Definition of Negligence in Insurance

Details: Does Insurance Cover Negligence? Negligence pertains to all types of insurance: home, life, health, and auto.. Depending on the level of negligence and the type of damage, your insurance policy might still pay a claim if it occurs because of your negligence.

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How To Lower Your Homeowners Insurance Premium

Details: Insurance providers raise the cost of coverage to keep up with the increasing cost to repair or replace your home—due to inflation. The age of your home will also affect the price of your coverage. Older homes have a greater need for repair and maintenance. The absence of security and safety features like lights and smoke detectors can impact

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The 8 Best Cancer Insurance Providers of 2020

Details: Cancer insurance is a type of supplemental health insurance that’s meant to mitigate the extensive costs of cancer treatment. It’s purchased in addition to your regular health insurance policy rather than instead of it, and it’s sometimes offered in a bundle of critical illness insurances.

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A-Rated Insurance Company: What Is It? - The Balance

Details: An A-rated insurance company is one that has received a high rating from a credit rating agency like Moody's, A.M. Best, or Fitch. The high rating indicated that the A-rated insurance company is more likely to honor the terms of its policies and repay its creditors.

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The 6 Best Short-Term Disability Insurance Companies of 2020

Details: Disability insurance income can be especially crucial for freelancers and independent contractors since they won’t have any disability income protection available through employers. Breeze is a new insurance company founded in 2019 that provides policies that are especially helpful to this niche group of clients.

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Learn Why You Need Insurance - The Balance

Details: Car insurance can protect you if you get into an accident or if your car is stolen or damaged due to vandalism or a natural disaster. Auto insurance is a very competitive industry, and there are a lot of options available to you.

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The Best Health Insurance Companies of 2020

Details: Cigna is a global health insurance provider and offers private health insurance in 10 U.S. states: Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. It has an “A” (excellent) financial strength rating from A.M. Best. Referrals for out-of-network care may or may not be required depending

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How Coinsurance Works in Your Health Insurance Policy

Details: Generally expressed as a percentage amount and outlined in the coinsurance clause of the policy, coinsurance allows the policyholder to share the cost of the insured service with the insurance company—your insurance company pays the portion of the cost of the service that is insured and you pay the remainder.

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Alternatives to COBRA Health Insurance - The Balance

Details: Under the ACA, you qualify for health insurance through your state's health insurance "Marketplace" or "exchange," which is a health plan shopping and enrollment service run by your state or by the federal government if your state doesn't operate one. You are eligible for ACA coverage if you lawfully reside in the U.S. and are not incarcerated.

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The 5 Best Dental Insurance Providers of 2020

Details: Dental coverage through UnitedHealthOne is available in both individual and employer plans.   Golden Rule Insurance Company, which underwrites many of UnitedHealthOne's individual insurance products, is rated "A (Excellent)" from A.M. Best, and its rating indicates the financial strength and stability of UnitedHealthOne's products.

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The 5 Best Engagement Ring Insurance Companies of 2020

Details: Travelers Insurance is a trusted property and casualty insurance company that’s been in business for over 160 years and has earned an A++ rating with AM Best.   Travelers Insurance is accredited with the Better Business Bureau with an A+ rating. The company offers two add-on options to the company’s own homeowners insurance policies:

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What is Umbrella Liability Insurance? Do You Need It?.

Details: Umbrella insurance is a secondary type of liability insurance covering your liability above and beyond the standard liability you have taken on your homeowners insurance policy. It protects you above and beyond the limits on your homeowners or condo insurance , car insurance, watercraft, or other personal insurance policies and offers added

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What to Expect From a Life Insurance Medical Exam

Details: The life insurance medical exam is the opportunity for your life insurance company to review your medical history and basic information that was used to make your life insurance application. The life insurance medical exam will usually be performed by a qualified medical professional like a nurse, not a doctor.

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10 Things You Should Know About Insurance Points

Details: Insurance points are violation points assessed against your driving record by your state’s department of motor vehicles for traffic violations and/or at-fault accidents. The number of points added to your driver’s license for an offense varies by state. Many insurance companies will check your driving record before finalizing your insurance quote or possibly after you have purchased an

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Car Storage Insurance: What Is it? - The Balance

Details: What Is Car Storage Insurance? Technically, there is no auto insurance coverage called "storage insurance." It is a kind of slang term people often use to describe minimal insurance coverage for cars in storage. Since you're not driving your car when it's parked in storage for an extended period, you can often drop (or minimize) insurance that covers events while driving.

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The Best Whole Life Insurance Policies of 2020

Details: New York Life Insurance Company is the third-largest life insurance provider in the U.S. and the #1 mutual insurer.   As a mutual company, New York Life pays dividends to eligible policyholders and has been doing so since 1854.

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Can I Keep a Car Deemed a Total Loss?

Details: Insurance . You may have trouble finding a carrier willing to insure your repaired vehicle—and you definitely will find it impossible to locate an insurer willing to insure your vehicle before repairs have been made. Insurance companies are reluctant to write a policy on a car once it has been branded a salvage vehicle.

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Home Insurance Inspection: Here's What to Expect

Details: Mila Araujo is a personal lines insurance broker and the director of personal insurance for Ogilvy Insurance. She is a personal insurance expert for The Balance.

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What You Need to Know About Wildfires and Insurance Coverage

Details: Limits of Insurance: Insurance policies contain clauses and exclusions that can limit the amount you will get for certain types of personal property. Be sure to ask your insurance company if the limits apply in a fire claim, and ask about any additional coverage available to you.

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How to Change Insurance Agents - The Balance

Details: Emily Delbridge wrote about car insurance and loans for The Balance from 2011 to 2020. She has been a licensed Personal Lines Insurance Agent since 2005.

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Borrowing From a Life Insurance Policy - The Balance

Details: Traditional life insurance was originally developed to provide beneficiary death benefits in the event of the insured person's death. However, several products evolved in the latter part of the 20th century that also incorporated a type of savings or investment component to the policy.

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The 7 Best RV Insurance Companies of 2020

Details: RV insurance may not cover the vehicle that tows a trailer, so you’ll need to have a separate auto insurance policy. Plus, RV insurance isn’t necessarily required by law for towable homes, whereas motorized vehicles must have insurance. RV insurance generally provides property coverage with some exclusions.

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Understanding What Home Contents Insurance Covers

Details: Adding Insurance Rider Coverage for Contents or High-Value Items . We've gone over what is covered by contents insurance and some circumstances where people's property may or may not be covered. There is one more area of personal belongings insurance where you may need more information.

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Best Ways to Insure Excess Bank Deposits

Details: Other Insurance and Bank Deposits . Traditionally available in the Chicago and Milwaukee markets, Wintrust Financial offers another trusted option to spread out deposits for maximum FDIC coverage with a new nationwide focus. Wintrust owns a network of 15 chartered banks and offers insurance up to $3.75 million for an individual depositor.

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Do I Need Umbrella Insurance? - The Balance

Details: Umbrella insurance protects your assets if you are sued for an accident or something else catastrophic happens. It will cover expenses over the limits of coverage you have on your car and home insurance. It is easy for medical bills to add up to more than your coverage limits, especially if there is more than one person involved in the accident.

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Average Health Insurance Cost for Single Male 2020

Details: Health Insurance Costs for Single Men Could Be Less Expensive Through an Employer . If the above rate of $418 per month without a subsidy is the average cost for a single male through the marketplace, then this may indicate that health insurance through an employer could cost less or be significantly different based on the health insurance plan an employer provides, especially if the employer

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Covered Peril in Homeowner's Insurance: What Is It?

Details: Covered peril in homeowner's insurance refers to the types of damage for which your insurance company will pay. Perils are hazards and events that can cause loss or damage, such as fire, wind, snow, or vandalism. Flood damage is not covered by homeowner's insurance and requires a separate flood insurance policy.

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The 8 Best Boat Insurance Providers of 2020

Details: Progressive Insurance is well-known throughout the United States and has an excellent reputation for providing comprehensive coverage at competitive prices. Progressive’s boat insurance policy is an example of the type of affordable coverage the company provides.

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Do I Need Reverse Mortgage Insurance? - The Balance

Details: Understanding Reverse Insurance . When you buy homeowner insurance one of the things that you provide your insurance company with is the information for your mortgage. It can be difficult to understand the difference between the home insurance mortgage protection and reverse mortgage insurance protection because they are both about mortgages, but do not cover the same thing.

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The Best Pet Insurance Companies of 2020

Details: Pet insurance helps pay for expensive emergency medical care for your beloved animal companion, whether it walks, trots, hops, or flies. The ability to afford unanticipated veterinary expenses is often the difference between saving or euthanizing your pet, but it can be a challenge to find the right policy.

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Insurance Industry Trends and Outlook - The Balance

Details: Insurance and Reinsurance . First and foremost, insurance is an agreement between you and a business to cover your financial risk. The company will pay your expenses if you experience an unlikely, but damaging or expensive, event.

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Mortgage Insurance: What Is It? - The Balance

Details: Mortgage protection insurance (MIP) is required on all FHA loans. MIP is similar to private mortgage insurance (PMI) required on some conventional loans. MIP protects the lender. It will pay the remaining mortgage balance to the lender if the borrower should default and stop making mortgage payments, but this doesn't avoid foreclosure.

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Ameritas Insurance Company Review - The Balance

Details: Ameritas Life Insurance Company is one of the oldest insurance companies in America. It was founded in 1887   under the name Old Line Bankers Life Company of Nebraska After mergers with Acacia Life in 1997 and Union Center Mutual Holding Company of Cincinnati, Ohio in 2006, the company became known by its present name of Ameritas Life.

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What Is Universal Life Insurance? - The Balance

Details: Universal life insurance (UL) is a hybrid life insurance policy that combines elements of term life insurance with an investment savings option. Universal life combines the ability to build savings at the same time as providing you with a life insurance policy.

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Tips to Find the Best Mobile Home Insurance

Details: This is a list of 10 insurance companies that offer Mobile or Manufactured Home Insurance with links to their websites. It's a good starting point to get quotes. Included in this list are some of the top referenced insurers, there may be other local insurers in your region, so be sure to check around in your area or ask other mobile homeowners

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