What is up with the new TV advertisements about insurance? Even Progressive is talking more about the different items they cover than about saving money. We have a cute dog worrying about his bone as the music plays “Worry, Worry, Worry”. Mayhem happens in another advertisement when a man becomes an inanimate object like a TV dish or a flag that causes a disaster. The object then identifies himself as Mayhem and the insurance announcer lets you know that this company covers mayhem (as if others did not). The one thing that is missing is the usual claim of saving you money. This focus onto coverage instead of price is what insurers call a “hard market”.

Why Should I Buy Life Insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

Drinking in the United States among minors has reached epidemic levels. More than fifty percent of minors drink alcoholic beverages with some degree of regularity. Surveys show that a high percentage of middle school and high school children have had a drink in the past 30 days. Quite a few school children are binge drinkers.

As homeowners premiums continue to increase at an alarming rate, insurers are also reducing their exposure, as coverage once considered standard is going away or being modified.

If you’re looking to save money on homeowner’s insurance, don’t look to State Farm. They’re actually trying to raise rates for homeowners in Texas: