Tags: saving money

How Are Life Insurance Premiums Calculated?

life insurance premiums

Have you ever wondered how your insurance company arrived at your premium payment amount? Does it seem like some mysterious formula that seems Greek to you? Is there anything you can do to reduce your premiums or are you just stuck with the amount they give you? Life Insurance premiums are calculated after looking at an individual’s health risk factors, such as tobacco use, cholesterol level, obesity, diabetes and family history. When applying for life insurance, the insurance company will determine your status based on your age, gender and overall... Read More

How to Save Money on Your Workers’ Compensation Insurance

How to Save Money on Your Workers’ Compensation Insurance

Workers’ Compensation Insurance can be one of the largest insurance expenses for small businesses—and it’s not an optional coverage. All businesses with employees must carry Work Comp Insurance. Just because it’s mandatory, though, doesn’t mean you can’t control your costs. There are many things you can do to help keep workplace injuries down and Work Comp costs under control. Here are three areas where you can make a difference and save money on your Workers’ Compensation Insurance. For more information about controlling Work Comp costs, give Roper Insurance a call today... Read More

Seven Easy Ways to Save Money on Life Insurance Policy

Seven Easy Ways to Save Money on Life Insurance Policy

Do you know you need life insurance but put off getting it because you think it’s too expensive? Would knowing there are things you can do to save money on life insurance help get you going? There are some very simple things you can do that will save you money on your life insurance premiums. Here are seven easy ways to save.   Buy Life Insurance Early Buying life insurance while you are young and relatively healthy will cost you much less in premiums than if you wait until you get... Read More

Four Types of Insurance Every College Student Should Consider

Four Types of Insurance Every College Student Should Consider

It’s that time of year when students across the country are getting ready to head to college. Whether you’re a brand-new freshman or a seasoned upper classman, you probably have a lengthy list of things to do and things to shop for before you go. Is insurance on your list? It should be. While it’s not usually an item found on your college’s what-to-pack list, here are four types of insurance every college student should consider before heading off to campus.   Health Insurance First, and probably most obvious, is health... Read More

Five Ways to Prevent Identity Theft

five ways to prevent identity theft

19 people fall victim to identity theft every minute. If there is a crime more frustrating than having to try and restore your identity, financial information and good name, I can’t think of one. Identity theft is the fastest growing crime in America, and costs the average victim about $500 and 30 hours to resolve each identity theft crime. With statistics like that, how can you minimize your risk and prevent identity theft? Here are five things you can do now to safeguard your personal information and your identity.   Monitor Your... Read More

13 More Ways to Reduce Healthcare Costs

13 More Ways to Reduce Healthcare Costs

Everyone wants to save money on their healthcare. Healthcare can be one of our biggest expenses in life. A while back we published 13 ways to reduce healthcare costs. Now we have 13 more ways you can reduce health costs.   Consider an HSA. Health Savings Accounts (HSAs) are growing in popularity. A high-deductible policy protects you from the cost of a catastrophic illness or prolonged hospitalization but leaves you paying for small and routine healthcare yourself. With an HSA, you control the savings account and use it for those... Read More

Insurance Tips for New Parents

Insurance Tips for New Parents

Congratulations—you’re having a baby! Are you ready? You’ve probably already decorated the baby’s room, stocked up on diapers & wipes, checked out car seats and strollers, and started discussing baby names. Maybe you’ve even signed up for childbirth classes and thought about nannies and daycare, but there’s one more thing you need to think about now that you’re adding another member to your family. Insurance. That’s right. Have you thought about how having a baby is going to change your insurance needs? While insurance may not be the first thing... Read More

Disability Insurance—What You Need To Know

Disability Insurance—What You Need To Know

What would happen if you got hurt and couldn’t go to work—for a week, for a month, or even longer? How would your bills get paid? How would you pay for food and medical care? How many missed paychecks stand between you and financial disaster? Disability insurance can help you continue to pay your bills, keep a roof over your head and keep food on your table when you can’t work because of illness or injury. Traditional health insurance doesn’t pay for every expense related to an injury or illness.... Read More

7 Most Overlooked Tax Deductions

7 Most Overlooked Tax Deductions

Are you finishing up your income taxes—and wishing you had more deductions? You may be in luck. Many tax deductions go overlooked every year by taxpayers who have no idea they exist. Here are seven of the most overlooked tax deductions. Can you use any of them this year?   Student-Loan Interest Paid by Your Parents As a rule, you can deduct interest only if you are the one legally required to repay the debt. But student loans are different. If your parents pay back your student loans, the IRS... Read More

13 Ways to Reduce Health Care Costs

13 Ways to Reduce Health Care Costs ID-100227380

The way we purchase health care in Colorado is unlike most other purchases we make. Many people will search through a newspaper for a coupon that saves them 50 cents at the supermarket or scour the web to see who has the lowest price on the latest electronics. However, when it comes to our health care—a far more complex and expensive service—we rarely ask questions or consider all the options that could save us time and money. We can’t give you a coupon or steer you to a sale on... Read More