Curious if whether or not pet insurance is worth the investment? We sat down with USI Affinity’s Arielle E. to hear about her and her kitten's, Marmalade, recent "cat-tastrophe": Working in the insurance industry, you think you know everything there is to know about insurance protection. We speak often about preparing for the unexpected, educating everyone about their inherent need for various forms of financial coverage. However, no level of expertise can shield you completely from shock when the formidable ‘unexpected’ happens— but having even a basic understanding can help prepare you financially. If you asked me three months ago... Read more →

As Hurricane Florence begins to bare down on the East Coast, we know those in the storm's path will be taking precautions. While much focus will be on physical safety, there are a number of ways that you can ensure a more secure identity before, during, and after the event when opportunistic crimes can occur. In case you need to leave your home, secure sensitive documents and paperwork in a safe or a locked drawer and be sure to take all credit cards and insurance documents with you. If time permits, consider stopping mail service and cancel any package deliveries... Read more →

There are lots of things no one wants to talk about – disability insurance is one of them. But the longer you ignore it, the less protected you are against long term financial risks due to unexpected illnesses and injuries. Read on for guidance and answers to common questions about disability insurance. This information can help you get started and make the best decision based on your specific needs. 1. If you or others depend on your income — you need it. If you have people who depend on your income – or if you depend on your income –... Read more →

The “back-to-school” season is a busy, hectic time for students and parents alike. It’s also another opportunity for identity thieves to learn a thing or two, as well: and this new information isn’t the good stuff you read in books. Last year, over 1 million children were targets of identity theft and fraud, racking up over $540 million in out-of-pocket costs to their families, according to research from Javelin Strategy. Children are often targets of identity thieves because of their clean credit scores and the lack of attention families pay to their minor’s credit report. A criminal could open up... Read more →

For this part of the #USIontheMove blog series, we sat down with USI Affinity’s Arielle E. to hear about her experience traveling in Northern Ireland. Like so many places around this incredible world, it is hard to describe in full the emerald, earthen beauty of Ireland. The movie scenes and travel photos I had mooned over for years, I found, could never do justice for the wild sea of green and the rolling waves of ancient hills and valleys. For me, as for many Americans, setting foot in this unfamiliar place is more than just a holiday--it’s an adventure in... Read more →

All pet insurance providers are different. Below are some good things to know about them before choosing one. What do they cover? It has become pretty standard for pet insurance providers to cover accidents, illnesses, and hereditary conditions. However, not all providers cover things like dental problems, behavioral problems, or prescription food. Make sure everything you’d want covered is covered. What don’t they cover? All pet insurance providers have exclusions. For instance, no pet insurance provider covers pre-existing conditions, though each may define a pre-existing condition differently. Some have waiting periods that exclude certain conditions from coverage for a period... Read more →

According to a new report from Generali Global Assistance, the summer of 2018 is expected to be one of the most-traveled on record, with nearly 68% of Americans packing their bags. And while travel is generally a rewarding experience, travelers remain one of the most vulnerable groups to identity theft because they are often carrying more sensitive documents than usual and can be more unaware of their environment. However, with a few precautions, travel can be safer for you and your identity. 53 percent of thefts of consumers' identity data are "non-digital," meaning they don't involve — or at least,... Read more →

On July 4th 242 years ago, a room full of delegates and appointed officials signed into being a new nation built on ideals now nearly synonymous with the American way of life. On that day, there was no certainty that the United States would win their battle against England but there was trepidation, determination, and courage. Little did the Founding Fathers know what they would create with their signatures when they signed into being the Declaration of Independence. This Wednesday marks July 4th- an annual holiday commemorating the birth of America and celebrating the American people. Where history began and... Read more →

This information is courtesy of SoFi, used with permission. It is intended exclusively for general information only. For more information on student loan refinancing, please visit By Kevin Moss Credit scores play a large role in personal finance today. However, many people don’t really understand why or how they’re utilized by a financial institution when making a lending decision. We want to help change that, and provide some insight into how credit scores work at SoFi. First, some history. Although the MDS Bankruptcy score came first in 1987, the more widely adopted commercially available credit score was created in... Read more →

This coming June 17th marks 2018’s Father’s Day- a national holiday to celebrate fathers and their contributions to their families. These occasions also provide a time of reflection on family and how to better plan for the future in order to protect yourself and them financially. A part of that planning process should include evaluating your long-term care insurance needs. What is long-term care insurance and why is it important? As people age, the need for added support or services to carry out either personal or health related tasks can arise. Long-term care is defined as the medical or non-medical... Read more →