I’VE WRITTEN BEFORE about stumbling on an unexpected way to save on auto insurance. My education continues: I’ve also learned of a way to save on Medigap coverage.
When I became eligible five years ago for Medicare, I bought Medigap Plan G supplemental coverage from Mutual of Omaha (MOO). Last summer, as my wife was about to become eligible for Medicare, we took another look at Medigap coverage. I was generally happy with MOO’s claims procedures and customer service,

Every day brings me another insurance offer. In today’s mail, I was invited to insure against identity theft for $34.99 a month.
Last week, I was sent a “final notice” to purchase a home warranty. In the same batch of mail, I was offered a $20,000 whole life insurance policy for $132 a month.
My most faithful correspondent is my water company. Every month it invites me to insure the water pipes under my lawn for about $1,000 a year.

IF YOU’VE EVER RENTED a car, you’ll inevitability have heard the collision damage waiver (CDW) sales pitch. It sounds something like this: “I assume you want us to protect you bumper to bumper on the car, right?”
If you say, “yes, please,” then—for anywhere between $10 and $30 a day—the rental car will be covered for losses due to theft or damage, except for damage to certain portions of the car. Hint: Read the fine print.

FOR MOST PEOPLE, life insurance is purchased to protect their income in the event of an unexpected death. If you’re 35 years old, you potentially have 30 or more years of future earnings that your family would lose if you passed away, so having life insurance during these working years makes sense. But what happens once you reach retirement? Before canceling your policy, it’s important to assess your situation, because keeping the coverage might be the better choice.

MY LATE FATHER SPENT his entire career, from the time he dropped out of college to marry my mother until the day he died at age 61, in the insurance business. My father was also a huge fan of the San Francisco 49ers, our hometown NFL team.
Last year, the 49ers cruised through the playoffs, led by the team’s dynamic young quarterback, Brock Purdy. But then, in the NFC Championship game against the Philadelphia Eagles,

And by that, I mean shopping for 2025 health insurance.
For my 2024 coverage  (57-year-old male, zip code 64108) I’ve used HealthCare.gov to get coverage via Ambetter Standard Expanded Bronze for $803/month ($7,500.00 deductible/$9,400.00 max out of pocket/$50 copay).
For 2025 Ambetter actually reduced my premium to $731/month.
Since I’m quite healthy I wanted to get a plan with a lower premium and tried ehealthinsurance.com but the best they could offer was $827/month for an Ambetter Health Solutions Bronze HSA ($6,400 deductible/$8,050 max out of pocket/20% Coinsurance after deductible copay).