UBLinsurance

Having bad credit can make everyday expenses more challenging—including car insurance. In 2025, most insurers still use credit-based insurance scores to help determine rates, and unfortunately, drivers with poor credit often pay significantly more than those with good credit. While this may seem unfair, insurers link credit history with the likelihood of filing claims, which…

As an independent contractor, you’re essentially running your own business—and that means you’re responsible for your protection. Unlike traditional employees, you don’t have built-in insurance coverage from an employer. One lawsuit, accident, or unexpected event could derail your finances and reputation. That’s where independent contractor insurance comes in. Depending on your industry, you may need…

Critical Illness Insurance provides a lump-sum cash benefit if you’re diagnosed with a serious illness covered by the policy—such as cancer, heart attack, stroke, or organ failure. It’s designed to help you handle out-of-pocket expenses that health insurance might not fully cover, including deductibles, lost income, travel for treatment, or alternative therapies. Unlike regular health…

Long-term care (LTC) insurance helps cover the costs of services that assist with daily living activities like bathing, dressing, or eating—especially as you age or face chronic illness. These services aren’t typically covered by standard health insurance or Medicare, making LTC insurance an essential financial planning tool for many. Policies can cover in-home care, assisted…

Universal Life (UL) Insurance is a type of permanent life insurance that offers both lifelong coverage and a cash value component, with added flexibility. Unlike whole life insurance, UL policies let you adjust your premiums and death benefits over time, making it an appealing option for those whose financial needs may change. Part of each…

​Selecting the right whole life insurance policy is crucial for long-term financial security. Whole life insurance offers lifelong coverage with fixed premiums and a cash value component that grows over time. As of April 2025, several companies stand out for their robust policies, financial strength, and customer satisfaction. Notable providers include New York Life Group,…

Running a business from home offers convenience and flexibility, but it also comes with unique risks—especially if you store inventory on-site. Standard homeowners insurance typically does not cover business-related losses, which means your inventory, equipment, and operations may be left unprotected in the event of theft, fire, or natural disaster. Insurance for home-based businesses with…

Standard home insurance is designed to protect your home and belongings. Still, if you own high-value items—like fine jewelry, rare art, designer collections, or high-end electronics—you may need more specialized coverage. While a typical homeowner’s policy includes personal property protection, it often caps payouts for specific luxury or high-ticket items. This means that if something…

In 2025, veterans and military families have more car insurance options tailored to their unique needs than ever before. With deployments, frequent moves, and specific risks tied to military life, it’s important to find coverage that not only offers financial protection but also rewards your service. Fortunately, several top insurers recognize the sacrifices of military…

Owning rental property can be a wise investment, but it also comes with risks. From unexpected damage to legal liabilities, being a landlord means you need to be prepared for the unexpected. That’s where property insurance for landlords comes in. This specialized coverage, often called landlord insurance, is designed to protect rental property owners from…