Generally, insurance is understood as a bet. We pay a premium and are secure about some uncertain future costs which may be substantial for us.

If we check the calculations of our monthly insurance payments, it would seem we are losing money, and this bet is only profitable for the ins...

1. We believe that the probability of us experiencing the event that we are insured against is high.
2. The claim that we may get in event of something happening is substantial with the cost of premium being on the lower side (basically a bargain).
3. To offset sub...

Ask at work about your available options that might reduce your insurance costs, and look into family options if you have one.

To lower monthly premiums, consider a high deductible health insurance plan. Just be sure to weigh the expected savings against the additional ...