Your insurance, premiums, denials and an example
Forward Here’s a simple idea to learn for families and friends, and some wisdom to share: Sometimes, insurance policies change while they’re still active. New exclusions or limitations can be added through updates and endorsements, and many people never fully realize what changed until they need to file a claim. The result is painful: people […]
How pet insurance works
This conversation explains how to control rising pet insurance premiums by understanding what drives costs and how policies actually work. It clarifies that wellness plans are really prepaid care, not true insurance, and that the biggest price factors are age-based increases and rising veterinary costs. Owners are urged to ask insurers how premiums are calculated, […]
Understanding Potential Risk
At My Policy Advocate™, our goal is to help you learn about circumstances that can increase your risk of a claim being denied or contested. These are real-world examples across 29 types of insurance, showing where policyholders can have their claims denied or contested. Using our Ai-assistant, Clara, we read every line of your policy or quote […]
Public Adjusters
What is a Public Adjuster? A public adjuster is a licensed insurance professional who represents policyholders in preparing, filing, and negotiating insurance claims on property losses—working solely in your best interest, and negotiating with the insurance company on your behalf. How is a Public Adjuster different from my insurance company’s adjuster? When should I consider hiring a Public […]
Insurance is the backbone of financial security.
Understanding your coverage — and the terms hidden deep in the fine print — is essential to choosing the right protection and ensuring your claims are approved when you need them most. That’s why we’re offering educational lessons and live webinars created to help you safeguard what truly matters: your family, your home, and your […]
