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Insurance -- Get the most bang for your insurance buck

Bankrate.com: Insurance Headlines
Getting the most from your auto, health, life and homeowner policies

Is an HSA right for your family?
A health savings account can provide big savings, but not if your family visits the doctor often.
Use of tax credits
An adoption tax credit can't be used against penalties and interest from back taxes owed, says CPA George Saenz.
Claims that boost your insurance rates
Certain types of claims are more likely to boost your insurance rates. Find out which may raise red flags.
Life insurance to pay off debt
When life insurance is used to pay off a loan, it's an exception to the tax-free rule, says CPA George Saenz.
Solutions to the health care problem
The presidential candidates offer starkly different solutions to the problem of 45 million uninsured Americans.

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