An insurance premium is a fee paid to an insurance company in lieu of a one-year policy that guarantees benefits for certain covered events. While some insurers require payment of annual premiums, others offer insurers several payment options to choose from.

A cross payment is a claim for recipients who are eligible for both Medicare and Medicaid, with Medicare paying part of the claim and Medicaid billing the remainder of the deductible and/or coinsurance.

From direct lenders and mortgage brokers to traditional banks and credit unions, today’s consumers have many options for choosing a mortgage lender.

Many citizens agree with the basic principle of progressive taxes: If you have more, you need to contribute more to the community that is the foundation of your affluence.