Just Bein' Mommy

Columbus, OH Parenting Blogger

Thank you NAIC for the Insurance Survival Guide for Newlyweds (ends 12/20)

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Thanks to the NAIC for sponsoring this post. I was compensated in the form of a gift card. All opinions are my own.

Before my husband and I got married, there were many conversations we had regarding our future. Most of it was regarding what we wanted to do in life and how we were going to try and get there. We pretty much knew what the plan was to join us together: he let me worry about health insurance and I let him worry about the car insurance. Unfortunately, none of our conversations were about life insurance. We were 19 and never even thought about that type of stuff.

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According to a survey done by the National Association of Insurance Commissioners (NAIC), 61% of couples age 18-24 said they talked about combining auto policies before getting married, but only 30% cited ‘my spouse’s diving record’ as an important conversation to have before marriage. Your spouse’s driving record is a key factor in calculating premiums. This is why the NAIC suggests having “the talk”: they recommends couples have a pre-wedding sit-down to address important topics.

  • Auto Insurance
  • Home Insurance
  • Health Insurance
  • Life Insurance

Without discussing all of those, you could end up being under covered on things that are seriously important. So, to help make sure couples get smart about theses conversations, the NAIC created The Insurance Survival Guide for Newlyweds. This guide will give you and your spouse sound advice to make the transition an easy one for all types of insurances. Check out the PDF on this link. One the bottom, you can play the “I Do” adventures game. Can you beat my score? I got 1050 points!

As a thanks for downloading the Insurance Survival Guide for Newlyweds, NAIC is giving away a $50 Gift Card to Home Depot! In order to win the gift card, you must download The Insurance Survival Guide for Newlyweds and post a comment sharing a fact of tip that was surprising or helpful. Then, fill out the giveaway tools form below. This giveaway is for the US only and ends December 20th 2013 at 11:59pm est.

Reader Interactions

Comments

  2. Annette Bell says

    I will download the NAIC's WreckCheck app, because if I ever need to file a accident report and file a claim, this app will be a happily welcomed guide.

  3. Kimberley says

    I was surprised to learn that 24% of couples before married bought a house between ages 18-24 compared to 14% married couples in their late 40's. I enjoyed reading the facts and playing the game I to scored 1050.

  4. Jessie C. says

    I learned about the the NAIC’s free app and downloaded it to the Android tablet of hub's.

  6. Janet W. says

    One fact I found surprising is that less than 73% of couples getting married address the topic of whose health insurance to keep.

  8. Elena says

    I was surprised that only 30% of newlyweds had discussed their spouses driving record before they got married.

  9. Margaret Smith says

    I was surprised that 24% of today's Millennials purchased their houses togehter before being married.

  14. Geoff K says

    I was surprised to learn that only 47% of couples discuss the need for more life insurance before heading down the aisle.

  16. debbie says

    I was surprised at the number of couples that will combine their auto insurance, then shocked by the percent that never asked their partner about their previous driving record.

  18. Lisa Brown says

    i found interesting that 24% of married millenials purchased their first home together before they were married.

  22. Tarah says

    That insurance companies consider marriage a qualifying major event, so you may be able to make changes instead of waiting for open season.

  27. Thomas Murphy says

    I was surprised 71% of newly married couples acknowledget the importance of sharing pre-marital beneficiary designations. But more that 47% never got around to talking about it.

  28. Amanda Alvarado says

    I liked the tip about renovations changing the value of your home which changes your insurance needs!

  30. Tabathia B says

    That 84% of engaged & married couples aged 18-24 said it was imp to share preexisting health conditions before marriage

  33. Laura F. says

    I was surprised that only 30% of couples thought it was important to discuss their driving records.

  34. Laura J says

    I found it very interesting that 24% buy homes before married compared to only 14% for those older

  35. Sadie B. says

    I was surprised that only 30% of newlyweds had discussed their spouses driving record before they got married. Important to know!

  38. Kathleen says

    73% of couples getting married address the topic of whose health insurance to keep. kport207 at gmail dot com

  39. Jessica says

    I found it really surprising that 24% of millennials purchased a house together before they were married.

  41. Terra Heck says

    I thought the "Life" tip was helpful about life insurance coverage and how you should consider future income potential, the cost of raising kids and outstanding mortgage payments. Thanks. partymix25(at)hotmail(dot)com

  46. Beth W says

    61% of couples 18-24 sited talking about combining auto policies before marriage but 30% cited my spouses driving record as important.

  48. Karrie Millheim says

    24% of couples before married bought a house between ages 18-24 compared to 14% married couples in their late 40′s

  52. David says

    I am surprised at thasotv@aol.com percentage of newlyweds who purchased a home together before they were married. The purpose of a long engagement is to avoid the distribution of property if the marriage fails. That seems risky.

  54. Mary Cloud says

    When you have a renovation of $5,000 or more to your house it's value increases and your insurance needs change annabella @ centurytel dot net

  55. Susan Smith says

    I was surprised to learn that 24% of couples before married bought a house between ages 18-24 compared to 14% married couples in their late 40′

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