Insurance Basics
Contributor
James Anderson
Insurance writer — life, health and policy comparison
James Anderson writes Legamoney's life and health insurance coverage: term versus permanent policies, underwriting and exclusions, marketplace and employer health plans, deductibles and out-of-pocket maximums. He reads the policy language and the NAIC model terminology rather than relying on carrier marketing, and states plainly what a policy does not cover. He works with the Legamoney Insurance Desk.
Areas of expertise
- Term and permanent life insurance
- Health plan design, deductibles and out-of-pocket limits
- Policy exclusions, riders and underwriting
- Coverage comparison methodology
Published
51 articles
How we verify what we publish
- 01Every factual claim is traced to a named regulator, government agency, or the provider's own published terms before publication.
- 02Figures that change — rates, limits, thresholds — link to the primary source that publishes them rather than being quoted as a fixed number.
- 03Worked examples are shown as full arithmetic so a reader can reproduce the result independently.
- 04Each guide is checked by the owning editorial desk before it is published, and again whenever the underlying rules change.
Articles by James Anderson
Insurance (24)
Insurance Basics · 15
Insurance Basics
Insurance Claim Denied? How to Read and Challenge the Decision
Insurance Basics
Insurance Renewal Reviews: A Checklist Before You Pay
Insurance Basics
Insurance Subrogation: Why an Insurer Pursues a Third Party
Insurance Basics
Insurance Riders and Endorsements: How Coverage Changes
Insurance Basics
How Insurers Use Risk Data to Set Premiums
Insurance Basics
Deductible Terms You Will Meet at Claim Time
Insurance Basics
How Much Does Raising Your Deductible Actually Save?
Insurance Basics
Do You Pay a Deductible If You Are Not at Fault?
Insurance Basics
Should You File a Claim Below Your Deductible?
Insurance Basics
High-Deductible Health Plans: The Maths Before the HSA
Insurance Basics
How to Choose a Deductible: A Break-Even Method
Insurance Basics
Percentage Deductibles: Why a Hurricane Claim Costs You More
Life Insurance · 4
Life Insurance
Employer Group Life Insurance: The Gaps to Check
Life Insurance
Term Life Conversion: Deadlines, Cost, and Use Cases
Life Insurance
Life Insurance Beneficiaries: Avoiding Common Disputes
Life Insurance
Life Insurance Underwriting: What Insurers Assess
Health Insurance · 3
Health Insurance
Health Insurance Prior Authorization: A Practical Guide
Health Insurance
COBRA After Job Loss: Eligibility, Timing, and Cost
Health Insurance
HMO vs. PPO Health Plans: Networks and Costs Compared
Travel Insurance · 2
Travel Insurance
Cancel-for-Any-Reason Travel Insurance: What It Adds
Travel Insurance
Travel Insurance Pre-Existing Condition Waivers
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