🇺🇸 Mortgage Rates Hover Near One-Year Highs at About 7.4% as Inflation Data and the Fed Loom — Freddie Mac🇺🇸 Hurricane Isaias Makes Landfall on the Florida Panhandle as Insurers Begin Assessing Damage — Insurance Business🇮🇳 IRDAI Proposes Sweeping Caps on Insurance Commissions as RBI Weighs In — Business Standard🇮🇳 RBI Raises Repo Rate to 5.50% and Shifts to Calibrated Tightening as Oil and the Rupee Weigh — GKToday🇬🇧 Volkswagen Sets Aside £725 Million for UK Car Finance Redress as the Industry Bill Climbs — Insurance Journal (Bloomberg)🇦🇺 ASIC Tells General Insurers to Fix Premium Disclosure, Cash Settlements and Claims Management Firm Conduct — ASIC🇺🇸 Mortgage Rates Hover Near One-Year Highs at About 7.4% as Inflation Data and the Fed Loom — Freddie Mac🇺🇸 Hurricane Isaias Makes Landfall on the Florida Panhandle as Insurers Begin Assessing Damage — Insurance Business🇮🇳 IRDAI Proposes Sweeping Caps on Insurance Commissions as RBI Weighs In — Business Standard🇮🇳 RBI Raises Repo Rate to 5.50% and Shifts to Calibrated Tightening as Oil and the Rupee Weigh — GKToday🇬🇧 Volkswagen Sets Aside £725 Million for UK Car Finance Redress as the Industry Bill Climbs — Insurance Journal (Bloomberg)🇦🇺 ASIC Tells General Insurers to Fix Premium Disclosure, Cash Settlements and Claims Management Firm Conduct — ASIC
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PolicyRix

Insurance & Finance Intelligence

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The news tells you what happened. These guides explain how insurance and money products actually work, so you can make sense of the headlines and your own decisions.

Healthcare Insurance · 8 min read

Deductible, Copay, Coinsurance and Out-of-Pocket Maximum: How Health Insurance Costs Really Work

A plain-English guide to the four numbers that decide what you pay for health care, with worked examples and a checklist for comparing plans.

Updated October 12, 2026

Life Insurance · 7 min read

Term vs Whole Life Insurance: How to Choose the Right Cover

What term, whole and universal life insurance actually do, what they cost relative to each other, and a simple way to decide which fits your situation.

Updated October 12, 2026

Economy · 7 min read

How Central Bank Rate Decisions Reach Your Mortgage, Savings and Insurance Costs

Why a one-line decision from the Fed, Bank of England or RBI changes what you pay on a loan and earn on savings, and what it does to insurers.

Updated October 12, 2026

Auto Insurance · 7 min read

How Auto Insurance Premiums Are Priced — and 9 Legitimate Ways to Lower Yours

The rating factors insurers use, why premiums rise even without claims, and practical steps to reduce what you pay without losing the cover that matters.

Updated October 12, 2026

Insurance · 7 min read

How to File an Insurance Claim and What to Do if It Is Denied

A step-by-step guide to documenting a loss, filing a claim, dealing with adjusters and appealing a denial or low settlement offer.

Updated October 12, 2026