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Articles in Home | Insurance

  • 4 Things To Remember When Renewing Your Home Contents And Home Buildings Insurance  By : Joseph Kenny
    Each year when our renewal notices come through the post for our home contents insurance and/or home buildings insurance, most of us automatically sign the form and send it back to the insurance company – after all, we already know how much the premiums are going to be. Big financial mistake, and here are 4 reasons why:

    Did You Buy Anything New In The Last Year?

    If you bought anything new in the last year, say a new television or video recorder, then the value of this n...
  • A Quick Guide On Where To Go For Payment Protection Insurance  By :
    Payment protection insurance is offered by all of the major high street banks and lenders these days, largely because they noticed that it was a highly profitable product that few people ever claimed on. Of course, their deceitful sales techniques, as reported by a large number of consumers since 2005, helped to make payment protection insurance this way. But the resultant investigations into the payment protection insurance industry by the Financial Services Authority, the O...
  • A Word About Child Medical Insurance  By : Jessica Farrell
    We love our children. From the moment we realize they are making their way into this world, we begin making plans for them. We want the best of everything for them, from homes and communities to schools and activities. We strive to raise them in safe, healthy, nurturing environments in hopes that they will grow into and remain safe, healthy, nurturing adults throughout their lives.

    Child medical insurance must be included in our plans for our children. Children are consta...
  • About Employment Insurance  By : Robert Thatcher
    It has often been said that bad things can happen to you even without your cooperation. That can also be said about jobs and careers. Shortage of available work, mass lay-off and retrenchments, reorganizations and mergers, in today fast pace anything can happen. When it comes, the experience can be devastating for many, made worse when savings are not enough, debts are high and payments are in arrears.

    Being prepared is always the best way to cushion the effects of loosing...
  • Affordable Car Insurance – What To Do To Keep The Rates Down  By : Gavin Bloom
    Automobile insurance is one of those things in the budget that is always going to be there. There are very few places in America that permit you to drive vehicles without insurance and so it behooves each and every one of us to get a better handle on our own auto insurance coverage. The industry is changing a bit because the competition is strong. There are new and creative auto policies on the market today. The trend that has gained the most momentum is the self-insuring con...
  • Affordable Individual Health Insurance  By : Jessica Farrell
    There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that there are savings in numbers; the more people in a plan, the better the savings for each member.

    In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing or mailings, you may be able to ...
  • Affordable Texas Health Insurance - Get Insurance Cheap In The Lone Star State  By : Jessica Farrell
    Change is never easy, and amendments to Texas Law have seen the Health Insurance market explode with a multitude of health plan options. While more competition is always a good thing, it can sometimes be very confusing to consumers who want to get the best deal, but are confused by the sudden array of choice.

    There is also the added confusion that not all health plans have to contain all benefits, meaning you've suddenly got a whole lot of policies that may or may not con...
  • Best Home Owner Insurance – What Is The Best?  By : Gavin Bloom
    The best homeowner insurance is the insurance that best meets your needs. The insurance shopper that takes the time to understand the basic elements of home insurance will have much more confidence and sense of satisfaction when making an insurance purchase. The homeowner policy has been around for a long time and so most of us have a general concept on how the policy works. The more you know about the market value of your home and the approximate cost to rebuild it the bette...
  • Best Homeowners Insurance Rates - How Can You Get Them?  By : Oliver Turner
    Rating of Homeowners insurance depends on various factors. The most knowledgeable buyer usually finds the best home insurance rate. To get the best homeowners insurance rate, you should do a bit of research work. If you cannot time yourself for it you can of course seek professional help. This approach is timesaving but you have to be cautious about your advisor.

    Here are some tips to get the best homeowners insurance rates.

    1. First of all you should get the basic unde...
  • Budget Car Insurance – Car Insurance Buying Tips  By : Gavin Bloom
    Car insurance is an integral part of the insurance budget. There are a lot of variables that cause the rates to increase or decrease. Some of these variables cannot be controlled by the insured but there are some things the insurance buyer can do to keep their policy reasonable without losing a lot in protection.

    What Are Your Assets? – Do you own a home? Do you have several vehicles? Do you own a business? Do you rent an apartment? Your strength in assets is a factor when...
  • Can You Afford Not To Have Health Insurance?  By : Gray Rollins
    Many people think the best way to get health insurance coverage is simply to get the most complete coverage one can afford. This is, to some extent true, and if you have a lot of liquid resources it is a good idea to get a comprehensive individual health insurance plan that includes everything from a small deductible for hospital visits to full dental and vision coverage. However, if you are on a very tight budget, you may want to consider getting a smaller plan than you can ...
  • Car Insurance How Can I Lower My Premiums?  By : Michael Challiner
    During the last few years, the average car insurance premium has virtually been at a stand still. The reason is price competition. There are now over 100 car insurance companies fighting for your business and competition is fierce. There are always bargains to be found as companies cut their premiums to attract motorists in the hope you'll remain loyal and stick with them in following years. Indeed, every year, 23% of us renew our motor insurance with our existing insurer.
    ...
  • Car Insurance – New Style Policies Cut The Cost  By : Michael Challiner
    Get ready for an avalanche of “new style” car insurance policies to hit the market. One of the first insurers to enter the fray is Tesco, with the announcement of its new “no frills” policy. Where Tesco leads, others will swiftly follow in their search for new customers.

    The AA doesn’t seem too impressed with Tesco’s offering, saying that the excess is really high and if you look around you could buy the usual fully comprehensive for the same price. Taking the opposite sta...
  • Cheap Insurance Van  By : Danny Wirken
    The word shopping brings a feeling of immediate excitement to most people. But if you combine the word shopping with car insurance, as in "shopping for car insurance", it produces the opposite effect. The thought of shopping for auto insurance makes the eyes glaze over and the heart rate drop to the pace of a slumbering couch potato.

    Couch potato? Indeed. Doug Heller, a consumer advocate at the Foundation for Consumer Rights and a recognized insurance issues specialist, to...
  • Cheap Term Life Insurance - Lowering Those Rates May Be Easier Than You Think  By : Jessica Farrell
    Term Life Insurance is insurance that covers you for a specific period of time only. As such, it is already one of the cheaper forms of Life Insurance. Here are a few ways to get even more value for money on your Term Life Insurance.

    First of all, look after yourself. Staying in good health will have a dramatic effect on your premiums. Quit smoking, exercise frequently, and make sure that you eat well. You'll feel better, and so will your wallet.

    Term Life Insurance is ...
  • Dental Insurance. The Nhs In Dental Shambles  By : Michael Challiner
    It's truly shambolic say many dentists referring to the recent overhaul of the NHS dental service. The situation has become so bad that dentists are leaving the NHS in droves. Seven out of ten dentists have either quit the NHS or have signed their new NHS contract temporarily and “under dispute”. This means that come July this year they have the right to refuse NHS patients and switch entirely to private practice.

    The hullabaloo is all about the new NHS contract which many...
  • Discounted Term Assurance  By : Micheal Reese
    Three Tips To Getting Discounted Term Assurance

    If you want to take out a term assurance policy then you probably already want to make sure that you get it right and that you get it cheap. After all, there is a very real possibility here that you won’t die during the term of your policy so you won’t get any money back. But, on the other hand, you also need to make sure that your family is given the maximum cover protection if you do die. Follow our top three tips and you w...
  • Do You Have Medical Insurance Coverage?  By : Jessica Farrell
    We all need medical insurance coverage. Although we can not always predict when we are going to need it, we can almost be sure that at some point we are going to need it. Whether you pride yourself in rarely ever getting sick, or you have an illness or condition that you will deal with for life, medical insurance coverage just makes sense.

    Whether you are choosing to purchase medical insurance coverage independently or are choosing from a variety of policies available thr...
  • Do You Need A Long-Term Care Insurance Provider?  By : Jessica Farrell
    When purchasing insurance, most of us take care of the immediate needs—car, health, home, even renter’s insurance—and we search for those providers according to location, coverage, rates, etc. But many of us don’t consider looking into long-term care insurance, much less long-term care insurance providers. There’s a good reason for this. Not everyone needs a long-term care insurance provider. However, some folks do and they fall into two main categories—the elderly, and peopl...
  • Factors to Consider for Getting Inexpensive Auto Insurance DUI Policy  By : Jones Wilson
    Enrollment to the auto insurance DUI policies has become one of the most essential requirements in recent times. It is a high risk policy and hence it is quite difficult to get cheaper rates on such policies. Along with the DUI conditions, this article also discusses about the SR22 insurance policies.
  • Finding Your Best Life Insurance Company  By : Jessica Farrell
    Purchasing life insurance is a big decision, and we all want the best coverage for the least cost. However, money is not the only factor that goes into choosing a life insurance company. Below are five factors that separate best life insurance companies from the average ones. You will want to consider when choosing the best life insurance company, and policy, for you.

    First, after you have shopped around a bit, thrown out the definite “no way’s” and decided on a couple of ...
  • Free Home Insurance Quote – It's Free And Easy  By : Gavin Bloom
    Shopping online for insurance has sure made things easier for the consumer. The best thing about shopping online is the education that you gain as well as the benefit of rate comparison. The more knowledgeable you are about the product the easier it is to make intelligent comparisons. The home insurance quote is not that difficult if you start your shopping with some basic information. The insurance calculators that you will find online depend on your accuracy when entering t...
  • Gap Insurance: A Financial Safety Belt  By : Peter Garant
    Why is gap insurance considered as a financial safety belt? Simply put, it keeps you from being financially ruined when disaster hits your car. For example you are in this situation, you bought a late-model car three months ago using a car loan with a regular car insurance. The car costs $30,000 and you have already made three payments of $900 each month. Then, disaster strikes. An electric post falls and slams down on your car. The car was flattened to half its height.

    I...
  • Getting Health Insurance If You're Self Employed  By : Gray Rollins
    Self employment offers a lot of freedom for the lucky and dedicated people who make it their lifestyle. A self employed person has the ability to set his or her own schedule and to grow his or her career as high as the sky without needing to deal with the workplace politics that can stunt so many aspirations. Instead of waiting to be promoted, self employed people are able to take control of their career advancement. However, it can be difficult for any self employed person t...
  • Getting Life Insurance Protection Online - The Internet Can Provide Very Low Rates  By : Jessica Farrell
    There's been a revolution in the Insurance market, and its been heralded by the ability of companies to go online and compete in a marketplace that does not depend on them having a branch in your specific town, or advertising through television or radio.

    Because of the lower costs associated with offering insurance online, you the consumer can now access much better life insurance deals online than ever before. Getting your Life Insurance online means that you can contrast...
  • Health Savings Accounts Put You in Control of Your Healthcare  By : Wiley P Long
    Proponents of a "single-payer" healthcare system are ignoring what is going on in Canada and England. As more Americans discover health savings accounts, the result will be lower costs, greater choice, and higher quality medical care.
  • Healthcare Plan Savings Discussed  By : Robert Thatcher
    During these times when hospital bills and professional doctors fee are high, medicines are expensive, and temptations for foods, drinks and vices are everywhere, staying healthy is a must. While some are gifted with good and healthy body, others struggle to maintain a healthy body. And with the price of healthcare plan contributing to the expenses we already have, there is a great need and knowledge on how to somehow cut the cost of healthcare plan.

    Although you cannot d...
  • Home And Contents Insurance. Poor Maintenance Can Invalidate Your Cover.  By : Michael Challiner
    Most home and contents insurance claims proceed smoothly, except perhaps for occasional disagreements about how much something was worth. But another re-occurring difficulty is where damage is due to poor building maintenance. The homeowner has a duty of care and the insurers take a dim view of claims that the homeowner could, and should have, avoided. AS a result insurers may scale down or even reject your claim.

    To avoid such problems you should give your house an annual...
  • Home Insurance Mistakes Which You Might Literally Lose Everything  By : Bendz
    Find how some small mistakes may lead you lose in homeowners insurance?
  • Home Insurance Quotes  By : Brandon Miller
    With all the rising costs in the world consumers are looking for ways to cut costs and save money. Americans spend billions of dollars every year on their home insurance policies. It does not take a genius to figure out that every homeowner needs insurance, most people consider their home to be their greatest asset.

    Thousands of homeowners are reaping the rewards that comes from filling out a FREE home insurance quote. Many are receiving 25-30% discounts on their policies ...
  • Home Insurance Rate – What To Look For When Shopping  By : Gavin Bloom
    Homeowner insurance premiums are on the rise. There was a time when the home policy was the best and least expensive of all the property and casualty insurances. The homeowner policy is under attack. There are many more exposures than ever before. Toxic mold has caused some real problems in some areas of the country and caused the premiums to rise dramatically. Some states exclude coverage for toxic mold entirely. Natural disasters have had an affect on rates. The recent barr...
  • Home Owner Insurance Coverage – What Are The Basics?  By : Gavin Bloom
    Homeowner insurance has a lot of different benefits and features but the actual coverage is divided into two policy sections. These sections protect you from the perils defined in the policy.

    Section I

    A – The Dwelling – The dwelling and attached structures

    B – Other Structures – structures un-attached

    C – Personal Property – contents of the dwelling

    D – Loss of Use – additional living expense

    The list of perils that a homeowner policy insures against are fi...
  • Homeowner Insurance Company – Is One Better Than The Other?  By : Gavin Bloom
    The homeowner policy is an automatic purchase for most families who own their own home. There are hundreds of insurance companies that sell homeowner insurance. Is one better than the other? That is a very difficult question to answer. There are a lot of good insurance companies. Insurance companies are regulated by state insurance departments. They always have to prove their strength to these departments in order to operate within the state. That eliminates a lot of problems...
  • Homeowners Insurance Leads And Quotes - Things You Need To Know  By : Oliver Turner
    It is important to get your home insured. But do you know how to get homeowners insurance quotes?

    You are always recommended to invest in a reputed homeowners insurance company and seek advice from a reliable insurance agent. Only professional insurance agents can offer you the right home insurance quote.

    Here are some important factors that should be discussed with your insurance agent while requesting for the homeowners insurance quote:

    1) Liability protection.
    2)...
  • How Can I Save Money On My Homeowners Insurance Rates?  By : Jessica Farrell
    Why should your homeowner’s insurance carrier receive any more of your hard earned money than they should? Here are a few pointers to help you to reduce your premiums and put that money right back into your pocket.

    1. Raise your deductible: Depending on the state in which you live and your insurance carrier, raising your deductibles from $250 to $5,000 per claim could save anywhere from 5 to 25% of your premium.

    2. Buy your policies from the same insurance company: Insu...
  • How Disability Insurance Differs From Health Insurance  By : Gray Rollins
    When faced with the option of whether to purchase disability insurance, many consumers say no without fully understanding the consequences of their decision. The major reason why so few people opt for a smart amount of disability insurance is that disability insurance policies are not as widely held or as commonly discussed as life or health insurance policies. This leads to the current situation, where many people remain uneducated as to the possible benefits that disability...
  • How Home Emergency Cover Can Assist The Needs Of The Over 60s  By : Joseph Kenny
    Imagine that it is Sunday night and you are watching your favourite television show before you go off to bed for the night. The next thing you know your hot water boiler bursts and floods your home. Who are you going to call at such a late hour on a Sunday night? With a home emergency insurance policy in place, all you need to be doing is picking up the phone and calling your insurance company.

    Although it would be fair to say that a number of the benefits of a home emerge...
  • How Income Protection Can Save Your Family  By : Paul Thomas
    If sudden illness or injury from an accident happens to you as an employee it may mean that you can not earn a living for a period of time. If you own a company and it happens to a member of your staff, it can cause plenty of havoc and anxiety at an organization, even in the most stable and established company.

    Many people are too busy earning a living, so much so that they hardly have the time to stop and think of the possible dangers, of what would happen to them and the...
  • How To Choose Individual Dental Insurance  By : Mark Woodcock
    Your dental health is an important part of your overall health, and should not be neglected. Having good dental insurance can help ease your mind when you or a family member has a dental emergency. But dental insurance is notorious for having a lot of limitations, and costing a lot of extra money. If you are interested in having dental insurance for your family, and you are considering individual dental insurance, it is important that you learn as much as you can before signi...
  • How To Choose The Right Life Insurance Policy  By : Clare Mactaggart
    Life insurance – what is it & how does it work?

    Life insurance is the simplest, most popular and cost effective way to financially protect any dependants in the event of your death. While it won’t help those left behind to get over their loss, the benefit of a lump sum, in most cases tax-free, will guarantee your family aren't deprived of funds during an already stressful time.

    With the cost of life insurance at an all time low, now is the perfect time to arrange cover....
  • How To Lower The Cost Of Your Car Insurance  By : Evan T. Smith
    Insurance is one of the most important part of the financial planning and the objective is to get maximum coverage at the best competitive price. The following article will serve as a guideline to lower the cost of your car insurance.
  • How To Pay Less On Home And Contents Insurance  By : Michael Challiner
    Buildings Insurance went up again last year, costing homeowners another 1% a year, taking the average to just over £205 for a year's insurance. Contents insurance also went up, this time by 2% - now it costs the average homeowner £151 a year. However, some lenders are hiking prices even higher than that – Norwich Union for example, raised its prices by a whopping 6% last year.

    The question is - why? There's so much competition out there, you'd expect prices to be falling, ...
  • How to Reduce Your Hospital Bills  By : Wiley P Long
    As more people get high-deductible health insurance plans in conjunction with a health savings account, they are paying more attention to the fees they are being charged. Savvy consumers are discovering a wide range of prices among various providers, and many ways to reduce their hospital bills and avoid over-charges.
  • Individual Health Insurance Coverage - A Little Help To Understand The Facts  By : Jessica Farrell
    Choosing the right type of individual health insurance is an important step in looking after yourself. The main three choices when it comes to Individual Health Insurance coverage are Fee-for-service, HMO and PPO.

    Fee for service means that you can go to any doctor in the country and you do not need referrals for specialists. This is the most flexible type of cover, and often the most expensive too. You pay a monthly premium and a yearly deductible which is a payment you m...
  • Insurance - All The Basics  By : D. David Dugan
    What is insurance?

    Insurance is a means of providing protection against financial loss in a great variety of situations. It is a contract in which one party agrees to pay for another party’s financial loss resulting from a specified event.

    Insurance works on the principal of sharing losses. If you wish to be insured, against any type of loss, agree to make regular payments, called premiums, to an insurance company. In return, the company gives you a contract, the insur...
  • Insurance Made Easy: A Guide For The Consumer  By : Cori Fox
    For most of us, insurance coverage represents a love-hate relationship. We hate paying for the premiums, but love having the right kind of coverage when it is needed. We realize that is important to have insurance coverage, but just the thought of contacting different insurance agents, or researching different insurance plans, can not only be a scary experience, but incredibly overwhelming. Knowing what types of insurance are available, and making sure you have the correct co...
  • Insurance News – UK Ex-Smokers Reportedly Paying Too Much For Life Insurance.  By : R.Green
    According to recent life assurance research by Sainsbury’s Bank, many ex-smokers may be paying too much for their life insurance. They assert that during the past 5 years approximately 6.78 million people have given up smoking, however only a quarter of these people have informed their life insurance company.

    Time requirements differ between insurers; however, many companies consider a person to no longer be classed as a smoker after one year following quitting. By contac...
  • Insurance – Promise Of Reimbursement  By : Alan Ross
    The word insurance, on a broader sense means ‘Promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments in the form of premium to an insurance company’.

    In principles, insurance dwells on assumptions such as
    1.The losses and consequences are uncertain
    2.Rates of losses are fairly quantifiable and predictable
    3.Losses are not calamitous
    4.Losses are substantial

    This unambiguously infers that s...
  • Insurance. Duplicated Insurance Wastes Money.  By : Michael Challiner
    Have you ever worked out how much you spend on insurance? Try totting up your premiums – we suspect you'll be surprised! You'll be even more surprised to discover that there's a probability that you've also duplicated some of the cover you're paying for. Cut the duplication out and you're certain to save money.

    Lots of people have insurance cover for legal expenses, loss of income, theft, even death, without even realising it. This can arise because many of us don't fully ...
  • Is A Higher Auto Insurance Rate For Men Twenty Five And Below Discrimination?  By : Mark Dodd
    What makes a man below 25 so attractive? Is it the angst to make it big in life? Is it the youthful charm? Is it the fashion sense? Or… is it that shimmering blue car he got?

    To have a car is an advantage. You get to travel with not much hassle compared to having to commute. For young men especially that below 25, owning one is a symbol of masculinity. They often use it as a magnet for the opposite sex.

    Beneath these fine points, one disadvantage these young men suffer ...
  • Is There Discount Term Life Insurance Out There?  By : Jessica Farrell
    First of all, we’ve all heard of life insurance. Many of us even have it. But what is term life insurance? The meaning of term life insurance is in its name—it covers its policyholders for a certain amount of time—a certain term. It costs much less (except for the very elderly) than whole life insurance and can be covered in two types of premiums—level-term and annual renewable. The premiums of level-term stay the same throughout the duration of the policy and can usually be ...
  • Juvenile Or Child Life Insurance Tips  By : Oliver Turner
    Is it wise to buy an insurance policy for your children? Is it really necessary? Parents often ponder over these questions.

    Yes it is wise. Actually buying a policy of child life insurance leads your child’s life to a future that is financially secured. It helps to keep plans for your child’s carrier alive. Also, as they step into adulthood, the child life insurance policy builds cash value that supports your child’s life with a financial cushion.

    Child life insurance p...
  • Learn About Whole Life Insurance  By : Gray Rollins
    Whole Life Insurance, Trends, and Staying Power

    Whole life insurance provides customers with a life insurance policy that will help their loved ones in the future, and with an investment component that will help customers and their families right away. This mixture of delayed and instant gratification has been attractive to life insurance shoppers for decades, but today’s trend in life insurance is moving away from whole life insurance packages. Once, whole life insurance...
  • Life Insurance - A Beginner’s Guide  By : Micheal Reese
    When it comes to life insurance we have two primary types of policy to choose from – term life insurance or whole of life insurance. Many people find it hard to come to a decision about which type of policy to take out but the decision you have to make really isn’t that complex and both will offer good levels of cover for the majority of people. Let’s take a closer look at your options.

    The most popular type of life insurance is, without a doubt, term life insurance. This ...
  • Life Insurance And Critical Illness Insurance. Cancer Tests To Increase Women's Premiums  By : Michael Challiner
    Ladies, if your mother or any other female blood-line relatives have a history of breast or ovarian cancer then from next year onwards, you could face higher insurance premiums. You could even be refused cover altogether.

    When these women apply for life and critical illness cover, the insurance industry wants to ask them whether they have been tested for the gene mutations BRCA1 or BRCA2. These are the gene complications that increase the chances of them developing these ...
  • Life Insurance Mortgage Online Quote – How To Shop For Mortgage Protection Online  By : Gavin Bloom
    The purchase of a new home is one of largest investment that we make. The homeowner policy is almost always purchased when anyone purchases a home. The bank lending the mortgage money will require a homeowner policy and become the lien-holder on the policy to protect the loan. The mortgage loan is a major debt and should be covered by life insurance. Mortgage life insurance can be purchased from just about any life insurance company. Shopping for mortgage life insurance onlin...
  • Life Insurance Take A Last Gasp And Count The Savings!  By : Michael Challiner
    We're not being insensitive, honestly! We're talking about your last gasp of smoke – have you given up smoking recently?

    Did you know that smokers paying up to 60% more for their life insurance cover compared to non-smokers. So, besides the health dividend and the money saved on cigarettes, insurance companies will chip in with lower life insurance premiums. And the insurance savings aren't to be sneezed at! A typical policyholder could save at least £10 or more per month...
  • Life Insurance Term Verses Whole – Is Term Life Insurance Better Than Whole Life?  By : Gavin Bloom
    There has been an on-going battle in the life insurance industry involving term life insurance and whole life insurance. The industry has survived the battle but the consumer is still asking the same question. Which one is better? The question is flawed because these two policies serve two different purposes. The real battle comes over the concept of buying term and investing the difference or the purchase of permanent life insurance. The proponents of buy term and invest the...
  • Life Insurance. Bargain Life Insurance When You Take Out A Pension Policy  By : Michael Challiner
    At last, a real life insurance bargain – but as always there are strings attached!

    If you take out a new pension policy after 6 th April 2006 and within the same premium pay for life insurance cover, then you can use your pension contribution tax allowance to reduce the cost of your life insurance. This means if you're a standard rate taxpayer, you'll receive 22% tax relief on your life insurance premiums and relief at 40% if you're a higher rate taxpayer.

    The combine...
  • Locating Cheap Auto Insurance Premiums  By : Larry A. Johnson
    Paying too much for your auto insurance? By taking a few minutes to get some free price quotes you may be amazed at the savings you will receive. Prices from company to company can vary greatly which means it pays to shop around for the cheap auto insurance you are wanting.

    Whether you receive car insurance quotes from phoning companies directly or browsing their web sites it makes no difference. However, it is often much quicker to find many free auto cheap insurance quot...
  • Make Your Health Insurance Plan Work For You  By : Carl Graeber
    No matter how avidly you take care of your health, there are unexpected circumstances that can land you a day or two in the hospital. If you are not prepared and you do not have enough health insurance coverage, this can cut a great deal with your savings. Thus, it is very important that you choose the best health insurance plan that can help you in case of an emergency.

    First, check out all the health insurance options that you have. Consider your family’s health needs a...
  • Making Sense Of The Terms And Conditions Of Redundancy Insurance  By :
    Redundancy insurance is undoubtedly one of the least known insurance products out there. It is designed to help people who have lost their job as a result of their employer relocating, going out of business, cutting costs and thus staff, and even selling out to a larger company. However, judging by the amount of individuals being made redundant at the moment, redundancy insurance may well be one of the most valuable insurance products around because very few individuals have ...
  • Navigating Insurance For Students And Searching Out The Right Financial Solution For UK Parents  By : Mr Hanna
    Students are often portrayed as being lazy, indolent, or, perhaps most damningly of all: scruffy. But today’s students are often more active and involved than their parents, and they demand the rewards that come with this behaviour. Valuable pieces of equipment are de rigueur in many of the UK’s student halls; parents having lavished attention upon their offspring in the form of gifts, money and, increasingly, credit cards – cards immediately used to go out and purchase more ...
  • Pennsylvania Home Owner Insurance – Are Homeowner Rates Going Up?  By : Gavin Bloom
    There has been a noticeable change in homeowner rates in Pennsylvania. The natural disasters of recent years have caused some shortages in the necessary supplies and materials to repair homes. The homeowner rates in Pennsylvania are affected because there is a higher demand for these materials and so the rates have increased. The homeowner policy was at one time one of the most affordable insurance policies on the market. In fact, it may have been under priced.

    The increas...
  • Permanent Or Term Insurances?  By : Jim Thio
    There are many insurance companies in the world giving their life insurance quote.

    It's pretty difficult to pick which one is the best. What should you do? One strategy that'll work is to keep switching insurance companies. Any company will make more money by selling to people who are more price sensitive.

    A person needing an insurance may be willing to pay high. A person who keeps switching insurance shows that he is price sensitive and hence, he will get a lower pric...
  • Pet Insurance. Warning: A Visit To Your Vet Can Severely Damage Your Wealth.  By : Michael Challiner
    The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year, will be honest and loyal. They also aren't much concerned about wealth. This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, they're leaving themselves exposed to enormous veterinary bills.

    The average cost of treating a dog following a road accident is £379 and th...
  • Picking The Right Insurance Program  By : Jim Thio
    Most aspects of capitalism is win-win. If employers make a lot of money from workers due to increase of workers productivity, those employers will hire as many workers as possible -- increasing workers' salary.

    Hence, in most aspects of capitalism, people try to profit from others in any way they can.

    However, not all aspects are win-win. If same shops sell the same product at a different price, of course, you'll pick the cheaper package. In this case, picking a package...
  • Professional Indemnity – Call Yourself And Expert? You’d Better Be…  By : Darryl Walters
    In business, information can be the most valuable product of all. It can also be the most costly. In a society of enthusiastic litigants, anyone professing to be an expert had better be able to prove it if intending to peddle the fruit of that expertise.

    Realistically, though, even experts can make mistakes, which is why Professional Indemnity insurance is so important. Professional Indemnity insurance covers the experts when they “get it wrong”. After all, inaccurate info...
  • Public Liability – Whose Fault Is It Anyway?  By : Darryl Walters
    Have you ever walked past a footpath where the concrete has lifted or watched several people walk around a spill on the supermarket floor? Ever found yourself saying, “Now there’s an accident waiting to happen.”

    When a member of the public suffers an injury or loss due to the negligence of another party, that party is liable for that injury or loss. Hence the term, Public Liability. Public Liability insurance is a must for all businesses, large and small to safeguard the p...
  • Purchase Protection  By : Debbie Dragon
    Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce, creditors are attempting many different strategies in order to gain and retain loyal customers. Purchase protection insurance is one of the benefits a credit card company may offer that their leading competitor does not- in an effort to gain new customers and keep customers from "goin...
  • Reliable Life Insurance Company – Which Companies Are The Best?  By : Gavin Bloom
    The life insurance industry is a carefully regulated industry. Every state has its own insurance department to monitor the activity of insurers. You very rarely hear of life insurance companies that dissolve because of financial problems. Insurance companies have to prove financial strength to operate in most states. Insurance commissioners have the authority to approve or deny rate changes. There are consumer guides that are available to help you compare companies. The AM Be...
  • Renters Insurance - How Much Coverage Do You Need?  By : Larry A. Johnson
    Do you have enough renters insurance protection for your needs? If you think your landlord carries enough to cover your valuables you may want to think again.

    If you are renting a home or an apartment it is wise to purchase renters insurance. Some renters mistakenly believe that the property, home or apartment owner has enough insurance to cover their belongings in the event of damage or robbery. But in reality it is very possible that the renter will not have their valuab...
  • Save Big Money On Your Car Insurance - Now!  By : John Francis Amberden
    What if I could save you 10-20% of your yearly automobile insurance which can literally be hundreds of dollars? Very few people shop car insurance companies, yet we price shop in grocery and department stores every day.

    It is not that difficult. Do a little research (5 – 10 minutes) on the type coverage you have and I will help take you forward. I have no real secret here for some of you; BUT, make yourself do the following:

    1. Get online and on the phone and get at lea...
  • Self Insure Yourself And Save Money  By : Jason Cox
    The reason we purchase insurance is to protect the valuable things in our homes in case an unforeseen disaster occurs. Some people may not take as much time as they should when thinking about purchasing insurance on their homes or cars. They might just go ahead and get it without much knowledge or thought. This is a big decision so you should put some thought and effort into this.

    One of the ways that can save you a lot of money is if you buy self insurance. If you famili...
  • Staying Prepared With Unemployment Insurance  By : Joseph Kenny
    Unemployment insurance is intended to be a social insurance program that provides temporary benefits to unemployed workers, and imposes payroll taxes on covered employers. It was created in response to the Great Depression, when millions lost their jobs. It was legalized in 1935 as a part of the Social Security Act.

    Benefits of Unemployement Insurance:

    Unemployment insurance replaces a part of your income when you lose your job, for no fault of your own. If your employe...
  • Stop Selling Insurance!  By : Michael J. Beck
    Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them is, “If you’re in the business of selling insurance you’ll have a hard time succeeding because NO ONE WANTS TO BUY INSURANCE!”

    No one wants to buy insurance. Not homeowner’s, auto, life, health or disability… They only want what the insurance provides. They only want the benefit. Beli...
  • Tell The Truth With Life And Critical Illness Insurance  By : Michael Challiner
    Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder.

    Ms W had to have an operation to eradicate cancerous lymph nodes from her groin, and imme...
  • Term Life Insurance Rates - The More You Know The More You Save  By : Jessica Farrell
    If you’re in the market for a term life insurance policy, here are a few money saving tips to help you keep the premiums down.

    1. Buy when you are young healthy: Life insurance rates, although they contain fees, and a myriad of expenses, are primarily based upon the statistical chances of a person dying in a given year. Insurance companies use their own experience plus the statistical information collected by the government. The statistics are used to calculate the yearly ...
  • Term vs. Whole Life Insurance - Which Is Best For You?  By : Jessica Farrell
    If you are looking into purchasing life insurance, you have probably heard about both term life insurance and whole life insurance. Before you decide on one or the other based on what you have heard or what your insurance agent tells you, you need to understand the meanings of “term” and “whole,” and familiarize yourself pros and cons of each one (and how these pros and cons will affect you).

    First, we have term life insurance. It covers its policyholders for a certain am...
  • The Insurance Agent’s Guide To Success  By : MostChoice
    The successful insurance agent always stays informed on how he or she can improve themselves both personally and professionally. In these days of fast paced lifestyles and the quickly disappearing face-to-face communication styles of doing business, the professional has to adapt. First, your personal good health is an important component to the success of your business. Second, I’ll present some proven business and customer satisfaction strategies that will guarantee you a th...
  • The Salvage Truth - Boat Insurance Buying Tips  By : Rodney Sawyer
    The water may be your element. You may find the sea quite stirring yet in here you find your own serenity. Yes, the mere sight of the vast sea may stir in you quite a number of various emotional responses. Not a few of people from all walks of life are motivated to build their dream houses near the beach where an overlooking view of the sea is possible. Of course, there are also those who truly enjoy riding on a boat. Some would even resort to buying and owning their own craf...
  • The Top Five Home Owner Insurance FAQ  By : Jessica Farrell
    Whether you are a new home owner, or have owned your home for a longer period of time, there’s no doubt you have many questions about home owner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about home owner insurance.

    1. As a home owner, am I required to have insurance? Yes, in most cases, especially if you have a lender. It’s also wise to look into insurance if you are in the process o...
  • The Tough Task Of Being A Life Insurance Agent  By : Gray Rollins
    Life insurance agents have a very challenging occupation. To be a life insurance agent, you must be able to combine the gentle and responsive nature of a friend with the cold and almost ruthless salesmanship of a hardened professional. The best life insurance agents are able to make this tough job look effortless, but making a good living in this field is more like a walk on a tightrope than like a walk in the park.

    Selling people life insurance seems innately difficult, ...
  • The Two Basic Kinds Of Life Insurance  By : Gray Rollins
    Life insurance offers every consumer a way to take care of loved ones for years to come, even if he or she won’t be around to put food on the table. The basic idea of life insurance is that during an insured person’s lifetime, he or she makes monthly payments to an insurance company. When the insured person passes away, the beneficiaries of his or her policy, usually immediate family members, make a claim and the insurance company writes them a check for the value of the poli...
  • Things To Know When Insuring Your Mobile Home  By : Jessica Farrell
    When shopping around for homeowners insurance for your mobile home, make sure you know what you're buying. Know what risks you are exposed to and how to cover them. Below are a few basic things to consider:

    Named peril or all risk (comprehensive): Homeowners policies may be purchased on a named peril basis. What that means is the policy will cover losses that occur as a result of the perils named on the policy. Some named perils are fire, lightening and ice/snow storm (...
  • Things To Look For When Choosing An Individual Health Insurance Company  By : Jessica Farrell
    There are a plethora of Health Insurance providers online, most offering fairly competitive policies at decent rates. The sheer amount of choice makes it confusing when you're trying to decide between companies, and if you don't know what to look for you may miss out on a good deal, or worse, be stung by hidden costs or not receive the cover you paid for.

    The first thing to look for when choosing an insurance company is to make sure that the terms and conditions are stated...
  • Travel Insurance Facts  By :
    Insurance taken out to cover the medical needs of the insured while traveling outside his/ her town of residence. While embarking upon a trip, it is important that one should be covered by travel insurance; however, while choosing a travel insurance policy, it is important to know the flavors available.
  • Travel Insurance. Also Get A European Health Insurance Card.  By : Michael Challiner
    Hands up all those who remember the old E111 medical forms you were supposed to have if you travelled in Europe? I can see all those blank faces!

    Well, great news is that it doesn't matter any more. The E111 form was replaced at the beginning of January 2006 by a new European Health Insurance Card (EHIC).

    This EHIC is valid for up to 5 years and entitles you to the same level of medical care in the country you're travelling in, as would be enjoyed by the residents of th...
  • Travel Pet Insurance  By : Joseph Kenny
    Recent changes to the UK’s quarantine laws mean that it is now possible for you to obtain a pet passport (under the government’s ‘passport for pets’ scheme) and take your family pet away with you on holiday. However, before you run off down to your local travel agent and book tickets for the whole family to that exotic seaside tropical location you have always wanted to visit but have to put off because everyone else at home didn’t want to leave Fido in the kennel, you might ...
  • UK Mortgage Insurance - Need for Mortgage Insurance  By : Nash
    Insurance is a great way to safeguard your self from the uncertainties in life. Mortgage Payment Protection Insurance is designed to protect you from getting into debt or missing the mortgage payments due to unemployment.
  • Veteran Universal Life Insurance – What Is It And What Are The Advantages?  By : Greg Haehl
    Veteran Universal Life Insurance is insurance that works for veterans to aid them in their post military endeavors. Universal life insurance means that you can vary or even suspend your premium payments depending on the financial pressures you face. Unlike typical life insurance, which pays out only on the demise of the policy holder, or at a nominated age, veteran universal life insurance is an investment scheme as well as life insurance.

    This means that you build up a ba...
  • Ways To Save From Car Insurance California  By : Robert Thatcher
    Buying California car insurance is expensive. But with a little trick and dedication, you can find the right car insurance California that is both cheap and provides good coverage.

    Here are the ways to save for your can insurance California:

    Research
    Check several sites that offer can insurance California. This is probably the best way to get the cheapest car insurance rate since each company follows its own rate. Make sure you know what type of coverage you are looki...
  • Whole Life Insurance Advice—Is It Better?  By : Jessica Farrell
    If you have decided that whole life insurance is the route you want to take, you need to be well-aware of both its pros and its cons.

    Whole life insurance covers you for your entire life, as opposed to term life insurance which only covers you for a certain number of years. However, with that additional coverage comes additional costs. Isn’t that the way things always happen? With whole life insurance, not only are you paying for the cost of the insurance, but you are also...
  • Why Do Health Insurance Rates Go Up?  By : Gray Rollins
    If you pay attention to your own personal health insurance rates, you are likely to notice that over a period of time they are quite likely to go up. Most people are aware of the fact that health insurance premiums tend to increase over time, and these jumps in cost can present quite a financial strain for somebody who is on a tight budget. In order to be able to best anticipate when your rates will go up in the future, it is a good idea to spend some time learning about how ...
  • Worst Case Scenario: Will Your Home Buildings Insurance Cover You?  By : Joseph Kenny
    Nobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today, almost one-half of all homes in the UK would have inadequate home buildings insurance to cover the cost of repairs!

    Valuation of your home buildings insurance – is it being done correctly?

    Before you consider the value of your home, ask yours...

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