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Saturday, March 21, 2009
kanetix Insurance Shopping
Free Life Insurance quotes
Accuquote life Insurance
Quickly Compare Term Life Insurance Rates from Top Rated Companies
AccuQuote makes it possible for you to find the best values in term life insurance. How? By combining instant term life insurance quotes with the personal service of unbiased life insurance professionals that can answer your questions, identify important issues and make meaningful recommendations.
See how simple it is to estimate your term life rates by getting Quote online today. You may be able to find an affordable term life insurance policy and save up to 70%.
Request a FREE Term Life Insurance Quote Online - It's Easy
To get your free personalized term life insurance quote online, simply follow these easy steps:
- Fill out a quick questionnaire about your health and lifestyle and then click the "Get Quote" button.
- View your term life insurance quotes in order starting with the least expensive.
- If you want to apply for coverage, choose the term life insurance plan that makes sense to you and click "apply now", or call us at 800-442-9899 and we can answer your questions and complete the process for you.
In addition to the free term life insurance quotes, you'll also receive financial information and ratings of the insurance companies quoted.
Click here to get free life insurance quote from accuquote
For More Details Visit www.accuquote.com
Friday, March 6, 2009
Total Travel Insurance
About Travel Insurance
Travel Insurance protects your trip in case of a cancellation, travel delay or trip interruption. You can insure all of your prepaid, non-refundable trip costs including airfare, hotels, tour costs and even course fees. Travel insurance additionally includes other coverages such as emergency medical, evacuation, lost luggage coverages.Travel Insurance Products
We offer a wide range of travel insurance products from "Total Travel Protection" that includes trip cancellation, primary medical coverage and many other benefits to specialty products that protect only a portion of your trip. Specialty products protect only -- your airfare, provide life insurance in case of a flight accident or insure your rental car.Why buy travel insurance from Travel Guard ?
Why buy travel insurance from Travel Guard
With travel insurance through Travel Guard you'll have valuable coverage that travels with you and your family. We're America's leading provider of travel insurance plans and assistance programs and we're here to help you 24 hours a day, 7 days a week.
For More Details Visit www.travelguard.com
Insure Your Trip
InsureMyTrip.com
GET A FREE QUOTE FROM InsureMyTrip.com
To do a comparison or obtain pricing and policy information, start with our quotes page. For a general overview of the policies available, go to our products page.
InsureMyTrip.com is highly integrated with its partner insurance companies. As soon as your order is placed on our site, the insurance company databases are updated in real time and a confirmation email is sent to you outlining your coverages. The policy is sent to you directly from the insurance company immediately thereafter. This level of integration is not available anywhere else and has been paramount to our success.
Thank you for visiting. We hope you enjoy your stay.
"The best travel insurance booking engine in the industry" - Insurance Industry Executive
"Why would anyone go to 20 other travel insurance sites - when it's all right here?" - P.P., Miller Place, NY
To do a comparison or obtain pricing and policy information, start with our quotes page. For a general overview of the policies available, go to our products page.
InsureMyTrip.com is highly integrated with its partner insurance companies. As soon as your order is placed on our site, the insurance company databases are updated in real time and a confirmation email is sent to you outlining your coverages. The policy is sent to you directly from the insurance company immediately thereafter. This level of integration is not available anywhere else and has been paramount to our success.
Thank you for visiting. We hope you enjoy your stay.
"The best travel insurance booking engine in the industry" - Insurance Industry Executive
"Why would anyone go to 20 other travel insurance sites - when it's all right here?" - P.P., Miller Place, NY
For More Details Visit www.insuremytrip.com
Free Travel Insurance Quotation
Free Travel Insurance Quotation
GET A FREE TRAVEL INSURANCE QUOTATION
The AA Travel Insurance team are here to give you a great deal on your travel insurance.
Our annual travel insurance is great value if you are travelling more than twice a year, providing cover for an unlimited number of trips abroad in one year. Alternatively, if you are looking for cover for a specific holiday our single trip travel insurance provides comprehensive cover at a great price.
Quick, Easy & Secure
You can get a quote in seconds and then buy online through our secure website in just a few minutes. Your travel insurance cover can start immediately and you will receive all your documentation by email within seconds of buying your policy. If you need any assistance or would simply prefer to talk to someone, please call us on 0845 092 0606, our call agents are available 7 days a week.
Benefits of AA Travel Insurance:
a day, 365 days a year
* Children aged 0-17 are insured free of charge on single trip policies when travelling with an insured parent or guardian living at the same address.
** Annual cover from £34, based on European cover for adults aged 18 to 64, excluding baggage & ski cover.
For More Details Visit www.aatravelinsurance.com
Thursday, January 22, 2009
Homeowners insurance?
What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Home insurance basics
Home insurance basics
When shopping for home insurance, there’s much more to consider than how much your coverage will cost.
You need to buy the right type of policy. You need the proper level of protection, plus special provisions for valuables such as jewelry, your computer equipment and other possessions. You might also need additional coverage for such things as earthquakes or flooding.
Lending institutions usually require mortgage customers to purchase homeowners insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage.
The terms of standard home insurance policies have been defined by the Insurance Services Office (ISO), so standard coverage is not going to vary from company to company, although rates will. There are three primary types of situations that enable a homeowner or renter to be eligible for a policy:
Owner-occupants of private homes: Individuals and families who own the private home in which they reside.
Tenants of residential premises: People who rent or lease the premises where they reside.
Owners and owner-occupants of residential condominium units: Individuals and families who own private condominium units used for residential purposes.
Homeowners policies can also provide limited property coverage for incidental occupancy, which is the use of the residential premises for purposes not residential (such as a home office or studio). This can be done only as long as two requirements are met: the premise must be occupied principally as a dwelling, and the premise cannot be used for any business purpose other than the incidental occupancy.
For More Details Visit http://www.insure.com/
When shopping for home insurance, there’s much more to consider than how much your coverage will cost.
You need to buy the right type of policy. You need the proper level of protection, plus special provisions for valuables such as jewelry, your computer equipment and other possessions. You might also need additional coverage for such things as earthquakes or flooding.
Lending institutions usually require mortgage customers to purchase homeowners insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage.
The terms of standard home insurance policies have been defined by the Insurance Services Office (ISO), so standard coverage is not going to vary from company to company, although rates will. There are three primary types of situations that enable a homeowner or renter to be eligible for a policy:
Owner-occupants of private homes: Individuals and families who own the private home in which they reside.
Tenants of residential premises: People who rent or lease the premises where they reside.
Owners and owner-occupants of residential condominium units: Individuals and families who own private condominium units used for residential purposes.
Homeowners policies can also provide limited property coverage for incidental occupancy, which is the use of the residential premises for purposes not residential (such as a home office or studio). This can be done only as long as two requirements are met: the premise must be occupied principally as a dwelling, and the premise cannot be used for any business purpose other than the incidental occupancy.
For More Details Visit http://www.insure.com/
Insurance Tips for Homeowners
Insurance Tips for Homeowners
You've unpacked your things and settled into your new home. But have you thought about how this will affect your insurance needs? Buying a home involves more than just making sure you have homeowners insurance coverage. If you've recently purchased a home, here are some types of insurance that may be impacted by your recent move.
Homeowners insurance
If you have a mortgage, your lender probably required you to obtain some level of homeowners insurance coverage. However, you'll want to make sure that the amount of coverage that you have will adequately protect you for all possible losses. Homeowners policies set coverage limits for specific items (e.g., jewelry), so you may want to look into purchasing a separate endorsement or a floater if you feel that you need to increase your coverage. You also need to know if you have "replacement cost" coverage on your personal property and if you are covered for earthquake damage.
You've unpacked your things and settled into your new home. But have you thought about how this will affect your insurance needs? Buying a home involves more than just making sure you have homeowners insurance coverage. If you've recently purchased a home, here are some types of insurance that may be impacted by your recent move.
Homeowners insurance
If you have a mortgage, your lender probably required you to obtain some level of homeowners insurance coverage. However, you'll want to make sure that the amount of coverage that you have will adequately protect you for all possible losses. Homeowners policies set coverage limits for specific items (e.g., jewelry), so you may want to look into purchasing a separate endorsement or a floater if you feel that you need to increase your coverage. You also need to know if you have "replacement cost" coverage on your personal property and if you are covered for earthquake damage.
Home Insurance & Facts
Home Insurance
Helpful home insurance tips and facts are a click away. You can also choose from a variety of home insurance articles designed to keep you informed. Get home insurance facts now.
Insurance Facts
Buying a home is one of the single largest investments that most people ever make. If you need to protect that investment, your main line of defense is homeowners insurance.
Just the basics
Most standard homeowners insurance policies will provide coverage for damage to your home (and many of the items in your home) caused by:
Theft
Fire and lightning
Smoke
Frozen pipes
Ice and snow
Homeowners insurance also provides coverage for liability claims, medical payments to third parties, and legal costs if a lawsuit is brought against you. The most common amount of liability coverage included in a homeowners policy is $100,000, but you may need much more, depending on your circumstances.
What's not covered?
Read your homeowners insurance policy to find out exactly what is and is not covered. Do this before you suffer a loss, so you won't be surprised. Most insurers exclude damages caused by an act of war, nuclear accident, flood, earthquake, and terrorism, although you may be able to purchase special policies or endorsements that will cover these events.
A diamond is forever. Or is it?
Most homeowners insurance policies limit coverage for certain high-priced or hard-to-replace items. Additional endorsements or floaters will be necessary to protect items like engagement rings, watches, furs, antiques, and other valuables. You'll need to have each item appraised.
How much is enough?
Mortgage lenders require that borrowers purchase a minimum amount of homeowners insurance (typically equal to the appraised value or the purchase price of the home). But this is often not the amount of coverage you truly need. Instead, find out how much it would cost to rebuild your home, and consider insuring it for that amount.
You get what you pay for
Are you willing to pay more to have damaged personal property replaced? If so, consider purchasing replacement cost coverage with your homeowners insurance. When it comes to valuing property, insurers generally use one of two methods. The first, actual cash value, pays you an amount equal to the replacement value of the property, minus depreciation for the years you owned the item. The second, replacement cost, is more expensive, but it pays you the full value of the item today, so that you can replace the old item with a new one.
How deep are your pockets?
To save money, consider choosing a deductible of $250, $500, or even $1,000. In the event of a loss (e.g., water damage from a leaky roof), you'll be required to pay this amount out of your own pocket before your homeowners insurance takes over, but in the meantime, you'll save on premium charges.
Sound the alarm
Don't forget to tell your insurer if you have a home security system (e.g., fire, burglar, emergency). Most insurers offer discounts for such safety features. You may also qualify for a lower insurance premium if you live near a fire department or hydrant, own a newer home, own a home built out of fire-resistant materials, or get your auto insurance from the same company.
For More Details visit www.insurance.com
Helpful home insurance tips and facts are a click away. You can also choose from a variety of home insurance articles designed to keep you informed. Get home insurance facts now.
Insurance Facts
Buying a home is one of the single largest investments that most people ever make. If you need to protect that investment, your main line of defense is homeowners insurance.
Just the basics
Most standard homeowners insurance policies will provide coverage for damage to your home (and many of the items in your home) caused by:
Theft
Fire and lightning
Smoke
Frozen pipes
Ice and snow
Homeowners insurance also provides coverage for liability claims, medical payments to third parties, and legal costs if a lawsuit is brought against you. The most common amount of liability coverage included in a homeowners policy is $100,000, but you may need much more, depending on your circumstances.
What's not covered?
Read your homeowners insurance policy to find out exactly what is and is not covered. Do this before you suffer a loss, so you won't be surprised. Most insurers exclude damages caused by an act of war, nuclear accident, flood, earthquake, and terrorism, although you may be able to purchase special policies or endorsements that will cover these events.
A diamond is forever. Or is it?
Most homeowners insurance policies limit coverage for certain high-priced or hard-to-replace items. Additional endorsements or floaters will be necessary to protect items like engagement rings, watches, furs, antiques, and other valuables. You'll need to have each item appraised.
How much is enough?
Mortgage lenders require that borrowers purchase a minimum amount of homeowners insurance (typically equal to the appraised value or the purchase price of the home). But this is often not the amount of coverage you truly need. Instead, find out how much it would cost to rebuild your home, and consider insuring it for that amount.
You get what you pay for
Are you willing to pay more to have damaged personal property replaced? If so, consider purchasing replacement cost coverage with your homeowners insurance. When it comes to valuing property, insurers generally use one of two methods. The first, actual cash value, pays you an amount equal to the replacement value of the property, minus depreciation for the years you owned the item. The second, replacement cost, is more expensive, but it pays you the full value of the item today, so that you can replace the old item with a new one.
How deep are your pockets?
To save money, consider choosing a deductible of $250, $500, or even $1,000. In the event of a loss (e.g., water damage from a leaky roof), you'll be required to pay this amount out of your own pocket before your homeowners insurance takes over, but in the meantime, you'll save on premium charges.
Sound the alarm
Don't forget to tell your insurer if you have a home security system (e.g., fire, burglar, emergency). Most insurers offer discounts for such safety features. You may also qualify for a lower insurance premium if you live near a fire department or hydrant, own a newer home, own a home built out of fire-resistant materials, or get your auto insurance from the same company.
For More Details visit www.insurance.com
Save Money On Car Insurance
Save Money On Car Insurance
(NAPSI)-When it comes to car insurance, a little research + the right questions = money in your pocket.Rates can differ widely from company to company, so it pays to shop around. Independent insurance agents represent more than one insurance company, so they can compare multiple carriers and policies to find the one that's right for you. If you're a do-it-yourselfer, Web sites such as www.progressive.com will help you compare its rates with other insurers.In addition to shopping around, there are other steps you can take to lower your insurance rate:Is your policy up to date? If you've moved, gotten married or if it has been at least three years since your last driving violation, check with your insurance company. You may be eligible for a rate reduction.Is your coverage right for your car? Owners of older or inexpensive cars should consider dropping comprehensive and collision coverages. That can often save hundreds of dollars each year.Know before you buy. Before you buy a new car, research what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to insure.Do you carry excess coverage? Many auto insurers give you the option to add rental coverage to your policy, which pays for a rental car while your vehicle is being repaired. While conditions and costs vary from company to company, it may be unnecessary if you can find other transportation. Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive costs by 15 to 20 percent. Your agent can show you how raising your deductible can lower your premium.Do you qualify for any discounts? Ask your independent agent whether any of the carriers he or she represents offer reduced premiums for certain car features such as anti-lock brakes.Are your policies all "bundled" with the same company? This may not be best for you. Your independent agent is uniquely qualified to quote your policies with "best-in-class" carriers that offer specialized coverages and services. "Unbundling" your policies might save you a bundle.To learn more, talk to an independent insurance agent. You can find an agent at www.progressiveagent.com .
(NAPSI)-When it comes to car insurance, a little research + the right questions = money in your pocket.Rates can differ widely from company to company, so it pays to shop around. Independent insurance agents represent more than one insurance company, so they can compare multiple carriers and policies to find the one that's right for you. If you're a do-it-yourselfer, Web sites such as www.progressive.com will help you compare its rates with other insurers.In addition to shopping around, there are other steps you can take to lower your insurance rate:Is your policy up to date? If you've moved, gotten married or if it has been at least three years since your last driving violation, check with your insurance company. You may be eligible for a rate reduction.Is your coverage right for your car? Owners of older or inexpensive cars should consider dropping comprehensive and collision coverages. That can often save hundreds of dollars each year.Know before you buy. Before you buy a new car, research what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to insure.Do you carry excess coverage? Many auto insurers give you the option to add rental coverage to your policy, which pays for a rental car while your vehicle is being repaired. While conditions and costs vary from company to company, it may be unnecessary if you can find other transportation. Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive costs by 15 to 20 percent. Your agent can show you how raising your deductible can lower your premium.Do you qualify for any discounts? Ask your independent agent whether any of the carriers he or she represents offer reduced premiums for certain car features such as anti-lock brakes.Are your policies all "bundled" with the same company? This may not be best for you. Your independent agent is uniquely qualified to quote your policies with "best-in-class" carriers that offer specialized coverages and services. "Unbundling" your policies might save you a bundle.To learn more, talk to an independent insurance agent. You can find an agent at www.progressiveagent.com .
Best liability policy limits
Best liability policy limits
It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:
100,000 per person for bodily injury
300,000 per accident for bodily injury
100,000 per accident for property damage
Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping can cost over 100,000!
It is generally accepted among insurance agents that the state minimum policy limits are not enough. Most insurance professionals would agree for the average driver the best liability limits to have are 100/300/100. This means:
100,000 per person for bodily injury
300,000 per accident for bodily injury
100,000 per accident for property damage
Since in most areas medical treatment is in fairly the same range, the last limit, per accident for property damage, is the one you may want to take into account if you are not the average driver. If you live in an area where you feel that if there was an accident, that was your fault, and property damage may exceed 100,000, you may want to consider higher limits. Remember, property damage is the other person's car and any other property damaged during the accident if you are at fault. In some areas one's landscaping can cost over 100,000!
GMAC Auto Insurance
GMAC Auto Insurance
We believe there's more to auto insurance than coverages and claims. At GMAC Insurance, we start with experience – yours. We're guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive.
Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st.
We are committed to your complete satisfaction. And if you do need to make a claim, we'll handle it as quickly, professionally and gently as we can. We don't just want to “get” your business. We want to keep it.
GMAC Insurance. We're here when you need us. Count on it
For More Details Visit www.gmacinsurance.com/auto-insurance/default.asp
We believe there's more to auto insurance than coverages and claims. At GMAC Insurance, we start with experience – yours. We're guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive.
Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st.
We are committed to your complete satisfaction. And if you do need to make a claim, we'll handle it as quickly, professionally and gently as we can. We don't just want to “get” your business. We want to keep it.
GMAC Insurance. We're here when you need us. Count on it
For More Details Visit www.gmacinsurance.com/auto-insurance/default.asp
Auto Insurance Basics
Do You Know the Auto Insurance Basics?
You're a driver, so you know how crazy it gets on the road. Between distractions and the rush to get somewhere on time, accidents can and do happen. Fenders get bent, and sometimes people get hurt. Even if you're just parked in your driveway, a tree limb can crash through your windshield, or someone can steal your car. When the worst happens, auto insurance is there to protect you.
Why buy auto insurance?
Auto insurance can protect you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft, vandalism, or natural disasters.
All states require you to purchase at least a minimum amount of liability coverage. Other types of auto insurance coverage may be optional or required, depending on state regulations. If you have a car loan or lease, the lender will also generally require that you purchase coverage for the car itself.
Liability coverage
This is the state-mandated legal coverage you'll be required to have
Bodily injury liability:
Protects your assets if you are held liable for an auto accident in which other people are injured or killed.
Property damage liability:
Covers repairing or replacing the autos or other property of other people.
This coverage will also pay for the legal costs associated with defending you against lawsuits related to accidents. To adequately protect your assets, you probably want to purchase much more than the minimum amount of coverage required in your state.
Collision, comprehensive, uninsured and underinsured motorist, and medical payments coverages
Although these coverages are optional in most states, it often makes sense to purchase them, unless you can afford to pay for losses yourself.
Collision:
Pays to repair or replace your car if it's damaged in an accident.
Comprehensive:
Insures your car against damage caused by something other than an auto accident (e.g., theft, fire, flood, vandalism). It is also called other-than-collision.
Uninsured/underinsured motorist coverage:
Unless you live in a "no-fault" state (where your own insurance will cover your losses), this coverage insures you against certain losses caused by other drivers with little (underinsured) or no (uninsured) auto insurance. It can cover things like lost wages as well, and provides coverage to your passengers, and those listed on your policy while riding in other cars or as pedestrians.
Medical payments coverage or personal injury protection (PIP): Covers various medical and/or funeral expenses for you and your passengers, as well as those listed on your policy while riding in other cars or as pedestrians. (Learn more about: medical payments coverage and PIP coverage.)
Additional coverages
Most of these coverages are optional, relatively cheap, and provide a lot of protection, although they may not be helpful in all circumstances.
Gap coverage:
Pays the difference between the actual cash value of your car and the amount you owe on your loan or lease if your car is totaled in a covered accident. It is sometimes called loan/lease coverage.
Towing and labor or roadside assistance:
Towing and labor usually covers the cost to tow your car to a repair facility or make minor repairs after a covered accident. Roadside assistance usually covers towing, minor repairs, and fuel delivery, even if there was no accident.
Rental reimbursement:
Pays the cost of renting a replacement car if yours is not drivable due to a covered accident. Some auto insurance companies will send you a check for part of the allowed amount if you don't rent a replacement car.
And then the insurance company pays for everything, right?
That would be nice, but it's not always true. Here are some things you'll always need to cover yourself:
Deductibles:
The amount of money that you've agreed to pay out of your own pocket before your insurance coverage kicks in. You can have different deductibles for different coverages, and liability coverage never has a deductible.
Exclusions:
Events or situations your policy specifically omits from coverage, such as property damage or personal injury you intentionally cause, or damage to your own car due to mechanical failure or wear-and-tear.
Costs above policy limits:
Any expenses that exceed the caps on the dollar amounts of coverage you're entitled to receive under your policy.
Driving a good bargain
Many factors affect your auto insurance premium, including your age, the state in which you live, the make and model of your car, where your car is parked at night, and your driving record. Although you can't do much about some of these factors, here are some things you can do to help lower your premiums:
Increase your insurance deductible.
Eliminate optional coverages if you don't need them (e.g., rental reimbursement if you have other means of transportation).
Eliminate collision and comprehensive coverage if you drive an older car that wouldn't cost much to replace, and if you could afford to pay for repairs if necessary.
Ask about available discounts (e.g., low-mileage discounts, discounts for safety or antitheft devices) for your auto insurance (if applicable in your situation).
Avoid buying a vehicle prone to theft or expensive to repair.
Drive safely to establish a good driving record.
Maintain good credit.
Shop around
It's important to shop around for auto insurance coverage. Insurance premiums for the same coverage on the same car can vary widely among different insurers. A particularly good time to investigate your alternatives is when your current insurance policy is up for renewal, but you can shop and change policies at any time. Get quotes from several reputable companies, but don't let price be your only consideration. Make sure the coverage offered by each insurer meets your needs, and find out if the insurer has a solid financial strength rating.
You're a driver, so you know how crazy it gets on the road. Between distractions and the rush to get somewhere on time, accidents can and do happen. Fenders get bent, and sometimes people get hurt. Even if you're just parked in your driveway, a tree limb can crash through your windshield, or someone can steal your car. When the worst happens, auto insurance is there to protect you.
Why buy auto insurance?
Auto insurance can protect you against the financial risk associated with personal injuries and property damage caused by auto accidents, theft, vandalism, or natural disasters.
All states require you to purchase at least a minimum amount of liability coverage. Other types of auto insurance coverage may be optional or required, depending on state regulations. If you have a car loan or lease, the lender will also generally require that you purchase coverage for the car itself.
Liability coverage
This is the state-mandated legal coverage you'll be required to have
Bodily injury liability:
Protects your assets if you are held liable for an auto accident in which other people are injured or killed.
Property damage liability:
Covers repairing or replacing the autos or other property of other people.
This coverage will also pay for the legal costs associated with defending you against lawsuits related to accidents. To adequately protect your assets, you probably want to purchase much more than the minimum amount of coverage required in your state.
Collision, comprehensive, uninsured and underinsured motorist, and medical payments coverages
Although these coverages are optional in most states, it often makes sense to purchase them, unless you can afford to pay for losses yourself.
Collision:
Pays to repair or replace your car if it's damaged in an accident.
Comprehensive:
Insures your car against damage caused by something other than an auto accident (e.g., theft, fire, flood, vandalism). It is also called other-than-collision.
Uninsured/underinsured motorist coverage:
Unless you live in a "no-fault" state (where your own insurance will cover your losses), this coverage insures you against certain losses caused by other drivers with little (underinsured) or no (uninsured) auto insurance. It can cover things like lost wages as well, and provides coverage to your passengers, and those listed on your policy while riding in other cars or as pedestrians.
Medical payments coverage or personal injury protection (PIP): Covers various medical and/or funeral expenses for you and your passengers, as well as those listed on your policy while riding in other cars or as pedestrians. (Learn more about: medical payments coverage and PIP coverage.)
Additional coverages
Most of these coverages are optional, relatively cheap, and provide a lot of protection, although they may not be helpful in all circumstances.
Gap coverage:
Pays the difference between the actual cash value of your car and the amount you owe on your loan or lease if your car is totaled in a covered accident. It is sometimes called loan/lease coverage.
Towing and labor or roadside assistance:
Towing and labor usually covers the cost to tow your car to a repair facility or make minor repairs after a covered accident. Roadside assistance usually covers towing, minor repairs, and fuel delivery, even if there was no accident.
Rental reimbursement:
Pays the cost of renting a replacement car if yours is not drivable due to a covered accident. Some auto insurance companies will send you a check for part of the allowed amount if you don't rent a replacement car.
And then the insurance company pays for everything, right?
That would be nice, but it's not always true. Here are some things you'll always need to cover yourself:
Deductibles:
The amount of money that you've agreed to pay out of your own pocket before your insurance coverage kicks in. You can have different deductibles for different coverages, and liability coverage never has a deductible.
Exclusions:
Events or situations your policy specifically omits from coverage, such as property damage or personal injury you intentionally cause, or damage to your own car due to mechanical failure or wear-and-tear.
Costs above policy limits:
Any expenses that exceed the caps on the dollar amounts of coverage you're entitled to receive under your policy.
Driving a good bargain
Many factors affect your auto insurance premium, including your age, the state in which you live, the make and model of your car, where your car is parked at night, and your driving record. Although you can't do much about some of these factors, here are some things you can do to help lower your premiums:
Increase your insurance deductible.
Eliminate optional coverages if you don't need them (e.g., rental reimbursement if you have other means of transportation).
Eliminate collision and comprehensive coverage if you drive an older car that wouldn't cost much to replace, and if you could afford to pay for repairs if necessary.
Ask about available discounts (e.g., low-mileage discounts, discounts for safety or antitheft devices) for your auto insurance (if applicable in your situation).
Avoid buying a vehicle prone to theft or expensive to repair.
Drive safely to establish a good driving record.
Maintain good credit.
Shop around
It's important to shop around for auto insurance coverage. Insurance premiums for the same coverage on the same car can vary widely among different insurers. A particularly good time to investigate your alternatives is when your current insurance policy is up for renewal, but you can shop and change policies at any time. Get quotes from several reputable companies, but don't let price be your only consideration. Make sure the coverage offered by each insurer meets your needs, and find out if the insurer has a solid financial strength rating.
Auto Insurance
Auto Insurance
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
Life Insurance Costs
Life Insurance Costs
Are the costs worth it? Most say, "Yes it is!" Life Insurance Wiz Quotes: The Costs of Life Insurance Policies and Whether They're Right for You!
Consider The Total Cost Of Your Policy
Some policies appear to cost more, but may, in fact, be cheaper when you look at the total cost of the policy. For example, annual renewable policies increase your premiums every year and thus may appear to be more expensive than level term policies where the premiums never increase (although the initial premiums for a level term policy will be higher). But, in fact, level premium policies may involve higher costs over the policy's full term, and become particularly expensive when you try to renew your policy at the end of the term.
Quit Smoking Now!The facts prove it:
Tobacco users are twice as likely to die as non-tobacco users while they are insured. Insurance companies take this into account when they set their premium and cash benefits levels. You can save from 20% to 30% on premiums by quitting smoking. (*American Journal of Public Health, September 1995, Vol. 85 No. 9)
Standard Vs. Preferred Risk
Many insurance companies offer lower, preferred rates to people who appear to be in better health and live a lifestyle that promotes a healthy, accident-free life. If you're in this category, you may be able to get a much better deal on your life insurance. See "Understanding Standard and Preferred Risks" for more information.
First-To-Die PoliciesFirst-to-die permanent life insurance policies pay cash benefits regardless of which spouse dies first. Covering both spouses with one policy can be cheaper than buying two policies.
Consolidating Policies
If you have a number of small life insurance policies, you can save money by consolidating your policies into one larger policy that offers the same coverage.
Shop For A Better Deal Now
Are you getting the best deal on your life insurance? The only way to be sure is to shop around. But it is important that you do your shopping now while you are in good health, insurable and can qualify for a good rate. Remember, the longer you wait, the older you will be and the higher your rates may be. So, it's advisable to lock in your best rate now and stick with it!
For More Details www.lifeinsurancewiz.com
Are the costs worth it? Most say, "Yes it is!" Life Insurance Wiz Quotes: The Costs of Life Insurance Policies and Whether They're Right for You!
Consider The Total Cost Of Your Policy
Some policies appear to cost more, but may, in fact, be cheaper when you look at the total cost of the policy. For example, annual renewable policies increase your premiums every year and thus may appear to be more expensive than level term policies where the premiums never increase (although the initial premiums for a level term policy will be higher). But, in fact, level premium policies may involve higher costs over the policy's full term, and become particularly expensive when you try to renew your policy at the end of the term.
Quit Smoking Now!The facts prove it:
Tobacco users are twice as likely to die as non-tobacco users while they are insured. Insurance companies take this into account when they set their premium and cash benefits levels. You can save from 20% to 30% on premiums by quitting smoking. (*American Journal of Public Health, September 1995, Vol. 85 No. 9)
Standard Vs. Preferred Risk
Many insurance companies offer lower, preferred rates to people who appear to be in better health and live a lifestyle that promotes a healthy, accident-free life. If you're in this category, you may be able to get a much better deal on your life insurance. See "Understanding Standard and Preferred Risks" for more information.
First-To-Die PoliciesFirst-to-die permanent life insurance policies pay cash benefits regardless of which spouse dies first. Covering both spouses with one policy can be cheaper than buying two policies.
Consolidating Policies
If you have a number of small life insurance policies, you can save money by consolidating your policies into one larger policy that offers the same coverage.
Shop For A Better Deal Now
Are you getting the best deal on your life insurance? The only way to be sure is to shop around. But it is important that you do your shopping now while you are in good health, insurable and can qualify for a good rate. Remember, the longer you wait, the older you will be and the higher your rates may be. So, it's advisable to lock in your best rate now and stick with it!
For More Details www.lifeinsurancewiz.com
Life Insurance Company Ratings
Compare Life Insurance Company Ratings
Knowing how the company that you are working with for a life insurance policy is rated is one of the first steps in making sure that your policy will be there when you need it. Ratings as of 12/31/98
To See Ratings www.lifeinsurancewiz.com/LifeInsurance/coratings.htm
Knowing how the company that you are working with for a life insurance policy is rated is one of the first steps in making sure that your policy will be there when you need it. Ratings as of 12/31/98
To See Ratings www.lifeinsurancewiz.com/LifeInsurance/coratings.htm
Life Insurance Company Ratings
Compare Life Insurance Company Ratings
Knowing how the company that you are working with for a life insurance policy is rated is one of the first steps in making sure that your policy will be there when you need it. Ratings as of 12/31/98
To See Ratings www.lifeinsurancewiz.com/LifeInsurance/coratings.htm
Knowing how the company that you are working with for a life insurance policy is rated is one of the first steps in making sure that your policy will be there when you need it. Ratings as of 12/31/98
To See Ratings www.lifeinsurancewiz.com/LifeInsurance/coratings.htm
Life Insurance Risk Types
Life Insurance Risk Types
What type of risk are you?
Whether you know it or not, you are a "risk" in the eyes of insurance companies. If you are like most people — you're not an Olympic athlete but you don't have serious health problems — then you are probably what is called a "standard risk." Standard risk individuals qualify for an insurance company's standard rates. If you are in better than average health though, you could be a "preferred risk" and qualify for lower, preferred rates.
Can you change your rating from standard to preferred and get lower rates?
Yes and no. Some things about your health you can't change. But there are lifestyle choices you can make: quitting smoking, for example, or taking steps to lower your cholesterol or get your weight down so that you'll become a better risk and improve your rating. Each company has its own standards but, if you demonstrate improvements for a year or two, most will consider that evidence of permanent improvement and will consider you for preferred status.
Here are some of the factors insurance companies consider when categorizing someone as preferred risk. But keep in mind that definitions of standard and preferred risks vary from company to company.
No history of cardiovascular disease, stroke, diabetes, cancer or alcohol/drugs.
No family history of cardiovascular disease prior to age 60, for parents/siblings.
No flying as a private pilot, or in aviation for two years prior to applying for policy.
Having an average, untreated blood pressure that doesn't exceed 150/90.
Having a cholesterol level that doesn't exceed 260 (250 for tobacco users).
Having a cholesterol / HDL ratio that doesn't exceed 7 (6 for tobacco users).
Weight that doesn't exceed the copany's limits.
What type of risk are you?
Whether you know it or not, you are a "risk" in the eyes of insurance companies. If you are like most people — you're not an Olympic athlete but you don't have serious health problems — then you are probably what is called a "standard risk." Standard risk individuals qualify for an insurance company's standard rates. If you are in better than average health though, you could be a "preferred risk" and qualify for lower, preferred rates.
Can you change your rating from standard to preferred and get lower rates?
Yes and no. Some things about your health you can't change. But there are lifestyle choices you can make: quitting smoking, for example, or taking steps to lower your cholesterol or get your weight down so that you'll become a better risk and improve your rating. Each company has its own standards but, if you demonstrate improvements for a year or two, most will consider that evidence of permanent improvement and will consider you for preferred status.
Here are some of the factors insurance companies consider when categorizing someone as preferred risk. But keep in mind that definitions of standard and preferred risks vary from company to company.
No history of cardiovascular disease, stroke, diabetes, cancer or alcohol/drugs.
No family history of cardiovascular disease prior to age 60, for parents/siblings.
No flying as a private pilot, or in aviation for two years prior to applying for policy.
Having an average, untreated blood pressure that doesn't exceed 150/90.
Having a cholesterol level that doesn't exceed 260 (250 for tobacco users).
Having a cholesterol / HDL ratio that doesn't exceed 7 (6 for tobacco users).
Weight that doesn't exceed the copany's limits.
Basics of Life Insurance
Basics of Life Insurance
What Is Life Insurance?
Life Insurance offers a way to replace the loss of income that occurs when someone dies (usually the person who produces the majority of income in a family situation). It is a contract between you as the insured person and the company or "carrier" that is providing the insurance. If you die while the contract is in force, the insurance company pays a specified sum of money free of income tax — "cash benefits" — to the person or persons you name as beneficiaries.
A good life insurance program does more than just replace the loss of income that occurs if you die. It should also provide money to cover the new costs that arise after your death — funeral expenses, taxes, probate costs, the need for housekeepers and child care, and so on. And these cash benefits should provide for your family's future needs as well, including college education for your children and part or all of your spouse's retirement needs. In almost all cases, your beneficiary can use the cash benefits in the way he or she sees fit, without restriction.
Some types of life insurance — permanent life insurance policies — have a cash value that you can obtain by cashing out the policy or by borrowing against it. Though it can seem attractive, most financial experts agree that this feature should be seen as a secondary purpose of life insurance. Another type of insurance is term life insurance policies are available as well. To learn more click the respected link.
Do You Really Need Life Insurance?
If there is someone who would suffer economic hardship if you died, then the answer is yes... you need life insurance! Families with young children have a clear need for life insurance. If both spouses work, the loss of one income will cause the family immediate economic hardship and make it harder for them to realize future goals, such as paying for the children's' education. But even if one spouse works "inside the home" and doesn't bring in a formal income, his or her death will require the surviving spouse to hire child care, housekeepers and other professionals to help run the household - and that can be a significant new expense.
If you are married without children or single, then you may need life insurance to protect your partner or surviving family members against the costs associated with your death. Funeral expenses, probate and administrative fees, outstanding debts, special obligations to charities, and federal and state taxes are costs that all of us must consider. And, they can add up quickly. Unless you already have sufficient financial resources, your survivors will probably need life insurance to cover these expenses.
What Happens To Your Family If You Don't Have Enough Coverage?
Under any circumstances, the loss of a loved one is a traumatic experience. But, if your family is also left without sufficient money to meet basic living needs or prepare for future goals, they will have to cope with a financial crisis at the same time. Depending upon their current financial resources and ability to "get back on their feet" emotionally and financially, your family might be forced to move to a less desirable home or community, abandon education and career plans, reorder family priorities (such as the amount of time spent with the children) and, in general, cut back on the quality of life you have worked hard to achieve.
Your family might even be forced to go into debt simply to pay the expenses, like funeral costs, taxes, and medical bills, that result from your death. A moment's reflection will tell you that the lack of sufficient life insurance coverage when a loved one dies can have devastating consequences for a family...consequences that can last for years.
What Is Life Insurance?
Life Insurance offers a way to replace the loss of income that occurs when someone dies (usually the person who produces the majority of income in a family situation). It is a contract between you as the insured person and the company or "carrier" that is providing the insurance. If you die while the contract is in force, the insurance company pays a specified sum of money free of income tax — "cash benefits" — to the person or persons you name as beneficiaries.
A good life insurance program does more than just replace the loss of income that occurs if you die. It should also provide money to cover the new costs that arise after your death — funeral expenses, taxes, probate costs, the need for housekeepers and child care, and so on. And these cash benefits should provide for your family's future needs as well, including college education for your children and part or all of your spouse's retirement needs. In almost all cases, your beneficiary can use the cash benefits in the way he or she sees fit, without restriction.
Some types of life insurance — permanent life insurance policies — have a cash value that you can obtain by cashing out the policy or by borrowing against it. Though it can seem attractive, most financial experts agree that this feature should be seen as a secondary purpose of life insurance. Another type of insurance is term life insurance policies are available as well. To learn more click the respected link.
Do You Really Need Life Insurance?
If there is someone who would suffer economic hardship if you died, then the answer is yes... you need life insurance! Families with young children have a clear need for life insurance. If both spouses work, the loss of one income will cause the family immediate economic hardship and make it harder for them to realize future goals, such as paying for the children's' education. But even if one spouse works "inside the home" and doesn't bring in a formal income, his or her death will require the surviving spouse to hire child care, housekeepers and other professionals to help run the household - and that can be a significant new expense.
If you are married without children or single, then you may need life insurance to protect your partner or surviving family members against the costs associated with your death. Funeral expenses, probate and administrative fees, outstanding debts, special obligations to charities, and federal and state taxes are costs that all of us must consider. And, they can add up quickly. Unless you already have sufficient financial resources, your survivors will probably need life insurance to cover these expenses.
What Happens To Your Family If You Don't Have Enough Coverage?
Under any circumstances, the loss of a loved one is a traumatic experience. But, if your family is also left without sufficient money to meet basic living needs or prepare for future goals, they will have to cope with a financial crisis at the same time. Depending upon their current financial resources and ability to "get back on their feet" emotionally and financially, your family might be forced to move to a less desirable home or community, abandon education and career plans, reorder family priorities (such as the amount of time spent with the children) and, in general, cut back on the quality of life you have worked hard to achieve.
Your family might even be forced to go into debt simply to pay the expenses, like funeral costs, taxes, and medical bills, that result from your death. A moment's reflection will tell you that the lack of sufficient life insurance coverage when a loved one dies can have devastating consequences for a family...consequences that can last for years.
Best life Insurance
How can you get the best life insurance rates ?
Majority of people associate best life insurance rates with the cheapest rate possible but fact of the matter is that cheaper is not always the ideal option. When you are paying pretty low life insurance rate, there is a strong possibility that you will get an extremely low quality life insurance policy.
Majority of people associate best life insurance rates with the cheapest rate possible but fact of the matter is that cheaper is not always the ideal option. When you are paying pretty low life insurance rate, there is a strong possibility that you will get an extremely low quality life insurance policy.
Life insurance
Life insurance
Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.
The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.
Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.
The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.
Top 5 Health Insurance Plans
Top 5 Health Insurance Plans In America
Since competition in terms of health insurance is one the rise, it is no wonder that more and more forms of health insurance are being designed. Among these there are few that are popular and they are briefly described below:
Individual Insurance Ensuring a person individually is a common mode of insurance. This is a process through which one may be selective about what s/he wants in a plan. Accordingly, one’s required premium is calculated, and the insurance plan takes effect.
Group Insurance Another type of insurance is the group arrangement. Through this type of insurance, one is compelled to abide by what others are going for, and this is also dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis a group insurance can take place. In addition to these two forms of insurance, there are others.
PPO This is the Preferred Provider Organization. If a person has membership of this organization, they can be treated by doctors within the setup. This is because of the arrangement they have; it is such that when a member gets ill, they are treated by their own panel. Otherwise, one has to pay for treatment outside the network.
HMOThe Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members’ problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.
MSAThis is a Medical Savings Account that is also tax-advantaged. It is used for health insurance policy that has high premiums to be paid. Members have to save money in this account in order to pay for their medical bills, which include checkups, treatments, etc. The fact that tax does not apply to it, makes it a good strategy towards coping with high premiums in health insurance.
POSThis is a Point-of-Service Plan, which implements properties of the HMO and PPO plans. Through this arrangement, one has a more flexible deal. This means that a member of this plan can either go to any doctor in the network or go to one outside the network. The technicalities are a bit more detailed than this. However, generally this is the concept that allows flexibility.
Indemnity Plan This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.
The Provider This is the provision that one may get through insurance and is like the services provided through the Medicare program.
PCP This is Primary Care Physician, and it refers to the first provider that a member is associated with. This provider is responsible for making sure that all basic checks are made, and if there are further areas to check up on, the member has to be referred to a specialist.
General Coverage With Health & Life ProtectionThis form of insurance includes life coverage as well as health coverage. Hence, through this a person is almost completely covered.
Since competition in terms of health insurance is one the rise, it is no wonder that more and more forms of health insurance are being designed. Among these there are few that are popular and they are briefly described below:
Individual Insurance Ensuring a person individually is a common mode of insurance. This is a process through which one may be selective about what s/he wants in a plan. Accordingly, one’s required premium is calculated, and the insurance plan takes effect.
Group Insurance Another type of insurance is the group arrangement. Through this type of insurance, one is compelled to abide by what others are going for, and this is also dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis a group insurance can take place. In addition to these two forms of insurance, there are others.
PPO This is the Preferred Provider Organization. If a person has membership of this organization, they can be treated by doctors within the setup. This is because of the arrangement they have; it is such that when a member gets ill, they are treated by their own panel. Otherwise, one has to pay for treatment outside the network.
HMOThe Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members’ problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.
MSAThis is a Medical Savings Account that is also tax-advantaged. It is used for health insurance policy that has high premiums to be paid. Members have to save money in this account in order to pay for their medical bills, which include checkups, treatments, etc. The fact that tax does not apply to it, makes it a good strategy towards coping with high premiums in health insurance.
POSThis is a Point-of-Service Plan, which implements properties of the HMO and PPO plans. Through this arrangement, one has a more flexible deal. This means that a member of this plan can either go to any doctor in the network or go to one outside the network. The technicalities are a bit more detailed than this. However, generally this is the concept that allows flexibility.
Indemnity Plan This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.
The Provider This is the provision that one may get through insurance and is like the services provided through the Medicare program.
PCP This is Primary Care Physician, and it refers to the first provider that a member is associated with. This provider is responsible for making sure that all basic checks are made, and if there are further areas to check up on, the member has to be referred to a specialist.
General Coverage With Health & Life ProtectionThis form of insurance includes life coverage as well as health coverage. Hence, through this a person is almost completely covered.
Right Health Insurance
It Is Essential To Choose The Right Health Insurance Company
In order for one to have a secured life, there are particular things that need to be done. One of the first is getting the right health insurance which will help safeguard your finances and health if there is ever a medical emergency.
Having a healthy life style is not the only thing that one needs to consider, health insurance is essential because there are a number of unforeseen things that could happen.
Illness cannot be controlled, we can try to reduce them but we cannot control them and hence, health insurance should be a part of everyone's life. Though one may take great care of him or herself, there is always a chance of a person falling ill. This means that any type of ailment can befall a person; it may even be severe and last for a long period.
Types of illnesses that can take one by surprise include cancer. This type of illness is something that requires a great deal of consideration; it needs to be considered that it requires a great deal of expense treat, and those with out treatments do not have a chance of surviving. Thus, you should ensure that you have the right health insurance before any calamity strikes you.
Though one may not be able to prevent getting a disease, there is a lot more that s/he could do to prevent having slimmer chances of survival in case of disease. If a person gets him or herself insured, treatment can be taken care of.
Health Insurance Is The Best Precautionary Measure To Avoid Problems
Health insurance is a means of backing one self up in case of unforeseen circumstances. It is a method of providing funds for treating an illness that one could get unexpectedly.
A person single-handedly may not be able to take on the expenses of a serious ailment, and for this reason s/he would need help. The help that one can get is in the form of health insurance, but this requires input on a regular basis. This input is referred to as premium.
Premiums may vary by the amount one has to put in on a regular basis, and the amount is dependent on the level of coverage. The higher a person’s chances are of developing a serious ailment, the higher the premium would be. Also, the amount of coverage that one wants influences the premium and the length of insurance as well.
Considering the chances of a person developing a serious illness, it must be asserted that insurance companies need to assess a person’s condition before ensuring them. If they find out that a person has already gotten symptoms that are close to the early stages of cancer or any serious disease, the insurance company may reject the individual’s application.
If they do decide to insure a person in spite of their high chance of developing a serious illness that is costly to treat, they may insure the individual for a much smaller amount.
The chances a person then has of dealing with an ailment, should it develop, will be limited. This is due to the lack of funds. Appropriate medical attention that is required cannot be supplied, and for this reason a person may die.
Hence, it is advised that a person should get a medical checkup and insurance as early as possible before any disease develops. A person’s chances of survival are greater in this way, and even incase of minor illnesses one can cover a great deal of the cost.
It is better to be safe than sorry as is said, and so, getting health insurance at the earliest possible time is the best ting to do.
In order for one to have a secured life, there are particular things that need to be done. One of the first is getting the right health insurance which will help safeguard your finances and health if there is ever a medical emergency.
Having a healthy life style is not the only thing that one needs to consider, health insurance is essential because there are a number of unforeseen things that could happen.
Illness cannot be controlled, we can try to reduce them but we cannot control them and hence, health insurance should be a part of everyone's life. Though one may take great care of him or herself, there is always a chance of a person falling ill. This means that any type of ailment can befall a person; it may even be severe and last for a long period.
Types of illnesses that can take one by surprise include cancer. This type of illness is something that requires a great deal of consideration; it needs to be considered that it requires a great deal of expense treat, and those with out treatments do not have a chance of surviving. Thus, you should ensure that you have the right health insurance before any calamity strikes you.
Though one may not be able to prevent getting a disease, there is a lot more that s/he could do to prevent having slimmer chances of survival in case of disease. If a person gets him or herself insured, treatment can be taken care of.
Health Insurance Is The Best Precautionary Measure To Avoid Problems
Health insurance is a means of backing one self up in case of unforeseen circumstances. It is a method of providing funds for treating an illness that one could get unexpectedly.
A person single-handedly may not be able to take on the expenses of a serious ailment, and for this reason s/he would need help. The help that one can get is in the form of health insurance, but this requires input on a regular basis. This input is referred to as premium.
Premiums may vary by the amount one has to put in on a regular basis, and the amount is dependent on the level of coverage. The higher a person’s chances are of developing a serious ailment, the higher the premium would be. Also, the amount of coverage that one wants influences the premium and the length of insurance as well.
Considering the chances of a person developing a serious illness, it must be asserted that insurance companies need to assess a person’s condition before ensuring them. If they find out that a person has already gotten symptoms that are close to the early stages of cancer or any serious disease, the insurance company may reject the individual’s application.
If they do decide to insure a person in spite of their high chance of developing a serious illness that is costly to treat, they may insure the individual for a much smaller amount.
The chances a person then has of dealing with an ailment, should it develop, will be limited. This is due to the lack of funds. Appropriate medical attention that is required cannot be supplied, and for this reason a person may die.
Hence, it is advised that a person should get a medical checkup and insurance as early as possible before any disease develops. A person’s chances of survival are greater in this way, and even incase of minor illnesses one can cover a great deal of the cost.
It is better to be safe than sorry as is said, and so, getting health insurance at the earliest possible time is the best ting to do.
Right Health Insurance
It Is Essential To Choose The Right Health Insurance Company
In order for one to have a secured life, there are particular things that need to be done. One of the first is getting the right health insurance which will help safeguard your finances and health if there is ever a medical emergency.
Having a healthy life style is not the only thing that one needs to consider, health insurance is essential because there are a number of unforeseen things that could happen.
Illness cannot be controlled, we can try to reduce them but we cannot control them and hence, health insurance should be a part of everyone's life. Though one may take great care of him or herself, there is always a chance of a person falling ill. This means that any type of ailment can befall a person; it may even be severe and last for a long period.
Types of illnesses that can take one by surprise include cancer. This type of illness is something that requires a great deal of consideration; it needs to be considered that it requires a great deal of expense treat, and those with out treatments do not have a chance of surviving. Thus, you should ensure that you have the right health insurance before any calamity strikes you.
Though one may not be able to prevent getting a disease, there is a lot more that s/he could do to prevent having slimmer chances of survival in case of disease. If a person gets him or herself insured, treatment can be taken care of.
Health Insurance Is The Best Precautionary Measure To Avoid Problems
Health insurance is a means of backing one self up in case of unforeseen circumstances. It is a method of providing funds for treating an illness that one could get unexpectedly.
A person single-handedly may not be able to take on the expenses of a serious ailment, and for this reason s/he would need help. The help that one can get is in the form of health insurance, but this requires input on a regular basis. This input is referred to as premium.
Premiums may vary by the amount one has to put in on a regular basis, and the amount is dependent on the level of coverage. The higher a person’s chances are of developing a serious ailment, the higher the premium would be. Also, the amount of coverage that one wants influences the premium and the length of insurance as well.
Considering the chances of a person developing a serious illness, it must be asserted that insurance companies need to assess a person’s condition before ensuring them. If they find out that a person has already gotten symptoms that are close to the early stages of cancer or any serious disease, the insurance company may reject the individual’s application.
If they do decide to insure a person in spite of their high chance of developing a serious illness that is costly to treat, they may insure the individual for a much smaller amount.
The chances a person then has of dealing with an ailment, should it develop, will be limited. This is due to the lack of funds. Appropriate medical attention that is required cannot be supplied, and for this reason a person may die.
Hence, it is advised that a person should get a medical checkup and insurance as early as possible before any disease develops. A person’s chances of survival are greater in this way, and even incase of minor illnesses one can cover a great deal of the cost.
It is better to be safe than sorry as is said, and so, getting health insurance at the earliest possible time is the best ting to do.
In order for one to have a secured life, there are particular things that need to be done. One of the first is getting the right health insurance which will help safeguard your finances and health if there is ever a medical emergency.
Having a healthy life style is not the only thing that one needs to consider, health insurance is essential because there are a number of unforeseen things that could happen.
Illness cannot be controlled, we can try to reduce them but we cannot control them and hence, health insurance should be a part of everyone's life. Though one may take great care of him or herself, there is always a chance of a person falling ill. This means that any type of ailment can befall a person; it may even be severe and last for a long period.
Types of illnesses that can take one by surprise include cancer. This type of illness is something that requires a great deal of consideration; it needs to be considered that it requires a great deal of expense treat, and those with out treatments do not have a chance of surviving. Thus, you should ensure that you have the right health insurance before any calamity strikes you.
Though one may not be able to prevent getting a disease, there is a lot more that s/he could do to prevent having slimmer chances of survival in case of disease. If a person gets him or herself insured, treatment can be taken care of.
Health Insurance Is The Best Precautionary Measure To Avoid Problems
Health insurance is a means of backing one self up in case of unforeseen circumstances. It is a method of providing funds for treating an illness that one could get unexpectedly.
A person single-handedly may not be able to take on the expenses of a serious ailment, and for this reason s/he would need help. The help that one can get is in the form of health insurance, but this requires input on a regular basis. This input is referred to as premium.
Premiums may vary by the amount one has to put in on a regular basis, and the amount is dependent on the level of coverage. The higher a person’s chances are of developing a serious ailment, the higher the premium would be. Also, the amount of coverage that one wants influences the premium and the length of insurance as well.
Considering the chances of a person developing a serious illness, it must be asserted that insurance companies need to assess a person’s condition before ensuring them. If they find out that a person has already gotten symptoms that are close to the early stages of cancer or any serious disease, the insurance company may reject the individual’s application.
If they do decide to insure a person in spite of their high chance of developing a serious illness that is costly to treat, they may insure the individual for a much smaller amount.
The chances a person then has of dealing with an ailment, should it develop, will be limited. This is due to the lack of funds. Appropriate medical attention that is required cannot be supplied, and for this reason a person may die.
Hence, it is advised that a person should get a medical checkup and insurance as early as possible before any disease develops. A person’s chances of survival are greater in this way, and even incase of minor illnesses one can cover a great deal of the cost.
It is better to be safe than sorry as is said, and so, getting health insurance at the earliest possible time is the best ting to do.
Health Insurance Quotes
Some Health Insurance Quotes In Terms Of Pricing
Getting a health insurance policy is not a simple process as it appears to be. This is because of the fact that there are calculations to make, and these have to be carefully carried out. However, there are experts that do this, as this is a major part of their job. Calculations are important because everything pivots around it in the insurance business.
In view of the calculations that are required, it must be asserted that in order for one to even be interested in a health insurance policy, the firs thing is the cost that should satisfy the customer. If the cost of the plan is within a customer’s reach, there is every chance that s/he will go for it. This means that health insurance policy makers need to adjust and balance the costs in such a way that a person can afford a reasonably good plan and one that covers more diseases.
In a health insurance program, there are particular features such as deductibles that have to be taken into consideration against a premium. They work in inverse proportion, and this means that if one has to lower deductibles the premiums will rise. In addition to this, there are factors to focus on such as one’s state of health, age, etc. It is all these that contribute towards making a health insurance policy.
In such a policy, there are certain aspects that are influenced by age factors and others that are not. However, certain aspects may be affected by health conditions. This refers to the cost of check ups. It must be asserted that people with severe health conditions might need to pay more for health checkups than people who go for regular checkups under an insurance policy. The amount given out by the plan varies in this regard. Usually however, the amount is sufficient to cover at least 70-80% of the cost, which means it could even handle check ups that cost around $45 per visit.
Deductibles usually are around $2000 and $2500 for a health insurance plan that covers a fair amount of illnesses that one needs to be protected from.
Health Insurance Plans
Health insurance companies usually include annual checkups after the deductible, which means that one has to handle that without the plan. This amount comes to around $150. Deductibles do however cover emergency room visits, which may be around $ 500. On the average with deductibles that are around 200-2500, it must be asserted that when one does not utilize the features that come under the deductibles, they save a significant amount annually. The following is a breakup of the saving that one may have.
During the first year, if one does not have any hospital visits, the saving is around $1500 ($125 for each month in a year).
During the second year, if one does not have any hospital visits, the saving is around $3000.
During the third year, if one does not have any hospital visits, the saving is around $4500.
Ahead of the deductibles and the savings that one may have, it is worth taking a look at a typical PPO plan, which is below.
There are particular amounts allotted for particular areas.
$25 doctor office visits, exclusive of lab fees, which come under deductible.
Prescriptions are of $50 a year per person. When this is deductible then it works out to $25 for generic and $35 for a brand name.
In addition to this, there are other modes of expenditure in the plan. However, the plan varies in different areas in the country. For example, it would come to around:
$811 per month in Dade county$595 per month in Palm Beach county and$444 per month in the less populated areas in Florida
Getting a health insurance policy is not a simple process as it appears to be. This is because of the fact that there are calculations to make, and these have to be carefully carried out. However, there are experts that do this, as this is a major part of their job. Calculations are important because everything pivots around it in the insurance business.
In view of the calculations that are required, it must be asserted that in order for one to even be interested in a health insurance policy, the firs thing is the cost that should satisfy the customer. If the cost of the plan is within a customer’s reach, there is every chance that s/he will go for it. This means that health insurance policy makers need to adjust and balance the costs in such a way that a person can afford a reasonably good plan and one that covers more diseases.
In a health insurance program, there are particular features such as deductibles that have to be taken into consideration against a premium. They work in inverse proportion, and this means that if one has to lower deductibles the premiums will rise. In addition to this, there are factors to focus on such as one’s state of health, age, etc. It is all these that contribute towards making a health insurance policy.
In such a policy, there are certain aspects that are influenced by age factors and others that are not. However, certain aspects may be affected by health conditions. This refers to the cost of check ups. It must be asserted that people with severe health conditions might need to pay more for health checkups than people who go for regular checkups under an insurance policy. The amount given out by the plan varies in this regard. Usually however, the amount is sufficient to cover at least 70-80% of the cost, which means it could even handle check ups that cost around $45 per visit.
Deductibles usually are around $2000 and $2500 for a health insurance plan that covers a fair amount of illnesses that one needs to be protected from.
Health Insurance Plans
Health insurance companies usually include annual checkups after the deductible, which means that one has to handle that without the plan. This amount comes to around $150. Deductibles do however cover emergency room visits, which may be around $ 500. On the average with deductibles that are around 200-2500, it must be asserted that when one does not utilize the features that come under the deductibles, they save a significant amount annually. The following is a breakup of the saving that one may have.
During the first year, if one does not have any hospital visits, the saving is around $1500 ($125 for each month in a year).
During the second year, if one does not have any hospital visits, the saving is around $3000.
During the third year, if one does not have any hospital visits, the saving is around $4500.
Ahead of the deductibles and the savings that one may have, it is worth taking a look at a typical PPO plan, which is below.
There are particular amounts allotted for particular areas.
$25 doctor office visits, exclusive of lab fees, which come under deductible.
Prescriptions are of $50 a year per person. When this is deductible then it works out to $25 for generic and $35 for a brand name.
In addition to this, there are other modes of expenditure in the plan. However, the plan varies in different areas in the country. For example, it would come to around:
$811 per month in Dade county$595 per month in Palm Beach county and$444 per month in the less populated areas in Florida
Money Saving Tips For Private Health Insurance
Money Saving Tips When You Opt For Private Health Insurance
Private health insurance was never a cheap alternative and now the recent insurance studies indicate that health insurance premiums are at an all time high. Since hospitals whether private or government no longer accept patients without medical insurance, therefore it is imperative that you purchase for yourself a decent health insurance policy. In this article we offer you some useful and practical tips whereby you can easily opt for private health insurance.
Private health insurance was never a cheap alternative and now the recent insurance studies indicate that health insurance premiums are at an all time high. Since hospitals whether private or government no longer accept patients without medical insurance, therefore it is imperative that you purchase for yourself a decent health insurance policy. In this article we offer you some useful and practical tips whereby you can easily opt for private health insurance.
Low Cost Health Insurance
Advantages and Disadvantages
At the moment healthcare costs in the U.S are spiraling out of control. Health insurance premiums are going up and most people now cannot even afford basic health care insurance. Low cost health insurance is an affordable alternative to normal health insurance coverage.
So what exactly is low cost health insurance? Well, low cost health insurance is basically insurance available at a more affordable or low rate. Here the premium that you pay is a small amount. With low cost health insurance, you do not have to really worry about the medical bills that you will incur. The main aim of low cost health insurance coverage is to look after the health of yourself and your family in an inexpensive manner.
However there are some big disadvantages to low cost health insurance. This is because as you are paying lower premiums this means that you are getting less benefits and coverage.
So what is a good health insurance policy? A good health insurance policy contains several types of coverage. Basic insurance includes hospital, surgical, and physicians' expense. In addition, major medical coverage is necessary in case of an accident or illness. These may be purchased separately, but you will get more complete coverage if they are combined in a single policy.
Basic Coverage
At the moment healthcare costs in the U.S are spiraling out of control. Health insurance premiums are going up and most people now cannot even afford basic health care insurance. Low cost health insurance is an affordable alternative to normal health insurance coverage.
So what exactly is low cost health insurance? Well, low cost health insurance is basically insurance available at a more affordable or low rate. Here the premium that you pay is a small amount. With low cost health insurance, you do not have to really worry about the medical bills that you will incur. The main aim of low cost health insurance coverage is to look after the health of yourself and your family in an inexpensive manner.
However there are some big disadvantages to low cost health insurance. This is because as you are paying lower premiums this means that you are getting less benefits and coverage.
So what is a good health insurance policy? A good health insurance policy contains several types of coverage. Basic insurance includes hospital, surgical, and physicians' expense. In addition, major medical coverage is necessary in case of an accident or illness. These may be purchased separately, but you will get more complete coverage if they are combined in a single policy.
Basic Coverage
Hospital expense insurance pays for your room and board costs if you are hospitalized. Additionally this insurance typically covers other expenses, such as use of the operating room, x-rays, drugs, anesthesia, and laboratory charges.
Surgical Expense Insurance
Surgical expense insurance pays surgeons' fees and costs related to surgery. Related costs may include assistant surgeon fees, anesthesiologist fees, or operating room charges. Surgical expense benefits are generally paid according to a set schedule.
Physicians' Expense Insurance
Physicians' expense insurance pays for visits to a doctor's office or hospital visits. Usually, the health policy specifies a maximum number of visits per injury or illness.
Major Medical Insurance
Major medical insurance is designed to protect against major accidents or illness. It is usually a broad policy with high maximum benefits. Most major medical policies provide at least $250,000 of coverage. And although coverage can vary from one plan to plan, the following are included in most major medical policies:
Hospital services and supplies (medical and surgical)
Hospital room and board, including intensive and cardiac care
Physicians' services (diagnostic, medical, and surgical)
Nursing services
Other medical practitioners' services
Anesthesia and anesthesiologists' fees
Ambulance service
Laboratory and diagnostic tests, including x-rays
Radiology and other therapy
Blood and plasma
Oxygen
Dental treatment resulting from injury
Prescription drugs
Outpatient services
Convalescent nursing home care
Home health care
Purchase of prosthetic devices
Casts, splints, and crutches
However when people opt for low cost health care, they get very few of these benefits which can be detrimental to their health. And if they develop any fatal diseases such as cancer or AIDS their health insurance does not cover any expenses.
So while low cost health insurance is fine for some, it has plenty of disadvantages as well.
Health insurance
Health insurance and mortality
OBJECTIVE
To examine the relationship between lacking health insurance and the risk of subsequent mortality. DESIGN--Adults older than 25 years who reported they were uninsured or privately insured in the first National Health and Nutrition Examination Survey, a representative cohort of the US population, were followed prospectively from initial interview in 1971 through 1975 until 1987. PARTICIPANTS--Complete baseline and follow-up information was obtained on 4694 (91%) persons of the 5161 who reported not receiving publicly funded insurance at baseline. MAIN OUTCOME MEASURE--The relationship between insurance status and subsequent mortality was examined using Cox proportional hazards survival analysis. The analysis adjusted for gender, race, and baseline age, education, income, employment status, the presence of morbidity on examination, self-rated health, smoking status, leisure exercise, alcohol consumption, and obesity. The effects of interactions between insurance and all other baseline variables were also examined. RESULTS--By the end of the follow-up period, 9.6% of the insured and 18.4% of the uninsured had died. After adjustment for all other baseline variables, the hazard ratio for lacking insurance was 1.25 (95% confidence interval [CI], 1.00 to 1.55). The effect of insurance on mortality was comparable to that of education, income, and self-rated health. There were no statistically significant (P < .05) interactions. CONCLUSIONS--Lacking health insurance is associated with an increased risk of subsequent mortality, an effect that is evident in all sociodemographic health insurance and mortality groups examined. P. Franks, C. M. Clancy and M. R. Gold Department of Family Medicine, University of Rochester, NY.
OBJECTIVE
To examine the relationship between lacking health insurance and the risk of subsequent mortality. DESIGN--Adults older than 25 years who reported they were uninsured or privately insured in the first National Health and Nutrition Examination Survey, a representative cohort of the US population, were followed prospectively from initial interview in 1971 through 1975 until 1987. PARTICIPANTS--Complete baseline and follow-up information was obtained on 4694 (91%) persons of the 5161 who reported not receiving publicly funded insurance at baseline. MAIN OUTCOME MEASURE--The relationship between insurance status and subsequent mortality was examined using Cox proportional hazards survival analysis. The analysis adjusted for gender, race, and baseline age, education, income, employment status, the presence of morbidity on examination, self-rated health, smoking status, leisure exercise, alcohol consumption, and obesity. The effects of interactions between insurance and all other baseline variables were also examined. RESULTS--By the end of the follow-up period, 9.6% of the insured and 18.4% of the uninsured had died. After adjustment for all other baseline variables, the hazard ratio for lacking insurance was 1.25 (95% confidence interval [CI], 1.00 to 1.55). The effect of insurance on mortality was comparable to that of education, income, and self-rated health. There were no statistically significant (P < .05) interactions. CONCLUSIONS--Lacking health insurance is associated with an increased risk of subsequent mortality, an effect that is evident in all sociodemographic health insurance and mortality groups examined. P. Franks, C. M. Clancy and M. R. Gold Department of Family Medicine, University of Rochester, NY.
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