tag:blogger.com,1999:blog-60930037138206869662024-03-12T19:53:49.851-07:00Cheap Insurance RatesUnknownnoreply@blogger.comBlogger20125tag:blogger.com,1999:blog-6093003713820686966.post-66677253583437071242012-02-21T02:40:00.000-08:002012-02-21T02:40:44.898-08:00Most Common Reasons for Not Having Health Insurance in United States<div style="text-align: justify;"></div><div style="text-align: justify;"><link href="file:///C:%5CDOCUME%7E1%5CAdmin%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml" rel="File-List"></link><o:smarttagtype name="country-region" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:smarttagtype><o:smarttagtype name="place" namespaceuri="urn:schemas-microsoft-com:office:smarttags"></o:smarttagtype><style>
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There is an old saying “Health is wealth” which is hundred percent correct. Until you won’t be having good health you cant work and cant earn. As a healthy body bears a healthy mind and when mind will be healthy you will be able to asses the circumstances and can make wise decisions. That will have good impact on your financial life that depends on your health.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL-92D7IUbB2f9TjIg1NpHAYqW18TGaM7ceIj41xFfBl2tNkPSZ4OQNp2kS0bswET9E2HzUrI3NJtJsAoWktHcOIKRsMnnULu_w2LBDALPIuGh1i5lAq4Doz6J10A6e2a2okEgMAHN5Xg/s1600/Health+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL-92D7IUbB2f9TjIg1NpHAYqW18TGaM7ceIj41xFfBl2tNkPSZ4OQNp2kS0bswET9E2HzUrI3NJtJsAoWktHcOIKRsMnnULu_w2LBDALPIuGh1i5lAq4Doz6J10A6e2a2okEgMAHN5Xg/s320/Health+Insurance.jpg" width="320" /></a></div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">It’s better to have health insurance in order to coup any future health problems. Because those can put heavy burden o your pocket. But in <st1:place w:st="on"><st1:country-region w:st="on">United States</st1:country-region></st1:place> there are large numbers of people who are living without health insurance. These numbers are increasing day by day due of economic conditions.</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">There are several reasons that large number of people in <st1:place w:st="on"><st1:country-region w:st="on">United States</st1:country-region></st1:place> is not having health insurance.</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The reasons are:</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";"><span style="font-size: large;">1. High Monthly Premiums</span><o:p></o:p></span></h3><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">High monthly premiums are one of the most common reasons for not having health insurance in <st1:place w:st="on"><st1:country-region w:st="on">America</st1:country-region></st1:place>. People usually don’t opt to get health insurance in order to save money for their other expenses.<br />
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As the economy is going down and majority of people is facing debt problems. So that makes it hard for them to get the health insurance policy. </div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";"><span style="font-size: large;">2. Losing a Job</span><o:p></o:p></span></h3><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Second most common reason is losing the job. When people will lose their jobs it will become hard for them to pay high monthly premiums for health insurance. After losing a job a person always looks first to take care of basic needs. When there wont be enough monthly how a person will pay his/her health insurance monthly premiums.</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";"><span style="font-size: large;">3. Employers Don’t Offer Health Insurance</span><o:p></o:p></span></h3><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Though not all employers do that but there are many employers who don’t offer health insurance. Getting health insurance individually in order to secure the family regarding health matters is so much expensive. A low income worker cannot afford that if the employer is not offering the health insurance to its workers.</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";"><span style="font-size: large;">4. Young Adults</span><o:p></o:p></span></h3><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">There are large numbers of young adults who don’t have the health insurance policy. It’s because when they got adult they got out of the parents health insurance policy. Now they can’t get health insurance by themselves until they won’t get the well paying job!</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";"><span style="font-size: large;">Consequences of Not Health Insurance</span><o:p></o:p></span></h3><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Consequences of not having health insurance can be dreadful. Because people will not go to doctors when they will get sick and it can increase death rate in <st1:country-region w:st="on"><st1:place w:st="on">United States</st1:place></st1:country-region>. It’s because without health insurance it’s hard for people to afford doctors and medical treatment.</div><div style="text-align: justify;"></div><div style="text-align: justify;"></div><br />
<div style="text-align: justify;"></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Healthy nation means more progress and development. There should have to be some serious plan of action regarding health insurance. So the common people can get at least basic coverage.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-63209003660240305092012-01-29T06:44:00.000-08:002012-01-29T06:44:04.092-08:00Top 5 Insurance Companies of United States<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Insurance companies are having pretty much similar mechanism of providing different insurance policies all around the world. An insurance policy’s basic purpose is to protect your future losses whether those are in your business or in personal life! Business of insurance companies is to sell different type of insurance policies. The people who buy these policies after buying pay premiums and sign a contract. </div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">If any mishap happen to the client then it’s obligatory for the insurance company to provide the coverage.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">There are so many insurance providing companies in United States but we had compiled a list of top rated insurance providing companies in United States. This list is compiled according to the services which different insurance companies provide to their customers. It’s not on the basis of premium rates!</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Here are the top rated insurance companies of United States:</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman"; font-size: large;">1. The Hartford</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVjEucfNkPWEZ4T4L8_SgBqEhxQwa_Mi7vp4ZTkUkzCMIcsh7N8gZ5fDdRggN13S1Gk2azPSsa1qGLlu235TYv7rNEDwKi0DOvgzPcbmomfqVa8s83cmD3rdr8wZMvcWopdTOjhamjCaE/s1600/The+Hartford.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVjEucfNkPWEZ4T4L8_SgBqEhxQwa_Mi7vp4ZTkUkzCMIcsh7N8gZ5fDdRggN13S1Gk2azPSsa1qGLlu235TYv7rNEDwKi0DOvgzPcbmomfqVa8s83cmD3rdr8wZMvcWopdTOjhamjCaE/s320/The+Hartford.jpg" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The Hartford is an old insurance providing company with and excellent track record. This insurance providing company had maintained a very good financial standing through out its history. This is the reason that they provide excellent coverage to their clients. The insurance policies which this company offers are:</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><ul style="margin-top: 0in; text-align: justify;" type="disc"><li class="MsoNormal">Auto insurance</li>
<li class="MsoNormal">Property insurance</li>
<li class="MsoNormal">Identity theft insurance</li>
<li class="MsoNormal">Umbrella insurance</li>
</ul><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The Hartford had observed the biggest disasters like civil war, Chicago Fire, San Francisco Fire, Earthquake in the history of United States. It had settled all the claims in best manner. </div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman"; font-size: large;">2. Allstate</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjPUDVLEJv39ekfGEpdRbtOxEi3xmLVDvVGaTE_t9LKJPwGnV5eIDsjjvxulohC-5beiEx9E6l0eqWvb8YLOk07Sf5UdCo9pESCsa9ouy0CRC5aJorZUaAlN42p5vpxhdehWb4vArm07k/s1600/Allstate.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="229" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjPUDVLEJv39ekfGEpdRbtOxEi3xmLVDvVGaTE_t9LKJPwGnV5eIDsjjvxulohC-5beiEx9E6l0eqWvb8YLOk07Sf5UdCo9pESCsa9ouy0CRC5aJorZUaAlN42p5vpxhdehWb4vArm07k/s320/Allstate.jpg" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Though some controversial things about this company but still its rated as number two. There were some problems regarding company’s claim settlements and it was protested against. If you tend to purchase insurance policy from this company then read the terms & conditions of the policy carefully! This company wide range of insurance policies from auto, life, home insurance to commercial insurance.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman"; font-size: large;">3. MetLife</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVWCBt0UUgQxWAoNdFY5d84LVnzt9GbMDZAq-W0OXHAGgmK11F6oWg6XEa4kVgY0I9KYlgA-wKQCCeIOKndYsnkaZHDbFGng7nwXfNFyFI3WkE8Y1HdAP2xY2cfpnrwjeVmcR-9wXNZGs/s1600/MetLife.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="234" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVWCBt0UUgQxWAoNdFY5d84LVnzt9GbMDZAq-W0OXHAGgmK11F6oWg6XEa4kVgY0I9KYlgA-wKQCCeIOKndYsnkaZHDbFGng7nwXfNFyFI3WkE8Y1HdAP2xY2cfpnrwjeVmcR-9wXNZGs/s320/MetLife.JPG" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The most sensitive and risky insurance policies are life and health insurance. Because both are unpredictable and company who provide these is always doing a critical deal. But MetLife insurance providing company haves excellent track record regarding health and life insurance policies.<br />
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MetLife insurance company is doing insurance business worldwide. And its global presence and good financial position makes it one of the top insurance companies of United States.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman"; font-size: large;">4. GMAC Insurance</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvNZlooWaIVyUx_GUDYyKPz7hyW1C_hDlWm4c_844aEK68IzTJc0uJwrKc3kNCmFYyD6IbHKHvj3kJDZuv5YxxeTjm01BN8sLgUItNpiv_rtlz-teXXNTjfRTuWT4fof-yOXY64oWJABI/s1600/GMAC+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="142" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvNZlooWaIVyUx_GUDYyKPz7hyW1C_hDlWm4c_844aEK68IzTJc0uJwrKc3kNCmFYyD6IbHKHvj3kJDZuv5YxxeTjm01BN8sLgUItNpiv_rtlz-teXXNTjfRTuWT4fof-yOXY64oWJABI/s320/GMAC+Insurance.jpg" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">GMAC insurance company is one of the world’s oldest auto insurance companies. This company was started in 1939. This company haves the privilege to insure oldest cars of the world. GMAC insurance company is the perfect insurance company for your automobile. GMAC insurance company is top auto insurance company in United States.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman"; font-size: large;">5. State Farm Insurance</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzJ_jzn7TBJ5Z6UErMIrgtUMSJmi554LYjkBRV2PWqLoXxaKhyphenhyphen8BIdTIuIUGfHgphoD0AECJkgs6_vjvwkHS8unQj8ZaXnD6el-kw28al_0rI4fUKweWmYod_1E52dOhU_FkW2bEbU_ss/s1600/State+Farm+Insurance.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="308" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzJ_jzn7TBJ5Z6UErMIrgtUMSJmi554LYjkBRV2PWqLoXxaKhyphenhyphen8BIdTIuIUGfHgphoD0AECJkgs6_vjvwkHS8unQj8ZaXnD6el-kw28al_0rI4fUKweWmYod_1E52dOhU_FkW2bEbU_ss/s320/State+Farm+Insurance.JPG" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">State Farm Insurance Company is a top company in United States and also in Canada for providing property insurance policies. This company was established in 1922. If you are having large property then you will get so many great deals from this company. State Farm Insurance Company provides policies not only for disasters coverage but also for small property damages. They are having wide range of indemnity contracts that they provide to their clients.</div>Unknownnoreply@blogger.com5tag:blogger.com,1999:blog-6093003713820686966.post-34559022683867362502012-01-10T11:13:00.000-08:002012-01-10T11:13:35.957-08:00Auto Insurance Quotes<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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There are different automobile companies with different automobile insurance policies or quotes. Doing little research about different car companies, the prices of their different insurance cover and aspects of auto insurance covered, can save you a lot of money. Usually vehicle owners never bother to find quotes of different auto insurance companies and always choose the first vehicle protection policy which comes their way. If you do little search about vehicle insurance policies, you can find reduced premium rates, and this will save you hundreds of dollars annually.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDWv9qdPBeXPpzo3PUqwm8sihjRS6zatsxNiRvHGCFTWaI6o0j0-p7rvoOSZXdH8BFpkON2x3qktk9PuemdgnmjQVndP3IpMQcEip5JOv-Kr_SBr-zsgdoMu6YTl3cIbzuaqbjqoP5KOc/s1600/Quick+Vehicle+Insurance+Quotes.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDWv9qdPBeXPpzo3PUqwm8sihjRS6zatsxNiRvHGCFTWaI6o0j0-p7rvoOSZXdH8BFpkON2x3qktk9PuemdgnmjQVndP3IpMQcEip5JOv-Kr_SBr-zsgdoMu6YTl3cIbzuaqbjqoP5KOc/s320/Quick+Vehicle+Insurance+Quotes.jpg" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Insurance rates differ because of the amount of the risk a motorist is willing to cover and from one jurisdiction to another. Quick car quotes helps you to have general idea of what you are actually paying for and also you knows that how much a particular insurance policy comes to in total. The good way to compare insurance quotes is obtaining quick car protection quotes from different vehicle insurance companies, this help you to choose a suitable policy at a reduced and convenient price.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">You can do online search for insurance quotes there are lots of websites that provide quick coverage quotes and quote comparison services online. For that you will have to fill out a form which will be having some basic information about yourself, your car and driving experience. Mostly information required by the websites that offers car insurance quotes is your name, age, marital status, gender, driving experience, car model, value, age, mileage, accidents if any and the type of motor insurance cover which you are looking to take.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Its fast and easy to obtain quick insurance quotes. One thing more the websites which offer the car insurance quotes online are not necessarily auto insurance companies, but are affiliated to one. Online quick insurance quotes will help you to choose a suitable car insurance policy to adopt from a wide range of policies out there.</div>Unknownnoreply@blogger.com6tag:blogger.com,1999:blog-6093003713820686966.post-48926073322436345532012-01-08T11:42:00.000-08:002012-01-23T12:50:21.396-08:00Car Insurance for Minors<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Everyday many accidents occur in United States and in most of those accidents teenage drivers are involved. Car insurance under 21 year’s old driver basically provides financial protection. Teenagers are having worst driving record. It’s because they are young, enthusiast and immature. This thing makes it essential to have car insurance for your teenagers. Aside from that it’s your social responsibility also to get the car insurance for your teen kids.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7Dhf_Yu5HkXoX5gAaCHwEN7FidBEx1VfkehqOE-Ijfj6OUAS_HmuqJsGpSjoTyDS9D0zwkFBeuxPgKgczRiCK8dlawc0Y48L2MzolT3JHkbsNyoLukjEFBxhLZSRaDzEqagWWEPfkBM4/s1600/Car+Insurance+for+Minors.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7Dhf_Yu5HkXoX5gAaCHwEN7FidBEx1VfkehqOE-Ijfj6OUAS_HmuqJsGpSjoTyDS9D0zwkFBeuxPgKgczRiCK8dlawc0Y48L2MzolT3JHkbsNyoLukjEFBxhLZSRaDzEqagWWEPfkBM4/s320/Car+Insurance+for+Minors.JPG" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Different states are having different requirements for car insurance under 21 year’s old drivers. Most of states requirements for driving learner’s permit vary from ages 14 to 17. Exact age requirements you can easily check on your state’s Department of Motor Vehicles (DMV) websites. Some insurance companies provide insurance coverage for teenage drivers with learning permit but many don’t.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">There are various factors, which make car insurance for minors important. It gives coverage to your investment on the car. It will cover medical expenses if any accident happens and backs you up financially for any accident related court case. But always remember that it depends on the car insurance policy if it haves those insurance coverage options or not. So it’s important that you search about that before getting car insurance for your teenage kid.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Before going to shop auto insurance for your teenage kid you must know the minimum amount of insurance your state requires.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Usually auto insurance companies are having high teen boy rates insurance<b style="mso-bidi-font-weight: normal;">. </b>Reasons for high premiums for teenage car insurance are that they are high risk drivers. Teen boy rates insurance from 14 to 17 years of age, you will have to pay high premiums. But after 18 years of age it will start lowering down. It’s pretty hard to get cheap or discount insurance for minors. </div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">There are certain things that can get you discount insurance for your teen. If your car is registered on your name instead of your kid then you will get discount insurance. While if its registered on your teenage kid’s name then it will cost you high premiums. It will be best if you buy inexpensive car for your teenager. This will make it easy for you to get the cheap auto insurance. As in such condition, car insurance company will need you to have only liability coverage. You can also get the discount insurance for minors if you raise the deductible, which you will pay. Higher deductible will lower the premiums for car insurance under 21 year’s old drivers.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">There are various auto insurance companies who offer cheap auto insurance for good students. If your kid is good in studies and maintain good grades in school or college then you can get low-cost auto insurance for your teenager. </div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Car insurance for minors is having many benefits also; it provides you financial security in case of any accident. There is no doubt in that auto accidents always cost so much that it can bring your bank account down to zero. Even a minor accident costs in thousands, while paying for any physical or car damages to someone else or of your own. That’s where your auto insurance for teenager comes into play. It helps you to deal with such emergency situations.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">On whole car insurance for minors is expensive but it’s obligatory. Before you buy auto insurance for your kid do search about various insurance companies. Compare their quotes and also look for the hidden charges. You can do this online via internet and also by visiting insurance company offices. Ask your friends or family members who already got the car insurance for their teen kids. This will help you to get the financially suitable auto insurance for your kid.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">It’s your moral and legal responsibility to get the car insurance for your minors. As no one knows about the future, so it’s better to take precautionary measures before any mishap happen. It not only protects your kid and car but also protects the other drivers on road.</div>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-6093003713820686966.post-79740625267838214482011-12-10T13:56:00.000-08:002012-01-23T12:49:53.986-08:00ATE: After the Event Insurance<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Before choosing any kind of insurance policy for yourself, carefully review all its merits and demerits. This will save you from the later disputes. After the event insurance is helpful but you need to consider all the terms and policies that are associated with it.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDoDf7-iqlJeWBLPPDpprqoZid_XNuvdHItstGG12SKZKTgDRTyoUpGvkT5FSkRYM2T2KTWMa0O2hcwgpzWm__xM8RIyELUDnXwh4Y8j7KqMlgZ2ABMkX7wJOaqd6Bnu4EVWcpGaxZ1jk/s1600/ATE+or+After+the+Event+Insurance.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDoDf7-iqlJeWBLPPDpprqoZid_XNuvdHItstGG12SKZKTgDRTyoUpGvkT5FSkRYM2T2KTWMa0O2hcwgpzWm__xM8RIyELUDnXwh4Y8j7KqMlgZ2ABMkX7wJOaqd6Bnu4EVWcpGaxZ1jk/s1600/ATE+or+After+the+Event+Insurance.gif" /></a></div><div></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">ATE or after the event insurance protects the people who commits the crimes and are taken to the court proceedings. This is type of insurance is given such name because it is purchased after any event that somehow triggers litigation. There is another kind of insurance which is in contrast with it, BTE. It is before the event insurance that is purchased in order to get protection from the legal charges if the case is taken to the court. Before the insurance, is generally built in many insurance policies.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">After the Event Insurance Policy</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">If somebody had purchased this type of insurance and he or she is taken to the court for some reason, this helps him in a way that the insurance company writes an after the event insurance policy according to which the company is responsible for all the legal charges and court fees. In the case, if the client wins then his opponent party in some cases would have to pay the fees and other charges that at times also include the premium for ATE. In the either case, if the client loses, the company pays the fees and required charges on his behalf. Normally the premium for after the event insurance gets due after the conclusion of a particular case.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Premium</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Typically, the premium for after the event insurance is due after the conclusion of the legal case. The clients, who win the cases, don’t have to pay the cost of premium. The party who loses the cases submits these fees just like the legal charges. If a client loses, the insurance policy may include a clause which insures the premium, so the client will not have to pay it.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Guidance of Lawyer</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Attorneys generally ask their clients to purchase after the event insurance. It is because they are compensated even if they fail to win the case. If you are having a plan of purchasing this insurance, you must consult a lawyer. He will guide you and will give you the suggestions about the usage of this insurance. He will also tell you about its suitability and effectiveness after reviewing the scheme.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Insurance Policies</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">All the insurance policies don’t offer after the event insurance. They normally go for reviewing the case and scenario after issuing you this policy. They do it because they need to know about the risk factors which are involved in its issuance. They also write the insurance policies which are specific to the particular situations. Therefore, f you purchase after the event policy, carefully evaluate it if it is suitable for you or not. Also check its effectiveness and coverage regarding your case. Also, ask them about the handling of the premium.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">After the event insurance policy is helpful if we talk in general about it. But it is not needed by every person. It only benefits those who are somehow taken to the court. The attorneys also recommend their clients to purchase after the event insurance because even in the case of loss, the loss is compensated.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-64928838566189196612011-11-25T04:44:00.000-08:002012-01-23T12:49:30.955-08:00Who is an Insurance Broker?<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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An Insurance broker is a person who simultaneously deals with several insurance companies on behalf of his/ her clients. There main difference between an insurance broker and an insurance agent is that insurance broker does not work for insurance companies while the insurance agent works for insurance companies. The similarities are that both work for commission, prepare and negotiate insurance policies and settle the claims.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAeJXOTL6KX_eeJBg06kqX7Ipgtrix-za4MSP6UVxCvNmZM-mYBl0vMY2LllIGk6a5KmKT4U0jjm5qXF_U8mkwWNJh4zujM4oyJAXC7CNudbDkG_gKdXhuOmKJ-HCXhPRHo9yGhO3KeLg/s1600/Insurance+Broker.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAeJXOTL6KX_eeJBg06kqX7Ipgtrix-za4MSP6UVxCvNmZM-mYBl0vMY2LllIGk6a5KmKT4U0jjm5qXF_U8mkwWNJh4zujM4oyJAXC7CNudbDkG_gKdXhuOmKJ-HCXhPRHo9yGhO3KeLg/s320/Insurance+Broker.jpg" width="320" /></a></div><div></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Every businessman is well aware of importance of insurance to mitigate various business risks. A variety of insurance contracts with slight variations in their coverage and premiums are available in market. So it is not an easy job to select the right policy with right premium and sometimes on right time. To ease the process of selecting an insurance policy with right premium from right insurance company, the concept of an insurance broker emerged.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Insurance Broker</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">An insurance broker is an insurance consultant who at a time deals with various insurance companies and finds best insurance solutions for his/her client according to or near to his tailor made requirements. Normally he possesses the market knowledge of the existing policies the different insurance companies are currently offering. He/she maintains very close relationships with different insurance companies. Matches the requirements of his/her clients with the insurance policies and strikes the deal. The insurance broker off course, perform all these functions for brokerage or commission.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Insurance Brokers and Insurance Agents Compared</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The fundamental difference between the both, the insurance broker and the insurance agent is that the former is not associated with a specific insurance company, while the later is closely related and some times employed with the insurance company. The functions of both resemble in the sense that both tailor insurance policies, normally work on a commission and settle the claims.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Insurance Industry in United States</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Insurance brokerage industry is properly regulated in the United States. All the insurance agents are required to get licenses in almost all the states of United States. Majority of the states have bilateral agreements with each other under which the brokers registered with one state can be easily licensed with another state. There is an exception to this, the state of Hawaii. The registration of insurance broker laws in this state, require that all the licensed brokers must be resident to the state of Hawaii.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">To become a licensed insurance broker one has to pass an insurance exam. Although it is not mandatory for an insurance agent or an insurance broker to enroll for classes but it could be more beneficial. For professional grooming it is not mandatory for further improvement in qualification, however, managerial experience and additional educational carrier improves the carrier.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">As the industry is closely regulated, there could be tough competition amongst the small brokerage firms and the larger firms. This is because of restriction of any rebate or any sort of discounts on the policy prices of insurance companies.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The regularization of the industry invites specialization like auto, health, home, life and other types of insurance. For dealing in insurance of investment, special licenses are required by SEC (Securities and Exchange Commission).</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Research study shows brokers play important role in to help small businesses to find competitive health insurance. Brokers not only assist in insurance sales, but also they assist in employee enrollment and resolve benefit issues.</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-6093003713820686966.post-19685091818294550422011-11-18T11:37:00.000-08:002011-11-18T11:37:20.290-08:005 Steps to Get your Health Insurance License<div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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It is somewhat difficult to decide about getting the license by selling health insurance. Once you first decide for it, it really becomes difficult for you to figure out how to apply for it, where to take the classes and things of this sort. In this article, we have described about the life and health insurance license, and the steps that would definitely help you out in getting started up with all this. All you need to do is, just follow them up in the sequence.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><span style="font-family: "Times New Roman";">1. First Priority</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9rkHX2HHWaPdAvT0mawyVVoPoKGdTZa7nZdcdxMGhzQEjCNbfGJDHk8ykfKfFvtJRu9z5J4m8H8lOneM013LBs-btISP8icSuJoTXRhl9jgoJgnA9w0BAJRGToIc9MXiMdQcr5vtHSy8/s1600/5+Steps+to+Get+your+Health+Insurance+License.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9rkHX2HHWaPdAvT0mawyVVoPoKGdTZa7nZdcdxMGhzQEjCNbfGJDHk8ykfKfFvtJRu9z5J4m8H8lOneM013LBs-btISP8icSuJoTXRhl9jgoJgnA9w0BAJRGToIc9MXiMdQcr5vtHSy8/s1600/5+Steps+to+Get+your+Health+Insurance+License.png" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Selling a license to health insurance is similar as selling a license to life insurance. If you are planned at selling other types of insurance that can be your property, casualty, or things of this sort, it requires a separate kind of training. It is a bit different. This type of license is known as “separate agent license”.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Most of the state laws are basic and similar. There is too much common in them. But you need to know about the specific rules and laws that your state has. It is also of extreme importance. For this purpose, a 40 hour class is held. If you attend that class, a completion certificate is given to you. This certificate grants you the access for taking the state licensing exam.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><span style="font-family: "Times New Roman";">2. Get Registered for Class</span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Normally, it is too difficult for the people to search for the classes. They don’t get to find how and where they have to go for taking their class. There is no proper guidance for these people. Therefore, it is suggested to the companies to have better marketing strategies. It would really become easier for the people then, to know about the classes and things of this sort.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><span style="font-family: "Times New Roman";">3. Be Punctual in Class</span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Be punctual. Always be on time. Never be late. You must manage your time. Financial industry has strict government regulation and thus the professors can punish the late comers and non serious people. Prior to the class it is extremely useful to do home assignments and reviewing. You can also bring your business cards in order to get socialized and make your social circle vaster. Make new friends there and know about other people who are studying with you. There is a variety of professions and life styles of the people who study with you there. It thus, also helps you in becoming social.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><span style="font-family: "Times New Roman";">4. Complete the Exam Properly</span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">A certificate of completion is given to those who complete the course properly. You have to attend the classes regularly and must be very attentive while taking them. This actually acts as a gatekeeper for taking the exam and getting your license. Some of the states also offer online schedule. This is much comparatively easier and simple to adopt. That’s up to you what you chose for yourself.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><span style="font-family: "Times New Roman";">5. Pass the Exam</span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">A score of at least 70% is required to pass the exam. Work hard to achieve this particular score because passing this is really important for you. Once you pass it, you are legally allowed for selling life and health insurance. This is the one of the important most steps.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-54568794454077412712011-11-12T05:11:00.000-08:002011-11-12T05:11:48.237-08:00Corporate Owned Life Insurance<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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The life insurance policies are generally for safeguarding the financial interest of a family, in case of death or their bread earner. However, you employer can also take these policies in your name. Your employer gets the return and also tax benefits against these policies. These policies are also a big source of income for insurance companies, so it’s not easy to eradicate this practice.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMXEqYy72nLvD5eogiisjs8O8Ru2D2flH1djT6zZvC8hGzZ8b5c5Dr9DQ6E9iiHJGUEXsRhIUbV0KtFUedAZnpwqJgOErn2gKQS4E1oIxSczkNuOqx9KQHPgtfhJrlVrqfNE1VLBe88Qo/s1600/Corporate+Owned+Life+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="233" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMXEqYy72nLvD5eogiisjs8O8Ru2D2flH1djT6zZvC8hGzZ8b5c5Dr9DQ6E9iiHJGUEXsRhIUbV0KtFUedAZnpwqJgOErn2gKQS4E1oIxSczkNuOqx9KQHPgtfhJrlVrqfNE1VLBe88Qo/s320/Corporate+Owned+Life+Insurance.jpg" width="320" /></a></div><div></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">By and large individuals buy insurance policies for the security of their loved ones that monetarily rely on them. It is certainly not easy to envisage this state of affairs, however, if the main source of income for a family expires; the family can come across a grave financial dilemma. If your family is dependent upon your earning, it is therefore, of vital importance to take life insurance policy.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">You may be aware of the fact, it is not mandatory that recipient of a policy should be an immediate family member. It is also not necessary that you must be the one to purchase insurance policy on your life. Your company can also do it.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Moral Values Related to Corporate-Owned Life Insurance</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The term COLI (Corporate-owned life assurance) is also known as ‘dead peasant life insurance’. It means that an organization takes a policy for his worker. This has also been highlighted in a movie, “Capitalism a Love Story”. The organizations are still maintaining this practice, though it has caused a fury not only amongst the members of family, but also in other individuals.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Capitalism a Love Story</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">In this movie, Michael Moore plays the role of a public prosecutor who has unearthed many cases of “dead peasant insurance” claims. These policies which are purchased to protect the financial interests of the families of expired employees- are actually for investment purposes (a racket). The companies that seize such policies take loan against these and also have tax relaxation. These ultimately enhance the profit of company, but not give any benefit to an expired worker.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">You must be thinking, how does it matter to you that you employer has bought a policy for you or not. It is true that a dead peasant policy will not cost you anything, but ethically it is wrong on account of certain grounds.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Zero Monetary Benefit to Your Family</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">With your death, your organization has nothing to lose; but certainly your family members will suffer a lot by not having your earnings anymore. Actually, they are the people who must be befitted with life insurance policy.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Infringement of Conviction</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">On ethical grounds, it is mandatory that the company must acquire formal approval of workers prior to purchasing life insurance policies for them. Still, many of the personnel and their families have no idea that their company seizes a policy on them.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Business over Your Dead Body</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">It is really a spine-chilling contemplation; is not it?</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">No Change is Anticipated in Dead Peasants Insurance Policies</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Despite all the above mentioned, still these type of policies have not been sacked. In this regard Internal Revenue Service (IRS) is taking some action and inspects those policies that seems fake to them. Nonetheless, a large number of big business concerns are still maintaining this practice. In fact the corporate owned life insurance policies make a lot of money for them. In this regard, note the following facts:</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The share of such policies comprise of twenty percent of the total life insurance plies sold on yearly basis.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">It is anticipated that such type of policies will offer the organizations more than $9 billion in terms of tax relaxation for the next five years.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">For purchasing these policies the business concerns pay $8 billion to insurance companies in a year. </div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The dead peasant life insurance is therefore, a huge source of income for the insurance companies. Until or unless, Govt. passes a decree against these policies, this practice will continue and your company may hold a policy on you. You must therefore, carefully go through the papers before signing these, so that consciously you don’t become part of this business.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6093003713820686966.post-61059672346672308652011-11-06T06:20:00.000-08:002012-01-23T12:48:49.329-08:0010 Simple Ways to Save On Renters Insurance<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Insurance Research Council survey in 2006 revealed that 96% of the people who own their own homes have a homeowner’s insurance policy, on other side the people who live in rented homes from them only 43% people have a renter’s insurance policy. Renters insurance is so much less expensive than homeowners insurance. Renter’s insurance policy only cost $16.26 per month and it is one of the greatest values on the insurance market today. But still there are many ways to make a renter’s insurance policy more affordable.</div><div></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Here are the 10 ways from which you can save on renters insurance:</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">1 – Make a Comparison of Renters Insurance Quotes</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5_YnsSz42nLF7TnVAV0qph1fidrIL34aul50SqikKFfX1GJPDmGGrUzCJ6cAC0PHufGdYQXQcK55qzrxokQuOno-LdUp3yVR9QPDHSgZ0w1qSAPmwBbH01qzT5bNsBdDr-8QVifosM4c/s1600/Renters+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5_YnsSz42nLF7TnVAV0qph1fidrIL34aul50SqikKFfX1GJPDmGGrUzCJ6cAC0PHufGdYQXQcK55qzrxokQuOno-LdUp3yVR9QPDHSgZ0w1qSAPmwBbH01qzT5bNsBdDr-8QVifosM4c/s1600/Renters+Insurance.jpg" /></a></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The best to find a affordable renters insurance policy is to compare their quotes and coverage. You can get renters insurance policy quotes online, compare them, and determine which is most suitable for you in terms of cost.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">2 – Higher Deductible Will Lower Your Renters Insurance Premium</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">A deductible is the amount, which you have to pay before the insurance provider will make payments on claim. It’s the rule, the more the deductible will be higher, the lower the premium will be. Its good for you to determine the deductible, renters insurance deductible usually start at $ 250 and go up from there.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">3 – Your Good Credit Rating Can Lower Renters Insurance Costs</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Good credit rating always counts a lot and its easiest way to lower insurance costs. Your good credit rating will show the insurance company that you pay your bills on time. From your credit rating insurance company will determine that you’re less risky to insure. Less risk leads to lower premiums.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">4 – Get Multi-Discounts by Buying Renters & Auto Policies from the Same Company</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Most of insurance companies offer multi-line discounts if you combine renters insurance with auto coverage. If you have both policies with same company then it will be convenient and will save you money also.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">5 – Safety and Security Devices Can Save You on Renters Insurance</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The preventive measures for potential losses and damage, because this is another way to save money on renters insurance. The installation of security devices makes it of fewer security risks and it leads you saving money on your renters insurance.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">6 – Lower Premiums for Non-Smokers</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">One of the leading causes of residential fires is smoking. That’s why insurance providers offer reduced premiums to non-smokers.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">7 – Senior Discounts on Renters Insurance</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">It’s proven by a research that retired individuals are less risky to insure. 55 years old or older renters can save up to 10% on their renters insurance.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">8 – Group Coverage Can Save On Renters Insurance</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">If your employer or association offers affordable group coverage then grab it. There are always discounts on group insurances.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">9 – You Can Have Lower Renters Premiums by Staying With the Insurer</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">There are many insurance companies who reward lower premiums to their loyal clients. This is an incentive given to their customers to keep them happy. So you can take advantage of such offers. There is a possibility that you can save up to 5% if you stay with same insurance company for three or five years. This discount can go up to 10% after the six-year mark.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">10 – Keep Check & Balance of Your Renters Insurance Policy Annually</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">After one year of having renters insurance policy you possibly will sell items in your possession or acquire new belongings. The annual review of your renters policy will enable you to adjust your coverage amounts, potentially saving you money.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Though renters insurance is not as expensive like home owners insurance but still you can find different ways to save.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6093003713820686966.post-83820026517181288302011-10-31T06:30:00.000-07:002011-10-31T06:30:48.657-07:00Companies Often Drop Health Insurance without Warning Employees<div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Health is most precious things than all. Health is wealth but wealth is also essential to have a good health. Medical assistance is not provided without any costs. A common person who works eight hours a day can hardly save any money for his medical costs. From last couple of years in this struggling economy common person had taken many blows. Now there is again one more and that’s elimination of health insurance without any notification by the employers.</div><div></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">Elimination of Health Insurance Benefits</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLOOTPrGPB-pq-a0TwJTvD_NErny2NRNOV1s9Ggkj5ONXmIxp3uTFnkBoeqODg6J2qVEQF4FeCUUxZ3pE4XpjMzKwGHhtu43Sv1_9nZoyqoekNxAp0S1Z7MNbG4B7k7QlWb5_rPA-0YmE/s1600/health+insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLOOTPrGPB-pq-a0TwJTvD_NErny2NRNOV1s9Ggkj5ONXmIxp3uTFnkBoeqODg6J2qVEQF4FeCUUxZ3pE4XpjMzKwGHhtu43Sv1_9nZoyqoekNxAp0S1Z7MNbG4B7k7QlWb5_rPA-0YmE/s1600/health+insurance.jpg" /></a></div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">There is new trend started in this struggling economy era and that’s employers are eliminating health benefits without informing their employees. The employees who already are suffering from this struggling economy became again victim of this unjust offense.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Though taking back health insurance benefits are an illegal maneuver in many states, but it’s not only happening, that’s on the rise also. There is a provision in the law that a company must have to give their workers 45 days notice if they are going to drop the coverage. </div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">But many workers found that their coverage has lapsed when they go to the doctor’s office. It’s just because many businesses don’t follow the law. </div><div style="text-align: justify;"></div><h3 style="text-align: justify;"><span style="font-family: "Times New Roman";">You Can Complain If Same Happened To You</span></h3><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">If any complaint will be filed in state’s insurance department then the employer will be given an opportunity to reinstate benefits and pay back the premiums to fill any gaps in coverage. If employer fails to cooperate then state will file a legal case against the company. The employees will be helped also by state insurance departments to understand their options for going forward.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">Here it will good to mention a high-profile case of an airline CEO. That CEO terminated health benefits for over 300 employees without notification. He was charged one count of willful failure to pay group health insurance premiums.</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div class="MsoNormal" style="text-align: justify;">The effect of health insurance removal will be worse on the employees. As already they are struggling to survive, this new maneuver can become a last nail to coffin. Lets lo and behold that what action government will take? Will it be good for common person or will benefit the employers? Best answer for this time will give; as the time will pass we get a clear view of this certain illegal offense.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-30169451331297125562011-10-28T06:09:00.000-07:002012-01-23T12:48:01.005-08:00Types of Infertility Insurance<div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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Fertility insurance has become very common. It even helps those couples who cannot afford expensive treatments. Fertility insurance is a type of health insurance. People are more inclined to have this insurance so that they don’t face any financial problem in case of any emergency treatment.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqs_v7rlXnWN7HjCCG_QT1AhnAOv3GidtVsGQ35sF77tGnH9HA3aE6r-fbZrHfh5T7lAAaOLcRujHXe89puXPnM8oLxRQVU0FPRwhFc2gUPwNe0HSVwYSCOsJVBowv19DznvZPE59rsZg/s1600/Infertility+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqs_v7rlXnWN7HjCCG_QT1AhnAOv3GidtVsGQ35sF77tGnH9HA3aE6r-fbZrHfh5T7lAAaOLcRujHXe89puXPnM8oLxRQVU0FPRwhFc2gUPwNe0HSVwYSCOsJVBowv19DznvZPE59rsZg/s1600/Infertility+Insurance.jpg" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">You should visit a fertility clinic if your partner and you are facing problems in fertility. Fertility treatments, i.e. fertility drugs, IUI, and IVF, can help you get pregnant. As these measurements and tests are very expensive that's why many couples cannot afford. It is now commonly proposed by many different insurance providers, but before utilizing these treatments check out if you are covered by infertility insurance.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><b>Infertility Insurance</b></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Infertility insurance is health insurance for the payment of infertility treatments. For every month insurance provider will give you health care planning that covers fertility treatment that consist of fertility test, artificial insemination and other types of assisted reproductive technology. Till a specific amount your infertility insurer will pay but if you have pass through infertility treatment. Infertility insurance is mandatory in certain states and throughout United States its available for private purchase.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><b>Reasons for Buying Infertility Insurance</b></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The health care costs are continuously rising, that’s why need for infertility insurance is increasing day by day. Common and popular types of insurance are health insurance, dental insurance, life insurance and insurance for pets. People usually get insurance so that they can have money in times of need. With respect to increase in fertility treatment demands, infertility insurance has also become common. Fertility insurance is being faced by six million or more Americans, which is now being used as a necessity than a luxury. Fertility insurance is expensive for many couples. Per month costing about $1,000 with fertility medications and ART procedures costing $4,000, many couples are not be able to afford it as it is very expensive. Fertility insurance also gives you the trick to get the treatments you need without going bankrupt.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><b>Infertility Insurance Types</b></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">There are three main types of infertility insurance.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><b><span style="color: black; font-family: Verdana;">Standard Health Insurance: </span></b>Standard health insurance requires that in return of fertility insurance you have to pay premium per month.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><b><span style="color: black; font-family: Verdana;">Refund Programs: </span></b>For refund programs one has to pay upfront for fertility treatments. In case, not having a baby you would be paid back between 70% and 100% of the money.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;"><b><span style="color: black; font-family: Verdana;">Financing: </span></b>For infertility purpose you can take out the loans, if unfortunately you do not have baby than you will not have to repay full loan.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><b>Eligibility for Infertility Insurance</b></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Fertility insurance is not for everyone. There are specific requirements that you have to face before approval of fertility insurance. To qualify for infertility insurance, couples who already have insurance policy must be:</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">Under the age of 40.</li>
</ul><div class="MsoNormal" style="text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">Struggling with fertility for a long period of time.</li>
</ul><div class="MsoNormal" style="text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="text-align: justify;">Holding policy for at-least one year.</li>
</ul><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Couples that are already not having insurance coverage and are recently going for investigations for such cases will not be able to get approved for fertility coverage. In such cases, it is better to check if your fertility clinic offers any refund and financing ways to their customers.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3><b>Laws for Fertility Insurance in Different States</b></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">According to the habitat, there are different laws for different places. Some states are having a law for employers who have more than 50 employees. It’s necessary for such employers to provide their employees health care coverage, which includes some type of infertility insurance. These states are:</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="1" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">New York</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="2" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">New Jersey</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="3" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Ohio</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="4" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Montana</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="5" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Massachusetts</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="6" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Arkansas</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="7" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">California</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="8" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">West Virginia</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="9" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Texas</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="10" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Connecticut</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="11" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Hawaii</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><ol start="12" style="margin-top: 0in;" type="1"><li class="MsoNormal" style="text-align: justify;">Illinois</li>
</ol><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">In all these above mentioned states it’s necessary for employers to provide fertility insurance to their employees. While in other states its not mandatory.<span style="font-size: 7.5pt;"></span></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6093003713820686966.post-82735296635055867432011-10-27T08:00:00.000-07:002012-01-23T12:47:31.468-08:00What You Must Know About Long Term Disability Insurance?<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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</script>According a general survey one person is having 25% of risk of getting disabled in his life during working years. I wonder why the disability insurance is not advertised in same way as life insurance. Many of us know about different life insurance policies. Only few know about the disability insurance policies.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYIzUsSVwVhFemkv5ezqTXmOkSZToTh5sUTSMKOlab5lg94bEskTXGsC5LCM0P5vk2giIJVzQ1qbhnfHbr5lj_xftwtuboGTPACheg6Yu8zSruCnUtEu8as7jL3lf0pGCp5jjxeb0r5zY/s1600/Disability+Insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" ida="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYIzUsSVwVhFemkv5ezqTXmOkSZToTh5sUTSMKOlab5lg94bEskTXGsC5LCM0P5vk2giIJVzQ1qbhnfHbr5lj_xftwtuboGTPACheg6Yu8zSruCnUtEu8as7jL3lf0pGCp5jjxeb0r5zY/s320/Disability+Insurance.png" width="320" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">In my opinion the people who are having working age must look for purchasing a disability policy as soon as possible. It’s best to secure the future.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Why it’s Necessary to Have a Disability Insurance?</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are many things which make it important to have disability insurance. Let’s say that you got injury or illness. In this case you may have to quit your job or take an extended leave of absence. If your illness prolonged or you got any permanent disability you will ran out of money within weeks or months, even with the best of emergency funds. In long illness or disability may be your employer allows you for an unpaid leave of absence while keeping your benefits. In this way your medical costs will be covered by the medical insurance but what about your living costs. How those will be covered? This is where disability insurance comes into play.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Most of younger age people think that they don’t need disability insurance. Because they think they don’t have any dependents so there is no need for that. While truth is that younger people need more disability insurance because they are having less savings and liquid assets. Those will not be sufficient in case of any disability or illness. </div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Though social security does provide limited disability benefits for covered workers but their definition of disability is quite strict, and one can hardly qualify that. Even after qualifying the amount you will get will be less than your actual income.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Types of Disability Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are two types of disability insurance policies:</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Short-Term Disability Insurance</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Long-Term Disability Insurance</div></li>
</ul><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">1 – Short-Term Disability Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Short-term disability policies are usually covered by the employers. This policy covers your expenses from 30 to 90 days. This type of policy is good for things like a planned surgery from which you will make a full recovery. But if you are having a good emergency fund, which cover at least 6 months of expenses, a short term disability policy is probably not necessary for you.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">2 – Long-Term Disability Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Long-term disability insurance is the one which gives you a hand for longer disability. As short term policy usually benefits you for 30 to 90 days, while long term policy goes a long way. This is the policy on which this article will emphasize. A little sacrifice of money today for long term disability insurance will help you on long run.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Things to Remember For Looking a Long-Term Disability Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">When you are looking for a Long-Term Disability Insurance then must see that it has following characteristics:</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">1 – Own Occupation</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Own occupation is the policy that will pay benefits even you cannot do your own. That’s why must see that the policy you are buying is “own occupation”. Let’s say you are a surgeon and now your hands wont work or you are a secretary and now you developed a condition which prevents sitting for long periods of time. In such conditions this policy pays you.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">2 - Benefit Amount</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">It’s best to look for such long-term disability insurance policy which at least cover your 80% of salary during the disability period. So never buy any policy which have fix dollar amount.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">3 – Benefit Period</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">The policy’s benefit’s period must be till age of 65 years. Though having a 5 years fix period results in lower premiums but it’s not a good option for someone in their 50s or younger.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">4 – Inflation Adjustments</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">To keep up the policy with inflation pay little extra so that benefit will be adjusted with the annual cost of living. For example, if you get disable for 30 years, and want to draw benefits for more 30 years, you will not like to receive the same dollar amount at the end of time.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">5 – Elimination Period</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Best elimination period is 60 to 90 days in which your emergency fund can cover you. But if you want to have lower premiums then you can have longer elimination period policy.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Purchasing Disability Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Generally employers are having both long and short-term disability insurance, and may even pay you one or both. For more information you can talk to your HR-director or benefits manager.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">In the case your employer is not offering you a policy or you want to buy an additional insurance for that get several quotes and purchase the best suitable policy. But before buying long-term disability insurance policy keep the above mentioned policy characteristics in mind.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Taxes on Disability Insurance Benefit</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There won’t be any taxes on your policy benefits if you pay your own premiums. If the premiums are paid by your employer then the benefits will be considered ordinary income. If you split the costs, the amount of taxes which you will pay will be equal to the proportion of the premiums that your employer paid.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-15186615851342159662011-10-25T09:23:00.000-07:002012-01-23T12:47:01.870-08:0020 Best Tips for an Affordable Auto Insurance Policy<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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</script>A policy is called affordable when its premiums are low and it’s easy for you to pay. So o have an affordable auto insurance policy there are two ways. First is that you lower the cost of your policy. Second is that get a new auto insurance policy, which offer lower premiums. Here I will talk about the both ways and also will tell you some tips that how you can take to lower your auto insurance.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Here are the tips:</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">1 – Make it sure that your policy is accurate</span></h3><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv_kUvHILR9dGbXOHnM8iLbIujStEC64dB6eHjSqOP90yg5d9WKyCQGtCpJ-dGRuqKHFuFcrBBVqi9r_KUbxh-dBW-2fGaGZSQ9pQYqgPZm-op1ESB-Lt3VZJtmEbKAq8rZYZ8YnYF4ro/s1600/Affordable+Auto+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" ida="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiv_kUvHILR9dGbXOHnM8iLbIujStEC64dB6eHjSqOP90yg5d9WKyCQGtCpJ-dGRuqKHFuFcrBBVqi9r_KUbxh-dBW-2fGaGZSQ9pQYqgPZm-op1ESB-Lt3VZJtmEbKAq8rZYZ8YnYF4ro/s320/Affordable+Auto+Insurance.jpg" width="320" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">The first and foremost thing is that you make sure that your current policy accurately reflects your situation. It means that your policy must be having all your vehicle information, such as age and make. Another important thing which you will have to see is that your yearly estimated mileage is properly stated. But if you commute very short then make sure that your policy reflects that for that vehicle.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">2 – Must Know about State Minimums</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Every state in <country-region w:st="on"><place w:st="on">United States</place></country-region> is having minimum set of auto insurance liability coverage requirements. You can find these at your state’s insurance commissioners website. The minimums are described about the bodily injury liability limits and property damage liability insurance. Be sure that you know the minimums, which you must have to maintain.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">3 – Be Well Informed About Financing Requirements</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">The financing companies are having additional requirements of their own for you to maintain in insurance coverage. By that your deductible will be affected, so be sure you know your required limit before you raise your deductible.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">4 – Raise Your Deductible</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you raise your deductible then remember you will be responsible for that amount if you get into an accident and it’s your fault. If you had already set up a nice emergency fund, you’ve already self-insured to a degree. That’s why raising your deductible is not a bad idea and as I know raising your deductible has the biggest impact on your auto insurance rates.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">5 – Consider Dropping Specific Coverage Items</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Every insurance policy is having different levels of coverage. Some are necessary, some are recommended, and some just aren’t needed for your situation. I won’t talk about all coverage types here, but will discuss main three and when you could consider lowering the coverage.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;"><b style="mso-bidi-font-weight: normal;">Liability: </b> This type of coverage pays to others, such as for personal injury, medical expenses, lost wages and property damage. The damage you do to their vehicle or property is paid through this. As it’s mentioned above most of states are having minimums, liability is one from that. This is baseline of insurance coverage. If you are having a nice car and only few assets to protect then you probably will get 100/300/100 level coverage. There is no way to economize in this area.<b style="mso-bidi-font-weight: normal;"></b></div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;"><b style="mso-bidi-font-weight: normal;">Collision: </b>This type of coverage pays for the damage to your car. If your car is worth of only a couple thousand then its best to drop this coverage, since you’ll only need a couple thousand to replace it.<b style="mso-bidi-font-weight: normal;"></b></div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;"><b style="mso-bidi-font-weight: normal;">Comprehensive: </b>This type of coverage is for any other type of damage to your vehicle, but anything other than an accident. For example, your vehicle is stolen or it’s damaged in a flood. Same like collision type considers here also that how much is your car worth.<b style="mso-bidi-font-weight: normal;"></b></div></li>
</ul><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">After meeting your requirements, take plenty of liability insurance and about collision and comprehensive factor in the value of your vehicle.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">6 – Drop Extras</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are many extras in insurance policies which you really don’t need. For example emergency road side assistance is extra, which I think is not really needed to pay for it on my policy. So discuss with your insurance agent and know about what extras you are paying for. Then evaluate which one’s you want to drop.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">7 – Consider Every Discount You Can</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Easiest way for this is to call your insurance company or agent and ask them for a list of all their discounts. After that write them all down and the insurance company will systematically work through the list to ensure you’re getting the full discount.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">8 – If You Are Married Then Combine Policies</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">This really can save a lot of money to newly married couples. Just call the insurance company and tell them to combine your policies.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">9 – Pay Insurance Premium in Full</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you start saving now and pay your auto insurance premium in full next time, it will save your extra fee which you have to pay from month to month installments.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">10 – Online Insurance Quotes Website Insurance.com</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Insurance.com is very helpful website. It allows you to run one check and get back several auto insurance quotes. Like this it becomes easy for you to see who is offering the best deal.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">11 – Get Direct Quotes</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">You can get direct quotes from Allstate, <place w:st="on"><city w:st="on">Hartford</city></place>, GEICO, etc. its best to go straight to the source with out any middle person.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">12 – Multi-Policy Discount</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">When you go for a new policy then check with your home insurer to see if they have a discount for multi-policies. There is a possibility to save money by bundling insurance policies.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">13 – You Can Have Advantage of Multi-Car Discounts</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">It’s best to go with same insurer which your spouse has before going for new policy. There are big savings for keeping all cars under your roof within one policy.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">14 – Group or Organization Discounts</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Being employee in an organization or as a member of trade organization, you may be eligible for a discount. </div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">15 – One Car is best</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There is no need for an extra car if one from you works from home. Going with one car is just best for you. Because this will save you on payment, maintenance, and insurance could be in hundreds also.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">16 – Consider Lowering Your Commute</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">By lowering your commute your auto loan insurance policy will get lower also. So try to work near your home or work most of time in home. You can also take alternative transportation to work also.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">17 – Move to a Different City of <place w:st="on"><city w:st="on">State</city></place></span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">This can help you for saving on your auto insurance policy. Different cities or states are having different requirements and also very different premiums.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">18 – FICO Score</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Improve your FICO score because your FICO score determines that how safe driver you are. A better FICO score also lower your insurance premiums.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">19 – Get a Different Car</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Consider driving a different vehicle, the one which is less likely to be stolen.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">20 – Strategy & Planning</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Your strategy and planning counts a lot with that you can save a lot on your car insurance premiums. A best strategy you can make after a search. So do make your search to make a strategy which work for you on long run.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-88583146854423360872011-10-22T09:39:00.000-07:002012-01-23T12:46:35.144-08:005 Types of Insurance That You Don’t Need<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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There are different type of insurance policies some are compulsory and some are not. According to law one must have to purchase car insurance and health insurance in order to secure car damaging and health problem costs. People buy insurance policies to cover the possible future financial losses. There are so many types of insurance policies but it’s not like that all of those are essential. There is some type of insurance policies which you really don’t need.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNuWPCZOZ9WSQRnJCqzihGWYpE8nZlRWZnk9OVrIdRKUHLfPXjRkIXHcscukRRdLEMvq4MY9THXcHq55RHNIzfCT9yg6pGrUURzZ4lAXoS0xAwr1tqVBFv07OQlRUapbkCviztXLf8iZo/s1600/Insurance+That+You+Don%25E2%2580%2599t+Need.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" rda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNuWPCZOZ9WSQRnJCqzihGWYpE8nZlRWZnk9OVrIdRKUHLfPXjRkIXHcscukRRdLEMvq4MY9THXcHq55RHNIzfCT9yg6pGrUURzZ4lAXoS0xAwr1tqVBFv07OQlRUapbkCviztXLf8iZo/s320/Insurance+That+You+Don%25E2%2580%2599t+Need.jpg" width="320" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">The other type of life insurance policies like life and disability are also important but not obligatory. These types of insurances are beneficial for securing your future, depending on a particular situation. These above mentioned type of insurance policies are important as it benefit you for your future problems, but there are various insurance policies that really are not essential for you to buy. You will get many insurance agents that will sell you insurance which you actually don’t need. Though such types of insurances would give you some sort of protection, but on the whole those are unnecessary. </div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Here are the insurance types which really are not so necessary to buy:</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">1 – Mortgage Life Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Some insurance agents would try to convince you to buy mortgage life insurance. This life insurance is designed to payoff your mortgage if you die before your mortgage terms are fulfilled. As a matter of fact this type of insurance in most of cases is not needed. Because your life insurance policy will do same, so it better instead of buying a separate mortgage life insurance you should make sure that your regular life insurance coverage is sufficient to pay off your mortgage. </div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Never combine or mix your mortgage life insurance with private mortgage insurance (PMI). If you cannot have 20% for your down payment then there is a chance that you have to buy PMI to help protect the lender in the event that you default.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">2 – Identity Theft Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">As identity theft is a fast growing crime now a days that’s why many people are concerned about it. You must have to watch over your accounts and credit reports for identity theft. It’s good to have more security on your reports and making it difficult for credit accounts to be opened in your name. Identity theft insurance won’t do anything more than as you can do. But difference is that identity theft insurance is not free of charge and it may not provide to adequate protection. In this case identity theft insurance is not so important that one must borrow it.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">3 – Cancer Insurance</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you are healthy and still no health problem then it’s rare that you will end up with cancer. So it’s necessary to buy cancer insurance as can insurance can void some of the coverage in your regular health policy. Cancer policies are also having many loopholes in them, which can prevent a payout. Its better that you double check your health policy before going for a specific disease coverage policy. Check you health insurance that it is adequate for hospitalizations. Same like that stroke and heart attack insurance is also not necessary as your comprehensive health policy will cover that all.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">4 – Payment Protection on Your Credit Card</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">This is for making payment for your credit card when you are unable to pay those due to of certain conditions. This payment makes minimum payments for you, until you are not able to pay back yourself. But this protection will get pricey as it’s based on your credit card balance.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">But for such condition you can have better options such as consider disability policy that includes debt payments. Same like that life insurance policies can pay off your credit card debt also. You can also build an emergency fund which will help in such situations.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">5 – Collision Coverage on Old Cars</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Though auto insurance is obligatory but on old cars its comprehensive coverage is not necessary. As your car will get old and its value will decline, your car will not be worth to have collision coverage. Calculate if your car collision coverage is costing too much for what you could get potentially from the insurance. Its best to break down what each portion of your coverage costs, this will help you to decide that comprehensive coverage on your car is worth or not.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-77926072254489420262011-10-21T14:08:00.000-07:002012-01-23T12:46:09.419-08:00What Type of Life Insurance Suitable for You?<div style="text-align: justify;"><script type="text/javascript">
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</script>We cannot deny the importance of life insurance, because it really secures our future to some extent. Many of you may know its importance and might have also life insurance through your employer. Sacrificing a little today will pay you huge amount in future at time of your need. About life insurance almost everyone knows. But how much one should buy? This depends on your needs, buy life insurance after figuring out you needs. When you will know for which purpose you want the life insurance policy it will become easy for you to determine that how much life insurance policy you should buy.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4BWqZkYIgCb6xpAm4FU3xuslSpGtLW8M0A4lJVHysgJ62q3l9fRK8r5nKCX6nMlO0FBDNl-BhsJpcIloJPOyPrsQgiu9vf0Y703jZ50NNf32JwFkXg19BoOmz3O6W7gfDNzpcDQmqyUU/s1600/What+Type+of+Life+Insurance+Suitable+for+You.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" rda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4BWqZkYIgCb6xpAm4FU3xuslSpGtLW8M0A4lJVHysgJ62q3l9fRK8r5nKCX6nMlO0FBDNl-BhsJpcIloJPOyPrsQgiu9vf0Y703jZ50NNf32JwFkXg19BoOmz3O6W7gfDNzpcDQmqyUU/s320/What+Type+of+Life+Insurance+Suitable+for+You.JPG" width="311" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Thinking about life insurance gives a little sense of financial security to family also. That they might be having some coverage amount if you won’t be able to work anymore or died. </div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There is no doubt about that insurance is all about displacing risks, and its human nature to take precautionary measures against those risks for self and family security.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">But how much life insurance one should buy?</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Income Replacement</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Do you need life insurance for paying your recent and future expenses and it also pay to your family after your death? If yes then it means you need life insurance for income replacement.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">So to find out that how much life insurance policy you should buy, take your income divide it by your beneficiary’s expected return on investments, then subtract any assets he/she would have easy access to, such as saving accounts, a second property etc. This will give you an idea that how much life insurance you should buy to replace your income.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you are only income earner then also calculate the cost of your benefits, like health insurance and 401k match. Probably in future your family would sell the big house, but remember to include the carrying costs and the impact moving can have on social structures.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Pay Off Debts</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you need a life insurance to pay off cars, credit cards, or mortgage, then it means you need life insurance for debts repayment. It will be better for you to buy your own regular life insurance policy for this purpose instead of credit life insurance or mortgage life insurance.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">It’s best to make your own life insurance if you want a decreasing term-type protection to go down as your liabilities. Any type of life insurance in which life insurance amount remains level; you can always reduce it to the allowable minimum. Like this your premiums will go down and you will be able to snowball debt even faster!</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Just take revision that there may be other expenses you’re leaving out. It’s a great thing to payoff your debts. But what about the rest amount, is that will be enough for your family’s survival? Final expenses could become expensive. These all things keep in mind while buying life insurance policy. It’s better to have a little too much life insurance than not enough.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Supplement Retirement</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">If you want to have a good life after retirement and you are not sure you could meet your goal if one of you two died unexpectedly then it means you need a life insurance to fill the retirement gap.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">This is an easy plan as you already know that how much money you need saved for retirement and how many more years you have to go. If not, then it’s better to figure it out now. When you have your retirement number, subtract the amount you have saved up. Then you will know exactly that how much life insurance you need and the how long you need it to last.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">College Savings</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Some people buy life insurance so that their kid can go to college, even if they won’t be around to see them. </div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">College expenses increase 5-8% every year so you must have to plan accordingly. When you will figure out that how much life insurance for this purpose need then it will be easy for you to compare the insurance quotes.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Stay-at-home spouse</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Every person in the family haves its own value even if he or she don’t bring home an income. You can figure out in two ways that how much life insurance for stay-at-home moms or dads. In first way write down everything and price it out. The other way is just conversation about how much you would realistically need. The right number will be somewhere between 1x to 2/3x the income of the other spouse or partner, but it’s a personal choice. The thing which matters here is communication.</div><h3 style="margin: 12pt 0in 3pt; text-align: justify;"><span style="font-family: "Times New Roman";">Bottom Line</span></h3><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">It’s not necessary that you will be having any above mentioned things will be your reason to buy a life insurance. You can have combination of these goals and that’s good. If you have multiple goals then add the numbers to get a starting point. Talk with your family and loved ones to see if you should move it up or down. In your multiple goals if income base replacement is included also then use it alone as your base.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are other plenty of reasons you might need life insurance too. Such as, estate planning and business continuation often involves life insurance.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-33087693624580823672011-10-18T14:47:00.000-07:002012-01-23T12:45:38.198-08:00Unemployment Insurance Benefits Time Period<div class="MsoNormal" style="text-align: justify;"><script type="text/javascript">
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You can claim for unemployment insurance when you lost your job or had your hours reduced through no fault of your own. It’s easy to find unemployment division of the state where you worked through online search. For example, if you worked in <st1:state w:st="on">California</st1:state> just put word “<st1:state w:st="on"><st1:place w:st="on">California</st1:place></st1:state> unemployment” for online search and you will get find the state unemployment office website.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwK3qwrGi_ZuzVql8LH8pBijbrwHiSwAoDgB2UW-nt5y6blvOtdLMMu0k_AvFywX7Qsf8OM6v7qzLdAifepwpuenai9F0yM2s5788IbCpb97J8PMcXQCH_yQMTA7KC2qLqonWG2-zXj5E/s1600/Unemployment+Insurance+Benefits+Time+Period.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwK3qwrGi_ZuzVql8LH8pBijbrwHiSwAoDgB2UW-nt5y6blvOtdLMMu0k_AvFywX7Qsf8OM6v7qzLdAifepwpuenai9F0yM2s5788IbCpb97J8PMcXQCH_yQMTA7KC2qLqonWG2-zXj5E/s320/Unemployment+Insurance+Benefits+Time+Period.gif" width="320" /></a></div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Unemployment insurance program is jointly administered by the individual states and the U.S Department of Labor. Guidelines can be different in your state, but federal laws can provide you guidance about most common unemployment questions.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: 'Times New Roman';">How Long You Can Collect the Benefits?<o:p></o:p></span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">According to federal laws for each one year claim period you can collect the equivalent of 26 weeks of the total unemployment benefits. The payments need not be consecutive or of a consistent amount. For instance, if you worked on a job for five years, and you were laid off in May. When you will claim for unemployment and receive checks for ten weeks. After that you are hired again and work for few months more then again laid off. Then you will file another unemployment claim (technically you are re-opening your existing claim). When you will file again you will receive the equivalent of 16 weeks payments not of 26 weeks, because your claim year ends in May.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The maximum amount of benefits you can receive within your claim year would be 26 times your Weekly Benefit Rate. For example, if your Weekly Benefit Rate was $300 then you will get amount of $7,800 for one year claim period.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">Maximum amount for your compensation is determined by your Weekly Benefit Rate. You can receive full amount during each week in many cases, and your benefits will end after 26 weeks. While sometimes your weekly payments can be reduced so that you can receive payments longer than 26 weeks but not more than the maximum amount. There are different reasons for having less payment than your Weekly Benefit Rate, such as:</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><ul style="margin-top: 0in;" type="disc"><li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;">Part-time earnings</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;">Pension or vacation pay</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;">Severance pay</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;">Worker’s compensation</li>
</ul><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">It’s like this if your Weekly Benefit rate is $300. Then your maximum yearly amount of claim benefits will be 26 x $300 = $7,800. And when you will be having a part time job which pays you $100 a week then your weekly unemployment benefits will be reduce to $200. While your maximum yearly benefit will still remain $7,800.</div><div class="MsoNormal" style="text-align: justify;"><br />
</div><h3 style="text-align: justify;"><span style="font-family: 'Times New Roman';">Extended Unemployment Benefits<o:p></o:p></span></h3><div class="MsoNormal" style="text-align: justify;"><br />
</div><div class="MsoNormal" style="text-align: justify;">The federal government and the states had taken measures to extend the period of unemployment benefits to workers who have use up regular unemployment insurance benefits. To have guidelines about that check your state unemployment office website.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-33779659675067650222011-10-17T10:08:00.000-07:002012-01-23T12:42:22.861-08:007 Tips for Reducing Your Car Insurance Costs<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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The car insurance policy rate is becoming financial rates are burden for average household. There are lots of people who want to get inexpensive car insurance. It is possible to find low rate for your insurance policy. As everyone knows that all car insurance companies are not equal. A cheap insurance is good if you got a reliable insurance company, otherwise it turns into a horrible nightmare. At end of the day inexpensive car insurance may not turn out to be the most affordable option when making claim.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMCXw9_lhppUUbLCNvMS8WYJ7ASe_zaGYJfEd6EySf6slinIE5DO6-yFr-S5fx6_LZDOBua9yqH5qtVAoVEVAegb0g89Skg7gUEvw8-xRmLirNdgzSAzYMOhW9sUDF_CjlCp0xlErbF8/s1600/Car+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="201" oda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMCXw9_lhppUUbLCNvMS8WYJ7ASe_zaGYJfEd6EySf6slinIE5DO6-yFr-S5fx6_LZDOBua9yqH5qtVAoVEVAegb0g89Skg7gUEvw8-xRmLirNdgzSAzYMOhW9sUDF_CjlCp0xlErbF8/s320/Car+Insurance.jpg" width="320" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">When you go to a discounted insurance company do not instantly take the quick car insurance quote, which is provided to at a low price. Always look forward and find more about the company that why they are able to give you such a good quote.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">You can reduce the price of your car insurance even with the best firms, there are such ways to do that. Here are some tips for getting a cheap car insurance policy:</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><ol style="margin-top: 0in;" type="1"><li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">First see what the deductible amount is. This is the amount that you will pay for any claim you make. The rate of the policy at the end is relevant to this amount. So many people who are having their car policy from long time never think about whether they should vary their deductible. If you are having a good driving record and you want to increase the risk of paying a bigger amount in the event of claim then you can save a lot of money by simple increasing your deductibles alone.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">The type of car can have impact on your insurance. While certain type cars attracts a bigger cost. The cars like sports cars and prime theft candidates will cost much more to insure. When you buy a car, you must look out which company and model you are buying and the insurance price for it also.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Your careness in driving is related to your cheap car insurance because its dependent on the factors relevant to your risk profile. If you are having any speeding fines and accident on your profile then you will not get an inexpensive insurance. Big discounts are always given to the careful and safe drivers.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Install a safety and anti theft device in your car. It will reduce the risk of being stolen and will most likely be cheaper to insure.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">When you policy come to renewal time never pay it immediately. Because there can be some parts you can change in your policy, which will ultimately effect the overall price. Always ask questions to your insurance firm before renewing your policy.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Find out who your other insurers could be. There are many insurers who offer a large discount on multiple policies so find out what discounts they can give you.</div></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><div style="text-align: justify;">Before paying your insurance policy receive an instant car insurance quote from other companies. As you’ve been with them over previous years so never settle for the same insurance policy. Because insurance rates vary all the time, that’s why it’s beneficial to receive comparable quotes before renewing.</div></li>
</ol><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are ideas for you to get a low price car insurance policy. Always remember that never accept the first insurance quote, which you receive. Always compare the car insurance quotes and get the best price and policy.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-60625842788941811402011-10-16T14:32:00.000-07:002012-01-23T12:41:50.085-08:00How to Get an Insurance Agent License?<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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Insurance agents are the agents who are dedicated in helping people for finding and purchasing the most suitable policies for life, health, property, casualty, and other types of insurance. So many insurance agents work for insurance companies and offer the customers their company’s insurance plans. There are individual insurance agents also who work as brokers; they are not employed by a specific company. They investigate various companies for their offered insurance plans and then they choose the best one for their clients.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiCLhugx6t5P74ZYpxC5ZZWfDd59eVOo8gb9D3WDayi8-FqB_k6eJc4hl5ntMhkn8jK95HPcJ-Xhc25v23TaHmgTMyvwriP4ER2Bo0WyJH3IIvZkH7WaaJHREqA_Tb8ufd8Og0sKYQlL0/s1600/How+to+Get+an+Insurance+Agent+License.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" oda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiCLhugx6t5P74ZYpxC5ZZWfDd59eVOo8gb9D3WDayi8-FqB_k6eJc4hl5ntMhkn8jK95HPcJ-Xhc25v23TaHmgTMyvwriP4ER2Bo0WyJH3IIvZkH7WaaJHREqA_Tb8ufd8Og0sKYQlL0/s400/How+to+Get+an+Insurance+Agent+License.jpg" width="398" /></a></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">In insurance sales there are different laws, regulations, and industry-specific procedures involved, that’s why professional insurance agents are required to hold a specialized license. To have the professional insurance agent license you must be having a college degree and field experience and also you will have to prepare for an extensive written or computerized examination.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">There are some insurance agents who are having high school diplomas but majority of brokerage firms and insurance companies prefer to hire people with college experience. It will be a plus point for you in getting insurance agent license if you are having a bachelor’s or master’s degree in economics, finance, business administration, or similar subject. In college you are having great opportunity to learn the different mathematical functions, statistical analysis, and management tactics involved in the insurance business. College students and other individuals who want to become insurance agents usually look for part- or full time jobs in sales, customer service, or administrative assistant work to gain experience dealing with clients.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">When you will get a job at an insurance company or private brokerage firm in the beginning you will be assisting established agents, performing receptionist duties, and observing them in their work. In this way you will learn about certain policies and also will learn how to handle different situations from experienced sales agents. Before you are allowed to sell the insurance policies, you will have to pass insurance agent license exams. Insurance agent license exams are administrated by the state or country government boards.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">In different states insurance agent license exams are having different content, but most exams measure new agents’ understanding of confidentiality, ethics, general sales procedures, and specific insurance laws. There is lot of content available in bookstores, libraries, and websites about insurance agent license exams. You can get useful tips from them and can prepare for exam in better way. The licensing test can be written or online and it costs a small fee that is frequently covered by a person’s employer. When you will pass the insurance agent license exam, you will receive the credentials that allow you to start recruiting clients and selling policies independently.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-6093003713820686966.post-74040733875471156142011-10-15T03:57:00.000-07:002012-01-23T12:41:13.639-08:00What is Malpractice Insurance?<div style="text-align: justify;"></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><script type="text/javascript">
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Professionals purchase mostly Malpractice insurance, usually medical professionals to have a financial back up in the even they are sued for malpractice. Causing damage of injury to a person or persons during professional duty of intentional wrong doing is called Malpractice. The medical professionals like doctors, nurses, surgeons and other professionals are needed to purchase malpractice insurance before being employed in the hospital or opening a private practice. Malpractice is also called personal liability insurance.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">In medical field malpractice or personal liability is purchased mostly but in other fields it’s required also.<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimaUoDOl6b5qDKqMdza680q0fwBlfMjHtnr88ukgBToMLRlwTANnTjYIFEzs4HQxU6D7hBuC1haBQobH69xuQ62s0VCRFvJR-ZADX5732FWQYiZwFiahikvmeEOokogXr30y-igxhHoJ4/s1600/What+is+Malpractice+Insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" oda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimaUoDOl6b5qDKqMdza680q0fwBlfMjHtnr88ukgBToMLRlwTANnTjYIFEzs4HQxU6D7hBuC1haBQobH69xuQ62s0VCRFvJR-ZADX5732FWQYiZwFiahikvmeEOokogXr30y-igxhHoJ4/s1600/What+is+Malpractice+Insurance.jpg" /></a></div></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Basically Malpractice is designed for medical professionals to give them a financial back for lawsuit. There are other policies also that provide personal coverage. A malpractice insurance policy covers up several million dollars. Anyhow the amount of necessary coverage varies from state to state because different statutes apply to malpractice law in different areas.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Most of people think that malpractice insurance policy is only purchased by doctors or surgeons, it’s because mainly these people are sued. And such doctors are having higher malpractice insurance premiums than others. But doctors are not the only one who gains the benefit of malpractice insurance. Other professionals like dentists, nurses, therapists, optometrists, and also diagnostic laboratories are also required to purchase the malpractice insurance. Medical institutions that provide the medical education also carry the malpractice insurance for covering their faculty and students.<br />
Malpractice insurance is one of the most expensive insurance policies. Its premiums are adjusted according to the type of medicine practiced, the type and amount of coverage needed, and whether that insurance cover a group of persons or an individual. The location of the practice and particular area’s laws can affect the malpractice premiums. Majority of doctors and medical professionals never use their malpractice insurance because it’s rare that they need it. But they have to purchase the malpractice insurance as a safety net and it’s also required by in many locations.</div><div style="text-align: justify;"></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-6093003713820686966.post-21123125201048877892011-10-14T10:24:00.000-07:002012-01-23T12:40:36.120-08:00What is an Insurance Claim?<div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><div class="separator" style="clear: both; text-align: center;"></div><script type="text/javascript">
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Application for benefits provided by the insurance company in actual is insurance claim. Policy holders have to file first insurance claim before any money can be disbursed to the hospital or repair shop or other contracted service. It depends on the insurance company that they approve or reject your claim depending on their own assessment of the circumstances.<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_YN5s4rEZAoRCJaGEQq-Azgmt00F9cEHwGckBrhNCTNSjvP8T_6YLPrcYxNqEKaHlRtFbyXYMNwklti1U2A4rzSLjJP-RggnOk5K5aQ1KBzCxIeiXdbr3MBAYW39jAXUPkE3EC4wYm-w/s1600/What+is+an+Insurance+Claim.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="214" oda="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_YN5s4rEZAoRCJaGEQq-Azgmt00F9cEHwGckBrhNCTNSjvP8T_6YLPrcYxNqEKaHlRtFbyXYMNwklti1U2A4rzSLjJP-RggnOk5K5aQ1KBzCxIeiXdbr3MBAYW39jAXUPkE3EC4wYm-w/s320/What+is+an+Insurance+Claim.jpg" width="320" /></a></div></div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">It’s necessary for the people who purchase the home, life, health, or automobile insurance policies must deposit the premiums on regular basis to the insurers. Usually these premiums are to settle another person’s insurance claim or to enhance the available assets of the insurance company. But sometimes accidents also happen which cause the financial damage, for example automobile wreck, tornado or a work related accident. In such cases the policy holder is having the right to file the insurance claim for receiving money from the insurance company.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">The insurance claim is filed to the local representative of the insurance company. The local representative is responsible to inquire about the specific details of the insurance claim, and negotiate the payment from the main insurers. A recognized authority such as doctor, repair shop, building contractor can file the insurance claim forms directly with the insurance company. Sometimes policy holders do not file an actual insurance claim if the damage is minor or other party agrees to pay out of pocket for their mistake.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">When the insurance claim is filed then insurance company send out an investigator, which is called adjuster or appraiser. The investigator’s job is to assess the insurance claim and decide if the repair estimates are reasonable. This is done to prevent the possible fraud by contractors who may inflate their bills for additional compensation. Investigator’s assessment is final word for insurance companies on the insurance claim.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Sometimes insurance claims are not approved by the insurance companies for any number of reasons. That can be because of claimant’s premiums, which are not paid in full, or the policy itself is not active. In case of automobile insurance policies if the damage caused by carelessness then the insurance company is having right to withhold payments.</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">Insurance claim remain only a claim until the insurance company assess the situation. Insurance claim is the only way to officially apply for benefits under an insurance policy.</div>Unknownnoreply@blogger.com2