Pay as You Go car insurance?

by sas_scanderalex
You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea; but would pay as you drive auto insurance work for you? The idea behind pay as you drive auto insurance is simple. Basically its this- if you do not drive very much, you will not pay high insurance premiums. Advocates for this type of insurance policy think that there are many merits to this type of program. What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go. Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the 'snowbirds' living in Florida or Arizona six months of the year and six months in New York or Toronto for example. Essentially the insurance companies would set an average driving amount for each car type. It could then be broken down into a cents per mile basis. If you wanted to us the pay as you drive auto insurance system you could purchase a set number of miles and you would be covered for insurance during this period. Pay as you drive auto insurance is an excellent idea for those individuals who do not use their car very much or try to find cost saving methods or environment saving alternatives. Currently this type of program is not yet available, but there are supporters in many states who are hoping to change that soon. Groups including Environmental Defense, the Conservation Law Foundation and even the U.S. Environmental Protection Agency are working to organize a national cooperative that would work with insurance companies to offer deep discounts for low-mileage drivers; halfway a step toward PAYD (Pay As You Drive) insurance. General Motors and On-Star Offers PAYD Rates. In mid-2004 General Motors Acceptance Corporation (GMAC) Insurance began offering mileage-based discounts to OnStar subscribers located in some states. The OnStar system reports a vehicle's odometer readings at the beginning and end of the policy term to verify mileage. Motorist who drive less than specified annual mileage can receive insurance premium discounts of up to 40%. PAYD programs are also currently available in Israel, South Africa and Holland. PAYD is gaining momentum, and will be coming to your area soon.

But will it ever arrive in the biggest Car Insurance market, the UK? There has been a lot of debate and forwarded working concepts but non yet approved. Discussions have been put in place and considerations made but for as far as the UK drivers are concerned, that is as far as it has gone. Perhaps the industry has too much to lose with this new money saving concept so it will be put off for a while, but as pressure and country's evolve into the new scheme it would be irrational for the UK to stay behind, fingers crossed peps.

Second to DIe Life Insurance

by sas_scanderalex
Usually, the death benefit from a second-to-die life insurance policy is intended to go to the children , a charity or pay taxes owed after both spouses pass away.

In the U.S. there is a marital deduction permitting you to leave an unlimited amount of assets to your surviving spouse with no taxes payable at your death. Those assets then become part of the estate of the spouse and if it includes a second to die life insurance policy it could help pay any taxes. In Canada, there is more lenient tax treatment.

There are also tax ramifications for small businesses, which is why business partners also purchase second-to-die policies.

THE REASON TO BUY SECOND TO DIE LIFE INSURANCE POLICIES

With a second-to-die life insurance policy your beneficiaries can pay debts with the proceeds of your policy, so they won't be forced to sell your house or liquidate assets to pay the bill.

A second-to-die life insurance policy can help to construct a financial plan reducing the tax burden of wealthy individuals by creating trusts and using second-to-die life insurance as part of the estate-planning process.

ADVANTAGES TO SECOND TO DIE LIFE INSURANCE POLICIES

1. Less expensive. Second-to-die life insurance is usually less expensive than life insurance but depends on the blend of the ages. The premium is based upon the joint life expectancy.

2. Estate Preservation. A second-to-die policy appeals to individuals who feel strongly about preserving their estates with the life insurance paying the taxes.

3. Easier to buy. It's easier to qualify for a second-to-die policy than for individual life insurance. Since both insures must die before the benefit is payable, the insurance company is less concerned that one of them might not be in good health.

* Builds your estate. In some cases, second-to-die life insurance is marketed as a way to build an estate, not just insulate it from taxes. Much like individual life insurance, the death benefit of a second-to-die policy can ensure that certain people receive money, even if you spend every nickel.

4. Second-to-die life insurance might make sense for people who don't have a lot of money but want to leave an estate for their children.
http://www.goarticles.com/cgi-bin/showa.cgi?C=711467

Getting Low Car Insurance Rates

by Blake Allen
Nowadays there isn't anything more significant than having auto insurance and in some states it is even illegal to not have some kind of minimum coverage.

It is also important that you find ways in which insurance rates can be kept at an affordable price, or else no one is going to be able to afford it.

But that is why there is low car insurance rates available and there are many different factors that have to be taken into consideration when determining what the insurance is going to cost the driver of the vehicle.

This is why it is good for any driver to know their rights and to know the different factors concerned with this subject.

The factors that are normally looked at to determine your insurance rates are your driving record, age, car type, credit and location.

No matter where you are going to look for low car insurance rates, it is important that you compare prices and specifications.

If you are conducting your search online or offline, shop around and find the company that is going to be best for you and your pocket. Some companies are ludicrously expensive with car insurance; while other companies understand the need of the customer and how important insurance is to them, therefore they will offer a reasonable price.

Firstly, decide on what coverage you want and then go to different companies and ask them what they would charge. This will make your search a lot easier as you will already know what you want; now you are just looking for the price of it.

This may sound ridiculous, but your credit plays a major role in insurance. Low car insurance rates are easier to obtain when you have a good credit history.

Just about every company you go to is going to check your credit history and the worse it is, the more they are going to tell you to pay. Keep your all credit and accounts up to date.

http://www.goarticles.com/cgi-bin/showa.cgi?C=704284

Finding Cheap Car Insurance For Woman

by Blake Allen
Statistically it has been proven that female drivers are safer drivers than men, thus every piece of information that is provided when a female applies for car insurance is taken into consideration when a quote is been prepared and car insurance premiums are calculated.

o Female drivers over and above the age of fifty receive real cheap car insurance, as woman over this age has been proven to less likely claim.

o To be in possession of numerous policies with the equivalent company puts you in the run for a discount on you insurance premium. Should you possess more than one car, it is advisable to insure them with the same insurance company.

o Excess refers to the total amount of money which the policy holder should pay in order for a claim to be carried forth; the insurance company takes care of the rest.

o Where you are located will have some effect on the calculations of your premiums. Should you be located in the country side, your premiums would be less than those that reside in the city, as the crime and accident levels are way higher.

o On the application form for your car insurance you are asked a total of your mileage per year. Should your mileage fall under a limit set by the insurance company, you will find yourself with a discount on your premiums. This been that you do not spend too much time on the road and are at lower risk of accidents.

o You are asked to give a list of people that would be driving your car while you are insured. The less named drivers that you have would lessen your premiums. It is advised to have no names on the list at all.

o A 'no claim bonus' is the most efficient way of getting cheap car insurance for woman and can earn you up to 60% worth of discounted rates.

o Should your career the life threatening, you could end up with high premiums, while inactive office jobs are low risk which in turn receives low premiums.

http://www.need-to-buy-car-insurance-online.com/html/women.html

Travel insurance - is free always a good thing?

by Chris Rowlands
The majority of us have a credit card for one reason or another, whether it be for business purposes or purely for a little indulgence once in a while.

What you may or may not know is that many companies now offer "free" travel insurance to their cardholders. Almost 3 quarters of the credit card companies now offer this and many banks are now following suit with their current accounts packages.

The problem is - you may not be receiving the same level of cover you'd expect from a stand alone travel insurance policy. The financial ombudsman service is said to have noted a rise in complaints related to free insurance policies.

The cover can suffer from one of a few problems, firstly; lack of cover level in important areas such as medical/injury. Secondly; lack of range - you will usually find you don't receive the same all round comprehensive level of cover you'd receive from a stand alone policy. And last but not least - the duration of cover may only be based on a single trip policy outline and therefore not give continued cover should you need it.

Insurance experts are said to have reported that Medical cover is lacking on the majority of these policies and anything under £5 million is inadequate. Of course there are certain credit card companies who offer a high enough level of cover, however - weeding these out from the myriad of credit cards available today can be difficult.

There have been a few cases in which the free insurance policy has refused to pay out. This can be due to the credit card company not being informed of minor medical problems which occurred long before traveling commenced. In a recent case reported to the financial ombudsman the ruling was made in favor of the insured as it was deemed unreasonable for the client to report every minor health problem to the provider of the free insure throughout the year.

In the case of a standalone single trip policy there is usually no need to mention minor illnesses from which you have recovered at the time of applying for cover. This should therefore be the same across the board including free insurance policies.

As a good rule of thumb you should seek a minimum cover level of £1 million when traveling in Europe and at least £2 million when traveling in non EU member countries such as the USA. Anything below £1 million should be considered too little and this is where many free insurance policies fail the end user.

In certain countries - such as America, medical treatment is extremely expensive and without a high level of cover you could find yourself out of pocket by thousands of pounds.

Many of us spend much time planning our holidays but little thought is put into taking out a holiday insurance policy. It is vital for peace of mind and to offer protection for yourself and your family - you should carefully consider taking out a policy if you do not already.

The insurance ombudsman also reported that travel insurance complaints overall were dropping but the free insurance related complaints continue to rise.

Remember - of you do rely on a free insurance policy; read through the terms and conditions carefully to identify any areas where you may be lacking vital cover. Carefully consider the pros and con's of a stand alone policy compared to a free policy, you will usually find you are better off with the former.

http://www.goarticles.com/cgi-bin/showa.cgi?C=703286

Home insurance - prepare for winter

by Chris Rowlands
Winter is fast approaching and many areas have already experienced the first frosts of the season - even a scattering of snow in places. The question is; are we ready for it?

A report issued by Sainsbury's urged Britons to prepare themselves and their property for the winter period.

Predicted strong winds and heavy rain could potentially cause much damage to properties that are ill prepared and lacking maintenance. Indeed after the flash flooding of summer - for which the majority of us were unprepared - we have hopefully learnt a vital lesson.

This is where home insurance is particularly valuable as few of us can afford to pay for extensive repair to our properties. You should ensure your property is well maintained to avoid the possibility of your claim being rejected.

Research recently carried out by the association of British insurers showed that 20% of UK homes need maintenance work.

In preparation for seasonal extreme weather conditions it is advisable to fasten down any loose objects such as garden furniture, TV aerials, guttering and roof flashings, etc. Care should be taken to ensure any loose roof tiles are secured and those that are missing replaced. Even a small leak in the roof of your property can over time lead to rotting of the timbers composing the structural support and cost thousands to put right.

In the report by the supermarket it was also noted that structural features such as the chimney and roof are often in a poor state of repair due to being out of sight and therefore out of mind.

It is important to read through your house insurance policy documents when you receive them to ensure you are fully aware of any limitations.
http://www.goarticles.com/cgi-bin/showa.cgi?C=703289

The role of life insurance companies

by Ioan Margineanu
Around the age of thirty, people are becoming more aware of the fact that they need to leave a legacy and that a few people rely on their existence. When you know that you have a family to support, you can't act like a teenager. But this is not enough. Once a person or more are waiting for you to provide for them, you need to assume a few responsibilities. You will soon realize that if something were to happen to you, they couldn't survive spiritually and physically. You can't do anything about the spiritual side, but you can make sure that your loved ones will have everything they need when you die.

When you realize that a life insurance is mandatory for your family, you need to find a life insurance company. This is not a complicated process, but it doesn't mean that you shouldn't choose your life insurance company carefully. The only element that stands between your family and a large amount of money that you had provided through a life insurance is your life insurance company. After you're gone, the company will have to make the last step and make sure that your family will get the amount promised. This is why you should make sure that you get a good life insurance company that tries to work for your best interest. Besides handing the money after your death, your life insurance company also deals with a lot of other legal issues while you are still alive.

Because you don't have to know everything about life insurance policies while you are still alive, your life insurance company should be able to tell you everything about the process. You can choose between a few types of insurances and each one can have advantages and disadvantages. Because you can't take these decisions alone, you need to talk with a company who wants the best for you, not for their profit. There is a certain code of ethics that should be respected by life insurance companies. While they could get a higher profit if you choose a certain program, it doesn't mean that that program is the best choice for you. Your life insurance company should be able to tell you this and after a quick analysis of your situation and they should guide you to a plan that suits your situation best.

Another factor that can be influenced by your life insurance company is the price. You will have to make a few payments throughout the insurance and the value of what you pay and what your family can get at the end can be sometimes better if you know what life insurance company to choose. This means that you can make a good deal if you know where to search for and you won't get the same prices everywhere. However, you should make sure that you find the best price to quality ratio, don't try to get with the cheapest life insurance company only to save a few bucks.

In the end, choosing your life insurance company can be a crucial step in getting a good life insurance policy and sleeping easily at night. You won't worry about anything if you make a good deal on the premiums and if you know that your policy will cover your family for many years. If you want to make a good job when you are searching for life insurance policies, think twice before hiring the fist life insurance company that comes your way.

http://www.platinuminsurance.info/

Where to Get Low Income Medical Insurance

by Brian Stevens
Looking for low income medical insurance? You're not alone. More than 46 million Americans are uninsured and face a financial catastrophe if they experience a major illness. Here's where to get low income medical insurance so you can make sure you and your family are protected.

Government-Funded Health Care Programs

State and Federal governments have a number of health care programs created for low income individuals and families. These include:

*Medicaid - A federal program that provides comprehensive health insurance to low income individuals and families.

* High risk pools - Offered in more than 30 states, these programs provide health care for people who have been denied private health insurance or are paying excessively high premiums for health insurance.

* S-CHIP - A state and federal program that provides health insurance to children whose families don't qualify for Medicaid.

For more information about Medicaid, visit The Centers for Medicare and Medicaid Services at: cms.hhs.gov. For more information on state-sponsored medical insurance programs programs, visit your state's department of insurance website.

Private Health Care Plans

Private low-income medical plans include the following;

* Managed health care plans, which cover your doctor bills, hospital fees, and prescription drugs. These plans assign you to a group of doctors and hospitals. They're the least expensive comprehensive health care plans.

* Fee-for-service plans, which also cover your doctor bills, hospital fees, and prescription drugs. With these plans you can choose your own doctor, but they're much more expensive than managed health care plans.

*Catastrophic health insurance, which covers your hospital and doctor bills for catastrophic illnesses only - cancer, heart attacks, and other serious illnesses.

* Short-term major medical insurance, which provides the same coverage as major medical insurance, but for a limited period of time.

*Dental and vision insurance, which pays for dental fees and vision care costs.

* Specialized health insurance programs, which restrict your coverage to certain types of illnesses, accidents, or amounts of coverages.

Where to Get Private Low Income Medical Insurance

The best place to get cheap private low income medical insurance is at an insurance comparison website where you can compare insurance rates and choose the cheapest one (see below).
http://www.goarticles.com/cgi-bin/showa.cgi?C=697978

Van Insurance - A Must-Have For All Van Owners

by Peter Finch
It is essential for any individual who has a van to own a van insurance. On top of being mandated by law, it is very necessary for unexpected and well, expected, turn of events that might affect the vehicle. Although this is not always the case, most van owners have their families aboard wherever they go, be it for business or for pleasure. A van insurance can definitely make sure that whatever happens in the course of day to day driving, untoward incidents will be taken care of, without any inconvenience on the part of the owner.

Whereas individuals making vehicle purchases oftentimes have specific details in mind, buyers usually buy a van because they need one. More often than not, it is for family reasons. A sedan is perfect of anybody but it would not be comfortable if the whole family tags along. Surely a van insurance that has a better and more comprehensive coverage that can be fully customized to suit the number and various personal needs of each family member has leverage.

Some van owners use their vehicles as a simple means of transport but for some, it is more than that. Businesses that need to drop or pick-up goods to and from various locations use their vans more often and because of this, they need a van insurance as well. Moving merchandise from one point to another needs a vehicle that can fill the part and because of the nature of this business, oftentimes, a van insurance for a vehicle that is used commercially is charged with premiums that are slightly higher and more expensive than those of regular private vehicle insurance. This is primarily because of the high risk that it entails in terms of the goods that are in the van that are moved from one point to another.

The chances of meeting accidents while transporting merchandise from one place to another are high. Broken merchandise due to sudden collision or delayed delivery because of some engine trouble, name it, and most likely, such unfortunate events have already befallen on most businesses that transport goods.

While we will understand the causes of delay and other problems that have been encountered along the way, the driver still has to be paid for the services that he has rendered and the goods that were supposed to be delivered in good shape are still going to be delivered anew. Adding all that up, you will find that the bill gets longer by the minute because you have to add the cost of repair of the vehicle and many other things that, perhaps, a simple bump, has triggered. These are the determinants for the higher premiums for van insurance. Due to the exorbitant costs associated with accidents involving commercial vans, business owners should place priority in the subscription of insurance for their vans.

Getting a van insurance that is tailored to the business of the vehicle owner will take care of all these expenditures and more - it will take away the stress that comes with the package in any untoward incident. With a van insurance, the proprietor of the business is assured of financial protection, as well as emotional buffer for any mishap along the way.

One of the perks of getting a van insurance is the availability of another vehicle that can be used in place of the possibly badly damaged van in the event that major accidents happen that render the vehicle useless for the time being. It is not only the delay and the delivery that are at stake in cases like this for businesses. The name and the reputation of the business is also put on a perilous ground should there be no safety nets to possible accidents like that. With a stable van insurance in place, anything unfavourable towards the business and the business owner as well as the vehicle and the merchandise will be protected.

The van insurance is a one of the major factors that could bring about the success or failure of an enterprise. This is also a major factor in the financial or emotional comfort and convenience for any person or family who owns a van. Be it for business or private use, a van needs to be insured to ensure that everything is taken care of when things do not go as planned. To get the kind of service that you need, it is important that all insurance providers will be properly checked and compared so that you will get an insurance policy that will not only protect you from any grave misfortune, but make sure that you get the right protection that you deserve.
http://www.completely-insurance.com/health-insurance.htm

Term Life Insurance - Who Says Insurance Has To Be Expensive?

by Peter Finch
Term life insurance has been described as a bet you do not want to win, but if you do, your family will be eternally grateful you gambled! Simply put, term insurance is a bet with the insurance company that you will die and make a claim within a set period of time, known as the term hence the name, term life assurance.

Term life insurance comes in many different forms and probably we come across it most often when buying a home. Here we have a mortgage for an amount that we know, that is going to last for a term that is set at the outset so it becomes very easy to see how much and for how long we need an insurance policy to cover the debt in the event of our death.

Mortgage protection policies tend to have a variety of features that can be used as and when our mortgage situation changes. We may move home, change the mortgage, borrow more money for a new kitchen or suffer changes in our financial situation that require economies to ensure the mortgage gets paid to keep the roof over our heads.

Term insurance policies also find a place when covering business situations. Frequently, the death of a partner in a business will cause an issue in that their share of that business will be left to be inherited by their beneficiaries. Now just consider whether you want your business partners spouse suddenly turning up to your business and telling you how they want you to run the business? Could you work with them? Can they actually work in the business anyway?

Under these circumstances it makes a great deal of sense to establish life insurance cover for the partners. The insurance proceeds will then allow the surviving partners to simply and conveniently buy the deceased partners share of the business. The business is not subjected to unneccessary disruption and the deceaseds beneficiaries receive the value of the business shares without the need for the business to be sold or subjected to potentially crippling debt taken out to pay them off.

Travel insurance is another form of term insurance though the term may be as short as a day! Travel insurance will very often include a death benefit but the primary purpose of coverage here is to ensure the insured receives proper medical treatment where they are, failing that, arrange for their repatriation and in the event of death, ensure the body can be transported home for burial.

It is not uncommon to see term insurance offered to exclusive groups of people. Insurance companies do this to minimise the risk to themselves posed by paying out claims, which in turn directly affects the premiums that are charged. If a group of people, say of a certain age, or particular health bracket e.g. non-smokers, wish to benefit from more advantageous premiums then it makes sense that they look for insurers offering special terms for these exclusive groupings for insurance purposes.

Finally, term insurance has a place for most of us in our lives at one point or another. First of all establish what you need the cover for, how much and under what terms which will then lead you to whether a term insurance contract is right for you. Following this simple principle will help make your negotiation of the insurance maze that much more easy.
http://www.completely-insurance.com/health-insurance.htm

Life Insurance UK: Providing Hope to Hopeless

by Allan Elvin
One of the advantages that the 21st century ushers on people is that it has brought with it a whole lot of services that prove quite handy and play a sterling role in simplifying life. One such service is life insurance which is widely appreciated throughout the world. Particularly in UK, it enjoys a mass following. So much so that it would not be wrong to state that life insurance UK has become a way of life in the country. The reason that has catapulted its popularity is actually very simple to understand. Present times, in spite of its many advantages, have one major shortcoming, which is that it has made life very uncertain.

With life gaining great speed this is only expected. Everyone is in a hurry to reach his destination on time. In their eagerness to do so, they often jump the traffic signal with disastrous consequences. And if the deceased person happens to be the only earning member of the family then the plight of that family can easily be understood. It is with the intention of helping people out in such trying circumstances that life insurance UK was conceived, and needless to say that it has achieved its objective. A mass following attests the fact that it indeed helps people immensely.

There are several companies that provide life insurance to people. The key here would be to undertake thorough market research to find out which company's policy suits one most. One should not forget that policies of life insurance UK have different provisions, and it is entirely up to the concerned individual to get hold of one which suits him most. One must understand that if the correct policy is not opted for then the whole purpose of getting insured gets defeated.

The other thing to be taken into account here is the fact that a complete and thorough screening of the policy is a must before signing on the Life Insurance UK dotted line. However, there are certain steps that need to be taken before putting in one's signature. First of which would be to know about the formalities that one needs to go through before he is handed over the contract. Second would be to find out whether everything put down in the contract is correct. Thirdly, one has to ensure that no wrong information is provided to the insurance company, as it can lead to the cancellation of the policy.
http://www.goarticles.com/cgi-bin/showa.cgi?C=696847

Term Life Insurance for Californians

by Sharon Taylor
It can be a truly daunting experience for anyone who is looking to purchase California term life insurance. Common in many industries, insurance is no exception; you will find the use of words that are defined in a way that is much different from the common or traditional definition. Because California term life insurance has some of its own vocabulary, it would be extremely beneficial for anyone looking to learn more about their policies to conduct some research and education on their own to make the process a lot less intimidating and a lot more clear. There are a lot of terms and vernacular that can potentially be unfamiliar and confusing to anyone buying term life insurance for the first time.

Here is a brief explanation of some of the more widely used terms.



Term Life Insurance Terms:

Beneficiary - The beneficiary for a term life insurance policy is whatever person has been designated by you to receive whatever benefits are outlined in the California term life insurance policy upon your death. You can designate that your policy benefits be dispersed among several beneficiaries, a single beneficiary or even a charity if you wish.

Proposed Insured - As it relates to the purchase of California term life insurance, the proposed insured is the person who is actually applying for the coverage.

Attained Age - Some term life insurance companies used the attained age as a means of determining the age in term life insurance premium calculations. This method actually uses the actual age in years of the proposed insured person. Months are not considered when it comes to arriving at the attained age for a proposed insured person.

Nearest Age - The nearest age method when it comes to determining age for a California term life insurance actually takes months into account by looking at whether the proposed insured person is closer to their last birthday age or their next birthday.

Premium Mode - The term premium, as it pertains to term life insurance, is the amount that is charged by a life insurance company for a California term life insurance policy. The premium mode, on the other hand, relates to the frequency in which the insured pays these premiums. The total annual term life insurance premium tends to be somewhat higher when the insurance payments are spread out over a year instead of paid in a single lump sum. If you choose to break your annual premium into two or four payments, you will probably have to pay an extra couple of dollars per payment. Some insurance carriers may also charge a bank fee; so familiarize yourself with possible fees before making these decisions.

Coverage Amount or Face Value - This 'coverage amount' or 'face value amount' is the initial dollar amount that is chosen for the policy coverage for your California term life insurance policy. If you buy a term life insurance policy for $250,000 for example, that is the coverage amount or the face value, which is the amount that will be paid out to the beneficiaries that you have designated upon your death.

Guidelines for Underwriting - Underwriting guidelines are used by insurance companies to determine how to base their term life insurance coverage. These guidelines include many factors about your lifestyle, including your health and hobbies. Criteria for underwriting guidelines when it comes to California life insurance also typically includes age, gender, use of tobacco, weight and height, history of heart disease, diabetes, cholesterol, blood pressure and valve replacement in your family, your driving record, occupation, service in the military, any foreign travel or foreign residency and any felony or criminal activity.
http://www.equote.com/li/termlifeinsurance-quote.html

Long Stay Holiday Insurance

by Katya Coen
What Is It?

Long stay holiday insurance is a good option especially for people (like students and business professionals) who travel a lot. It provides a strong sense of security when traveling, because of all the risks that come with traveling. This insurance can help with lost belongings or damaged property, and it is always good to have insurance when traveling abroad. There is always a risk that something will get lost or damaged some where between the airport and your destination. That is why it is a good idea to opt for a long stay holiday insurance.

You do not have to be a student or business professional - anyone who travels a lot can get long stay holiday insurance. It is popular with retirees and people who just enjoy traveling. This type of insurance will help in case of lost possessions providing you with the choice to replace those lost items. A lot of people dread the thought of purchasing insurance for traveling purposes. But, it is not as bad as you think. In fact, it is a good idea to buy long stay holiday insurance if you are a frequent traveler.

Purchasing Long Stay Holiday Insurance, and Safety Tips

It is always important to browse through all the different websites and insurance companies before making a choice. The price ranges vary and you should contact the insurance companies to discuss their policies and pricing, and compare prices with other companies to see which is best suited for you. Always carry your money and any personal valuable items on you at all times, though it is best to leave all jewelry and valuables at home. Always make sure that your visas are up to date and that you carry your insurance certificate on you. It is good to make a list of belongings that you will be taking with you, if you are planning on a long stay.

When you arrive at your destination you should check that list and report if something has gone missing and your insurance will replace those items. Make sure that you drink water out of a bottle for extra safety, because some areas may not have suitable drinking water. Remember that safety is always important and even with these precautions things can still go wrong which is why it is so important to have the proper long stay holiday insurance, so that when something does go wrong you will be ready and your insurance company will be ready to help you anytime. If you are a student looking for long stay holiday insurance many of the companies and websites today give special deals to students traveling abroad for educational purposes.

There are even specialty packages for people traveling on business who need insurance for their personal possessions like computers, cell phones, and private documents. It is important to recognize which insurance is right for you, be sure not to choose the wrong kind when you can get better deals from different places. Once again be sure to browse around the different websites. Take your time, never rush into insurance of any kind.
http://holidayinsurance.a1-market.com/category/long-stay-holiday-insurance/

How To Save Money And Get Discount Health Insurance In New Jersey

by Alexis Jensen
Few people enjoy paying for health care. In fact, more than 50% of all people who have health care in New Jersey report that the cost of health care is a significant financial burden on their household. Health insurance has gotten so expensive that fully 17% of all New Jersey residents are without health insurance of any kind due primarily to cost.

So what can be done about the high cost of health insurance? Is it even possible to save money and get discount health insurance in New Jersey?

Well, actually there are a few things the average person can do to help bring the cost of health care insurance back in line.

If you have the opportunity to purchase group health insurance through your employer or through an association or organization that you belong to, you should seriously consider purchasing it. There are at least two reasons for this. First, group health insurance is almost always less expensive than individual health insurance and, secondly, group health insurance will often accept a person with a pre-existing condition that an individual policy will not.

So what are some of the things you can do to put together a health insurance policy that will save you the most money?

Start by getting all tobacco products out of your life. Smokers and people who use chew are going to pay more for health insurance. Period. By the way, never lie about your use of tobacco products in order to get insurance - your health provider will know instantly that you have lied and your insurance may refuse to pay for treatments you have already received.

If you are overweight you are going to pay more for health insurance. Losing weight is more difficult that quitting smoking for most people, yet being overweight is a prime reason that so many people pay through the nose for their health insurance. If you want to lower your cost of health insurance you need to lose at least some weight - losing even a little weight can bump you down into a lower weight category and that could save you hundreds of dollars each and every year.

Children under the age of 18 and some adults who meet certain income eligibility standards can qualify for low-cost or sometimes even no-cost health insurance through the state of New Jersey. Qualifying is easier than you think. To see if you or your children qualify for this health insurance please check out: http://www.njfamilycare.org/

How much of a co-payment can you afford? Many people are paying a 20% or 25% co-pay each time they visit a doctor. If you can afford to increase that co-pay to 50% you can lower the monthly cost of your health insurance by a substantial amount. This is a particularly good strategy for people who seldom see their doctor.

If you have other insurance policies, such as a homeowner's policy or a life insurance policy it can pay you to get all of them from the same insurance company. This will earn you a Multi-Policy Discount.

If you've had a health insurance policy through the same insurance company for at least 5 years ask your agent if you qualify for a Long-Term Policy Discount.

How large of a deductible can you afford each year? Think carefully about this because you are going to have to come up with your deductible out of your own pocket every year before your insurance company will even begin to make any medical payments, but the larger your deductible the lower your monthly premium payment is going to be.

O.K., now put it all together. Create your low-price dream health insurance policy and then go online and find at least 3 different websites that will allow you to compare the price of your dream policy at several different insurance companies.

Don't stop after making just one comparison. If you really want to find the absolute rock-bottom low price for health insurance in New Jersey you're going to have to make your comparisons on at least 3 different websites.

Once you've done that then you can pick the lowest quote and feel confident that you have found the very best price and that you have truly saved money and gotten discount health insurance in New Jersey.
http://www.ezquoteguide.com/health/

Take care when buying cheap deals on house insurance

by David Thomson
With the recent flooding that occurred in the UK and the cost of insurance rising along with consumers being warned to take extra care with fireworks on 5th November and Christmas and New Years' celebrations being just around the corner it is imperative that while you do have home insurance to guard against the unexpected you do not take the first cheap policy that is offered by panic buying to save money.

A specialist broker will be able to search online on your behalf and find you the cheapest deal, they know what to look for whereas if you take cheap cover yourself you might find you aren't fully covered. Insurance is not one of the easiest things to understand which could mean that you are paying out for insurance with the understanding that everything is covered, when in fact you could be leaving yourself wide open and uninsured.

Going with a specialist broker for your cover means that the cover and quotes for the cover you are offered includes everything you need as the broker will first ask you what type of cover you need and be able to inform and advise you if what you think you need is what you should take out. It is no good taking the lowest quote for home insurance that you can find yourself only to find at the time of trying to claim that you cannot make a claim, not only will you have wasted money on taking out the insurance in the first place but have to stand for the replacement or repair costs yourself.

The problem with taking out cheap insurance is that accidental cover and personal cover for possessions which are some of the most essential additional benefits usually are not included; however the consumer is blinded by the low cost and so look no further until it is too late.

It is important to read the terms and conditions of any policy so you are able to determine if you have adequate cover and make sure when applying that you tick any boxes related to the cover that you wish to take out. However this is where the broker will help enormously because they will makes sure of what you want before searching for the cheapest premiums for the insurance for your home.

There are many types of cover and before applying you need to determine exactly what needs to covered and how much cover needs to be taken. If you are looking at contents insurance then it is imperative that you go around and make a detailed list of your possessions because it can be surprising how much they add up to, also do not just assume that any items which are particularly expensive such as paintings, jewellery or collections will be included in the cover. Some policies offer more than other as standard but items of extreme value will probably need extra insurance taking out on them, always ensure you have the correct amount of house insurance so that you will not be faced with unpleasant surprises and stick with the specialist broker to find you the cheapest quotes available for adequate cover.
http://www.bestdealinsurance.co.uk/houseinsurance.htm

Income Protection Insurance Is Best Bought From A Specialist Standalone Provider

Simon Burgess
There are many reasons why if you are thinking of protecting your income you should choose a standalone specialist to purchase your cover. The first is that you will get the cheapest cover possible and the second you will get all the information needed to make sure that a policy is suitable for your circumstances. Income protection insurance isn't suitable for all individuals and if you don't read the small print then you cannot make sure it's suitable for yours.

Income protection insurance is taken out to protect your income up to a certain amount each month to give you a replacement income if you were to come out of work after suffering from an illness, accident or if you should be made unemployed. The cover would begin to give you a tax free income after you have been out of work for anything between the 31st day and the 90th day depending on the provider and would then continue to pay you an income for between 12 and 24 months. The income ensures that you would be able to continue in the lifestyle you are accustomed by allowing you to carry on paying the essential outgoings each month without the worry of were you would get the money from.

It is essential to realise that there are exclusions in all policies and it is these that could mean income protection insurance might not be suitable for your needs. Some of the exclusions which are common to all policies include if you are only in part time work, are of retirement age, self-employed or if you have an ongoing illness at the time of taking out the policy. Of course these are just some of the most common and could differ from provider to provider, so it is essential that you are given the information and key facts within a policy before taking it out, the exclusions are usually hidden in the small print but an ethical specialist should make these available.

The lack of information regarding policies at the time of taking them out was one of the main causes of mis-selling when in 2005 the Financial Services Authority began an investigation into the sector and several high street names were handed fines. While changes have been made for the better in the way that the cover is sold many more still need to occur and the cover is still confusing to the majority of consumers who are unaware of how much the total cover costs, aren't aware of the exclusions in a policy and don't realise they can shop around for cover with a standalone specialist.

In March 2008 the Financial Services Authority are introducing comparison tables which it is hoped will make the sector more transparent. Consumers will be able to answer a series of questions and from here they will be able to determine which cover is the most suitable for their needs while also being made aware of the exclusions which exist in all policies and the amount the cover will cost in total.

A standalone specialist is the best and cheapest way to buy a quality income protection insurance product that will give you a replacement income if you should lose your own but only if you understand the product and what it can and cannot do.
http://www.britishinsurance.com/

Sell More Life Insurance by Being a Good Listener

by Dean Cipriano
There are great benefits in being a good listener. In fact, this ability can add big dollars to your income instantly.

Good listening skills will enable you to close far more cases than you ever have before. The sad thing is most life insurance agents lack these skills. Major U.S. corporations invest huge sums of money each year to train their personnel to enhance their listening skills.

We've all experienced this at one time or another; we give someone direct, specific instructions but somehow they only catch bits and pieces.

It's Not Just Life Insurance Agents...It's Everyone!

I recall even back in elementary school, the teacher would line all the students up and have them pass a secret from person to person. By the time the secret got to the last student, the message was totally different. I used to think someone intentionally changed the story, but I have since come to realize that people in general just don't listen.

Some people simply don't have the know-how to listen, others that have the skill to listen often don't.

Some of the reasons people don't listen are that they're preoccupied with other thoughts, they're in a hurry, they're too tired or they are simply unable to focus their attention.

How Can a Life Insurance Agent Convert More Leads by Listening?

In selling life insurance, you should listen to acquire useful information. Not just to be polite, build rapport or to flatter your prospect or client... although, these are beneficial side effects of being a good listener.

There's nothing more flattering and compelling to a person than to have someone's total focus and undivided attention.

Ya see, if you quietly listen to your clients, and even your newer life insurance leads, they will tell you exactly what you want to hear... "What it will take to sell them."

They will tell you what it will take to make them happy and "What they want." And after all, isn't that the secret to successfully selling life insurance... "Providing what people want." The more you listen, the more people will confide in you and trust you.

You will be surprised how often people will give you what you need to convert this lead into a sale, if you are ready and willing to receive it... and recognize it when you get it.
http://www.goarticles.com/cgi-bin/showa.cgi?C=673536

Insurance For Businesses

By Cindy Heller
It is imperative for business owners to have a business health insurance to take care of unseen medical predicaments that lay in their future path. A far-seeing businessperson owes this vital responsibility to himself and to his employees.

The Importance Of Insurance

Few employee benefits rivals health care insurance. Hence, it is only proper that a company should take care of its workers by providing with the best insurance possible. This should of course be done at an affordable cost. According to recent data, about two-fifths of full-time employees chose from more than one health plan. Common factors that influence the choice include the type of person enrolling, the type of care that will be provided and the type of care the enrollee needs. The most common form of health insurance chosen by companies for employees, are group and business insurance packages. These packages have many employee benefits and they are very affordable.

Today, there are cheaper insurance deals for smaller companies. It is good news for small businesses that insurers cannot decline coverage for employers with two to twenty employees. Besides, by implementing information technologies, insurers have significantly improved customer service, reduced costs and adopted models that allow customers to determine what insurance plans suit them.

Small Business Health Insurance Is A Useful Employment Benefit

To be able to purchase a small business health insurance plan, as a firm, you need to have between two and fifty employees. With the way health care costs are rising these days, it is advisable for small businesses to have a group insurance so that the firm is able to offer medical services to their employees should they become ill or injured. If all small businesses were to have small business health insurance, they would be able to recruit and retain good, healthy and long-term staff.

Small Business Health Insurance Types

HMO, PPO, POS and fee-for-service are some of the kinds of small business health insurance plans available today. However, the best form is of the managed care variety. This is because it is affordable and its coverage is quite wide. In short, its cost/benefit ratio is the best. Having said that, it is advisable, as a small business to be clear about your aims and objectives and clarify them before procuring a small business health insurance plan.

It is compulsory for you to furnish the insurance companies with the details of your business - the number of employees, the kind of coverage needed and the ages and health status of the members of the group. You need to ensure that the information you give the small business health insurance providers is accurate for them to come with up suitable proposals.

The cost of small business health insurance has recently skyrocketed due to the aging population and rising cost of health care in the country. Also, there has been news about the declining reputation of managed health care. Despite this, you will still be able to procure a suitable insurance plan from a reputable service provider. One of the places you can check up for such plans is the chambers of commerce. They may be able to provide assistance to recommend a suitable service provider in your locality.

Many insurance service providers offer various forms of health insurance plans. It is very tedious and many times confusing to compare the features of competing plans. Unfortunately, this process of due diligence is required to ensure that you choose the right plan with the right features suited to you and your family at the right price. Do your research over the Internet to get to your initial list of insurance service providers to consider for your needs. During this research phase, you will also understand and appreciate features that you will consider important to you. Contact agents from these selected insurance providers to send you their proposals based on your stated needs. Do not be afraid to clarify your doubts with these agents when you receive their proposals. It is their job to enlighten you about the various features of their proposals. Remove service providers who are unable to answer your questions convincingly or deliberately try to confuse matters, off your hit list.
http://www.majorhealthinsuranceplan.com/

Insurance Safety Net For You

by AJEET KHURANA
Insurance is the preferred mode of risk reduction by corporations and individuals alike. This is where the loss is transferred to a third party who bears the brunt. There are two parties involved in this agreement, the insurer and the insurance company where the policy has been taken. When a person dies, meets with an accident and becomes handicapped, or if the vehicle meets with an accident, are some cases where insurance comes in as a safety net. An insurance policy could be for any of these purposes -- health, life, medical, vehicle or general insurance. The duration is decided upon while signing the agreement.
Since there are many companies offering insurance policies, one must do some research and ground work before buying a policy. The policy needs to satisfy all the customer's needs and serve the purpose when the time comes. Some of the points that one needs to keep in mind are as follows:

1. Services offered - You must analyze the various insurance companies that are available, go through their policies and choose the one that offers the products and services that match your needs, in terms of duration, risk coverage and time taken to reimburse payment.

2. Is the policy writing company financially capable? - The company you choose must have a sound credit standing in the market and should have the ability to cover all the clauses mentioned in the policy on time. If not you will end up spending out of your pocket.

3. Premiums - Premium is an amount that the insurer pays to the insurance company at regular intervals during the year till the policy matures. Depending on the policy taken, the premium payable will vary. So compare the options available based on age, term of the policy, the type of policy and the value of the same. Sometimes the premium amount might seem very high, but the company will offer extra. Pay attention to details to protect yourself from misleading policies.

4. Reputation and License - One major factor that you must note is whether the company has a good reputation in the market. You can gather this information by talking to friends or colleagues who have policies with the company. It goes without saying that any insurance you buy must be from an approved and licensed company. If not their policy will not hold good.
http://www.amazines.com/Insurance/article_detail.cfm/359441?articleid=359441

Health insurance Tips

by Webmaster
Usually, this type of health insurance is advisable to those who have to take frequent trips, especially abroad trips and whose job involves frequent journeys. Traveler's health insurance provides you protection from recurring medical conditions and health conditions. You may be having a health insurance policy that did not admit insurance claims involving out-of-network costs, especially those incurred overseas. Under such circumstances traveler's health insurance is best option to secure health care protection for you.

Generally, a short-term health insurance plan is considered suitable for frequent travelers. Some companies offer you health insurance plans with a rider for the period you would be traveling. There are different traveler's health insurance plans. There are certain restrictions on the plan depending upon place of visit and price. To ensure more protection you may choose to obtain a supplement plan if your current policy is restricted to traveling options.

Acquiring a traveler's health insurance plan is a simple procedure. Only formality is that you have to present pre-existing conditions. Traveler's health insurance policy becomes void if the medical problem is attributable to existing illness or accident.

It is suggested that you collect the information of medical facilities available at the place you intend to visit. This will help you in deciding whether a normal traveler's health insurance will suffice or you should secure a health insure plan that provides evacuation facilities or offers better hospitalization benefits.

You must give due consideration to following aspects whenever you have to purchase a traveler's health insurance.

* Does your plan cover prescribed medicines * Does it cover your and your spouse' evacuation * If your entertainment activities involve adventurous activities like skiing, mountaineering, scuba-diving etc you must ask your insurance provider whether your plan provide coverage for these extreme sports or not. * Whether your policy has provision for return of your remains, in the direct condition. * Read the rules, benefits, coverage printed on the insurance certificate carefully. * Know the exact method of payments. Ensure whether your insurance company will directly pay the expenses to the provider or you have to first pay from your pocket and then reimburse from insurance company. If you have to reimburse confirm about the time-schedule.
http://phorcys.goarticles.com/cgi-bin/showa.cgi?C=674181

Health Insurance: Tips for Understanding Your Policy

by Jim Russo
Do you get a headache trying to understand your health insurance? If you do, and it is very likely that you do, you are not alone in this. It does help most people when they at least have an overview of what health insurance does and does not do.

Tip number one is to remember that insurance is not designed to cover every little health related detail in our life. There are many things that no large corporation can do more cheaply and effectively than what you can. In the same way that you do not expect your car insurance to cover the cost of replacing a tail light bulb or changing the oil in your engine it is also unreasonable for us to expect health insurance to cover the cost of aspirin for the occasional headache or Pepto-Bismol for when we've eaten too much.

Just imagine how high monthly insurance premiums would be if they also had to cover the occasional headache and upset stomach. The cost would be astronomical both for the aspirin and the monthly insurance premium. Over 30 years ago a hospital charged my wife and $.75 for two aspirin. Can you imagine how much they charge now? Compare that to how much you pay for a bottle of 100 aspirin.

Tip number two is to make an attempt to understand what kind of an insurance policy your employer is providing you or what kind of insurance policy you have purchased directly. If it is an HMO then you'll have one set of rights and responsibilities that you need to follow. On the other hand, if you have a traditional indemnity insurance policy then you likely will have much more freedom of choice in terms of picking your own doctors and hospital but the cost of that policy is going to be dramatically higher either in terms of premium cost or more limited benefits.

Thankfully, as more and more information comes to light in the world we understand that are personal decisions in life relating to our healthcare do have a diuretic influence one the cost of healthcare to society and its direct cost in our own individual lives. It's, for instance, a whole lot cheaper for everyone if we moderate what we eat and get some regular exercise in our lives. When we had the opportunity to live healthier life styles we do help keep health insurance cost under control.

the decisions about your own personal health that you make one a day to day basis, while dwarfed by the inefficiencies of private corporations, not only reduce our own out of pocket expenses but also improve the quality of our personal life now as well as 10 and 20 years later.

Health insurance is much more complex then we would desire in large part because each and every state legislators beside that their constituents deserve a certain kinds of coverage to be involved in every health insurance policy. While this seems nice on the surface the result is that prices for health insurance vary from state to state dramatically.

This fact of mandated coverage's makes it very difficult to compare your coverage and its cost with your Aunt Mary's coverage when she lives in another state. While the specifics are difficult to come pair it is always wise of you to at least have good knowledge of Hal health insurance works and what kinds of coverage's are available to you even when your employer is already providing basic coverage for you. A good over all working knowledge of health insurance will save you money and improve the quality of your life.
http://www.life-health-dental-insurance.com/health-insurance/

Stripper Does Insurance Industry

by Candy Brooks
I had the great opportunity to interview a beautiful blue eyed blonde who worked as an exotic dancer. She worked for many well known gentlemen's clubs in the United States. Her travels have taken her to New York, Los Angeles, Las Vegas and Hawaii. After two years of dancing, Stacey hung up her high heel stilettos to get into insurance.

Candy: Ok, my first question I'm dying to ask you is what was your stage name as an exotic dancer?

Stacey: Well, it actually took me a long time to decide on a stage name. I wanted something people could remember. Many of my friends told me just to use my last name, Sweet, but I didn't want to use any part of my real name.

A while back when I was out with my friends in Hawaii it seemed that everyone that I met over there would say to me, "it's a pleasure to meet you." I kept hearing that over and over and it finally clicked to me that I should use the name, "Pleasure." I felt that name was very fitting for me at the time (giggles)

Candy: So why did you make the switch from strip teasing to getting into the insurance industry?

Stacey: I really made good money as a dancer; however, I started to get burned out from all the traveling that I did. I would get club promoters calling me at crazy hours of the day, and asking me to drop everything just to fly across the country and be a featured dancer. That made it pretty exhausting after awhile, and I felt I needed a change in my life.

Candy: So how did you get to where you are now and into the insurance industry?

Stacey: Well, I was performing at a club in Los Angeles, and a guy I was talking to said that if I ever needed a change in my life to give him a call. He gave me his card.

Candy: I bet you hear that line all the time.

Stacey: Yeah, pretty much, but something about him seem genuine, so I called him probably a week after meeting him, and he got me into the business.

Candy: What did your friends think of your decision and what changes has it made in your life?

Stacey: They were all very supportive. It actually has given me more sleep. I've been spending more time with my younger sister. She has been going to Nursing School, and I have been using the money I have been earning to help her as much as I can.

Candy: So I hear you also have done some modeling?

Stacey: Yes, I actually have done lots of photo shoots. Many of my pictures are actually published and on the internet.

Candy: Anything you want to say to anyone out there?

Stacey: Sure. I really appreciate everyone's support. Thank you to all of you who have helped me in my life.

Candy: It was a real pleasure (no pun intended) interviewing you. Are there any websites out there that you want to recommend to our readers?

Stacey: http://www.auto-insurance-quoter.com/

Tips on choosing Insurance Company.

by Randel Smith
Tips on choosing Insurance Company.

The best way to kick off your research is by doing a little investigation insurance Web sites. A good site will list companies available in your area, prices for both individual and family plans, and any lower-cost options offered if you meet certain income requirements. Make sure your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you:

Write out your priorities
Make a list of the important things to you, and bring them up to the broker or insurance company.

Compare the brokers
The next step is to compare the insurance quotes to determine which one is the best for you. Consider cost, coverage offered, and quality of service available. Confirm that your insurance agent is selling you a licensed insurance product. Then select your insurer.

Meet with potential insurance agents
Make a few appointments, bring your personal insurance profile with you, and ask questions. You want a fair price and quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.

Read the insurer policy
Read the policy when you get it. The worst time to discover what is not covered is after you have a loss.

Keep your insurance information with you
Now you have decided, ask your insurer for a card, and keep it in your wallet, handbag or in your car.

Make sure the agent and company are legitimate before you pay for insurance


Never pay cash.
Get a receipt for all payments.
Make sure the receipt shows your policy number, date of payment, period of coverage, and name of insurance company providing the coverage.
Make sure you feel comfortable with the level of service provided as well as what you may need to handle yourself. If you are expected to be the insurance specialist at the time of the claim, know that ahead so you may elect to consider other options for your insurance.
http://www.aquilansure.co.za/

Difference Between Private Health Insurance And Health Cash Plans In the UK

By Gareth Owen
Many people who would never consider private medical insurance happily pay for health cash plans to supplement the cost of various health treatments and services. While both are meant to help you pay for your health care needs, there are some important differences between the two.

Private medical insurance is meant to cover hospital and medical treatments that are not covered by the NHS, or to get around the limitations of NHS. If, for instance, your doctor has recommended surgery to alleviate knee pain, you might have to wait six months or more in the NHS queue. With private health insurance, you get to "jump the queue" by having the recommended surgery performed in a private hospital and paid for by your insurer.

Private health insurance does not generally cover routine medical appointments and daily medical needs, nor does it usually cover you for dental and optical treatments.

Health cash plans are meant to complement the NHS by providing cash to pay for the cost of routine and daily medical care. They are not meant to replace NHS services or be a substitute for private medical insurance, which cover the costs associated with illnesses. Instead, they are meant to encourage the kind of routine medical care and screenings that help you stay healthy and avoid incurring medical costs.

Health cash plans generally provide cash toward the cost of annual physical exams, routine eye screening, dental costs and prescription costs. Most health cash plans also cover complementary and alternative treatments, and often cover children for free if one or both parents are enrolled in the plan.

Private medical insurance makes payments to the hospital or health service provider after a bill is submitted. Usually, the bill for your care will be submitted first to the insurance company. Once the insurance company has paid its share of the cost, the hospital or provider will bill you for the remainder.

Health cash plans make payment directly to defray the cost of medical services that are not covered under NHS or private insurance. They vary in the amount that they pay and in precisely what is covered, but generally, they will pay you a specified amount of cash for each type of service covered. For instance, a health cash plan may pay you £24 for each day that you are in the hospital, or £5 toward the cost of each prescription, and £30 toward the purchase of new prescription glasses.

Private medical insurance generally requires a physical examination, or a detailed medical history in order to qualify. The premiums will be based in part on your current physical health, and your cover may be limited by existing or previous medical conditions. Premiums generally increase with your age.

Health cash plans generally do not require a physical examination or assessment of your medical history. The premiums are standard and are not affected by your past medical problems. The premiums for health cash plans do not generally increase with your age, but remain the same as long as you keep making the premium payments.
http://www.privatehealthservice.co.uk/

Get Your Money Back From Insurance Companies

by Candy Brooks
Get Your Money Back From Insurance Companies

Many people from all over the United States are throwing away millions of dollars each year. Little do they know how much money they can save by taking a few minutes to find the best auto insurance rates online. With increasing expenses each month, saving money can be difficult. Here is a list of things you can do today to put more money in your pocket:

Discounts Available To You

Many people do not take advantage of the discounts offered by car insurance companies. You may not know about these insurance discounts because either your insurance company is not telling you or because you have not asked them what discounts they have to offer. Among the various discounts there are: senior citizen discounts, safety discounts, college student discounts, multi-car discounts and much more. All you have to do is ask.

Adjust Your Deductible and Save Money

By adjusting your deductible you can notice an immediate savings. Try using different deductible amounts offered to you and you will see a difference.

Good Student Discounts

If you or someone that is on your insurance plan is enrolled in school and is a good student, you or they may be eligible for the Good Student Discount, so ask and save.

Good Credit Score Discounts

Today, there are many insurance companies that are checking people's credit scores. If you have a good credit score, you may be entitled to a nice savings.

Free Quotes in Minutes Saves You Money

The fastest way to see a quick savings is to get online quotes. It only takes a few minutes of your time. Since all insurance companies vary in rates you can sometimes see a difference in rates of $500 and up.

To get free quotes or see more information on the latest auto trends and tips go to:


http://www.auto-insurance-quoter.com/

Take the Stress Out of Choosing a Personal Health Plan

by Ed Byers
For those who purchase their own health insurance, selecting the best plan can be very stressful.

Careful and thoughtful planning should go in to choosing the appropriate benefit design, according to Lincoln Lafayette, vice president of Sales for Consumers Life Insurance Company, which offers competitive personal health insurance plans, and a variety of convenient services online.

"The best advice is to simply take your time," said Lafayette. "It would appear that most people devote more time to shopping around for an iPod than they spend choosing their health benefits."

Lafayette said fewer than 18 percent of Americans spend more than one hour reviewing materials about potential personal health insurance plans and fewer than 10 percent read the materials closely.

"Evaluating health plans can be overwhelming, but the downside of not educating yourself can be expensive," said Lafayette. "Although people may look at this as a short-term decision, meaning next year they may elect to change again, it is important to realize that a lot can change in a year's time and they need to be realistic about their decisions."

According to Lafayette, there are a number of important factors you need to consider when weighing personal medical insurance plans.

* Personal Needs:

o What level of benefits do you need? A good place to begin is by looking at your medical history and lifestyle.

o Find a plan that gives you and your family the flexibility it needs.

* Consider the cost and also consider out-of-pocket expenses such as:

o Deductibles, the amount of covered expenses that you must incur before benefits become payable by your health insurer.

o Copayment, a dollar amount as specified in the schedule of benefits that you are required to pay at the time covered services are rendered.

o Coinsurance, the amount of cost that you share with your health insurer after the deductible is met.

Lafayette said a higher deductible always means a lower premium: "Consider your age and how often you go to the doctor or hospital when choosing the level of deductible. For example, a younger, healthier person may want to consider a higher deductible. A key factor is to look at the total out-of-pocket expense you are willing to pay and you can calculate your costs with just the click of a mouse."

Consumer's Life also offers online health insurance quotes, and a wealth of information about products and choosing the right plan.

Although the task of evaluating health plans may seem daunting, the return on investment will be well worth the time.

"The ultimate goal," said Lafayette, "is to maximize your benefits and minimize your out-of-pocket expenses."

About Consumers Life Insurance Company Consumers Life Insurance Company is a subsidiary of Medical Mutual, the oldest and largest health insurance company based in Ohio. The company is licensed to sell health insurance products including dental insurance personal plans and personal vision insurance in 28 states and the District of Columbia. Consumers Life serves its customers through high-quality, affordable group and personal health insurance plans, and third-party administrative services to self-insured businesses. For more information, or a visit the company's Web site at www.ConsumersLifephp.com.

Home Insurance : Protect What You Own

by Smith James
After you have a home, the next step is to get it insured. Home insurance is to protect what you have built or what you own. Earthquakes and hurricanes are some of the natural problems your house faces apart from other dangers from the environmental and human sources.

Choosing and staying with one insurance company is an advisable idea to be considered for discounts. Loyalty benefits your home insurance policy plans. More the number of years with a particular company, the more the rebate is likely to be. Insurance company rebates increase with increased familiarity with you. It can be even up to a good 15 per cent. However, different situations need to be dealt with different strategies. Sometimes you might be able to save much better by purchasing different policies.

You, in fact, have to weigh your options, whether staying with the same company is more profitable or whether switching over is better. And of course, you can even negotiate accordingly after understanding the premium rates in the market. Proper research helps in a major way in this. It is important to invest some time doing this to save on a lot of premiums as well as to get good coverage. In general, it is advisable to get as many of your belongings covered as possible, especially your precious possessions inside the house, that is furniture, electronic goods, jewellery and other valuables.

Applying for home insurance quote from different companies serves you good, as it increases your options in hand. Furthermore, it is easy to do. All you need to do is fill out an online application when you visit the websites of the companies. It helps you to compare between many insurance options. And you can finally go for the one that gives you reasonable coverage under flexible conditions. The Internet has made insurance application free, quick and easy.
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Being Overweight Carries Life Insurance Pains

by James Din
Think you already know what this subject is all about? Chances are that you don't, but by the end of this article you will!

It's no riddle having strength harms can make it harder for you to buy life insurance. High blood strain, diabetes, and mind disease are among the conditions that can make it testing to buy life insurance.

If you're overemphasis, but otherwise strength, you still might have a hard time retail life insurance. Even if you're not large, there are some luggage in which you'll have to pay more for life insurance if your emphasis reaches a certain demolish. In most instances, the heavier you are, the more you'll pay.

It's all about "expand"

Ask yourself a few simple questions to determine if you fully understand the concepts that we have went over so far.

Along with age, health saga, and lifestyle, life insurance companies take your "expand" into consideration on your application. "Fabricate" is your emphasis relative to your height. Life covers use indexes that harvester the two factors to help reveal what kind of threat you pose. (See the American health Association's index at the end of this feature.)

The more you weigh in relative to your height, the more budding you have for strength harms. The standard life insurance consumer is superstar who is projected to live a long, strength life. Statistics show overemphasis people pose amplified insurance threats, because they are prone to expand strength harms as they grow adult. According to a learn available in the Journal of the American health Association, surbenefit emphasis is related to 280,000 mortalities in the U.S. annually.

The common American waistline is receiving better. In a learn available in the Journal of the American health Association (JAMA), the Centers for Disease rule and Prevention (CDC) reported heaviness climbed from 19.8 percent of American adults to 20.9 percent between 2000 and 2001. The CDC also reported diagnosed luggage of diabetes amplified from 7.3 percent to 7.9 percent during the same one-year interlude. The upsurges were evident regardless of sex, age, people and educational position.

"Tubbiness and diabetes are among our top community strength harms in the united disorders nowadays," says U.S shape and being military desk Tommy Thompson. "The good hearsay is that diabetes and other continual illnesses can be vetoed with modest lifestyle changes."

The more you weigh, the more you'll pay

If you're just a little overemphasis, say about 10 pounds, you might see no difference in the life insurance toll you are quoted. If you're cruelly overemphasis, you'd better plan more money for life insurance.

Steve Jitney, an elder action consultant with disorder farmhouse, says a someone can be denied life insurance at his party if the someone is "grossly overemphasis or dramatically large," even if he does not have any other strength harms. The party will also allege upper premiums if your emphasis is significantly more than it should be in relative to your height.

If a 40-year-old, 6-base-tall gentleman is 270 pounds, he will have to pay 15 to 20 percent more than a someone of standard emphasis, Jitney says. If the someone weighs 300 pounds or more, Jitney says that assume jumps to 30 to 35 percent.

Many other large life covers take an akin attempt to underwriting. David Potter, a spokesman for The Hartford, says people who are at 150 percent of their beloved emphasis will see an upsurge in premium. Again, in this luggage, the more emphasis you cart, the more your premium will be. "It's probable to be unwanted by emphasis, but it's unusual," Potter says. "Most of the people with emphasis harms do have other strength harms, like high blood strain and high cholesterol."

Even if you are just modefigurely overemphasis, life insurance could still expense more. People who are vaguely overemphasis can be disqualified for a "chosen figure," which is a lessen premium that rewards people who are strength. For example, a someone who is 20 to 30 pounds overemphasis and does not have high blood strain or diabetes might get a usual figure, but they won't see the chosen figure.

Burden harms can dog you whether you are applying for enduring or stretch life insurance. Underwriting is based on survival mortality. It won't be different if you are applying for stretch or enduring insurance.

Where the "uninsurable" go

Where can you go if you are unwanted because of your emphasis? There are companies and agents specializing in insuring people with strength harms

One way some companies cover large people is by donation a "graded mortality promote strategy" that pays out unstable amounts depending on how long you live. In condensed, the longer you live, the more money your beneficiaries entertain. For example, if you die inside the first year, your beneficiary might get the premium you rewarded benefit 10 percent attention. If you die inside two living, your beneficiary could get 25 percent of the mortality promote; in three living, 50 percent; in four living, 75 percent; and in five living, the stuffed 100 percent.

Other covers agreement graded mortality promotes for large people only in excessive luggage. These companies commonly use "indexes" or categories that harvester height and emphasis to reveal what kind of strategy should be issued.

If you feel premiums are too costly, some companies will recommend you to take a lessen mortality promote to make insurance more affordable.

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How Much Life Insurance Do You Need?

by James Din
As we all know, this subject is something that we could all use a little education on no matter who you are.

You might be asking manually this subject: "How much life insurance do I need?"

Some fiscal advisors will tell you to multiply your yearly wages by seven. Others will tell you to buy only enough life insurance to exchange the wages you are quoted to make between now and retirement. Some might suggest you buy only enough life insurance to obscure your near debts.

While you perhaps can do all of those calculations in a little, they won't give you the right answer. Modestly put, calculating your life insurance desires takes research. It forces you to do an array of all of your finances, and to think long and hard about how your beneficiaries would assert their lifestyles lacking you. You also must deem inflation and, if you have spanner, imminent academy training outlay.

We have had a lot of fun during the first portion of this article and hopefully you feel as though you have a firm grasp on the topic.

What not to do

What's the amiss way to analyze how much life insurance you need? Here are some ordinary but misguided manners.

1. Multiply your yearly salary by seven or eight: While it's an easy formula, it fails to take into a regard your individual desires and obligations. Life insurance experts say threes a good venture you'll buy too little or too much obscure age, cleanly by with a formula such as this.

2. Compute your "guise life survey:" This manner gives you the wages you will earn from your near age pending your retirement age, arrogant a evaluate of notice that rehears salary increases throughout that episode. The glitch is it does not take into a regard what your beneficiary's explicit desires will be. You also end up with a numeral that forces you to buy an enormous calculate of life insurance, probably more than you may need. "There are all sorts of landmines in this," says Michael Snow don, an instructor at the train of economic forecast in Denver. "When you analyze this way, you're effective with broad brush strokes."

3. Case your debts. This involves export only enough life insurance to obscure debts such as your finance, learner advance bills, or outstanding car comments. This manner does not deem any imminent debts or desires, such as spawn heed or academy training outlay.

A classic formula

Many experts say the best way to isolate a smart life insurance numeral is through a desires assay, which can be crushed down into an easy formula: brief-idiom desires + long-idiom desires - subsidizes = how much life insurance you need. Snow don says this manner is "perhaps the most accuevaluate loom in what is an inaccuevaluate and blurred knowledge."

Experts notify you do an assay at slightest once every three being, or when you have had a chief life change. For example, if you have a new baby, you have to reanalyze academy training desires and spawn-heed outlay. If you own a home, finance is forced your leading fiscal burden. Because your finance stability decreases with each payment, it's important to enter those revised numerals in your calculations.

Five steps to a desires assay

March 1

Add up all of your concise-idiom desires. These can be sited into three categories: ultimate expenses, outstanding debts and crisis expenses. Among ultimate expenses are medicinal, hospice, and funeral expenses, attorney or architect fees, probate incite outlay (if you do not have a will), and any outstanding taxes that would need to be salaried if you died. Among outstanding debts are esteem license stabilities, vehicle advances, academy advances, and all other outstanding bills. Crisis expenses should enter money coolness for medicinal emergencies and repairs to your home or car.

Calculating ultimate and crisis expenses can be complicated, because you don't have a sparkler sphere that tells you how much your medicinal or hospice expenses will be, or if you even will have any.

March 2

Next, add up your long-idiom debts, which enter your finance and academy education.

Calculating training subsidize is tricky because you have no idea where your spanner will be ready to academy. Perhaps the best manner is to use the near mode academy loss in the United States and the number of being away your spanner is from inflowing academy. The mode academy outlay for the 2002-2003 train year were $4,081 yearly for a community, four-year institution, and $18,273 yearly for a guinea, four-year institution, according to the train lodge.

The U.S. Department of tutoring rumor academy outlay traditionally have risen at about 5 percent yearly, so you need to numeral out what the loss will be when your spawn goes to academy. (To analyze what outlay will be in the imminent, see the last segment: A must-know: the equation for the imminent survey of money. Also be surely to analyze what the complete training wills loss while charming into a regard the augmented outlay each year.)

March 3

Next, analyze family maintenance expenses. These enter such necessities as spawn heed, food, clothing, value bills, entertainment, tour, and transportation. Compute this numeral based on a year's merit of expenses, then multiply that period the number of being you want to supply this wages.

Once you've done that, add your concise and long-idiom debts and your family maintenance expenses.

March 4

Now that you've tallied all of your wages desires, numeral out what subsidizes you have to unite them. To do this, add all untaken savings, stocks, bonds, mutual subsidizes, untaken life insurance (such as group life through your employer), and societal refuge. You and your husband can find out how much you'll get through the societal refuge Administration (SSA) by visiting the Sass website, where you can get a quote of how much you should have in societal refuge profit. Also add your near salary, and presume 5 percent compounded notice each year if you force salary increases over time.

It's important to regard only liquid assets (those that could be hastily converted to money) among your subsidizes. You shouldn't regard stuff such as your home or vehicle mobile, because promotion them for money when you're consumed would mean altering your family's lifestyle.

March 5

Deduct your subsidizes from your calculate expenses. The numeral you get should rehear the calculate of life insurance you should buy.

Don't be impressed

Snow don says the ultimate numeral that shows how much life insurance a guise desires can be pretty alarming. If you end up with an astronomical numeral that forces a premium that is too high, he suggests you go through the assay again and wish areas for which you think you can allocate excluding money.

"Many people will look at the ultimate numeral and say, 'I can't do that,'" Snow don says. "You have to look at it, numeral out which is the most crucial, commence making adjustments, and go from there."

A must-know: the equation for the imminent survey of money

Calculating your life insurance desires will force two equations you may have chosen up in Finance 101: the imminent and near survey of money.

The imminent survey of money equation tells you how much your money will be merit in a given number of being while earning a given evaluate of notice. This equation is necessary if you are calculating how much money you'll need in the imminent because of inflation or what your overthrow profit will be if you wish to invest the money at a given notice evaluate.

The near survey of money equation tells you what your money is merit before it has been invested for a given number of being at a given evaluate of notice. This is important if you have an calculate of money you need in the imminent, and you need to know how much life insurance obscure age you should buy now.

If this sounds phobia to you, don't trouble. As long as you have a calculator (preferably a fiscal calculator, which is worn by acregardants and finance professionals), these equations are no sweat.

Here's how the imminent survey of money equation factory: Say that mode academy training outlay are $20,000 yearly for a guinea four-year institution, and you want to numeral out how much it will loss in four being if academy outlay keep ready up 5 percent per year. You would multiply 20,000 by 1.05 (1 rehears the near loss, and .05 is 5 percent inflation) four period (or 1.05 to the fourth strength).

We hope that you have found this article interesting and eye catching to say the least. Its objective is to entertain and inform.
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Term Life Insurance vs. Permanent Life Insurance: Is Cash Value the Best Value?

by James Din
There are many great aspects to this subject, which we will review carefully so that you may get the most from it.

When in the sell for life insurance, there are two types you can store around for: term life insurance or permanent life insurance. The chief superficial difference between the two is that term life insurance covers you for a set interlude of time, where permanent life insurance covers you for the rectifier of your life. still permanent life insurance rates considerably more than term life insurance, it is just because when charming a earlier look at each, permanent life insurance gives your rule the venture to upsurge its cash value, which ultimately means a better value and more money for your beneficiaries when you die.

Which is best for you?

Stable life insurance may present you a better payout in the long-run, but what if your monetary obligations are only brusque-term? When you actually just want the most complete of coverage for the slightest complete of money, its better to goods a term life insurance rule. The money you bank from the premiums in term life insurance can be invested in stocks, mutual money, or bonds.

We hope that the first part of this article as brought you a lot of much needed information on the subject at hand.

The trait that makes permanent life insurance so enviable is its ability to obtain cash value. A portion of the money you pay into your premium goes into a cash account that grows over time. With any kind of insurance you are considering, its important to do explore about the guests you may be purchasing your rule through, says David Roush, CEO of assurance.com. You'll also want to be effective you smarmy understand how it strategy and that there are no unknown fees that may get you in the end, Roush says.

How does cash value work?

Coins value accumulates very hastily in the launch, because you are younger and your mortality grade is inferior. But as time goes on, your cash value begins to leisurely down, not from something that you've done, but because of time operation its course on you and your body. The ventures of you closing upsurge every year, which in become makes the detriment of insuring you go up, as well as increasing your mortality rate.

The mortality rate (a certain complete of money the insurance guests takes out of your payments per year to pay for insurance rates and processing) typically doubles every decade. The more they take out, the fewer that goes into your cash value. Luckily, your premiums don't upsurge because the life insurance guests have full your mortality into consideration. The only time your premium could maybe go up is if you have a general life insurance rule with compliant payments if you pay too little in the launch, you may get hit with high bills later on.

On the mean, cash value can erect between four to six percent each year. If your money is in stocks, bonds, or mutual money, you are at the mercy of the family. At the end of the year, your cash value may be advanced than probable, or if investments aren't performing well, it may be considerably inferior. When you die, newer you already specific that you want your cash value together into your demise profit; your beneficiaries will not get the cash value you accumulated. So be effective to read the entire charge feature when applying for permanent life insurance, just to be effective there are no surprises when you die.

Is cash value a liquid asset?

Still cash value is like a liquid asset because you have the ability to remove money, you will be penalized and exciting a fee if you elect to remove money. A different result (and one that is not recommended) is biased removal. It should be prominent while, by charming out money this way, your demise profit gets cheap on a dough-to-dough origin.

A very joint way people take money out of their cash value is by charming out an advance obtains it. You don't have to pay it back, but the early complete, desirable the seven to eight percent pursuit that is tacked against it, will be full out of your demise profit when you die. This may brusque-change your beneficiaries depending on how greatly you allocated.

Another thing to keep in beware is when you remove money from your cash value, it may become payable. If it is meaning more than what you have rewarded on your life insurance rule, it may be taxed. Also, if you take out an advance obtains it, and you forfeit the rule or it lapses before you pay it back, you will be taxed on the difference of the advance complete and the complete complete of the premium.

Stable life insurance and cash value do take a while to accumulate, so if you're not very nervous about the detached imminent, a term life rule will be a better result.

When is intact life insurance the best bet?

If you require life insurance for the respite of your life, and you have high earnings, an intact life insurance strategy may be the right result for you. Many adult people like intact life insurance policies, because they use their cash value to pay off their premiums. Their life insurance stays active and their demise profit are cheap, but the complete left in the demise profit can be worn by beneficiaries to pay off their estate or taxes that have been incurred.

Making the picking

The picking is yours as to what kind of life insurance you should goods, says Roush, deciding factors depend on what kind of time entice you're looking at, and how greatly you are agreeable to pay in insurance premiums.

Comparing profit, a rule that is general and intact life insurance may be nine time more luxurious than a average term life insurance rule.

The complexities of the subject matter within this article strive to give you a better look at what this subject is all about.
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