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- Underwriting Life Insurance For Diabetics and Diabetic Life Insurance Information By Ashley Brooks
Life Insurance Companies differ in their "underwriting philosophy" when it comes to diabetes. Offering life insurance for diabetics can be risky if the underwriters are not fully trained. Underwriters at the insurance companies that are fluent in underwriting diabetes have the ability to look at all of these factors and determine if the company will accept them as a risk. Moderately controlled diabetes cases would usually merit a "rating" or an increase in the premium, but not necesarily a dec…
- 20 Year Term Life Insurance By Donald Lusan
One of the most popular life insurance policies is the 20 year term life insurance policy. The purchaser of the policy usually pays a level premium for the first 10 years. In some cases the premiums remain level, and at the same rate, for the entire 20 year period, however most companies increase the premiums starting in year 11 and they remain level for the balance of the 20 year term. This type of policy earns no cash values and there, therefore, are no dividends.This type of life insurance …
- Life Insurance Leads, Insurance Leads, and the Online Lead Generation Business By Ashley Brooks
I've long wanted to write an article about Internet Leads (Life Insurance Leads, Health Insurance Leads, Homeowner’s Insurance Leads, etc) and why they are a waste of money, time, and a drain on the Insurance Industry. Thank you ezinearticles for this powerful resource in communication!Insurance Agents all over the USA are getting solicitations every single day for one new lead program or another. The newest scam is Internet Insurance leads. Internet leads or leads generated on the Internet…
- Mortgage Protection – Easing Your Biggest Concerns By Michael Challiner
OK, now you have a lovely new home and with it comes a lovely new mortgage. With the average mortgage advance standing at around £150,000 it's a long-term commitment to repay a lot of money. The repayments also take a fair slice out of your monthly income.
What could go wrong with these financial arrangements and can you hedge your bets by insuring against the risks? After all you have a family to protect.
Most people would identify 5 main areas of concern, all of which boil down to your abi…
- Accident Factoids By Dan Baldyga
Accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American’s elect to drive (unless by the beginning of the 22nd Century we’re all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up; with no end in sight!There are more than 200,000,000 licensed drivers in the United States. (As of 2003 we’re close to a yearly 7 million motor vehicle accidents, involving well over 3.5 million injuries).Car acc…
- Cheap Auto Insurance and Cheap Car Insurance By Christian N
Cheap auto insurance is available. The only way to find cheap car insurance is to show determination and a willingness to research it. Have you had car insurance in the past but wasn't cheap auto insurance? Were your rates high and a strain on your wallet? If so, why not look into cheap auto insurance? Cheap car insurance is just the thing to help you save some money each month. There are ways you can find cheap auto insurance and still get the coverage you need most. Do you want only liabilit…
- Insurance Tips - which type of insurance is best for you?
While shopping for insurance, it is necessary to follow all steps so that you can select the best insurance that will provide you better opportunities at cheap rates. Select your insurance plan according to the changing environment.
Too much insurance means wastage of money and too little insurance can result into financial disaster for you and your family. In this article you will find insurance tips that will help you in making proper selection of insurance policy.
The first step is to decide…
- What Type of Doctor Should I See Under My HSA? By Daryl Kulak
You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.Since you will be writing a check or using your debit card to pay for these visits at the time of service, you will really notice how much it costs. Since you have a high-deductible health insurance policy (a must for an HSA), you will be spending HSA money for the first thousand or more dollars every year. It will hurt!Because of this, you may decide to look around. You might decide that it is…
- An Annuities Primer By Bill Willard
Though popular among today’s aging Baby Boomers and members of the Mature or “Senior” markets, annuities can be traced back to ancient Greece. The term “annuity” comes from the Greek word “annus”—or “year”—and refers to annual income payments. Similarly, in ancient Rome citizens would make one-time payments to a contract called “annua” in exchange for lifetime payments made once a year.In 17th century Europe, annuities were used as fundraising devices by governments to finance their ongoing wa…
- Need A Car Insurance Comparison? Don't Have Time? By Peter Crump
If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.A car insurance comparison rate is quite easy to do from home on your computer. This way you don’t have to spend time during the day contacting the various insurance companies during their business hours. You can sit down at an…
- Health Insurance Coverage By Mike Yeager
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40 million people in America are not covered by any type of health insurance on any given day. That's an enormous number of people who really are taking a financial risk.While most Americans are able to obtain some type of health insurance through their pl…
- Life Settlement: Towards A Free Market for Life Insurance By Jon Thomas
The Life Settlement market is all about providing due access to needed cash from existing life insurance.This so-called free market referred to as the life insurance industry's secondary market is based on a central premise, namely that the value of life insurance is best determined by independent market forces and has been validated in recent years by its rapid growth. It is also amazing to see the value creation and opportunities that this market presents. What it a life settlement and why m…
- Everyone Wants Affordable Whole Life Insurance Quotes By Peter Crump
Although term life insurance looks cheaper when you request free quotes, the whole life insurance quotes you get are much better. With whole life you are covered for as long as you live and keep paying the premiums. In whole life insurance quotes, the cost of the policy is stretched over a longer period of time, so you are actually paying less in monthly premiums.If you want to have a period of time when you don’t have to pay any premiums, you can have the whole life insurance quotes calculate…
- Making Changes to Your Enrollment Roster By Kris Hammock
Health insurance companies face increasing pressure to stay competitive in today’s marketplace. Having a competitive stance goes beyond offering affordable health benefits packages — it also involves having superior service, such as an efficient
billing and enrollment process, that provides a hassle-free experience for customers.The majority of billing and enrollment tasks involved in administering your health benefits plan are the responsibility
of your health insurance carrier. However, un…
- Independent Insurance Agents Unite! Insurance and Financial Discussion Forums are all the Rage By Ashley Brooks
The online discussion forum has emerged as the medium of choice for many Americans. Most recently, forum platforms like vBulletin, Infopop, and Snitz have enabled the novice webmaster to host and moderate their own forum. One of the areas that needs this type of medium the most is the Insurance and Financial Industry.To give you a little background, the online discussion forum is an updated version of the old bulletin board of the nineties. Members can join, post, and browse topics at will.…
- Auto Insurance Information Online - Compulsory Auto Insurance By Carrie Reeder
In 47 of the 50 United States, it is illegal to take a car onto the road without auto insurance. Compulsory insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. The states that require auto insurance set minimum amounts of coverage that guarantee that medical costs and property damage caused by the insured in case an accident is judged to be the fault of the insured. Another name for compulsory insurance is liability insurance.If yo…
- Family Travel Coverage
Family Travel Insurance Packages often provide savings to families helping them avoid high premiums and cost on single plans per individual. The family package includes children and both spouses. If the family has an 'extended' family, then the company will offer the 'Extended Family' policies, or else the Group Travel Plans. For example, if your family has ten or more members, then the travel companies will rarely offer the family packages, since these policies will not cover this number of peo…
- Finding Health Insurance for Self-Employed Individuals: A Guide For the Freelance Newbie By Tim Gorman
With a rise in those looking to venture out on their own in the business world, health insurance for self-employed workers is a priority. At first glance, obtaining health insurance for self-employed individuals may seem difficult and quite overwhelming. However, with research and education, finding the right policy can be done with ease.Self-employed insurance is for those who own a private business, or for freelancers such as writers, designers, artists, etc., who work on their own. Before p…
- When Your Health Insurance Plan Won't Pay
The very nature of managed care health insurance plans increases the likelihood of a legitimate health insurance claim being denied. Bear in mind that managed care (health maintenance organizations, or HMOs, and preferred provider organziations, or PPOs) exist for the purpose of controlling costs for the health insurance company. Many health care procedures, surgeries, durable medical equipment and drugs, particularly the more expensive ones, require prior authorization from the health insurance…
- Frozen Company Pension - The Options!
You can hardly have failed to notice that the prediction for UK pensions is not good. Like many European countries, the UK has an aging population and a decreasing birth rate. Whilst the workers are currently funding the old aged pensioners, it remains unclear how the next generation of old aged pensioners will be funded. Simply put, we are getting older and the pension scheme currently in place is not able to accommodate this.
As society's attitude towards work has also undergone a major tran…
- What Is Term Life Insurance? By Tim Gorman
There are two different types of life insurance, term life insurance and permanent life insurance. Term life insurance is the easier of the two plans. This plan supplies you with death protection for a pre-determined amount of time, anywhere from one to 30 years. If you happen to die while paying on this type of policy your beneficiary will be paid the amount of money you specified when purchasing the policy. If at the end of the term you are still living your death protection coverage wil…
- Need Low-cost Temporary Family Health Insurance? By Gerardas Norkus
Many families will find themselves without medical coverage at some point in their lives. So, what do you do if you find yourself in this situation? Here are some thing that you should consider when purchasing quality, low-cost temporary family health insurance.Low-cost temporary family health insurance is available for those under 65 and who are in generally good health. It also usually covers dependants under 19, as well. Although these policies are only good for six months or so, you can re…
- Buy Life Insurance Online and Save By Brad Triggs
There are many ways to research and buy a life insurance policy, but the fastest and most affordable way is to buy life insurance online. This way, you can supply the most accurate information and compare the greatest number of different quotes and terms to find the perfect life insurance policy for you.By buying life insurance online versus many of the traditional methods, you can compare rates and terms from almost every major (and minor) life insurance company out there. Insurance companies…
- Do I Need Travel Insurance? By Fern Kuhn
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans—HMOs, PPOs and PPG's. For some travelers, they may have Medicaid, and for those over 65 years have Medicare. All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions.So think before you travel and check your exis…
- Converting An Unwanted Life Insurance Policy Into Ca$h By Afra AmirSanjari
Do You Own A Life Insurance Policy That You No longer Need or Want?
It is possible that you may be able to can get a CASH settlement in excess of the
current cash surrender value by selling your policy in the secondary market to an
investor.Reasons To “Sell” A Policy:Family Situations
Estate Tax Revision
Business Was Sold
Drain On Income
Divorce – Separation
Death of A Spouse
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Tips for Finding a Trustworthy and Reliable Insurance Company
Insurance is one of those things few of us like to shop for, or even think about, but finding a trustworthy and reliable insurance company is one of the most important tasks for any person. Whether it is an insurance company to take care of your home, your car or your life, insurance is an essential part of life, and the policy you choose can have a profound impact on your life in an emergency.
There are of course many different types of insurance, and in many cases there is a specific insurance…
Nature's Fury - Time to Check Your Insurance By Thomas Murrell
The communities of Exmouth and Moora in Western Australia don't have a lot in common with Sydney.But this year there is a uniting bond. All have felt the full force of Mother Nature.Flooding in the Wheatbelt town of Moora caused an estimated $10 million dollars worth of damage to homes and property. Cyclone Vance ripped through Exmouth in the North West of the State costing the community millions more. Sydney's hailstorm bill has topped $1 billion and is still rising.All this is a timely remin…
Premiums on any type of insurance is subject to change, however there are factors that force the increases. The premiums may increase on certain types of insurance if the laws change, and if the policyholder has 'Re-viewable Policy' the premiums are reviewed on scheduled 'intervals,' between the first year and up to five years. Therefore, you premiums may increase if you have claimed a number of times on your insurance. Again, it depends on the insurance coverage plan.
Many of the Guaranteed Pla…
A CPA Talks About Buying Life Insurance
Not everyone needs life insurance. The first thing to do is make sure you need it. Life insurance is really meant for your family members or other dependents who rely on your earnings.
Why You Buy Life Insurance
You buy life insurance so that, if you die, your dependents can live the same kind of life they live now. Strictly speaking, then, life insurance is only a means of replacing your earnings in your absence. If you don't have dependents (say, because you're single) or you don't have earni…
Typical RV Insurance Quotes By Elizabeth Morgan
How much a recreational vehicle (RV) insurance policy will cost depends on several factors. These factors include many of the same factors that affect car and homeowner insurance rates. Some issues that affect RV insurance rates are; the number of previous accidents the principal driver has, the make and model of RV, the state the RV is located in, and how many additional drivers who will need coverage drive the RV. Other factors include the value of the vehicle, the total cost of the RV, t…