Buy Insurance Before YOu Play Game

It's now common to buy insurance before you play any game. It is so dangerous because game can spoils your eyes sight.
Don't cheat and hack game.

maternity woman insurance

xbrain taught me a good maternity insurance for woman

Ameriplan - Dental Health

If you don't like insurance, you have another choice similar like the insurance, it is call Ameriplan. Either single applicant or family can get benefits from this plan. This Ameriplan is a new product that can be classified as a good innovation alternative for the insurance.
For a price below $20, you can expect more than a good service from Ameriplan. You can get like Dental, Vision, Prescription and Chiropractic discount benefits. You can save up to 80% of he price for the dental cost.
If you suffer from backache, you can get about 50% discount for the diagnostic and x-ray services. You can save your money for something more important and you just pay like $19 - cheapest plan to get all those benefits by Ameriplan.

Auto Insurance - 5 quotes

Buying a new car is not complete if you don't buy the insurance too. Auto insurance is a need. Government has set up a rules for each car has their own insurance to protect the owner and also financier.

Auto Insurance Remedy provide you with the full service auto insurance for anyone. It includes all kind of policies plus a way for you to shop, compare and save. They have like 1000 licensed of insurers and agents that will provide you a fast quotes from a simple form that you have to fill.

Car insurance quotes are easily to get but to choose the best plan for you is a tougher decision to make. Car insurance quotes can be found here. What you have to do is to fill in a simple form and they will come out with 5 quotes.

Before you commit to them, please read their terms and condition. Read them carefully and if you are satisfy with the terms then only you proceed with the quotes.

Why do you neglected the importance of insurance?

Insurance nowadays has become a great tool that can save your live and your pocket. How can we say, it is a must to have an insurance? I must say it is a need to have one but to find a good and right for you is a difficult thing to find and decide.

Homeowners insurance is customize for people who wants to insured his or her own house. When you have a home insurance, then your investment and your family also being protected under this policy. You can save a lot if something out of your control happens to your house.

Health insurance is the only insurance that people might take it for granted. Try imagine if you are a self-employed, jobless, student and you felt sick - you have to fork out your own pocket money to support your life. It must miserable when you don't put it into your monthly budget.

If you think about protection for your future - then go and search for one good insurance.

Your One Stop Insurance Brokerage

Talking about insurance, every working adult must has their own vision about insurance. Insurance category is widen from day to day. Starting from the conventional insurance scheme to the investment plan. The problem is how to choose the insurance correctly to suitable your needs. Every insurance agents promise the best but not every agent or company can deliver the promised things well.

One stop Insurance Brokerage which provide us with the greatest information and service proven to be the good starting point to have all the info right in your hand. Owned by Sleightholm Insurance and founded in 1945, looks very strong point to have your insurance there. How they can sustained a very long period of time.

One stop Insurance brokerage has many different type of insurance like investments, life insurance, auto and home and also business insurance. Looking at the life insurance quote, they only provide the Canadian quote which I think they must have it for another country also in order to widen up their customers base.

The Sleightholm Insurance's website is not a friendly user website. They should do more on the website to attract the internet customers since now the potential to get customers from the internet is broaden. They have under the contact us section which you can fill up the form then the person in charge will call you to assist on the problem you have.

Term Life Insurance Quotation

Did you know that over 50% of bankruptcies are medically related? Yeah you must be shocked with this fact. It is true and I quote this from the term life insurance quote website. It is scary but then you have to accept the truth.
Many of us neglecting the needs of insurance. Afraid of the cost that you have to pay every month. In the longer term, you will win because of the cost of hospitalization is higher from year to year.
Insurance website in the internet are coming up day by day but not all of the website provide the quotation. You have to call or mail them to get the quote.

Termco website provide you with a nice calculator which situated in front of their front page. Put in your particular and also your body height and weight. The company also has a nice toll free number which you can call them directly at their number : 1-800-588-1251

If you like the quotation service, you can ask for the newsletter. By subscribing the newsletter you can't miss any opportunity offered by the Termco company. Termco also have a list of agency that you can call up and make appointment with them.

Affordable life insurance

Insurance services from the Affordable Health Insurance company is a good choice for someone who wants to start purchase an insurance. By browsing at their website, you can see a different between their company and other competitor.

Everybody looking for the budget insurance for their health or life but cheaper product does not covered much but this affordable health insurance by this company makes you feel great. You can afford the price offered by this company.

If you have any question or problem regarding the life, health, medical, house or auto insurance, you can find the solutions here. Nice PR3 website and nice template.
What fabulous in this affordable health insurance website is their website provide a link directory which you can submit your website here to be listed on their directory.

Don`t miss this opportunity and let`s see what are they offering..
Visit http://www.1healthinsurance.net/

Low Cost Health Insurance

If you are staying in Michigan, and you dont have any insurance cover on medical you SHOULD read this.

For the low income family :

Low income families can purchase Michigan health insurance for their children from the Michigan MIChild or Wellchild program for $5 a month. Expectant single mothers of low income also can qualify for maternity coverage under this program. They can be reached by calling 1-888-988-6300.
-Quoted from the http://www.lowcostinsur.com
Please do consideration on this low cost health insurance for Michigan and all states.

Up there i do a screen shot from the low cost insurance program. Try to navigate through all the button there and you will find a solution to your needs. They provide solutions for the seniors citizen, life insurance, low cost medical insurance. homeowner insurance, long term insurance.

Try to quote your insurance in the low cost medical insurance website.

travel insurance

inspiring world
or you need a travel insurance for free

walla walla walla

inspiring world

Insurance - Still Worry About Your Future??

I still recommend you guys to take up the insurance policies because you will not sure what is happening in the future.
Focus in Malaysia, you have a lot of choices here..

Eg :
AIA
ING
MAA
Prudential
Maybank Takaful
Takaful Malaysia, Nasional

Anything can goes

New updated blog, nice..

Malaysia, by bank negara, has provide new webpage for malaysian

What is the Consumer Education Programme?
The Consumer Education Programme (CEP) on insurance and takaful is known as InsuranceInfo and is a joint effort between Bank Negara Malaysia and the insurance and takaful industry. The InsuranceInfo is designed as a long-term programme to provide educational information to enable consumers to make well-informed decisions when purchasing insurance or takaful products. InsuranceInfo aspires for consumers to be in a better position to select insurance or takaful products that best meet their needs as well as to understand their rights and responsibilities as consumers of insurance or takaful products and services.


InsuranceInfo aims at:
· providing and disseminating information on insurance and takaful products and services, important terms and conditions as well as exclusions of insurance policies, and the rights and responsibilities of consumers, in a clear and simple manner;

·
giving useful tips to consumers when deciding to obtain insurance or takaful products and services; and

·
advising consumers on how to seek redress if consumers are not satisfied with the services of an insurance company or takaful operator.


How can you get access to InsuranceInfo?
The information channels of InsuranceInfo include the following:-

·
through a series of booklets on common products and services that are available at selected branches of insurance companies and takaful operators. The booklets cover the following broad topics:

–
General Information

–

General Insurance


–

Life Insurance


–

General Takaful


–

Family Takaful

· through the website, www.insuranceinfo.com.my which is the primary channel to inform you about insurance and takaful products and services, current issues and other matters. This website will be regularly updated to ensure that you get adequate and timely information.

·
through articles that will be published in major newspapers.


What else will be coming up?
Several initiatives are being planned to continuously enhance the level of consumer awareness and knowledge on insurance and takaful matters. The initiatives include:

·
providing you with information on a wider range of products and services, as well as your rights and obligations in regard to these products and services;

·
organising activities to disseminate information to widen the programme coverage; and

·
carrying out programmes to improve the level of awareness among specific consumer groups such as students and the newly employed.


What will be the end result?
The availability of more information and better understanding of insurance and takaful matters will enable you to make better decisions in choosing the insurance and takaful products and services that best suit your needs. Knowing your rights and obligations under the policy contract will also facilitate you in making insurance claims and seeking redress through the proper channels in the event of dispute with your insurance company or takaful operator. As a better-informed and active consumer, you will assist in establishing a more effective and efficient insurance and takaful industry.

AirAsia - New Product (Travelling Insurance-Cheap)

I read in the newspaper this morning, Airasia has produce one cheap but good product to fulfill the needs of a traveler.

GoInsure Turns 1 Come Celebrate With Us!
Buy GoInsure Now! With exciting gifts to be given out, everyone can be a winner…

Gifts:
a. The 700th guest who purchases a GoInsure policy daily within the Contest Period will be eligible to participate and win a RM100 meal voucher by answering 3 questions correctly.
b. Every 500th guest who purchases a GoInsure policy daily within the Contest Period will be eligible to participate and win an AirAsia gift voucher worth RM50 by answering 3 questions correctly.
c. Every 300th guest who purchases a GoInsure policy daily within the Contest Period will be eligible to participate and win a Dynabook by Toshiba 512 MB thumb drive worth RM50 by answering 3 questions correctly.
d. All guests* who purchases a GoInsure policy within the Contest Period will automatically qualify for a FREE RM50,000 Personal Accident coverage for 3 months.
*The free Personal Accident coverage is applicable for all citizens and permanent residents of Malaysia aged 16 to 75 years old that purchased GoInsure Travel Protection. All insured young guests from 2 to 16 years old are only entitled to 20% of the full adult benefits.

How do I qualify?
Just purchase a GoInsure Travel Protection policy that has been approved within the campaign period to qualify for contest participation. Qualified participants will receive an email with 3 questions. All correct answers must reach the dedicated email address (GI.1stAnniversary@aig.com) within 1 week from the date of receipt of the contest email to win a gift using the email template sent.

The 1st Year Anniversary Campaign contest is exclusively brought to you by AirAsia Berhad and American Home Assurance Company, Malaysia.

The contest period runs between 16th April 2007 and 31st May 2007. It is open to all GoInsure purchasers. AirAsia GoInsure Travel Protection is underwritten by American Home Assurance Company, Malaysia, a member company of American International Group, Inc (AIG). For full contest details and terms and conditions, please click here.

Complimentary With Every AirAsia GoInsure Policy Purchased.
Grab your AirAsia GoInsure Policy today and obtain additional Accidental Death coverage of RM50,000 for FREE!
For three months from date of purchase, you* and your family* will have extra peace of mind knowing that our Accidental Death insurance is activated to provide financial assistance should any unfortunate events happens – whether at home, work or on holiday –
24 hours a day.
All young guests* named in the GoInsure Guest’s list will be protected too – they are each entitled to 20% (i.e. RM10,000) of the full adult benefits.

Click here for a copy of the GoInsure Value Protection Policy.

Note:
1. Applicable for all AirAsia GoInsure guests who have been insured with an AirAsia Travel Protection Insurance will receive one free AirAsia GoInsure Value Protection.
2. Each eligible guest will be entitled to ONE free AirAsia GoInsure Value Protection only.

Frequently Asked Questions

1. What kind of benefits do I get with AirAsia GoInsure Value Protection?
AirAsia GoInsure Value Protection will cover you a lump sum of RM50,000 upon Accidental Death.

2. Who is entitled for AirAsia GoInsure Value Protection?
All citizens and permanent residents of Malaysia aged 16 to75 years old will receive one free AirAsia GoInsure Value Protection. All Insured dependents from 2 to under 16 years old will receive 20% of the insured’s benefit.

3. When will my coverage begin?
Your AirAsia GoInsure Value Protection will be effective the date when you have successfully purchase the AirAsia GoInsure Travel Protection Policy and you will be covered for 3 months from that date.

4. Am I covered at home, at work and at leisure?
Your AirAsia GoInsure Value Protection policy will cover you 24 hours a day worldwide from the effective date, whether you are at work, at home, travelling, or playing sports other than professionally.

5. What is excluded under this policy?
There are very few exclusions and they are detailed in the policy contract. In brief they are: suicide, disease, AIDS, pregnancy, criminal acts, injuries caused by participating in professional sports or accidents caused by war. Also excluded armed force personnel involved in military operations, as well as crew members of licensed private or commercial aircraft.

6. Do I need any medical check up?
Neither you nor your dependent will be required to do any medical check up.

7. How do I file a claim?
Call American Home Assurance’s Customer Service at 1-800-8888-11 within 30 days from the date of the accident.

8. Who should I call if I have an inquiry?
For all AirAsia Value Protection inquiries, call American Home Assurance’s Customer Service at 1-800-8888-11, 9am to 5pm, Monday to Friday.

9. Who is American Home Assurance Company?
American Home Assurance Company is a member company of American International Group, Inc. ("AIG"), the world's leading international insurance and financial services organization, with operations in more than 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. AIG's common stock is listed in the U. S. on the New York Stock Exchange and ArcaEx, as well as on the stock exchanges of London, Paris, Switzerland and Tokyo.
Terms & Conditions Apply

The Retirement Red Zone®—

The Retirement Red Zone® is a very real, anxiety-producing period of time for people on the cusp of retirement and those who have just entered retirement. Yet the majority of people surveyed by Prudential didn't know how to help minimize the effect of losses during this time so that they wouldn't derail a long-planned retirement.

As described in Are You Ready for the Retirement Red Zone®?, Prudential defines this period as the five years before and the five years immediately following retirement. The Retirement Red Zone® is a critical time for retirement savings because short-term portfolio losses can have devastating long-term effects. With retirement imminent or already under way, not many recovery options exist.

Find out more about the Retirement Red Zone^SM

Risks not understood
Few of the 1,000 survey respondents (about an equal mix of pre-retirees and retirees) knew how to deftly navigate the Retirement Red Zone®:

• Almost two-thirds (63 percent) didn't realize how dangerous stock market declines in the early years of the Retirement Red Zone® could be.
• Twenty-seven percent had never even considered the problem, with women more likely than men to be unaware of the risk.
• Only 23 percent of respondents agreed that it was “very” critical to minimize losses in their retirement nest egg during this time.

Long-term impact
The reality is that the Retirement Red Zone® can't be avoided. However, the way you handle this very important time period can have an enormous impact on your standard of living in retirement and your peace of mind.

As the chart below shows, the risk of portfolio losses sustained in the Retirement Red Zone® have more dire consequences than those experienced at other times.

* This example is hypothetical and does not represent the performance of any particular investment.

Source: "Are You Ready for the Retirement Red Zone®? Prudential Financial Listens to Over 1,000 Americans in the Retirement Red Zone," 2006.

Annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. Securities products and services are distributed by American Skandia Marketing, Incorporated and Prudential Investment Management Services, members SIPC. All are Prudential Financial companies.

Investors should consider the contract and the underlying portfolios' investment objectives, risks, charges, and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained from your financial professional. You should read the prospectuses carefully before investing.

IFS-A120623 Ed. 10/2006

MAA - 20 Paymaster Guaranteed

Plan Description

The world around us is constantly evolving. Life evolves and is unpredictable. You however, can guarantee yourself some peace of mind by protecting your family and your loved ones against any mishaps. Your family depends on you, and there's no substitute for your love and support. With 20 PayMaster Guaranteed we will take that worry from you. 20 PayMaster Guaranteed is a plan that allows you to at the very least, guarantee permanent financial security for your loved ones.

20 PayMaster Guaranteed gives you more than just guaranteed lifetime insurance protection…it's also an attractive savings plan. This plan rewards you in the form of guaranteed annual cash payments until you reach age 88. What's really great about 20 PayMaster Guaranteed is the longer you invest in the policy, the higher will be the potential returns. It really comes in handy for your children's further education or your own retirement, or perhaps even as a down payment for a dream home.

This plan can be an effective way of protecting your family's assets by giving you certainty in more ways than one, such as…

Plan Benefits

Guaranteed Annual Cash Payments (GACP)
This plan rewards you with guaranteed annual cash payments. The guaranteed annual cash payments are yours to use as you wish…like purchasing a supplementary term insurance, or simply cash it in. Better still, leave it to accumulate¹ in the policy, and let the cash grow further, just for you!

Entry Age	Policy Year	Guaranteed Annual Cash Payments (% of Basic Sum Assured)
0 - 30	1 - 19th	Nil
	20th - 30th	6%
	31th & Above	8%
31 - 50	1 - 14th	Nil
	15th - 30th	6%
	31th & Above	8%

¹ The interest rate for accumulation is not guaranteed and is dependent on the performance of the policy.

Guaranteed Limited Premium Paying Term
With 20 PayMaster Guaranteed, you only have to pay basic premiums for 20 years - with the assurance that basic coverage is guaranteed up to age 88. You can opt to pay your premium annually, semi-annually, quarterly or monthly. Simply put, it’s peace of mind - for you and your loved ones whom you care so much about.

Guaranteed Lifetime Coverage
It provides you with whole life coverage until age 88…guaranteed!

Maturity Benefit
If you keep the policy until age 88, you’ll be rewarded with maturity benefit in the form of 100% of the sum assured. It’s our way of saying thank you for staying with MAA Assurance.

Protect the Financial Security of Your Family
In the event of untimely death, it protects the financial security of your family by providing the sum assured.² The proceeds can help ease the crippling effects of financial strains like home mortgage payment, so your family can keep the house and maintain the lifestyle they are used to. It can also help cover your child’s education expenses; so that one day, your child will grow up to become an endearing personality.

Protection Against Total and Permanent Disability (TPD)
In the event of TPD before age 60, it pays you the sum assured.² You can use the proceeds to take care of medical costs, or settle outstanding financial commitments.

² Sum assured is defined as the Basic Sum Assured (SA) if the Basic SA plus GACP paid is greater than the total basic premium paid (TPP) under the annual payment mode. Otherwise, TPP will be payable.

Who is Eligible ?
You can be insured with 20 PayMaster Guaranteed if you are between 0 (30 days) and 50 years old.

Looking To Enhance Your Coverage ?
Because we understand your need for flexibility, we have given you the option to tailor the plan to suit your particular lifestyle by making a whole range of riders available - just for you!

CarInsurance.com is Available For OnLine User

You are ready to buy your first car. Researching the right vehicle can be a daunting task. You search for the right type of vehicle you need, the color you want, the type of interior. You have spent countless hours narrowing down the right vehicle for you. You find out what the MSRP (Manufacturer's Suggested Retail Price) is by using the following services:

• Offline
  • Consumer Reports Magazine
  • Auto Week Magazine
  • Your local newspaper's auto section
  • Local dealers
• Online:
  • Consumer Reports
  • Edmunds.com - www.edmunds.com
  • Kelly Blue Book - www.kbb.com
  • NADA guide book - www.nadaguides.com

Now you have the right model in mind. You are ready to purchase a car. You now have a good idea of how much you should spend, how much you are willing to spend.

You go to the dealership and spend hours negotiating a price. After you have agreed to a price, the sales clerk asks do you have insurance. Because this is your first vehicle, the thought never crossed your mind. The sales clerk says you will not be able to drive the car off the lot until you have secured insurance. You get out a phone book and start calling around for insurance quotes. You get several prices and you are instructed that you must come to the insurance agency to fill out paperwork. You must then go back to the dealership and show them your insurance policy. This has been a long and stressful day.

Carinsurance.com is ready to help. How can you get the best deal on auto insurance?

Use carinsurance.com at the dealership and you will be able to purchase insurance and print your proof immediately (in available states). With carinsurance.com, you get to shop around and look for the best deal. Find out if you save with carinsurance.com when you get your auto insurance quote. In addition to great rates and reliable coverage, carinsurance.com offers tools and information to help you understand your auto insurance coverage better.

Whether you are a first time car buyer or a seasoned pro, carinsurance.com offers you the ability to shop for insurance in one easy website. Next time you are stuck at a car dealership, go to a computer, type in carinsurance.com and find the best rate without leaving the store.

A CarInsurance.com Customer Said:

Very honest, simple and easy going...more than that, a great price!

Robert B.
Palm Bay, FL

Thank you for reading about carinsurance.com is available at all dealerships...with internet access!!... Please see if we can save you money with a car insurance quote!

Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.

Articles written by CarInsurance.com have a copyright and cannot be reproduced or republished in any way or form without the written consent from CarInsurance.com. You may use our RSS feed with an active link to our site.

Should I Buy Rental Car Insurance

Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web sites.

Keep in mind; you may not need to buy this additional car insurance because you have auto insurance from your own car insurance company. Generally speaking, when you rent a car, the liability coverage limits you have in your own auto insurance policy remain in effect with the same limits. In addition, the comprehensive and collision coverages you have in your own auto insurance policy remain in effect with the same deductibles. You do have comprehensive and collision coverage don't you? See our article, "How Much Car Insurance Should You Buy?" for a listing of coverage types and definitions.

You may also have some kind of additional auto insurance coverage through your credit card but it is important that you check your credit card information for specific details. Some cards only offer coverage if you rent your car from a particular agency. Some limit the days for which coverage is available. Some will only provide coverage for certain types and/or classes of cars. With some cards, the coverage is not automatic and you must enroll in a program to get coverage. Some cards that advertise automatic rental insurance really only reimburse you for the deductible that you would have to pay under your regular insurance policy. Still others may provide only collision and comprehensive coverage, leaving you exposed for personal injury or property damage to others. Rental car agencies typically offer liability coverage in two parts - a supplemental liability policy protects against claims from others and a Loss Damage Waiver (LDW) covers the rental car. LDW is not technically insurance; rather, it is a company's agreement not to hold the consumer liable for loss from all or part of any damage to merchandise.

Before you rent a vehicle, realize the charges you could be responsible for and how these charges are covered or not covered by both your own auto insurance policy and the car insurance the rental company is offering.

If you suffer a loss that is not covered under your auto policy, check your other insurance policies. For example, if personal property has been stolen from your rental car, it may be covered under your homeowners or renters policy. Similarly, certain medical policies may cover costs of injuries not covered by your car insurance policy.

As always, check with your insurance company to find out exactly what is covered under your own auto insurance policy. Remember, for quick quotes and the easiest way to buy car insurance on-line or over the phone, visit us at http://www.carinsurance.com

A CarInsurance.com Customer Said:

Good experience....

Lisa S.
Homosassa, FL

Thank you for reading about should i buy rental car insurance?... Please see if we can save you money with a car insurance quote!

Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.

Articles written by CarInsurance.com have a copyright and cannot be reproduced or republished in any way or form without the written consent from CarInsurance.com. You may use our RSS feed with an active link to our site.

Factors That Affect Your Car Insurance Premium

Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.

• Age
  Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records.
• Gender
  Women are statistically safer drivers, but that trend is changing as more female drivers get on the road.
• Marital Status
  A married person will pay less than a single person with an identical driving record.

You can think about these factors and determine what you can do to change them in your situation. You may be able to save on insurance based upon these decisions:

• Geography
  Where you live makes a difference. Folks living in areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.
• Driving Violations
  Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.
• Vehicle Type
  A cheap car will cost less to insure than that status symbol SUV sitting on 24" rims.
• Accident Claims
  A driving record that is clean and free of accidents will hold far better for you than lots of tickets and/or accidents.
• Credit Rating
  Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium. Monitor your credit rating free to see if you can get a better score. A better credit score will save on insurance premiums.
• Occupation
  Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.
• Education
  A higher education can save on your premiums.
• Driving distance to work
• Miles driven each year
• Years of driving experience
• Business use of the vehicle
• Whether or not you currently have auto insurance and how high are your limits
• Theft protection devices (often results in discounts)
• Multiple cars and drivers (another opportunity for discounts)

What can I do right now to make sure I have the lowest premium?

Shop around and compare quotes from different insurers. CarInsurance.com puts many insurance companies on one site so you can compare them in one place. Carriers base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.carinsurance.com makes it easier because you can quickly see multiple companies and their rates for your particular situation. Where do I go for quotes?

One stop can take care of it all. Go to www.carinsurance.com where you can receive multiple quotes, pick the best price, and then purchase. Get covered immediately on-line or over the phone. It REALLY is the easiest way to purchase car insurance. Enter your zip code above.

A CarInsurance.com Customer Said:

It has been excellent getting insurance with you. I have tried other places and they said I had to go elsewhere. With you I was able to purchase the insurance immediately. I am very happy with your service.

Carlos C.
Kissimmee, FL

Thank you for reading about factors that affect your car insurance premium... Please see if we can save you money with a car insurance quote!

Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.

Articles written by CarInsurance.com have a copyright and cannot be reproduced or republished in any way or form without the written consent from CarInsurance.com. You may use our RSS feed with an active link to our site.

Simple Steps To Filing Your Car Insurance Claim

Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you get over this speed bump as smoothly as possible.

They aren’t really accidents. They are more of an incident. Usually they are an incident that you would like to forget.

• Understand your policy before a loss, sit down and carefully read your insurance policy. Call your agent or company if you have any questions about what is or is not covered.
• Make sure everyone is okay and check to see if anyone needs medical attention. Even if your injuries are minor, you may still want to have them checked out at a hospital or with your family doctor. Minor injuries can become major, long-lasting injuries.
• Exchange information when you are involved in an accident, get the other driver's name, address, phone number, insurance carrier, and insurer's phone number. Be prepared to give the same information about yourself to the other driver. You can find insurers’ telephone numbers on the proof-of-insurance cards that should be carried on your person when operating a motor vehicle.
• Identify witnesses and ask witnesses to the accident for their names and phone numbers in case their account of the accident is needed.
• File an accident report and contact local law enforcement officers to have an accident report prepared. If law enforcement is not reachable, accident reports and detailed instructions are available at all police departments, sheriff's offices, your local Department of Motor Vehicles office, and on your local Department of Motor Vehicles' web site
• Notify your insurer by contacting your insurance company about the accident as soon as possible. An insurance adjuster will review the accident report to determine who caused the accident. If the accident was not your fault, you can have either your insurance company or the at-fault driver's insurance company handle the repair or replacement of your vehicle. If you use the other driver's company, you will not have a claim on your automobile policy and you will not have to pay a deductible.
• Do not release insurers too early. Do not relieve your insurance company of its responsibility until the damages are settled to your satisfaction. For example, have your insurance company handle the claim if the other party's insurance company questions its policyholder’s negligence or offers an unacceptable settlement.
• Consider these settlement factors.
  • Bodily injuries: You may be entitled to a monetary settlement for injuries caused by another at fault (liable) party. It can take several days for some injuries to become apparent.
  • Damages: The insurance company is responsible to pay for the reasonable cost of repairs to your vehicle. An insurance adjuster will assess the damage. Usually, insurance companies and auto body shops negotiate disagreements about what should be repaired. If you disagree with their conclusions, you have the right to obtain another appraisal at any auto body shop.
  • Appraisal clause: Most auto insurance policies include an appraisal clause, which can be used to help settle disputes about physical damage claims between you and your insurance company. (The appraisal clause does not apply for claims you file with the other party's insurance company.) If you cannot reach an agreement with your company, you or your insurer can initiate the appraisal clause. Your appraiser and your insurer's appraiser then select an independent umpire to try to resolve the dispute. Check your policy or ask your agent or insurance company for more information about the appraisal clause.

And that is it. While filing a claim is certainly no fun, following these seven steps will make the process almost as easy as getting free quotes and purchasing your car insurance at CarInsurance.com.

You can read more about insurance claims in our extensive claims question and answers section.

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Do We Need Tort Reform For Auto Safety

Europe has significant safety features for automobiles that are either standard or optional equipment for their vehicles. These features have not been introduced here in the US. Why?

Could a lack of tort reform be the culprit? It boggles the mind. This was a topic of discussion at an April 21, 2004, meeting of Advocates for Auto and Highway Safety.

What is tort reform and why does it affect car insurance? Tort reform is used by its advocates to describe a change in the United States civil justice system that will limit tort litigation and damages. By doing so, it will reduce litigation’s adverse effects on the economy.

Michael Sanders is the global director for automotive safety for DuPont Performance Materials. Some of the new technologically advanced safety features he told the board about were side curtain airbags, laminated glass, radar-based rear obstacle detection, rear view camera systems, anti-trap technology for windows, an advanced rear seat belt reminder, and pretension seatbelts. Many of these features are standard or optional equipment in Europe. The significance of this is that the market penetration of these features in Europe is deep while they have had relatively no impression here at home.

What is keeping these potentially important safety features out of the grasp of American drivers? You may be surprised to learn that the group believes our litigious society, the contingency fee system, and our court system are reasons such safety equipment is not available in the US and why most of the suppliers are in Europe. What can be done to solve the problem? Unfortunately, it will require more regulation. This seems to be a never-ending spiral of deeper and deeper red tape in order to simplify and safeguard our driving risks. An example of this is to have carefully drawn regulatory standards so that consumers cannot sue auto companies for failure to use such equipment in the past. The group felt that availability of such equipment as standard equipment (OEM) on U.S. cars is probably dependent on tort reform.

We may see a change in this arena.

The U.S. Class Action Fairness Act of 2005 shifts many large class-action lawsuits involving parties from state to federal courts. This may or may not be a good thing. Erasing the needless burden of state litigation with more bureaucratic federal litigation may subvert the constitution’s intent. This Act removes many class action lawsuits from the jurisdiction of state courts. Business groups had lobbied for the legislation, arguing that class-action lawsuits enriched trial lawyers.

The Act accomplished two key goals of tort reform advocates:

1. Reduces the likelihood that out-of-state defendants will be subject to what proponents deem are excessive verdicts, by reducing settlements that may occur in plaintiff-friendly local venues.
2. Enacts procedures for the review of coupon settlements, to reduce attorney's fees that are deemed “excessive” relative to the benefits actually afforded class members.

The Act gives federal courts sole jurisdiction to certain class actions in which the amount in controversy exceeds $5 million, and in which any of the members of a class of plaintiffs is a citizen of a state different from any defendant, unless at least two-thirds or more of the members of all proposed plaintiff classes in the aggregate and the primary defendants are citizens of the state in which the action was originally filed.

We will see if it leads to safer cars and lower insurance rates.

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Which Car Should You Own To Keep Your Insurance Rates Most Affordable

Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at the color of the cars, how many doors they have, and even break them down type. The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through the Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on the ways losses vary among different kinds of vehicles. 4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to the convertible Chevrolet Corvette that has over5 times the average theft rate. You may have known that. However, did you know that the Toyota Celica has a 67% higher chance of theft than the Toyota Camry? In addition, even though the 2002 Lexus IS 300 gets a "best pick" rating from the Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of the same car are some of the most costly in terms of collision claims. "One of the factors that come into play there is the cost of repairing an expensive vehicle," says Russ Rader, with the Insurance Institute for Highway Safety. These are the 2006 "best picks": Large Ford Five Hundred Mercury Montego Audi A6 Minivans Hyundai Entourage Kia Sedona Small Honda Civic Saab 9-2X Subaru Impreza - big improvement from previous years Midsize Saab 9-3 Subaru Legacy Audi A3 Audi A4 BMW 3 series Chevrolet Malibu Lexus IS Volkswagen Jetta Volkswagen Rabbit Volkswagen Passat What about safety? You may be surprised at some of the results. For example, the Porsche 911 has a 67% less chance for injury claims than the norm. Go figure. The Mitsubishi Lancer has almost double the injury claim rate over the norm. Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down: Models that are among the most expensive for theft claims include: Cadillac Escalade four-wheel drive Chevrolet Corvette Convertible Lincoln Navigator four-wheel drive Jeep Cherokee four-dorm 3 series Models that are among the least expensive for theft claims include: Buick LeSabre Buick Park Avenue Volvo V70 Station Wagon Mercury Grand Marquis four-door Models that are among the most expensive for injury claims include: Suzuki Esteem four-door Kia Rio four-door Mitsubishi Mirage two-door Kia Spectra four-door Models that are among the least expensive for injury claims include: GMC Sierra 2500 two-wheel drive Chevrolet Silverado 2500 GMC Yukon XL 1500 four-wheel drive GMC Sierra 2500 four-wheel drive Chevrolet Tahoe two-wheel drive Models that are among the most expensive for collision claims include: Subaru Impreza WRX four-wheel drive four-door Lexus IS 300 4 door Hyundai Tiburon two-door Porsche 911 Coupe Acura RSX Models that are among the least expensive for collision claims include: Ford Excursion two-wheel drive GMC Safari four-wheel drive GMC Sierra 2500 GMC Yukon XL 1500 four-wheel drive Source: The Highway Loss Data Institute A CarInsurance.com Customer Said: Everything was very smooth, quick and easy. Thanks for everything! Domenick G. Jacksonville, FL Thank you for reading about which car should you own to keep your insurance rates most affordable?... Please see if we can save you money with a car insurance quote! Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only. Articles written by CarInsurance.com have a copyright and cannot be reproduced or republished in any way or form without the written consent from CarInsurance.com. You may use our RSS feed with an active link to our site.

Is your Insurance Company rated

Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision. Does your insurance company have the financial strength to safeguard you and your family? If the company cannot pay future claims or benefits, other issues become far less relevant. Financial strength ratings are an analysis of a wide variety of risks that could affect an insurance company's long-term viability. Insurance companies have failed or ceased to operate due to inadequate financial strength, competitive forces, or changing dynamics in the marketplace.

Standard & Poor's Ratings (http://www.standardandpoors.com)Financial strength ratings of insurance companies, plus detailed financial Insurer Profiles on nearly 4,000 companies.

Fitch Ratings (http://www.fitchratings.com) Financial strength ratings of insurance companies.

Have you heard of the company where you are considering purchasing coverage? Do you have any experience with the company?

Ask your peers what experiences they have had. What is your sense of the reputation of the company? How quickly and easily are claims processed? Is there 24-hour claims service? Is the claims management in the house of the insurance company or have they outsourced? Auto insurance is meant to make you whole in the case of an accident with injury or property damage. It is to protect your assets and protect you from liability. You will want the peace of mind of a superior rated company when it comes time to manage and pay the claim. The financial health of a car insurance company is an often-overlooked area when shopping for the best auto insurance rate. It is human nature to make your comparison solely on the rates for the coverages. While this is certainly important, you should be aware of the company's overall rating and level of satisfaction. Consulting insurance company ratings is crucial. Each insurance company issues a quarterly report that is publicly accessible. You cannot always tell the future from the past. However, the past performance is a valuable insight into what expectation to have for your future coverage. One of the factors that are used in order to determine the companies' ratings is how long they have been in business. If there is no history, you may be taking an unnecessary chance. Look for a company that has a history and make sure that history shows good performance.

What about the reputation of the insurance company? It is very simple to find this information. Just ask around. There are your peers, the BBB, and family. Many times these resources closest to you will be able to share experiences that are favorable or unfavorable regarding the company you are considering. In addition, each state has a Department of Insurance that keeps public information about companies. Use all the resources you can to determine which company is best for you. Once you have paid for the policy, you will then become keenly interested in customer service. Be aware of what the source of information is regarding the insurance company. Many companies put our information about themselves in the form of illustrations that are intended to make them look as good as possible. Of course, while these illustrations must be factual, you should be aware that you are not receiving objective information.

How can you quickly check the company rating? You are on the internet now. Surely, there is a quick way.

Go to http://www.carinsurance.com. Not only will you get the rates of various insurance companies, you will see the A.M. Best rating for each company along side their rates for you personal situation.

Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

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Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.

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How Much Car Insurance You Should Buy

Car insurance isn’t very exciting. Depending on which state you live in, it could be a smaller or larger piece of your budget than your neighbors across state lines.

How much insurance should you buy? Any insurance agent worthy of their salt will tell you that you should buy as much as you can afford. While this is a good rule of thumb, it's about as useful as a stock broker's tip to buy low and sell high. It might be sound logic but it doesn't get you any closer to an educated decision. There are a few filters that need consideration in order to make that educated decision. First, what is the state required minimum coverage where you live? Second, what does the minimum cover? Third, what other coverage is available and can you afford it? And fourthly, what are you protecting?

What is the minimum for your state?

You can get up to date state minimum requirements by following this link and selecting your state.

State-By-State Requirements (validated June 2006):

State	Type(s) of Coverage Required	Minimum Liability Limits*
AL	Bodily Injury and Property Damage Liability (effective 6/2000)	20/40/10
AK	Bodily Injury and Property Damage Liability	50/100/25
AZ	Bodily Injury and Property Damage Liability	15/30/10
AR	Bodily Injury and Property Damage Liability	25/50/25
CA	Bodily Injury and Property Damage Liability	15/30/5
CO	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
CT	Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist	20/40/10
DE	Bodily Injury and Property Damage Liability, Personal Injury Protection	15/30/5
DC	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
FL	Property Damage Liability, Personal Injury Protection	0/0/10*
GA	Bodily Injury and Property Damage Liability	25/50/25
HI	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
ID	Bodily Injury and Property Damage Liability	25/50/15
IL	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/15
IN	Bodily Injury and Property Damage Liability	25/50/10
IA	Bodily Injury and Property Damage Liability	20/40/15
KS	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
KY	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/10
LA	Bodily Injury and Property Damage Liability	10/20/10
ME	Bodily Injury and Property Damage Liability, Uninsured Motorist, UnderinsuredMotorist	50/100/25
MD	Bodily Injury and Property Damage Liability, Personal Injury Protection (may bewailed for policyholder but compulsory for passengers), Uninsured Motorist	20/40/10
MA	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	20/40/5
MI	Bodily Injury and Property Damage Liability, Personal Injury Protection	20/40/10
MN	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured and Underinsured Motorist	30/60/10
MS	Bodily Injury and Property Damage Liability	10/20/5
MO	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/10
MT	Bodily Injury and Property Damage Liability	25/50/10
NE	Bodily Injury and Property Damage Liability	25/50/25
NV	Bodily Injury and Property Damage Liability	15/30/10
NH	Financial Responsibility Only, Underinsured Motorist	0/0/25*
NJ	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	15/30/5
NM	Bodily Injury and Property Damage Liability	25/50/10
NY	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
NC	Bodily Injury and Property Damage Liability	30/60/25
ND	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/25
OH	Bodily Injury and Property Damage Liability	12.5/25/7.5
OK	Bodily Injury and Property Damage Liability	10/20/10
OR	Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist	25/50/10
PA	Bodily Injury and Property Damage Liability, Medical Payments	15/30/5
RI	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
SC	Bodily Injury and Property Damage Liability, Uninsured Motorist	15/30/10
SD	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/25
TN	Bodily Injury and Property Damage Liability	25/50/10
TX	Bodily Injury and Property Damage Liability	20/40/15
UT	Bodily Injury and Property Damage Liability, Personal Injury Protection	25/50/15
VT	Bodily Injury and Property Damage Liability, Uninsured and Underinsured Motorist	25/50/10
VA	Bodily Injury and Property Damage Liability, Uninsured Motorist	25/50/20
WA	Bodily Injury and Property Damage Liability	25/50/10
WV	Bodily Injury and Property Damage Liability, Uninsured Motorist	20/40/10
WI	Financial Responsibility Only, Uninsured Motorist	0/0/10*
WY	Bodily Injury and Property Damage Liability	25/50/20

*The first two figures refer to bodily injury liability limits(which are not required in all states) and the third figure refers to the property damage liability limit. For example, 20/40/10 means coverage up to$20,000 for each person injured in an accident, up to a maximum of $40,000 forth entire accident, and $10,000 worth of coverage for property damage. These state minimums are based on the most current information available. In addition, some states are "no-fault" states which additionally require Personal Injury Protection, a.k.a. PIP. You should check your specific state’s requirements to verify these figures.

What do the minimums cover?

Now that you know what your state requires, what are you actually covered for once you purchase the minimum? Using the coverage definitions that follow, find the types of coverage required and see what your state says is the accepted minimum.

Coverage Definitions

Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit, without jeopardizing your personal assets. Bodily injury liability covers injury to people, not your vehicle. Therefore, it's good idea to have the same level of coverage for all of your cars. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy.

Comprehensive Physical Damage Coverage Covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket. Coverage is limited to the terms and conditions contained in the policy.

Collision Coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car. Coverage is limited to the terms and conditions contained in the policy.

Medical Payments covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. Does NOT matter who is at fault. Coverage is limited to the terms and conditions contained in the policy.

Uninsured Motorist Coverage covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy

Personal Injury Protection Coverage covers within the specified limits, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on first-party basis, without regard to fault. It is only available in certain states.

Property Damage Liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.

Rental Car Reimbursement covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident.

What else is available and can you afford it?

Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing the coverage definitions? Chances are you did. Can your budget afford the additional expense of these protections? Or maybe more to the point; can you afford NOT to have these additional protections? At CarInsurance.com it's easy to get multiple quotes all with a click of your mouse. And during the quoting process, it's simple to add or remove coverage to see how additional coverage will affect your budget.

You can learn more about Insurance Coverages by following this link.

What are you protecting?

What assets need to be protected from being plucked away if you cause injury or damage? A) Your car itself. If this is a significant asset, or at least the bank you owe money to thinks so, then you will need comprehensive and collision. B) Your net worth. Do you have an enormous net worth to protect. If so, either get it out of your name and into a trust or buy all the insurance you can. If you have little or nothing to protect, then you can get by with less and still be financially responsible.

However, after you determine how much protection to get, always ask how much more it is for the next level higher. Very often, you can get significantly more coverage for very little cost.

Car insurance isn't flashy. There is no "wow" factor and the opposite gender isn't going to be impressed by the size of your policy. But not having enough can be the difference between financial stability and financial ruin. For what its worth, CarInsurance.com finds financial stability incredibly appealing.

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Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.

Articles written by CarInsurance.com have a copyright and cannot be reproduced or republished in any way or form without the written consent from CarInsurance.com. You may use our RSS feed with an active link to our site.

A Greener Big Apple

A plan aimed at improving New York City’s environment has been unveiled by Mayor Michael Bloomberg. Among the proposals, the idea to charge an $8 congestion fee to drivers entering Manhattan at peak hours during the week. A series of cameras would capture license plates, either charging the car’s commuter account or generating a bill. Modeled after a similar congestion charge introduced across the pond in London in 2003, the plan may have significant implications for auto insurers and their policyholders. It’s easy to identify a few potential benefits right away. As the risk of auto accidents increases in areas of high traffic density, a reduction in the number of vehicles on the road could have a positive effect on auto claims. For drivers who decide to leave their car at home and take the train instead, the lower average miles per year driven could reduce the price they pay for auto insurance. What is not so certain and perhaps up for debate is how the new technology under such a scheme might intersect with the auto insurance underwriting process. What are your thoughts?

Top 10 Things to Know About Life Insurance

We all recognize the importance of life insurance. After all, we want to make sure that our loved ones are taken care of when we die. But before you run out and purchase a policy, do some research ahead of time. That way, you'll be sure to get the best possible coverage at the right price. Here are some helpful tips to get you started:

1. Shop around
2. Never buy more coverage than you need
3. The healthier you are, the better the rates
4. Buy sooner rather than later
5. Realize the importance of periodically reviewing your coverage
6. You don't necessarily have to pay a commission
7. You may be paying more for monthly premium payments
8. Don't rely solely on the life insurance offered by your employer
9. Tell the whole truth and nothing but the truth
10. Buying more is sometimes cheaper

Shop around
When it comes to life insurance, it pays to shop around because premiums can vary widely. And thanks to the Internet, it's now easier than ever. Try out one of the many insurance websites that can provide you with instant quotes. Make sure the website you shop from takes into consideration the factors in your medical history that can affect the premiums.

Never buy more coverage than you need
The key to purchasing the right amount of life insurance is to have just enough coverage to meet your needs. If you have more life insurance than you need, you'll be paying unnecessarily for higher premiums. On the other hand, it's important not to have too little coverage, resulting in you being underinsured.

The healthier you are, the better the rates
It's true – healthy people get better rates on life insurance. You will be asked to pay a higher rate for anything that shortens your life expectancy (e.g., if you smoke, take medications regularly, are overweight, have a bad driving record).

Buy sooner rather than later
If you've been putting off purchasing life insurance because you don't want to pay the premiums, you may be doing yourself a disservice in the long run. The younger you are when you purchase life insurance, the lower your premiums will be.

Realize the importance of periodically reviewing your coverage
Any life change signals the need for a review of your overall financial plan. When it comes to life insurance coverage, you'll want to make sure that this major life event (e.g., birth of a child, children are grown) won't leave you underinsured or overinsured.

You don't necessarily have to pay a commission
One of the reasons for higher premiums is that most life insurance policies pay commissions to the agent/broker. However, you may be able to purchase a no-load policy through an insurer that sells no-load policies directly to consumers.

You may be paying more for monthly premium payments
You may not realize it, but you may be paying more for your life insurance if you pay your premium in monthly installments. Many insurance companies charge extra fees if you make monthly premium payments instead of paying the annual premium.

Don't rely solely on the life insurance offered by your employer
Many employers offer their employees some sort of group life insurance. But this amount of coverage is usually not enough to adequately meet your life insurance needs. In addition, group life insurance policies are not portable, meaning that if you leave your job, you can't take your life insurance coverage with you.

Tell the whole truth and nothing but the truth
If you're thinking about lying on your insurance application, think again. If your insurance company finds out that you lied about a health-related condition or your lifestyle (e.g., smoking habit), they may be able to terminate your coverage.

Buying more is sometimes cheaper
Life insurance usually costs less per thousand dollars once you get into higher coverage amounts (e.g., $250,000). If the numbers work out, you may be able to pay a lower premium while increasing your coverage.
Please note that this description/explanation is intended only as a guideline.

Insurance Need Or No Need

Regardless to say, with the environment getting dirtier and dirtier, many of us has declined to take further action to prevent themselves and their family from getting effects from this scenario.

Case Study 1 :

Best friend of mine, working adult with a family to take care off. Salary of him roughly around 3k per month. His monthly household income is about 5k monthly. 3kids to raise up.His company doesn`t provide he and his family with the medical benefits. Sad but true. He does plan everything to do with his life so perfectly, but one thing that he does not take serious, about getting insurance policies. (click here if you wanted to know detail).

We As a friend always tell him to get any insurance cover for hi to cover any of his family member but he said like, ohh..insurance is bullshit.. We said “at least you take any home insurance seems your house is under mortgaged. He doesn`t care of getting any insurance at all!! Sadly but true,he passed away last week and her wife came to me and cried out all nite long because of the debt that he left for her wife to settle. He being lucky of getting rid his debt to his wife..

If you analise, this is the example how good insurance is. Take it as as simple like this, take the basic coverage of the insurance such as home insurance of life insurance. Make sure that the insurance can cover all the debt that you live in before.

Please don’t hesitates to learn more on insurance, please d visit here to get to now how good insurance is : http://www.insuranceportalonline.com/


Employers are on the hunt - researching benefit tools that are low-cost, easily administered and satisfy their employees’ needs. One such tool is pre-paid group insurance. We examine the benefits of having such a work-benefit option from an employer’s perspective.

The first benefit employers expect from legal insurance plans is increased productivity and efficiency. Today’s employees are interested in a variety of benefits to balance their work with their life requirements. Given that most American household had an issue with law last year that might have led them to hire a lawyer, it’s only normal that a legal benefit would increase
employees’ morale and efficiency.

Having legal benefit as part of a work-benefit package can help the company recruit and retain the best employees. In this age of work-benefit hysteria, many prospective employment candidates base their career choices on the set of benefit package provided by employers.

Cost containment is another benefit. With less time and resources to be used for personal matters, the company expects to make significant savings on administrative costs.