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    Free Essay
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    Providing hope for the uninsured new plans for solving the healthcare crisis

     

    Perhaps there is hope for fixing the healthcare crisis after all. Hillary Rodham Clinton, author of a failed attempt to overhaul healthcare in the 90s, and Newt Gingrich, engineer of the 90’s Republican Revolution largely brought on by Clinton’s failed attempt, sat down together recently at a National Press Club session entitled “Ceasefire on Health Care” to discuss what they just might agree on. And they did agree indeed on several issues including, much to the surprise of some, Gingrich’s proposal to “voucherize” Medicaid. "There is enough money in the system right now to cover the uninsured," said Clinton. It’s not that the meeting was that earth-shattering, but perhaps it is a sign of a growing trend to piecemeal fixes to the healthcare crisis rather than starting from scratch. That we are, and have been, in a healthcare crisis is clear when you consider that over 44 million Americans have no insurance of any type. The reason for most is that they simply cannot afford any kind of coverage. Attempts to provide universal coverage or cause significant changes through federal mandates have failed. According to the Bush administration, the solution would be moving healthcare toward new association-based health plans, including HSAs (Health Savings Accounts) and consumer-driven health plans. “To make insurance more affordable, Congress must act to address rapidly rising health care costs,” says President George W. Bush. “Small businesses should be able to band together and negotiate for lower insurance rates so they can cover more workers with health insurance—I urge you to pass association health plans.” The use of association-based health plans is finally starting to catch on. These plans offer solutions for those who previously thought themselves to be “uninsurable.” A small but increasing number of people are taking a look at these affordable plans. One of the newer and more popular plans, the USA+ Guaranteed Acceptance Plan, includes a myriad of choices and benefits for its members. Membership in the plan allows members access to hospital indemnity benefits, prescription benefits, and disability benefits. It also carries provisions for medical, dental, accident, and vision care. It even includes several lifestyle benefits including road side service, travel benefits, and discounts on shopping, dining, and movies. “The USA+ Guaranteed Acceptance Plan is a product whose time has come,” says Richard J. Monello, President and CEO of Custom Health Plans, Inc. His company is a leader in providing the new product recently made available. “It is a true blanket guaranteed acceptance benefit package,” adds Monello. “The best thing is that everyone is accepted, even those with pre-existing conditions.” These new health plans, in addition to being great for consumers, are also beneficial for agents and brokers. “For those agents looking to strengthen their portfolio and provide healthcare coverage to the uninsurable, the USA+ Guaranteed Acceptance Health Plan is truly a first-of-it’s kind product,” says Jason A. Milz, Executive Vice-President of Custom Health Plans, Inc. “At last, there is a product that will address their growing databases of uninsured Americans and that will pay them a level commission for the life of the plan.” Monello’s company, Custom Health Plans, offers several different membership packages with different types and levels of benefits. “Finally, there is a solution for the 44 million uninsurable Americans who have no other options,” says Monello. ### For brochures and further information or to set up an interview with Richard J. Monello for a story, please contact Jay Wilke at 727-443-7115, ext. 223 or at [email protected]

         
    Pssst want to know a secret that banks car insurance companies don t share with you

     

    Every single driver in the U. S. is required to have Car Insurance. And most of drive around confident that we have adequate coverage to protect us should we ever be involved in an accident. Yet, almost 97% of all drivers are not adequately protected....and don't even know it. Here's what I mean. Let's say you're involved in an accident and it's serious enough that the car is considered a "total loss" by your Insurance Company. Or, maybe your vehicle gets stolen. A few weeks later, you get a check from your Insurance Company. When you look at the amount, you're shocked. It's thousands less than what you owe on your car. How can that be, you ask? Well, like most, your policy has this short clause buried somewhere in all that legalese - "In the event of a total loss, the policy holder will receive the actual cash value of the vehicle, minus any deductible." Did you catch the 3, very important words in that clause? The three words are - "actual cash value." Actual Cash Value means you're going to get a get a check for.... "What it's worth" not "What you owe.” Isn’t that a nasty little surprise. And like most, you owe quite a bit more than what the car or truck is worth. What would you owe your Bank or Credit Union if your car was totaled today? So, how do you avoid this situation? Well, when you buy a new or used vehicle, add a "rider" to your policy or purchase a separate "rider.” If you have Homeowners or Rental insurance, a "rider" might sound familiar. For a homeowner’s policy, if you own expensive items, like fine jewelry, you need to add a rider to your policy. The reason - Insurance Companies won't cover those types of items as part of a regular insurance policy. So, you pay an extra $5 or $6 a month to have those items fully covered by the rider." If anything ever happens to the jewelry, it gets replaced. A rider for your car or truck is called GAP Insurance or GAP Protection. It's just like the rider for your Home - except it's only for cars, vans, trucks or suv’s. It covers "What You Owe", not "What its worth.” It doesn't matter what the reason is - if it's ever totaled due to theft, fire, accident, flood, tornado, vandalism, hurricane, it's covered - and paid-in-full! You can protect yourself four different ways. 1. Put at least 20%-30% down on any new or used car purchase to erase any gap; 2. Purchase a "Rider" - AKA GAP Insurance from your Car Insurance Company or Bank; 3. Purchase Gap Insurance from another Insurance Company; 4. Buy Gap Insurance from the Dealership you're buying at. Any one of these options is great way to protect yourself. Whether you're getting ready to purchase a new car or truck, or purchased a vehicle in the last 2 years or so, make sure the "gap" between what your vehicle is worth and what you owe is covered.

         
    Purchasing car insurance online some things to know about online insurance

     

    The Internet has been a blessing to both the Insurance Industry and consumers who want access to a wide range of providers quickly. The benefits of purchasing your car insurance online are many, here's a few of them. For starters, you have an unprecedented ability to compare and contrast between policies online, simply flicking between windows, or in some cases taking advantage of specialty brokers who will send you a comparative cost quote in very short order. If the sheer convenience weren't enough, Insurance companies usually offer discounts if you buy your insurance online and save them the hassle of having to deal with you directly. It's not as if talking to insurance sales people ever made anyone's day, so you won't miss the experience, and you'll save some money. Insurance companies still offer very good customer service online if you're stumped, and making a quick call whilst surfing is much easier than waiting several days for them to send you a bunch of paper work that you may or may not understand. Do make sure however, that your details are processed over a secure server, and that full customer service is available once you have purchased your insurance. Don't be afraid to ask plenty of questions, and hold out for a provider that offers you a good deal and makes you feel satisfied at the level of assistance you receive. The Internet is also a good place to check out your intended companies reputation. Others may have had problems, or good things to say about the company. Consumer websites can also offer constructive recommendations to help you on your way, and advise you on ways to keep your premiums down, such as thinking about what sort of car you're going to buy to stay in a lower bracket, or keeping your record clean. Buying your car insurance online is a great way to save time and money. As always though, take your time and read those terms and conditions carefully.

         
    Really cheap car insurance you want it cheap start here

     

    Is there such a thing as really cheap car insurance? I don’t know how that happens unless you have a really cheap car that you hardly ever drive and nobody in your geographical area has had an accident in the last 20 years. That would drive the rates down significantly. The reality of that all occurring is somewhere between very slim and none. Car insurance is given its rates by insurance actuaries. They review claims experience in certain geographical areas along with driver age groups to obtain some of their criteria for determining rates. The kind of vehicle that you purchase has a lot to do with rates. Some vehicles have a very high theft rate. It’s just not that simple to come up with a low rate with all of these unknown factors. The logical approach to finding low cost insurance is to gather insurance quotes from several companies and from that you may be able to find the lowest comparative rate. Rating Factors 1. Geographical Area – You have no control over the driving experience in your own back yard. That still doesn’t negate the fact that your neighbors can affect your rates. The higher frequency of accidents in your area will increase the rates. The severity of accidents will also affect your rate. You will often find higher frequency fender bender accidents in the inner city while the rural areas may have more severe accidents because of higher speeds traveled on the open highways. 2. Vehicle Types – Older vehicles with physical damage are obviously cheaper. Sports cars and expensive sport utility vehicles will increase the rate. 3. Young Driver Discounts – Some companies have discounts for good students with a 3.0 grade point average along with a drivers training discount. When you put the two together it can be significant. 4. Retired Discounts and Mature Driver – Some companies have retirement discounts and mature driver discounts to lower the rates for senior citizens. These are just some of the many possibilities. Ask about available discounts when shopping for car insurance. Consider the area in which you live and adjust with the types of vehicles you purchase and how you arrange your coverage. Educate yourself more than you have before and you will help your cause.

         
    Reasons why you need life insurance

     

    Insurance is there to protect you from financial burdens. There are many different types of insurance. The most important would have to be life insurance. It helps your dependents after your death. When you have built up or thinking of building a family with the one you love you will probably sleep better knowing that they will be safe and secure after your death. Some financial obligation might be funeral expenses, mortgages, medical bills, college expenses for children and so on. So it would be good to have it all planned out before anything happens and you leave your family with nothing. How mush insurance you need depends on the individual. It depends on their lifestyle, financial needs, and sources of income, debts, and the number of dependants. You will probably be advised to take insurance that amounts to about 5 to ten times your annual income. It would be a good idea to sit down with an expert to talk about why you need and want the insurance and then what insurance plan will fit your need and be the most beneficial to you. Life insurance can also have a savings or pension component that helps during your retirement. If it’s planned out correctly life insurance on premature death can give the needed funds for bills, and living expenses. It can also prove to be a protection to your family. Some insurance polices have to see if you are eligible first. If you have a critical illness or term insurance for your children or spouse, it can deter your eligibility. Did you know you that having a valid insurance can be considered as a financial asset? That can improve your credit rating if you need health insurance or a home loan or business loan. So go and find out more about life insurance. You’ll be glad you did.

         
    Reliable life insurance company which companies are the best

     

    The life insurance industry is a carefully regulated industry. Every state has its own insurance department to monitor the activity of insurers. You very rarely hear of life insurance companies that dissolve because of financial problems. Insurance companies have to prove financial strength to operate in most states. Insurance commissioners have the authority to approve or deny rate changes. There are consumer guides that are available to help you compare companies. The AM Best Company is the most reliable resource in the industry. You can visit AM Best online and you will find all the information that you need about financial strength and product information. Life insurance companies distribute their products many different ways. The agent distribution system has been around a long time. The life insurance professional is a valuable resource for people that want an on going relationship with an agent. A lot of folks want the personal service that only an agent can provide. Life insurance can also be purchased through the mail. There are a number of companies that use direct mail as their distribution system. Insurance companies are also offering life insurance online. This is convenient for most folks that love to use their computer to make purchases. The online purchase can also lead you to an agent. That can give you the best of both worlds. You can begin the process by getting a quote online and finish the purchase with an agent from a company of your choice. The company best for you would be the combination of the financial strength and whether or not you prefer to be serviced by an agent. There is one more factor when selecting an insurance company. Do you want to purchase insurance from a stock company or a mutual company? Stock companies are owned by the stock holders while the mutual companies are technically owned by the policy holders. Mutual companies pay dividends. Stock companies do notpare the rates of a stock company with a mutual company first and then compare the rates of stock companies with stock companies and mutual companies with mutual companies.

         
    Renters insurance 101 explained

     

    If you rent a home or apartment instead of owning a house outright you may not think you have a need for insurance or believe that it is even available to you for that matter. The truth of the matter is that regardless of whether you own or rent it is a good idea to have insurance and even if you rent instead of buy you can qualify for insurance; it is known as renters insurance and it can be a safety net you can’t afford to miss. At a minimum renters insurance will cover your personal property such as furniture, clothing and electronics in the event of theft, fire or natural disaster. Renters insurance may also provide protection for you in the event that someone is injured while at your residence. There are several options available with renters insurance which can give you a lot of flexibility depending on your needs and how much you want to spend on it. Personal property coverage will cover just your personal property in the event there is damage related to fire, hail, smoke, vandalism, lightening, plumbing, etc. This type of policy will also cover your personal belongings in the event you are the victim of theft. In order to take out this type of policy you will fix a value on your property and the policy will be written for that amount. Make sure you determine an accurate value for your personal property or you may find yourself undercovered in the event of the unexpected. You can also take out personal liability protection which will protect you in the event that you are sued due to an injury incurred by someone while visiting your residence. This type of policy will cover related damage as well as relevant legal costs. The minimum for such a policy is usually $100,000 and will cover injuries or damage that is occurs while at your residence or that is caused by you, your children or pets. Another type of policy you may wish to consider is known as additional living expenses. In the event that you can no longer live in your rented residence because of a hazard that is covered under the policy, this type of coverage will pay up to 20% of the contents coverage amount in order for you to pay additional living expenses. This would include hotel costs as well as meals, laundry, etc. until your residence is ready to be re-inhabited. An improvements coverage allows you to apply up to 10% of your contents coverage in order to either replace or repair items that you redecorated or altered before a covered hazard occurred. In the event that you’re held legally responsible for fire damage to your place of residence, a fire legal liability policy will protect you. It is important to be aware that you are usually liable for deductibles with renters insurance just as you would be with any other type of insurance coverage. You can adjust the deductibles in order to lower the cost of your premium, which may make the policy more affordable.

         
    Renters insurance how much coverage do you need

     

    If you are renting a home or an apartment it is wise to purchase renters insurance. Some renters mistakenly believe that the property, home or apartment owner has enough insurance to cover their belongings in the event of damage or robbery. But in reality it is very possible that the renter will not have their valuables covered through the landlord's home or apartment renters insurance protection. Most landlords will have coverage for their dwelling, but not for your belongings inside. What exactly does renters insurance cover? Each policy will be different depending upon your needs. Your individual policy will take into account your wants and needs and can be designed for you specifically. However, most policies will cover the basics, damage or loss due to water damage (plumbing problems, etc.), theft, fire and other common occurrences. The smart thing to do is get some free renters insurance quotes online. Receiving online quotes can be fast and easy. Plus, the coverage you get now may help immeasurably when the unforeseen happens. Whether you need apartment renters insurance or want to insure your rental home or property there are many top notch insurance agents and companies online that will give you fast free quotes. Purchasing renters insurance may not be as expensive as you may think. Plus, it can go a long way toward saving you a bunch of money in the event of a catastrophe. If you would like to purchase cheap coverage online it's a very simple matter of starting with a few free quotes. After getting some free online quotes you can buy with confidence from some reputable online companies. Most insurance brokers can help provide you with rates and quotes that can be cheap while still giving you relief that your valuables are protected adequately. You do not want to be stuck without renters liability insurance when your apartment floods and destroys much of your interior and furnishings. You also do not want to be caught without insurance if a fire or earthquake catch you by surprise. You definitely want to have high quality coverage when someone breaks into your dwelling and steals your prized possessions. Start feeling safer by getting some cheap insurance quotes online and then buying good coverage at discount prices from reputable companies. In the event of the unforeseen, without insurance coverage you could lose most or all of your belongings, furniture and other personal items. This could be the cause of financial hardship which would have been prevented with a quality renters insurance policy. When purchasing renters insurance it's always a good idea to make a list of all of your belongings. On this list you should make note of the prices you paid for the items or their replacement cost. It's also a great idea to use a video camera to videotape all of your household items. Without a list it's very easy to forget what you owned or be able to prove that you actually owned specific items in the first place. Your inventory list and videotape should be kept in a safe place such as a fire proof safe. If this is not possible you will want to make two copies and store one at a relative's house or some other safe location off premises. It's also important to know what your coverage includes. Finding out what you are covered for after the fact can be an unpleasant experience. You do not want to be put in the position of finding out that you don't have adequate protection after all of your valuables are destroyed or stolen. So pay attention and make sure you know exactly what you are covered for. If you are renting you need insurance. Many people think "it won't happen to me," but it's better to be safe than sorry. Don't get caught without a policy when the unthinkable happens. Make sure you can recover from anything that will be thrown at you. With quality protection it will be a lot easier to sleep at night.

         
    Roadside eye catchers drive moterists to distraction

     

    UK drivers are putting themselves at risk because they struggle to keep their eyes on the road. Roadside objects such as billboards, flashing signs and Christmas decorations cause a third of motorists (32 per cent) to lose concentration while behind the wheel. And 41 per cent of these drivers confess to being distracted for up to 5 seconds – which equates to driving 15 car lengths at 30mph – two and a half times the stopping distance needed at this speed. At 60mph, this means drivers would find themselves travelling at least the length of a football pitch without their full concentration on the road. Overall roadside distractions are pulling the attention of 83 per cent of UK drivers away from the roads, Privilege finds. And it’s male drivers who are most affected as one in five (22 per cent) confess to being captivated by scantily-clad women on adverts, compared to just one in ten female drivers by semi-naked male models (11 per cent). As public spaces become cluttered with illuminating and moving visuals, 26 per cent of British drivers have been distracted by huge advertising hoardings, a fifth (21 per cent) by the new vehicle activated signs and 17 per cent by Christmas lights and decorations. Dr Mark Young, an expert in transport ergonomics at Brunel University, said: “While we currently know a lot more about in-vehicle distractions such as mobile phones than external distractors, there is a growing body of concern about the lack of any coherent strategy for arranging roadside furniture. “Drivers’ visual workload varies through the course of a journey, and at crucial times – negotiating a difficult roundabout, for example, there is a small but significant risk of distraction from novel stimuli like advertising. In fact, this risk is probably underestimated and we need to do more research on the possibility of excluding non-essential information when the driver is already busy dealing with the road.” Ian Parker, Managing Director of Privilege Insurance, said: “It appears that the development of new technologies, products and advertising techniques is getting in the way of road safety. The implications of the increase in eye-catching roadside objects such as illuminating signs has not been monitored until today. Privilege is providing motorists with tips on how to concentrate while driving amid the increase in distracting objects.” To help drivers focus on the roads, relevant signs and drive as safely as possible, Privilege is providing drivers with the following tips and advice: Try to take notice only of official signs and notices which are crucial for driving. Try saying them out loud as you pass them if it helps make you concentrate on them. If someone asks you what the last sign was, you should be able to tell them. Constantly scan the road environment for other potential hazards. Don't let your vision wander off from the beaten track. When you are stationary try to keep your gaze on the traffic in front – or any road signals. Listen to mid-paced music to relieve boredom, rather than allow your concentration to wander to roadside distractions. Privilege specialises in offering highly competitive insurance for safe drivers, with a guarantee to beat fully comprehensive renewal quotes for any driver with 4 years+ no claims discount. For a competitive Privilege quote, telephone 0845 246 8336 or visit privilege.

         
    Save at work to make securing your financial future easier

     

    Many Americans are lucky enough to work for employers who provide some form of savings plan for the benefit of their employees. Employer-sponsored savings plans can be an effective way to build a retirement nest egg. Through the benefits of tax-deferred compounding and, in many cases, employer matching funds, many people find they can save exponentially more through an employer-sponsored plan than they could on their own. The 401(k) plan is the most well-known employer-sponsored retirement savings plan in America that serves those who work for corporations. There is also a similar plan specifically designed for state and municipal government workers, known as the 457 plan. For tax-exempt employers such as schools, churches or charities, there are 403(b) plans. Whether a corporate 401(k), government 457 or a 403(b), these plans are known as defined contribution plans, which means the money you'll get out at retirement is defined based on how much you contribute. The beauty of defined contribution plans is that you can decide how much to contribute (up to the IRS limit of $15,000 in 2006) and how the money is invested among the options available in the plan. While some people feel comfortable determining how to invest within the retirement plan on their own, many prefer having the guidance of a financial professional help them choose the investment options that are in sync with their personal investment strategies, time horizon and risk tolerance. ING, one of the country's leading providers of employer-sponsored retirement plans, points out the distinct benefits of employer-sponsored retirement plans that make building a retirement nest egg easier: • Convenience of payroll deductions-your employer takes the amount of money you designate directly from your paycheck and stashes it into your retirement savings plan. For many people, this automatic feature helps them keep their retirement savings on track. • Pre-tax contributions-your overall income tax is calculated on a lower amount, making your income tax burden a little lighter, and there's more left in your savings plan to grow. You pay no income tax on contributions or earnings until your money is withdrawn. There may also be a 10 percent federal penalty for early withdrawal. • Some employers match employee contributions, adding "free money" to your retirement savings. • Workplace retirement savings plans allow contributions of up to $15,000, giving people who may be a little behind on reaching their retirement savings goals a chance to catch up a little quicker than they could by investing in a Traditional IRA, which does also offer tax deferral, but currently has a contribution limit of $4,000. • Professionally managed investment options within the plan oversee the strategy, objectives and management of the underlying investment funds. Another source of retirement income is an employer pension plan, but these types of plans are becoming less common in this new era of retirement planning. Known as defined benefit plans, where your lifelong income is defined based on the employer's promise of a specific monthly benefit after retirement, pension plans are becoming more and more rare, because of the complexity and costs required and shouldered by the employer. Some employers still offer pensions, though-for example, many teachers are covered by employer-paid pension plans-but they are increasingly being phased out. Without the big pensions of yesteryear, and with the future of Social Security uncertain, many retirees may find their plans for retirement income coming up short. Whatever employer-sponsored plan you have access to, you should give considerable thought to investing as much as you can, choosing investment options wisely, and monitoring and adjusting your investment options as your investment strategies or market conditions change. Remember, your financial security is up to you.

         
    Save big bucks on your car insurance

     

    : Insurance costs continue to rise, and car insurance is no exception. Depending on where you live, you can expect to see regular and sharp increases in your car insurance premiums over time. There has to be a better way! Fortunately, there is. Let’s examine several sure fire ways you can save money on car insurance. Examine Your Policy Is your policy correct? Are you listed at the right address? Even a one digit variation in your zip code can shoot your rates through the roof. Make certain that everything about you is listed correctly on your policy. Notify your insurance agent if there are mistakes. Go Shopping For car insurance, that is. Not all companies charge the same and new companies to the market may sweeten the deal for you in order to entice you to make a switch.

    Change Your Deductible A $250 deductible is fine until you discover that the cost for having a deductible at this level can send your rates skyward. Instead, think about a deductible as high as $1000 to save on premiums. Pay for minor accidents out of your pocket – you will come out ahead of the game. Get Rid of Collision Coverage If your car is worth less than $3000, think about dropping collision coverage. Yes, you will receive no compensation from your insurer if your car is wrecked, but the savings you gain by discontinuing collision coverage can be set aside by you as a down payment for your next car. Pull Policies Together Do you own a home?

    Do you have life insurance? If so, consider purchasing all of your insurance policies through one broker as you may be eligible to receive a discount from them for grouping together your policies. Get the Discounts If your car came equipped with certain safety and security features, make sure that your insurer knows about them. Some older model cars do not include air bags as standard equipment, however if your car has airbags and you aren’t receiving an insurance credit for them, notify your insurer to have your premium reduced accordingly.

    You can also reduce your insurance premiums by taking a Driver’s Education course, by making certain that all previous points that you accumulated on your license were expunged from your record, and by electing to purchase a less “risky” car – insurance risk, that is. By following the tips I have outlined in this article, you can save big bucks on your car insurance. Take control of your insurance costs and don’t assume that the insurance companies have your best interests at heart – quite frankly, some do not.

         
    Save big money on your car insurance now

     

    What if I could save you 10-20% of your yearly automobile insurance which can literally be hundreds of dollars? Very few people shop car insurance companies, yet we price shop in grocery and department stores every day. It is not that difficult. Do a little research (5 – 10 minutes) on the type coverage you have and I will help take you forward. I have no real secret here for some of you; BUT, make yourself do the following: 1. Get online and on the phone and get at least 7-10 estimates on car insurance. The more estimates the better. You will be amazed at the discrepancies in pricing. That alone will probably result in major savings for you. Make sure that each company is providing quotes on the same coverage. 2. Make sure the automobile insurance companies know you are getting estimates from others. It may help you get an even better rate. 3. Use the highest automobile insurance deductible YOU can afford. In other words, if something happens to your car, how much would you be able to pay out of pocket BEFORE your insurance money kicks in? 4. Eliminating full coverage on an older, paid off car may or may not be the best plan for you. If the car is not worth much, it is generally better to reduce your coverage. Analyze the cost of full coverage and determine if you want to eliminate that portion of the insurance. How do you analyze? Ask your current agent and one or two of the ones you are getting quotes from. That is it! It is just that quick and easy! START RIGHT NOW!!! Look for automobile insurance companies via Google and use your local yellow pages. Do it. Don't delay. And start enjoy the savings right now! Let me know via comments how much you saved. Good luck.

         
    Save money by getting a term life insurance quote online

     

    When deciding or choosing what life insurance is best for you, you can avoid feeling pressured into a policy by searching for a term life insurance quote online. The service is terrific and it can be a fast turnaround because you control how fast or slow the process can be. Getting a term life insurance quote online is as simple as the click of the mouse. With so many life insurance companies now operating on the Internet, all you have to do is log onto the various sites and check out the rates for term life insurance. When you check for a term life insurance quote online, you do not have to pay for the quote. This service is free and you should request quotes from at least three different companies. This way you can do a comparison of online life insurance quotes. Each of the companies has a form that you fill in and they will respond to you with the quote - usually in less than 24 hours. Some of the required questions you will have to answer to get a term life insurance quote online are your age, occupation, medical history and whether or not you smoke. All of these factors affect the price the online quote you receive. A younger person will certainly get a much lower premium than an older person because the likelihood that he/she will die within the term of the policy is much less. Your occupation is also a deciding factor in getting the best possible online life insurance quotes. This is because the life insurance company looks at the dangers involved. If you do work at a dangerous occupation, then it is possible the company will have to pay out a settlement on the insurance before the term runs out. One thing you do have to remember with getting term life insurance quotes online is that these quotes are for a specified term, such as 10 or 15 years. If you are still alive at the end of the term you do not collect any money from the policy. Whether or not the life insurance company needs you to have a medical depends on your medical history. If you have a record of heart disease for example, it will affect the term life insurance quote online that the company will give you. You many get a policy with a clause inserted saying that should you die of this illness, there not be any settlement paid out. You so have to be honest in answering the questions for the online life insurance quotes because it could result in cancellation of your policy down the road. Then you are left with no policy and you will have paid out money in premiums for nothing. However before getting a term life insurance quote online make sure you have found out exactly what type of life insurance you need.

         
    Save money on auto insurance

     

    : You just received your most recent automobile insurance bill and it has gone up once again. More than 10%, in fact! A little gecko is clamoring for your business and so are a handful of other companies that you even no less about. So, what should you do? Switching insurance carriers is one option, but before go through all the hassles of making a change, let’s first take a look at five ways you can reduce insurance premiums instantly. Bump Up Your Deductible. You can gain instant savings by increasing the deductible you are willing to pay. You may find a $1000 deductible for collision to make more sense and save you a considerable amount of money in the long run. Receive Discounts. If you park your car in a locked garage, have an alarm system installed, possess an excellent driving history, etc., make certain that your insurer is aware of all of this. Your premium should be adjusted downward to reflect your special security measures you’re your superior driving record. Change Your Coverage. If your vehicle is old, you many want to consider dropping collision coverage. Your comprehensive coverage may also be due for review. Finally, make sure that there aren’t pricey supplementary costs being assessed to you such as towing insurance.

    Your automobile club likely covers towing insurance and vehicle rental insurance; check your member’s agreement for duplicate coverage. Adjust Your Family Status. You may be paying more for your insurance if your policy shows that you are single when, in fact, you are married. Rates are generally less for married couples and for those in their thirties and beyond.

    Correct Your Address. Your insurance company may have you listed at the right address, but list you under the wrong zip code. You could be paying a higher premium for living in a “high risk” neighborhood. In some cases you can save money on automobile insurance by packaging it with your homeowners insurance. Lastly, discuss with your broker whatever other steps you can take to gain additional savings. You may have missed something or you may not be aware of a special program or offer in place.

         
    Save money on your auto insurance money saving car insurance tips

     

    Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money: 1. Shop around Sure, you’ve read this tip everywhere but it’s true. Only by shopping around for auto insurance coverage and getting quotes on premiums from several insurance companies will you be able to know for certain you are getting your car insurance coverage at the best available rate. When shopping for your auto insurance policy, remember to compare more than insurance rates. Ask about how insurance claims are approved and processed, and how quickly they’re paid. Look into each insurers’ financial stability (there are independent rating services that can help you with this.) Remember, during times of stress like after an accident you will be dealing with the insurance company and you’ll want to make sure you’ll be helped when you need it most. 2. Select a higher insurance deductible When you file a claim, a deductible is the amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significant—you can save hundreds of dollars off your insurance premium. Of course, the flipside is that if you should have to submit an insurance claim you are responsible for paying the deductible. So select the maximum deductible you can afford to pay—the higher the better because the difference in your car insurance premiums will mean more cash in your pocket. 3. Remove or reduce coverage on older vehicles If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy. You need to think about this one though - it's not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that’s worth about $1000, and your deductible was $1000, the coverage is not actually going to help you. 4. Ask about discounts Most insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of. The following is a list of a few of the more common discounts (if available in your state, each insurer will have different eligibility requirements): • Multi-vehicle discount - available if you insure multiple vehicles with the same insurer • Multi-line discount - available if you insure your home and auto with the same insurer • Good driver discount - if you have not had an accident or ticket in a long time • Good student discount - if you’re a student with good grades, usually about a B average • Safe driver discount - if you’ve taken and passed an accredited driver safety course • Anti-theft discount - if your vehicle has certain anti-theft devices installed • Safe vehicle discount - if your vehicle has certain extra safety features • Retiree discount - if you’ve reached a certain age, usually 50 or 55 • Low mileage discount - if your vehicle is not driven often • Occupational discount - if you work in a certain field or hold a certain degree • Auto club discount - if you are a member of an auto club, like AAA • Association discount - if you belong to certain associations, like your alma mater • Away-at-school discount – if your child is attending school out of town 5. Choose a car that costs less to insure If you’re purchasing a new car and have narrowed it down to two or three options, compare the auto insurance rates of each to see if there is a notable difference in the cost to insure. Remember, insurance rates are more for vehicles with high theft rates and repair costs. If there is a significant difference in cost to insure your first choice car, you may have to reconsider. 6. Drive safely OK, this one is obvious but true. Driver’s with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is an influential factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying a lot of extra insurance premium over the years.

         
     
         
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