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    Save on affordable and reliable insurance auto business health life homeowners renters group

     

    These days insurance have been swarming the four corners of the United States. Whether we like it or not, insurance is a need. Why? There is no denying the fact that one disaster can have a devastating effect on a firm, a family and an individual. It can be damage, bankruptcy and death to name a few. What are the factors that we should consider and how can we know the insurance that we need. CAR/AUTO INSURANCE One has to consider the purpose of owning it whether for personal use, for public transport use like a private taxi, or use for transportation of goods and industrial materials. Age is also a major consideration. Old vehicles pay a higher premium than new ones. The type and model of the vehicle has a major role also. When buying car/auto insurance online, there are sites that provide automated tools. They’re using an auto coverage analyzer where you have to answer a few question about your financial standing, automobile condition, etc. From this information it will generate what category of coverage you need. BUSINESS INSURANCE There are insurance companies which have policies that combine protection for all major property and liability risks in one package. But you could also go with a separate coverage which is called a business owner’s policy (BOP). For protection against flood damage, find out if your office is in the flood zone-area. And if so, you must go for a policy that provides coverage against flood. Special Earthquake Insurance Policy or Commercial Property Earthquake Endorsement can cover you if you live in an earthquake-prone area. However, its policies have different deductibles. Meanwhile, Business Interruption insurance, reimburses you for the lost income during a shutdown only applies to damage covered under this policy. On the other hand, Terrorism Risk Insurance Act 2002 covers loss due to any terrorism only for those businesses that have this coverage. Injuries and deaths due to acts of terrorism are exceptions in worker’s compensation. HEALTH INSURANCE With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. If you have insurance, many of your costs are covered by a third-party payer (insurance company/employer), not by you. KINDS OF HEALTH INSURANCE Group Insurance Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. Group insurance is generally the least expensive kind. In many cases, the employer pays part or all of the cost. Some employers offer only one health insurance plan. Some employers offer a choice of plans. These are: a) Fee-for-Service Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals. You can choose any doctor you wish and change doctors any time. You can go to any hospital in any part of the country. The insurer only pays for part of your doctor and hospital bills. b) Health Maintenance Organizations (HMOs) Health maintenance organizations are prepaid health plans. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy. c) Preferred Provider Organizations (PPOs) The preferred provider organization is a combination of traditional fee-for-service and an HMO. Like an HMO, there are a limited number of doctors and hospitals to choose from. When you use those providers (sometimes called "preferred" providers, other times called "network" providers), most of your medical bills are covered. Individual Insurance If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. You can get fee-for-service, HMO, or PPO protection. But you should compare your options and shop carefully because coverage and costs vary from company to company. Individual plans may not offer benefits as broad as those in group plans. Tips when shopping for individual insurance: • Shop carefully. Policies differ widely in coverage and cost. Contact different insurance companies, or ask your agent to show you policies from several insurers so you can compare them. • Make sure the policy protects you from large medical costs. • Read and understand the policy. Make sure it provides the kind of coverage that's right for you. You don't want unpleasant surprises when you're sick or in the hospital. • Check to see that the policy states: the date that the policy will begin paying (some have a waiting period before coverage begins), and what is covered or excluded from coverage. • Make sure there is a "free look" clause. Most companies give you at least 10 days to look over your policy after you receive it. If you decide it is not for you, you can return it and have your premium refunded. • Beware of single disease insurance policies. There are some polices that offer protection for only one disease, such as cancer. If you already have health insurance, your regular plan probably already provides all the coverage you need. Check to see what protection you have before buying any more insurance. LIFE INSURANCE There are two basic types of life insurance: term and permanent. Term insurance is purely life insurance while permanent (aka "cash value" or "whole life") policies include a savings element. Benefits of a Term Life Policy: If you die during the term of your policy your beneficiaries get paid - that's all there is to it. You aren't paying anything extra to fund a savings account or cover investment fees. And because the market is so competitive for term insurance, companies have a huge incentive to keep prices low. With relatively little effort you can compare, shop and assure yourself of a good deal. You pay only for what you need when you need it. You typically need life insurance coverage for a specific period of time (until the kids are out of college, for instance). Benefits of a Permanent Life Insurance Policy: A permanent plan can give you access to some or all of the premiums that you have been paying for in a way favorable to your taxes. It's with you until you die. This type of policy coverage is guaranteed for your life with no out of the blue payment increases. A term policy will expire at a certain date, and a renewed policy could have much higher premiums. Maybe the best reason for a permanent policy is to make sure your estate and investments don't get eaten up by the government. A permanent policy can provide peace of mind that your family and loved ones will be taken care of for the future. Remember, the decision to buy a permanent or a term life insurance policy will depend on your situation, your age, your financial well-being, and other factors. If you are a young family with some investments to protect but not financially stable a term life policy might be a good idea to protect those investments and your family. However, if you are financially stable with considerable investments, it may be a better decision in the long run to purchase a permanent plan.

         
    Second to die life insurance

     

    Usually, the death benefit from a second-to-die life insurance policy is intended to go to the children , a charity or pay taxes owed after both spouses pass away. In the U. S. there is a marital deduction permitting you to leave an unlimited amount of assets to your surviving spouse with no taxes payable at your death. Those assets then become part of the estate of the spouse and if it includes a second to die life insurance policy it could help pay any taxes. In Canada, there is more lenient tax treatment. There are also tax ramifications for small businesses, which is why business partners also purchase second-to-die policies. THE REASON TO BUY SECOND TO DIE LIFE INSURANCE POLICIES With a second-to-die life insurance policy your beneficiaries can pay debts with the proceeds of your policy, so they won't be forced to sell your house or liquidate assets to pay the bill. A second-to-die life insurance policy can help to construct a financial plan reducing the tax burden of wealthy individuals by creating trusts and using second-to-die life insurance as part of the estate-planning process. ADVANTAGES TO SECOND TO DIE LIFE INSURANCE POLICIES 1. Less expensive. Second-to-die life insurance is usually less expensive than life insurance but depends on the blend of the ages. The premium is based upon the joint life expectancy. 2. Estate Preservation. A second-to-die policy appeals to individuals who feel strongly about preserving their estates with the life insurance paying the taxes. 3. Easier to buy. It's easier to qualify for a second-to-die policy than for individual life insurance. Since both insures must die before the benefit is payable, the insurance company is less concerned that one of them might not be in good health. * Builds your estate. In some cases, second-to-die life insurance is marketed as a way to build an estate, not just insulate it from taxes. Much like individual life insurance, the death benefit of a second-to-die policy can ensure that certain people receive money, even if you spend every nickel. 4. Second-to-die life insurance might make sense for people who don't have a lot of money but want to leave an estate for their children.

         
    Second to die life insurance policies

     

    Usually, the death benefit from a second-to-die life insurance policy is intended to go to the children , a charity or pay taxes owed after both spouses pass away. In the U. S. there is a marital deduction permitting you to leave an unlimited amount of assets to your surviving spouse with no taxes payable at your death. Those assets then become part of the estate of the spouse and if it includes a second to die life insurance polciy it could help pay any taxes. In Canada, there is more lenient tax treatment. There are also tax ramifications for small businesses, which is why business partners also purchase second-to-die policies. THE REASON TO BUY SECOND TO DIE LIFE INSURANCE POLICIES With a second-to-die life insurance policy your beneficiaries can pay debts with the proceeds of your policy, so they won't be forced to sell your house or liquidate assets to pay the bill. A second-to-die life insurance policy can help to construct a financial plan reducing the tax burden of wealthy individuals by creating trusts and using second-to-die life insurance as part of the estate-planning process. ADVANTAGES TO SECOND TO DIE LIFE INSURANCE POLICIES 1. Less expensive. Second-to-die life insurance is usually less expensive than life insurance but depends on the blend of the ages. The premium is based upon the joint life expectancy. 2. Estate Preservation. A second-to-die policy appeals to individuals who feel strongly about preserving their estates with the life insurance paying the taxes. 3. Easier to buy. It's easier to qualify for a second-to-die policy than for individual life insurance. Since both insureds must die before the benefit is payable, the insurance company is less concerned that one of them might not be in good health. * Builds your estate. In some cases, second-to-die life insurance is marketed as a way to build an estate, not just insulate it from taxes. Much like individual life insurance, the death benefit of a second-to-die policy can ensure that certain people receive money, even if you spend every nickel. 4. Second-to-die life insurance might make sense for people who don't have a lot of money but want to leave an estate for their children.

         
    Secure your car for lower car insurance premiums

     

    A question often asked is whether or not securing your car will help to reduce your UK car insurance premiums. Will this is certainly a factor you need to discuss with your car insurance company, you should note the following: Steering Wheel Locks While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car insurance companies will not allow for the fact that you have one to affect the level of your car insurance premium. In short, if the thief is a professional, steering wheel locks are not much of a deterrent. Immobiliser If your car has an immobiliser system inserted – such as the Thatcham Category 1 – then you should be talking to your UK car insurance company about ways to reduce your car insurance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car insurance company will be willing to listen to when discussing ways to reduce your annual car insurance premium. Garage 26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car insurance company as there is a very good chance that this will cause you to have a reduced car insurance premium! Remember, however, that if you arrange to have a car insurance discount based on the fact that you’ll be locking your car away all night, you’ll need to make sure that’s exactly what you do – otherwise, if your car is stolen from in front of your house – you may find that your car insurer will not pay out! Location 64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were inner city areas. Where you live, and the crime rate in your area, will have a major influence on the car insurance premium you are quoted. So, if you are being quoted a very high UK car insurance premium, it might be time to consider moving! And finally… Obviously securing your car is more than just about reducing your car insurance premiums – it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is opportunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.

         
    Self insure yourself and save money

     

    The reason we purchase insurance is to protect the valuable things in our homes in case an unforeseen disaster occurs. Some people may not take as much time as they should when thinking about purchasing insurance on their homes or cars. They might just go ahead and get it without much knowledge or thought. This is a big decision so you should put some thought and effort into this. One of the ways that can save you a lot of money is if you buy self insurance. If you familiarize yourself a little bit about insurance you will be able to do this yourself. The basic idea of self insurance is using deductible options and eliminating unnecessary coverage. A higher deductible saves you money in your premium. That’s why we call this self insurance. You are taken on a risk when you change your deductible from $100 to $500; it creates a risk of $500 of physical damage. This can also be done on you homeowner insurance policy. When you do that you will lower the premium that you pay and be covered for any major losses. This will save you a lot of money in the long run. Keeping your deductibles $500 or higher will save you a lot of premium dollars. Also, there are options that you can eliminate from your auto and homeowners insurance to save you money. Some times rental reimbursements and towing benefits are added to the auto insurance. If you self - insure for these items you can save premium dollars too. If you grasp the whole self insuring concept you can save yourself a lot of money and it will be a lot easier to purchase insurance. So go out and learn about self insuring or ask your local insurance agent. You too can save yourself bundles of money.

         
    Selling your life insurance viaticals and life settlements

     

    : Selling your life insurance is an option you might consider if you're in a difficult financial situation for which you don't see a close end. A terminal illness or old age could cause you to think twice about paying those hefty premiums at this stage of your life. Selling your life insurance carries with it complex implications and substantial risks, so it is important that you educate yourself regarding the big picture. If you're interested in selling your life insurance, this is a good starting point to obtain some basic information. Basics: Vocabulary If you've already done any research on selling your life insurance, chances are good that you've come across two main terms: viaticals and life settlements. Both refer to the selling of your life insurance to a third party. So what's the difference? "Viatical" is typically used to refer to the transaction involving a chronically or terminally ill insured, while a "life settlement" is a transaction involving a senior (generally over the age of 65) who is not terminally ill. Even though you now know the difference, it does not mean that your state does. These terms might be used interchangeably, or your state might use one of them to refer to both transactions. For example, your state could use "Viatical Settlement" to refer to any type of transaction regarding selling your insurance. Be aware that this kind of ambiguity may exist in relation to the vocabulary used in the sale of your life insurance. How it Works The owner of the life insurance policy will sell it for a percentage of the death benefit a lump sum to a third party and, in exchange, receives an often substantial lump sum payment. The third party then becomes the new owner and/or beneficiary of the policy and pays all of the future premiums and eventually collects the death benefit when the insured passes away. Those considering selling their life insurance may either directly approach a viatical company or settlement firm, or they may choose to work with a broker. The broker will act as an intermediary and present the information to several different companies/firms in an effort to find the highest price for the sale. The settlement firms buy the insurance on behalf of investors. In this situation, the investors become the owners and beneficiaries, and the settlement firm pays the premium until the insured dies. The firm then collects the death benefit and either pays its investors a percentage of the annual return or repackages the policy for sale to another party. Take comfort in know that the process of selling one's life insurance is typically very confidential. Most viatical companies and settlement firms understand the discretion necessary to make the process run smoothly and easily. However, a company may act disrespectfully and become borderline intrusive by trying to keep track of the insured's condition. For this reason, it is important to work with a respectful, experienced organization. Who Considers Selling Those with serious, life-threatening illnesses are most likely to consider selling their life insurance to provide cash for various expenses, such as mounting medical bills. For those who are not terminally ill, selling the life insurance might be a good idea for a number of reasons. If the owner's beneficiary has died or if the owner can't afford to keep paying the premiums, it would appear that they no longer have sufficient use for the life insurance. Seniors around retirement age may also consider selling their life insurance, even if they are free of debt, in order to receive a lump sum of money with which they may do whatever they please. Keep in mind that different companies may have different eligibility requirements to be able to sell your life insurance policy. Advantages to Selling Your Life Insurance It might be easy to see some of these benefits, but others are a little less obvious.

  • You'll receive a lump sum cash payment right now. As mentioned above, this is especially useful to the terminally ill who have mounting medical bills.
  • You will receive more by selling your life insurance than you would if you simply surrendered it to the insurance company. It is possible for an insured person who is 65 or older or who is terminally ill to sell a policy with little or no cash value for a $100,000.00 or much more.
  • You won't have to pay any more insurance premiums. If your financial situation is becoming strained with no end in sight, eliminating premiums is a way to alleviate the burden.
  • You don't have to repay the money, like you do when you borrow against your insurance policy.
  • Even though your life insurance benefits won't be available once you die, you can still leave money to a certain person or organization – it will just come from the money that is leftover after using the funds from selling your policy. So, selling your life insurance does not mean that you're definitely robbing your beneficiaries of their gift.
  • In some cases, the money you receive is tax-free.
  • There are no regulations or restrictions on how you make use of the money you receive. You may spend as much of it or as little of it as you wish, however you please.
  • Risks of Selling Your Life Insurance Understanding the risks associated with selling your life insurance will help you make an informed decision. Be sure to consult a financial advisor or tax attorney to make sure you understand the implications of the sale.
  • You might lose your eligibility for some public assistance benefits, especially those based on your income and assets (such as food stamps, welfare, Medicaid and some Social Security benefits).
  • There could be tax issues. Selling the policy will result in a tax bill if the settlement amount exceeds your cost basis.
  • With improved medical care, the ill person may live longer than expected.
  • You might face unhappy heirs. This might not be a problem for you, but it could lead to a long road of (possibly legal) complications and battles. Some settlement actually companies require the beneficiaries to also sign off on any sale, which could be good or bad, depending on whether or not you're dealing with a cooperative beneficiary.
  • Other Options If you come to the conclusion that selling your life insurance policy is not for you, there are other options (though none that would provide you with such a large lump sum). An insurance agent should be able to help give you more information on some of these ideas.
  • Borrow against your insurance policy
  • Cash out the policy if it has surrender value
  • Look into accelerated benefits or living benefits
  • Borrow money (from family or friends perhaps) and use the life insurance policy as collateral
  • If you believe that selling your life insurance policy is the right decision for you, make sure you deal with a dependable, experienced broker or settlement company to ensure that you get the best service and results from your transaction.

         
    Senior term life insurance

     

    We all know that purchasing life insurance at an older age is more expensive than purchasing it while very young. In an attempt to provide affordable insurance to meet the life insurance needs of older insureds, some companies are now offering Guaranteed Acceptance Life Insurance. Guaranteed Acceptance Life Insurance policy rates are less expensive than the traditional term insurance policies. As the name implies, you are guaranteed to be accepted for this life insurance. There are no health questionnaires to complete and no physical exams to take. As long as you pay the premiums, the policies cannot be cancelled. Additionally, you may lock your premium rate for the policy amount you want. Your rates will not change for as long as you keep your insurance. Where's the catch you may be asking. Well, the policies are written for a limited period of time. For example, Colonial Penn's policies are for a two-year limited benefit period. They are available for people between the ages of 50 and 85 (This age range varies depending on insurance company and state regulation). Generally, if death occurs during the first few years, a reduced benefit is paid or the company may return the premiums paid plus interest. For instance, with a Gerber Life policy, if death occurs by natural causes within the first two years (during the limited benefits time), the beneficiary will receive all of the premiums paid plus 10%. However, if death was a result of an accident, or if death due to natural causes occurs after the two years, your beneficiary will receive the full benefit amount. In the event of suicide (with certain state exclusions), the beneficiary will receive the amount of premiums paid only. Most life insurance companies offer a Guaranteed Acceptance Life policy for seniors. There may be variations from state to state, but the basic premise is the same. They all offer an affordable insurance option for seniors. Please see our list of recommended insurance quote providers below to get free insurance quotes from many providers. These sites also offer pages and pages of free insurance information.

         
    Senior travel insurance

     

    All enjoy traveling and the age factor never does affect or reduce your love for traveling. Seniors or juniors, from nine to ninety-nine, all love the adventures and pleasures of traveling. But traveling always involves risk. Whether it is a pleasure trip or a business trip, the risk factor is always there and can come to you in any form, from minor accidents to major catastrophes. This can even be baggage loss or medical emergency or flight delay or accident or even accidental death. Facing such disasters or problems in a foreign land is almost impossible. But all these tensions and worries can be ruled out if you are well insured. Proper insurance can help you have a tension-free trip, wherever be your destination. Senior Travel Insurance is an insurance plan meant for senior citizens. Senior Travel Insurance is a kind of agreement or contract between the insured and the insurer, under which the insurance company pays an agreed amount to the concerned party to make good for a loss, injury or damage to something valuable in which the insured has some kind of interest. Simply put, the insurance company pays money to the insured for a loss or damage as a result of some uncertain event. The contract between the insured and the insurer when put in writing is called a policy. The person whose risk is covered is called insured or assured and the corporation or company that insures is known as insurer or assurer or underwriter. Under Senior Travel Insurance, the amount of insurance becomes payable on the happening of some insured accident or incident. Senior Travel Insurance provides cover for single trips, annual multi-trips, and even for extended stay and is mostly designed for mature and retired people seeking good all round vacation or trip cover. This includes fire insurance, burglary, fidelity, medical emergency and much more. Your age or age related tensions concerning your security won’t affect your trip if you are a Senior Travel Insurance holder. About Author: Adrian Rogers - For related articles and other resources, visit : buy-travel-insurance/

         
    Serious injury accidents and insurance company coverage concerns

     

    A serious injury accident can leave you not only physically injured, but can also leave you financially injured. Most of us think that we have insurance to cover such events, and while this is partly true, the insurance companies are primarily concerned with paying as little as possible while transferring the burden of the costs to you. Many people do not fully understand the in's and out's of how insurance companies really work. Insurance companies are generally looking to improve their bottom line and thus their stockholders shares. Let us take a look at how insurance companies work with hospitals to save money and transfer costs to you, the insured. If you are in a serious injury accident and break your leg, the insurance company will pay the hospital a percentage of the cost to treat your broken leg. Hypothetically, if you break your leg and decide to pay the hospital in full out of your own pocket, the cost would be $5,000. Now most of us assume that our insurance company pays the hospital the full $5,000, but that is not the case. The insurance company will only pay a portion. For example they may pay $4,000 for the procedure. This happens because insurance companies create complex contracts with the hospitals at a discounted rate. If the hospital does not agree to offer a substantial discount, the insurance company will not allow the hospital to be in their “covered network” of providers. This means that the hospital will generally not be able to treat any of the people covered by the insurance company. This could potentially be thousands of patients for that hospital. Due to the insurance companies having the upper hand in contract negotiations with the hospitals, the hospital always negotiates and agrees to some form of a discount. Either way, the insurance company will always pay less than full cost for the procedure. Depending on your insurance policy and coverage exemptions, you will most likely be required to pay for a portion of your medical care. This can include the deductible and any other special circumstances. Your policy may indicate that you are responsible for the first $1,000 of an inpatient stay (plus your deductible) and that the insurance company will pay the remainder. These amounts vary dependent upon your specific policy. If your insurance company can, they will shift as much of the costs to you as possible in a serious injury accident. This can result in you suffering huge financial difficulties. This is even truer if your insurance company agrees to only pay a percentage of the cost of your treatment. For example, they may agree to pay 85% of cost. Now if you have a serious injury accident and the bill comes to $225,000 (which is not unheard of) then you would be responsible for $33,750 of the total bill. If another person is at fault in your serious injury accident then you face battling that person's insurance company. These companies will look for quick cheap settlements (or no settlement) and will try to take advantage of your lack of knowledge of what you are actually entitled to receive. Another example would be if both you and the person who is at fault have the same insurance company. This creates a whole new, and not uncommon, circumstance where your insurance company will try to save money on both sides of the issue. If you suffer from a serious personal injury, you need a competent and experienced lawyer to watch out for your best interests. Regardless of whether or not someone else is at fault for your injury you need a lawyer to help you through the process. Everyday thousands of Americans are getting a raw deal from their insurance company and most never even realize it; they just simply accept it as the way things work. A lawyer will help sift through the complex insurance coverage policies and will help you to find the parts of the policy that provide you with the most comprehensive coverage. When faced with a serious personal injury the last thing you should have to worry about is how you are going to pay your medical bills. Unfortunately, it is a reality that you need to take steps to make sure that you will not be stuck with an outrageous bill that your insurance company should cover. A lawyer is the only one who is truly on your side when you are faced with a serious personal injury, because he or she is working for you and no one else.

         
    Shop life insurance rate getting the best coverage for the lowest rate

     

    The purchase of life insurance is so much easier because of the availability of so much online information. The buyer learn son much by studying the magnificent amount of web content about life insurance. Life insurance rates are easier to comprehend when you get a better understanding about the different types of life insurance. There are basically two types of life insurance that come in many different forms. Term life insurance and permanent life insurance are the two types. Term Life Insurance – is the most inexpensive form of life insurance. Term life insurance is purchased for temporary needs over a specific time period. Once that time period elapses then the policy terminates. The short term benefit is what makes the premium low in comparison to permanent forms of life insurance. Mortgage term life insurance is purchased to cover a mortgage debt over a specific period of time. A thirty year mortgage requires a thirty year mortgage term policy that has the death benefit decrease as the mortgage balance decreases. The policy terminates after 30 years when the mortgage is fully paid. You can also purchase level term policies that provide level death benefits for specific periods of time. These time periods can be as short as five year and as long as twenty years with most companies. Permanent Life Insurance – is different from term insurance because it is designed to stay in force until the death of the insured. This form of life insurance is very popular because of its inside build up of cash value. The cash value of permanent life insurance is what enables the policy to extend until the death of the insured. This cash value account is accessible to the insured. The cash can be borrowed at a very low interest rate. Universal life policies have a partial surrender feature also that requires no pay-back of the borrowed amount. Do your online shopping for life insurance rates based on these two formspare term rates with term rates and permanent rates with permanent rates and that will make your shopping a whole lot easier.

         
    Shopping around for term life insurance

     

    Comparison shopping for term life insurance coverage is just a click away. However, before you go around clicking on websites, there some basic information you should be prepared to provide to get preliminary quotes: Aside from the obvious underwriting information such as your name, age and gender, you will have to provide more detailed information such as: Weight: If your height weight ratio is not within certain limits (in other words you are overweight) it may affect your rate. Do you smoke? Smokers pay a higher rate than non smokers. Rates can be as much as three times higher. However if you have quit smoking for at least a year prior to submitting your application, you may save some money. Health: Companies want to know how much you exercise and what type of lifestyle you live. Do you participate in risky activities like racing, scuba diving, sky diving, rock climbing? Type of work: Is your job hazardous? For example, if you work in underground mining, high-rise construction or work with explosives, you'll carry a higher rate. Driving record If you've been convicted of reckless driving or DWI in the last 5 years will increase your rate. Your familial history Have your parents or siblings had cancer or cardiovascular disease before the age of 60? You may be tempted to tell the insurance company what they want to hear (even if it's not exactly the truth), but don't. Lying on your application may void your insurance coverage. Once you've elicited quotes from several companies, compare your rates and make sure your insurance company will be around for the long haul. Check their AM Best rating. AM Best is a company that measures the financial stability/solvency of insurance companies. A very low quote from a financially unstable company won't do you a lot of good if they're not going to be around to pay the claim.

         
    Shopping online for car insurance

     

    Right now there are many companies all trying to get you to buy their particular insurance plan for your car. From quacking ducks to talking lizards, there is an overabundance of advertisements, all done with the intent to get you sign up for their company. But which one is right for you? One of the better solutions that I found is to go online and compare the different automotive insurance policies. That way, it is easy to find one that fits your particular situation. In addition, I have found that utilizing the Internet is the best way to save money. Before you go out and buy from the first company that offers you a car insurance policy, it is important that you understand which items are important for protecting you and your assets. As you probably know most insurance policies look the same. So it is important to understand both the company and your unique situation. First you should decide the maximum amount that you can use to pay for your insurance. This step means a careful analysis of your budget. It is a question of how much you can afford. This leads to our second item for consideration. How much do you need to cover? For people that have a lot of assets, it is vital that they get enough insurance to personally protect their money in case of a catastrophic accident. Many penny pinchers elect to get the lowest coverage. While it important to save money, it is equally important to prevent one accident from wiping you out. The funny thing is that even if you do elect for lower coverage, you wind up not saving that much money. The next step is to check out the individual car insurance companies. As a result, it is vital that you get quotes from at least five different auto insurance companies. The method that I use is to go online and compare some of the top companies that show up. Here is a brief list of companies that offer top-rated car insurance: • 21st Century Insurance • Geico • USAA • Safeco Insurance • MetLife Auto • Liberty Mutual • AllState • Unitrin Direct • eSurance • Progressive • State Farm • AIG Auto Insurance • GMAC Insurance • Nationwide • Eastwood • Amica • AAA Once you find quotes from different companies, you should create a strategy of the various costs involved with purchasing car insurance. This includes deductibles, collision, comprehensive, and the total costs. For each company, try to get quotes on different levels of coverage. That way, you can develop an accurate portrayal of the price for each car insurance quote. The final step is to understand how much each company will cover. While you might save money from one particular company, they might offer little to no coverage in case you get into an accident. While you might save some cash in the short term, the long term consequences could be disastrous. When you have done your analysis, you will have a list of companies that offer quality insurance at an affordable price. With a little effort and research, you can properly cover yourself within your budget requirements.

         
    Short term health insurance

     

    : If you are between jobs or are awaiting another health insurance policy to come into effect you may find that you have a gap in your health insurance coverage. This period is a high risk as you are effectively uninsured when it comes to health insurance. So what are you to do in this interim period? Well one of the best options in such situations is to consider taking out a short-term health insurance policy. This will cover you for a limited or fixed term. Usually, short-term health insurance policies last for periods of less than six months. There are policies that will cover you for up to twelve months also however. If you need coverage for periods longer than this, you should probably be considering standard individual or family health insurance plans. Application is Simple One of the benefits of short-term health insurance is that the application process is somewhat more straightforward. These policies are really designed to cover unforeseen accidents and other emergency situations and are not recommended for comprehensive health protection. They will therefore generally not cover such advanced features as preventive treatments, physical and diagnostic tests, immunizations, dental and vision expenses which you should try to avoid for the period under which you are covered by the short term plan. The main concern, and something you should be aware of if you are considering a short term plan is that they will make you ineligible for guaranteed issue health plans. These plans are most commonly referred to as HIPAA plans. They can be very expensive and are used in cases where the insured has existing medical conditions, which would otherwise make it very difficult for you to obtain health insurance. If you think you will need eligibility for a HIPAA plan, you should not purchase short-term health insurance. The Health Insurance Portability and Accountability Act or HIPAA, and state health insurance rights are important protections and you should seek advice from a benefits advisor in these regards. Are you covered? Short-term health insurance plans will not cover existing medical conditions. While the exact definition depends on your circumstances and on state laws, what this means is that if you have been diagnosed in the last three to five years or have been receiving treatment for a condition, it will be a pre-existing condition and you will not get coverage for it under your short term plan. Therefore, if this applies to you, it is recommended that you extend your current comprehensive policy rather than switch to a short-term plan.

         
    Should your life insurance policy be written in trust

     

    According to one of the largest UK life insurance companies, just 1% of life policies are written in trust. That is disgraceful and reflects poorly on the financial industry. Let's explain. If your life insurance policy is “Written in Trust” then, in the event of a claim, the insurance company pays out directly to the beneficiaries you name on the policy. The significance of this is easily missed. It means that if the policy is “Written in Trust”, the proceeds from the policy never form part of your legal estate and are not subject to Inheritance Tax. The importance of this is illustrated by the following figures: Take Mr A. He's a widower and wants to leave everything equally to his two sons. He owns his home which is currently worth Ј245,000 with a Ј10,000 outstanding mortgage. His investments are valued at Ј52,000 and his car and other chattels are worth Ј18,000. He also owns a life insurance policy for Ј100,000 which is not written in trust. We assume that the costs of administering his estate and obtaining probate would be Ј5,000. If Mr A were to die now, his estate would be worth Ј400,000 less Inheritance Tax. Inheritance Tax is currently levied at 40% on the value of his estate over and above Ј275,000 – that means that the taxman will walk off with Ј50,000 and his sons would each receive Ј175,000. Now lets assume exactly the same figures except that in this case the life insurance policy is “Written in Trust” with Mr A's sons as equal beneficiaries. Because the life insurance company pays out directly to his sons, they each receive Ј50,000 straight away and non of the money is included in Mr A's estate. This means that his estate is now worth Ј300,000 and the taxman can only walk away with Ј10,000. Each of his sons receives Ј20,000 more and tax-free! So simply by signing a few forms, Mr A saves Ј40,000 tax! Is there a catch? No – all the documentation is standard and is provided totally free of charge by the life insurance company. Your broker through whom you buy the policy, should complete the documentation for you, again free of charge. All you have to do is give the details of the beneficiaries to the broker and sign the form. Solicitors are not required. In the event of a claim, the life insurance company then has to pay out directly to the beneficiaries. Job done! Poor Mr Taxman! Even if your policy is designed to repay a mortgage, it should be “Written in Trust” for your partner. Then, rather than your estate receiving the money and using it pay off the mortgage, the money can be paid directly to your partner. This saves legal delays, solicitor's and probate fees and loads of hassle. Your partner can then use the money to personally pay off the mortgage. Whether this also saves you Inheritance tax will depend on the value of your estate and how you have structured your Will. So we believe that a life insurance policy “Written I Trust” is a win win situation. And there aren't many of those around these days! We can't see any drawbacks. Bye the way, no matter what you decide to do, always ensure that you have an up-to-date Will.

         
    Sick of paying your employer to cover your health insurance

     

    Health insurance costs have been skyrocketing for years. Many employers can't afford it and have no choice but to pass the increased costs along to you. If the money taken out of your paycheck seems to go up and up, that's why. But what can you do about it? Take Control of Your Health Insurance Dollars Every company has an open enrollment period when employees are allowed to review health insurance options and make changes or drop coverage. Do your homework first! Look at your deductions and talk to your HR person to find out what percentage of your monthly premium the company covers. With these numbers in mind, look at private health insurance. A good place for advice and free health insurance quotes is ehealthinsurance. Believe it or not, you may find that it makes more sense to opt out of your employer's plan and use the money they would have taken out of your paycheck to pay for your own insurance. Suffering From Coverage Overkill? The truth is, many employers offer expensive insurance. If you or a dependent has a medical condition, it probably makes sense to stay with your employer's plan. But if you rarely visit the doctor, why pay more for an expensive health plan with benefits you won't use? Imagine if auto insurance included coverage for repairs. You'd probably pay twice as much and, if your car is reliable, you'd never use that extra coverage. You'd be better off putting the money you would spend on insurance into the bank. Health insurance works the same way. You can lower premiums by finding a high-deductible health plan. Put that savings in the bank in case you need medical care until you reach your deductible. Think About Your Kids Even if you keep your own employer coverage, you might save money by putting your dependents on a private health insurance plan. Most employers only cover a small percentage of the premium for your dependents, while you're left paying the rest. Individual plans for your kids are another way to save money. For example, a nine-year-old in Toledo, Ohio can get a policy for under $50 a month! An easy way to compare rates from insurance companies is on eHealthInsurance. You can find quotes for just one child or for your entire family just by entering your zip code. Karen Auby is a personal finance expert. A high-deductible health plan is one way to lower your premiums.

         
     
         
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