Aug 312011
 


Insurance PaperworkInsurance really seems to scare people and not just auto and home insurance, but life and health insurance as well.  In fact, the definition itself is quite daunting: “A practice by which a company provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.” But put more simply, one could say that it is a “contract by which property or persons are guaranteed against damage or loss.”

It seems like such a harmless little word but it really does seem to elicit fear in the hearts of many people and there are some pretty common and costly mistakes that a lot of people make on a regular basis. Here are a few insurance mistakes that you can work to avoid: Continue reading »

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Aug 102009
 


We frequently discuss personal finance issues such as saving money, investing wisely and alleviating your debt, but sometimes we forget to talk much about life insurance. It’s true that life insurance can be easily put off, due largely because it might just not be that pleasant to think about. Also, for many people, it seems like a complicated and time consuming process.

The folks at Financial One have helped make the process much easier with a no obligation, instant quote where you can compare life insurance rates from over a hundred companies at once. They choose to give you quotes quickly from so many companies, but also accurate rates so you really know what you’re getting.

Sure, it’s easy to put off getting some life insurance, but it is one of the more important financial decisions you can make. You have to think of your family and their financial well-being should anything happen to you, insuring that your family has a stable and secure future. Remember, don’t forget about life insurance–get a free quote from Financial One today.

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Mar 112008
 


One of the most convenient ways to find cheap auto insurance is to compare quotes from top insurance providers found on various sites online. It is often easy to get complacent with one’s auto insurance and continue to pay the same rates, month after month. However, it is really possible to get some good rates by switching to another carrier.

The insurance providers found at various online auto insurance companies offer affordable rates but still provide quality service and insurance. The good thing about assorted insurance sites is that they put all the insurance resources together on one page to allow you to save time and find the right insurance for you quickly and with a lot of hassle.  It’s never too soon to start saving money on your auto insurance and now it’s only a short click away.

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Dec 072007
 

Health insurance is increasingly becoming more of a concern for individuals and their families these last few years. As part of any personal finance picture, you should be paying attention to how much you pay…and how much you could be saving elsewhere. That is why consumers are now starting to take their health insurance plans into their own hands and finding plans suitable for their needs and finances. Kaiser Permanente health insurance plans are a good place to look if you’d like a quote on Kaiser Permanente plans available across the United States.

The plans available from Kaiser Permanente include health insurance for individuals and families as well as small business health care coverage.

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Oct 152007
 


A lot of employee health plans choose to have their open enrollment for health insurance during the fall of every year. That means, for many Americans, it’s just about time to either stick to your same old plan with no changes, make some adjustments to the current health care plan, or switch your coverage to another health insurance offering.

I know when I got a peek at the new coverage I use this year I was pretty shocked. As has been the case for just about the last ten years that I can remember, health insurance premiums and deductibles are up while coverage is cut a bit here and there. Sometimes these changes are pretty mild and, besides the price, have little affect to me or my policy, but other times they directly influence the health care choice I can make in the coming year.

Marketwatch.com recently had an article on this very subject, pointing out it’s a good idea to take a few hours this time of year and look carefully at your employer’s health care coverage. Sometimes it makes good sense to look at the details and see if can elect to change some of the coverages in your health insurance policy. For example, some employers will offer a choice between different levels of coverage which might be two or three different PPO plans. Another place to look at is with a health-savings account, or HSA, where you can put some money aside for health expenses while taking advantage of the tax benefits of this account. In this case the article mentions that some people “would do better to take a plan that has more cost-sharing at the time you use the service and less cost-sharing through the premium.”

There is certainly lots to think about when it comes to health insurance this year. The one thing we can be sure of is that the cost of health insurance is not going down anytime soon. What you can do, though, is learn about your employer’s health care plan in order to see if there are some smart ways to save you money this coming year on health care insurance.

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Oct 022007
 

I’ve been fortunate the last few years since I’ve had health insurance through either my work or my spouse’s. This next year, however, we’re heading out on our own and we’ll have to find health insurance on our own. If you’ve ever tried to go through this process, you know how difficult it can be. You can never be too sure you’re getting the best quote available, and you waste a lot of time filling out forms from all the different companies.

In order to make the process a bit easier, the folks over at WebHealthPolicy have made buying affordable health insurance much easier. You simply have to fill out a short, no obligation form and you’ll receive quotes from up to five companies. This is a great way to eliminate the hassle of shopping around for the best deal, and will let you get insurance for you and your family without a medical exam at prices you can actually afford.

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Oct 012007
 


Providing your family with some financial security in case something happens to you is an absolute necessity. For many of us though, thinking about term life insurance is not something we really enjoy doing and it’s easy to make excuses to put it off. Not only can the process be time consuming and confusing, it’s usually not very convenient to buy and oftentimes includes a medical exam. With eLifePolicy, however, they’ve helped make the entire process much easier by providing a 100% online application process and you are not required to have a medical exam or speak with an agent.

The easy-to-use online application will only take about 15 minutes of your time, and if you’re approved you’ll be able to print out an in-force policy instantly. What could be easier? They’ve eliminated the hassle involved with hunting around for a term life insurance policy and the inconvenience of a medical exam. What’s more, they offer a money-back guarantee that allows you full refund if you’re not satisfied in the first 30 days.

Aug 232005
 


Car insurance policies can be perplexing as there are a number of insurance companies offering different types of insurance coverage with different policies. Nowadays the UK insurance companies have broadened themselves to guard against almost any conceivable risk to a customer. Among them, insurance cover for those who own Kit Cars, Classic or Imported Cars is one of the insurance types offered by the insurance companies in this country. Continue reading »

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Aug 222005
 

Since the widespread growth of internet usage and database building its never been easier or quicker to find fast life insurance. There was a time not long ago that the project could drag out forever. The process began with phone colds and lots of dialog between you and agents about various policies, options and underwriting requirements. Today fast life insurance is possible. Continue reading »

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Aug 122005
 


This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life insurance, savings or property investment. Despite reports of average starting salaries for graduates beginning at �18,000, some even at �25,000, Rachel started on �14,000 three years ago, despite gaining a First Class Honours and offering extensive work experience.

This isn’t therapy through Microsoft Word, but it’s not uncommon to read reports of ‘apathetic youth’ in the media. For driven young graduates who didn’t quite land where they expected � it is a little frustrating to be branded “ignorant”, when it is already difficult working off university debts and fighting your way onto the career ladder in a very competitive market.

What is the point of having independence in old age, if you cannot experience it in youth? That is not to say young people should be encouraged or supported in their debateable extravagance, only that we remain unconvinced by old age. We may have seen our parents lose money in shares or private pension funds, or get divorced and lose money through property. We may be worried about global warming and in an age of suicide bombers, we may not even be confident about how much control we have on our lives anyway. With so much choice on what we can do, but so few people empowering us with confidence, we may well rebel for years to come � chopping and changing until we find something that fits or until we get tired.

It’s too easy to brand young people as apathetic just because they haven’t got pensions or life insurance. Smug thirty-somethings who received full grants, graduated in a less competitive market and bought property when the house market was low are quite happy to “tut tut” at their twenty-something shadows in their lack of financially savvy experience, but today’s twenty somethings are being squeezed from all angles:

* Student loans replace university grants
* Commercialisation of university life, with banks and credit card companies actively courting student customers
* High property prices
* Very competitive job market

What we need are comprehensive financial research sites that provide information which directly relates to our circumstances. Websites such as moneynet with their product price comparisons and finance guides (especially the student finance guide) �do go most of the way, but we want something that also takes into account our aspirations, situations and will go the distance. We’re not adverse to pensions, life insurance and mortgages, but if we’re going to splash out lots of dough, it has to be a reasonably reliable investment and we remain unconvinced from we’ve seen so far in provocative, panic-stirring media.

It�s true that products such as life insurance would at least protect our families from our debts and that�s important, but with regard to pension, who’s to say that in our old age, we may not revert back to student lifestyles � living in communities and on budgets.

Article by Rachel Lane of Cashzilla.co.uk

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Aug 072005
 

One should never shy away from ensuring the security of ones dream home by providing it with a home insurance coverage shield. Homeowners insurance covers more than only the structure of the house by protecting the homeowners and anyone named on the policy. Today, home insurance is more of a national product. Hence, local variations in this product have been reduced. Continue reading »

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Aug 072005
 

Flood insurance is not included in basic home owner’s insurance. Interestingly enough, one of the worst natural disasters that could possibly affect your home is not included under most normal home owner’s insurance policies. As a result, flood insurance is one of the most important pieces of extra insurance that you could possibly get for your home. If you are worried that you might possibly live within range of some sort of flooding, then you should make sure that you get flood insurance as soon as possible. It doesn’t matter if you have never had any floods during your time living where you are – it’s always possible to have too much rainfall and for the flooding to reach record levels. Continue reading »

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Mar 162005
 

A Payment Protection Plan is an insurance cover you would normally take out when you apply for a loan in order to have peace of mind because no matter how healthy you feel today, nobody knows what lies round the corner tomorrow. Nobody is immune from unemployment or illness, which is why Payment Protection Plans are offered as a means of protecting loan payments. Continue reading »

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Mar 112005
 

The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation. Below is a combination of ten questions and suggestions that will provide the tools necessary to get a medical insurance policy that will best work for you and your family. Continue reading »

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Feb 022005
 

Most of you have heard about consumer directed health plans. The Bush administration has been a strong supporter of this concept as a way to get a handle on soaring healthcare costs. The recent inaugeration of Mr. Bush signals that consumer directed health plans will increasingly make up a larger percentage of group medical plans over the next several years. In the past, consumer directed plan designs have taken on many forms: Medical Savings Accounts (MSAs), Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs). Continue reading »

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