Insurance Archive

Ever wondered what criteria the insurance companies use to determine your auto insurance rates? Or why two drivers driving the exact same vehicle can be charged dramatically different rates? This article will help answer your …

There are many questions that need to be asked when choosing insurance companies, especially when it means the protection of your belongings and your home.  The level of renter’s insurance you purchase will be directly related …

Life insurance is not an investment. Life insurance is a safeguard that must be in place to protect your family in the event of your death. For many years life insurance salesmen tried to sell …

Universal Live Insurance (ULI) is an insurance policy with a cash savings value attached to it. The premiums are set at a fixed or sometimes flexible rate and are paid into the accounts principal fund. …

When you renew or purchase your next car insurance policy, here is a list of tips to keep in mind that may save you quite a bit of your hard-earned money. Do your homeworkThe premiums …

A seasoned insurance company agent once told me it is customary, if not straight forward procedure to deny specific claims on healthcare because the average consumer wouldn’t waste time fighting for payment. The sad reality, …

Deciding on the best company to purchase insurance from is not always an easy task as some may think. There are many factors to consider such as the health of the insurance company, the quality …

An article, written by Kevin G. Hall | Knight Ridder Newspapers Wednesday June 13, 2007, – says almost 20 years ago, Brits changed how they calculated their retirement pensions as a strategy to adjust for …

In assessing whether life insurance is needed, let’s start by looking at what life insurance is and how it works. Life insurance in essence provides a safeguard for your dependants. It can be used to …

Everyone knows the value of having an insurance policy on their vehicle and home and of having a life insurance policy. The insurance companies that issue these policies must also have insurance against possible losses …

Life insurers aim to cover the lives of people. However, the ‘life’ of a life insurer can be under threat because of insolvency. Insurers fail for a number of reasons- from disasters to financial mismanagement. …

In this uncertain age of travel, you’d think consumers would be keen to protect costly investments in their vacations, Harvey says. But according to the US Travel Insurance Association, large numbers of Americans still travel …

Selling Term VS Whole Life insurance coverage plans over the last 50 years, the debate on selling life insurance policies has only gained fire. Is selling term vs whole life insurance coverage plans killing agents …

Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then …

Life insurance may seem expensive. As long as everyone is alive and well the value of that costly life policy may be questioned. The money for those premiums may well be wasted. But in the …

Medicare is a valuable medical program for many Americans. It falls under Title XVIII of the Social Security Act. Medicare is a federal health insurance program for Americans age 65 and over, for disabled Americans …

Term life insurance is a contract which promises a payment – called the death benefit- to beneficiaries only, usually to replace the income needed to support a family. This benefit is in exchange for consistent …

During my life insurance licensing class, the instructor told a story of young man who wanting to know if the 2 year suicide clause was in effect on his policy. He told him not yet …

College students around the world need a place to live that is safe and secure, providing for his/her learning experience with the confidence that they will have that sanctuary to return to before, after, and …

A majority of people shop for car insurance wrong. They call the number they see on TV, or go wherever their parents go, and leave it at that. Very few people take the time to …

As a renter, perhaps the complexities of insurance are baffling. Many renters have never had to consider the price or type of insurance needed to adequately cover their personal items, and this can be a …

Borrowing from a life insurance policy can be done depending on the type of life insurance policy that is in force. Borrowing from a life insurance policy requires having a policy that accrues a cash …

We protect our cars, our homes, but one of the most overlooked areas is life insurance. Many people know that it protects their loved ones in the event that they should die. In essence that …

Just over a month into the official 2008 hurricane season and in less than 24 hours, a tropical storm turned into a Category 3 Hurricane with winds up to 125mph; it was called Hurricane Bertha. …

The key to finding affordable life insurance is to obtain and compare a rate or price quote from multiple insurance companies. A quote can be used to compare coverages, rate factors and benefits as well …

Don’t leave home without it! Auto insurance is required to operate a vehicle in South Dakota. Any vehicle being registered in the state must carry minimum amounts of auto insurance in order to satisfy the …

Remaining positive and healthy while looking for job is very important. Extensions on employer insurance programs or CORBA plans can be expensive and hard to maintain financially especially during a long period of unemployment. Insurance …

INDIVIDUAL HEALTH-CARE INSURANCE POLICIES My basic advice is simple. Ask everyone you know who has an individual plan. Then call those insurance companies, but also call companies you don’t think have individual plans. About 18 …

Perhaps the most common question with regard to permanent life insurance policies is, “Can I borrow any of the cash value?” What is disconcerting is the fact that no one ever asks, “How will this …

An individual policy is one purchased by an individual who is usually self-employed and does not have access to a group policy through an employer. People buy insurance policies out of need, but tend to …