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Preview: Know Your Insurance

Know Your Insurance

Purchasing insurance coverage that suits your needs is vital. We provides articles and information on selecting the type of insurance coverage that best fit your needs.

Updated: 2014-10-04T22:15:18.360-07:00


Life Insurance For Smart People


Life Insurance for Smart People There are more life insurance choices than
ever for consumers and here's how to save time and money getting the best
deal on buying your life insurance.

Consumers have become more savvy about buying their life insurance and have
turned to the web to make it happen.

Life Insurance Medical May Not Be Necessary

Although you might still need a medical, you can usually handle most of the
process on the web and over the phone. If you compare prices and policies,
you will see a company's financial worthiness, along with the security it

But What Type Of Life Insurance Should I Purchase?

To make an informed decision, you need to know what the company will charge
and what is its credit rating. You need to know why you are buying the life
insurance and how long you need it to last. If you're reasonably
knowledgeable about term and permanent insurance, you know that term
insurance is the cheapest form of life insurance and that is the type
preferred by most people.

If you have a large estate, you life insurance policy may be part of an
estate plan. These plans may include a last-to-die insurance policy to
reduce your taxes. However most people are trying to protect their families
and for that the best product is term life insurance. You should buy the
amount of life insurance you need for that particular time. And as your
needs increase or decrease, you should increase or decrease your purchase of
life insurance.

One thing most people don't do, and indeed, avoid doing, is realizing that
they need to compare prices. If you are buying a baby stroller or TV set, do
you compare prices? Of course you do; how else will you know how to compare
value? But to avoid conflict with a spouse or to avoid a long drawn out
process, you take the first offer that comes along.

Well that's not the way to do it. You need to find a broker, online is best,
who does the comparing of premiums for you.
Then all you need to do is to take the offer from the best and cheapest
company. That way, you'll know for sure that you have the best deal on your
life insurance.

About The Author: Ivon T. Hughes, The Hughes Trustco Group Ltd.
Online Insurance Broker - Get a FREE Quote TODAY! Tel: (514)
842-9001 Web:

Private Medical Insurance. Experimental Treatments Could Now Be Covered.


Private medical insurance policies can be very particular about what they do
and don't cover. For example, if you are insured with Bupa, then you will
only be covered for experimental medical treatment if it is part of a bona
fide medical trial or study. And Norwich Union Healthcare stipulate that
treatment is only covered if it is considered to standard practice in the

So what happens if your doctor recommends that the best course of action
would be to have a newer type of treatment, rather than a long established
standard procedure? For the sake of your health, you will probably be
wanting to take your doctor's recommendation. However, many private medical
insurance policies simply do not allow for this.

The issue has come to light as a number of people have been recommended
experimental treatment, only to find that the insurer will not cover it.
These people complained to the Financial Ombudsman Service (FOS) who, in
some cases, rules against the insurers. One of the treatments that has
emerged as something that should be paid for is a new form of varicose vein
surgery. Standard practice in the USA for the last five years, insurers in
the UK were refusing to pay out until the FOS made their decision.

A type of larynx surgery which is performed by laser is also now to be
insured, as is bladder surgery carried out by keyhole rather than through an
open wound, and a new type of spinal treatment which means vastly reduced
side effects.

However, the FOS has only been able to overturn insurer's decisions on
policies in which experimental treatments are not specifically stated in the
policy as being excluded. The Ombudsman can't do anything about those
policies that do specifically exclude experimental treatments.

The FOS has pointed out that just because they have ruled against the
insurers, it doesn't mean they are endorsing specific types of treatment.
They also said: "If the policyholder has been advised by his or her treating
physician that, in their particular circumstances, they should have a newer
treatment instead of an established procedure, our general view would be
that it could be unfair for the firm to turn down the claim entirely."

As a result of these recent rulings, insurers may well reconsider how they
deal with experimental treatments in their policies. Insurers say that they
act in the best interests of their customers, and if they are asked to fund
something that they consider to be against the best interests of the
patient, then they will reject the claim. However, one insurer, WPA, has
admitted that if the customer's doctor does recommend a particular course of
experimental treatment, and there is a very good reason why that treatment
is better than any other, then they will pay out. Norwich Union Healthcare
has already said that they will be reviewing their policies in the light of
the FOS' rulings. As for Bupa, it has expressed concern that customers will
be claiming for procedures or drugs that have not been fully tested in the

At the moment, it's a case of 'watch this space'. If you are thinking about
getting private medical insurance, then keep this issue in mind when you
choose your policy. It would be very frustrating to be recommended a
treatment, and then find that you are not insured for it. Remember to check
out the Internet first for the cheapest policies, most private medical
insurance policies offer a lot of advice and information on which policy is
best suited to you, which can be very useful with all the choice out there.

About The Author: New and up to date articles from insurance explorer

Higher Insurance Premiums Anticipated For Home Owners


According to the Wall Street Journal Online, some insurance companies are
now passing along the higher costs of payouts resulting from hurricanes such
as Katrina, Wilma and Rita to homeowners. In fact, some insurers are
withdrawing from coastal areas altogether, after incurring an estimated $56
billion of hurricane-related losses. With long-time insurers such as
Allstate Corp. and Nationwide Mutual Insurance Co. leaving some vulnerable
areas, homeowners are forced to find new insurance coverage that usually
comes with a higher price tag.

With home insurers getting regulatory approval to increase premiums in
states hit by hurricanes, even states that were untouched by hurricanes are
expected to bear the brunt of this hike. Citing increase in reinsurance
costs as a major contributing factor, many insurers such as Allstate are
seeking approval to increase premiums in as many as 49 states.

Insurance Companies are now reviewing their underwriting process and trying
to enforce stricter guidelines on whom to insure. Industry experts estimate
that insurance premiums will climb even higher when homeowners renew their
policies this year.

Insurance premiums have already increased in Massachusetts, which hadn't
experienced a devastating hurricane in the last 50 years. Moreover, some
insurance companies are not writing new policies in areas such as Cape Cod,
Nantucket and Martha's Vineyard. Homeowners living in these parts are forced
to seek state insurance to cover their homes, which usually costs more than
private insurance.

Homeowners in several states are bracing themselves for likely rise in
premiums due to increased reinsurance costs. Rhode Island has already
experienced increases in home insurance premiums by 10 to 15 percent over
the last year. Insurers are reducing risk exposure by shifting some of the
financial risk to homeowners with higher deductibles for windstorm damage.

For homeowners, dealing with the premium increases must be familiar
territory. Premiums have been going up over the past few years following
natural disasters in the 90s such as Hurricane Andrew (1992). According to
experts, the best path for homeowners to tread is to go for policies with
higher deductibles and lower premiums. Homeowners should avoid filing minor
claims, which may increase their risk of being dropped by their insurer. It
is also best to buy home insurance from firms with a strong financial

Source: The Wall Street Journal Online, M.P. McQueen

About The Author:

Affordable Child Health Insurance In San Antonio Texas


Finding affordable health insurance is no easy task unless you are employed
by a business that offers a health benefits package. Unfortunately, not
everyone works, or works for an employer who offers a group health insurance
plan to his or her employees. If you or your spouse doesn't have affordable
health insurance in San Antonio, Texas, how is your child supposed to obtain
affordable child health insurance? Imagine trying to find affordable child
health insurance for your child if you're having difficulty finding
affordable health insurance for yourself.

If you live in San Antonio, Texas, or anywhere in Texas for that matter, and
have a child or children who are without adequate health insurance, you may
want to look into Medicaid for Texas Children.

Medicaid for Texas Children is both a state and federal assistance program
that provides children with excellent comprehensive health insurance at
affordable prices or at no cost at all. To be eligible for Medicaid for
Texas Children, a child must be a resident of the United States and of
Texas, under the age of 19. The family of the child applying for Medicaid
for Texas Children must meet the Medicaid of Texas Children income

If a child belongs to a family that receives Temporary Assistance for Needy
Families, also referred to as TANF, the child will instantly qualify for
Medicaid for Texas Children.
Otherwise, the child's eligibility is determined by the Texas Health and
Human Services Commission, also referred to as HHSC.
If a child is found to be eligible for Medicaid for Texas Children, his or
her family's financial status may be evaluated every half year or so to make
sure the child is still eligible.

For more information about the Medicaid for Texas Children program, visit
the Texas Department of Insurance Web site, or give them a call. You can
also visit the Web site of the Texas Health and Human Services System.

About The Author:

Affordable, Low Cost Health Insurance


Finding affordable, low cost health insurance may seem difficult, but with a
bit of planning, searching, and researching you will be able to find a
health insurance policy that offers the coverage you need at a low cost
price you can afford.

Follow these steps to get started.

Look at your budget. After you pay your monthly bills and set aside enough
money for essentials such as food and gas, how much money do you have to
spend on health insurance? Be truthful with yourself. Do not imagine money
that is not there, and do not overlook money that is. You want to spend
enough for adequate health insurance, but you do not want to put yourself in
a bind. Once you are aware of your budget, you can begin searching for
health insurance that is low cost and affordable according to your budget.

Consider your options. The ideal option is probably your employer or your
spouse's employer. If you have the option of purchasing a group health
insurance policy from your employer or your spouse's employer, choose it.
Group health insurance policies are usually the most affordable, low cost
health insurance policies available. Of course, not everyone has that
option. If you do not, consider contacting your state's insurance department
to find programs that offer affordable, low cost health insurance plans for
which you're eligible.

Research several health insurance companies. If you are not eligible for any
programs that offer affordable, low cost health insurance plans and have
opted to purchase an individual health insurance plan, make sure to research
several health insurance companies before making a decision. Getting
affordable health insurance at a low cost will not matter if the health
insurance policy does not provide the exact coverage you need.

You should not rush when searching for affordable, low cost health
insurance. Consider your budget, explore your options, and find a policy
that is right for you.

About The Author:

Affordable Low Rate Health Insurance


The easiest way to obtain affordable, low cost health insurance is to
purchase a low cost health insurance plan through your employer. These
health insurance plans are usually Health Maintenance Organizations (HMOs)
or Preferred Provider Organizations (PPOs), and - even better news-
purchasing a low cost health insurance plan through your employer usually
means that your monthly premiums are deducted from your paycheck, much like
taxes are. If you're lucky, you won't even miss those premiums!

Yet, not everyone is fortunate enough to work for an employer who offers
affordable, low cost health insurance. Actually, some people aren't even
able to work at all. Maybe they've lost their jobs or been laid off. Maybe
they've become disabled, or just too old to work. Whatever the reason,
there's good news.
Affordable, low cost health insurance is within reach - if, that is, you're
willing to do a bit of stretching.

Use your spouse's health insurance plan. If you are married and your spouse
as an affordable, low cost health insurance plan, he or she may be able to
add you to it.

Look into state-sponsored health insurance programs. These state-sponsored
programs are ideal for the disabled and elderly; actually, most of them are
designed just for those people.

Check out a few short-term medical insurance plans. Short term medical
insurance plans are designed for individuals who have suddenly found
themselves laid off or out of work, but plan to join the workforce again
once they can. Short term medical insurance plans are full of benefits, and
are generally available anywhere from six to 12 months.

Start looking at various individual health insurance plans.
These are usually the most expensive of all health insurance plans; however,
what you'll pay in premiums will pale in comparison to what you'll pay in
hospital bills should you become ill or injured. This makes having an
individual health insurance plan seem all the more affordable and low cost.

About The Author:

Affordable Arizona Group Health Insurance


You can find affordable Arizona group health insurance through your
employer, as well as through an organization or association to which you

There are nine basic kinds of Arizona group health insurance, and most
affordable Arizona group health insurance plans will offer at least a
variety of each kind of insurance coverage in the overall Arizona group
health insurance plan.

Major Medical Expense

Major medical expense covers just that - major medical expenses.
Policyholders usually have a deductible of medical expenses they must meet
before the insurance kicks in and begins covering a certain percentage of
medical costs.

Disability Income Protection

Disability income protection provides you with a percentage of your regular
paycheck on a particular time basis (weekly, monthly, etc.) during a
specific time period.

Accident Only Coverage

Accident only coverage provides compensation for accidents, including those
resulting in death, loss of vision, a limb, and medical costs.

Specified Disease or Specified Accident

Benefits under this coverage only cover a particular disease or accident.

Medicare Supplement

The Medicare supplement is usually not included in employer-based Arizona
group health insurance, but is a wise investment since Medicare doesn't
always cover all medical costs.

Long-term Care

Long-term care is another type of coverage that may or may not be offered by
an employer-based Arizona group health insurance, but is a wise investment
should you ever need skilled long-term care assistance.

Health Maintenance Organizations (HMOs)

Many affordable Arizona group health insurance plans are HMOs, meaning, you
choose a primary care physician based on a list of HMO participating
doctors; he or she will refer you to medical specialists should you need to
see them.

Preferred Provider Organizations (PPOs)

Similar to HMOs, PPOs allow you to choose from a network of doctors;
however, you may choose a doctor not included in the PPO and pay a higher
deductible or co-payment.

Point of Service (POS)

POS is a balanced mix of HMOs and PPOs.

About The Author:

How To Save Money With Auto Insurance Quotes


Auto Insurance Online Quote Advice

Getting an auto insurance online quote is one of the cheapest and quickest
methods to obtain a car insurance quote. It also offers more options to
consumers who can access several auto insurance companies, carriers and
brokers, conveniently from the comfort of their own homes at any given time.

To get the auto insurance online quote, you'll first need to visit the
official website of your chosen auto insurance company. Most auto insurance
sites provide an online template form for you to fill out, and any
information that you enter in the application will have an impact on the
final quote. So it's best to review and revise what you have typed and avoid
errors that can adversely influence the auto insurance online quote, and
receive a cheap online car insurance quote, along with the most accurate
approximations of the policy you're applying for.

In addition to the required personal information such as name, address and
contact numbers, the cost and coverage of the insurance policy will be
significantly dependent on the information you give out, including your age,
gender and marital status. For example, auto insurance companies are very
alert when doing business with single or younger drivers who are more likely
to indulge in reckless driving, disregard for traffic rules, etc. So the
cost of the premium you have to pay for the auto insurance policy may be
higher if you're under 25 years of age. However, insuring younger drivers on
safer, non-performance cars and less powerful vehicles may allow you to
receive a cheaper auto insurance online quote. Also remember that the Make,
Model and Year of the automobile are also important factors taken into
consideration by auto insurance companies when they calculate rates.
Expensive and high performance automobiles such as supercars require more
extensive repairs after a crash, so they are more likely to cost you more on

Tips on Obtaining a Cheap Auto Insurance Online Quote

1. Look for several types of auto insurance quotes regularly

2. Take into account the value of your car/automobile in comparison to the
amount you're paying for premiums when making decisions such as "liability
only" insurance.

3. A simple 6 hour defensive driving course can save you up to 10% on your
auto insurance premium

4. Many auto insurance companies will give you a discount for multiple auto
insurance policies. If you've used one agency for different types of
insurances such as life, home, fire, etc, us the same insurance company for
you auto insurance

5. Remember that higher deductibles result in lower insurance premiums

6. Maintain a healthy credit rating because auto insurance companies take
into account your current credit score as part of their calculation

7. Prepare yourself with valid reasons why you are at lower risk, such as
safer vehicle, clean record of driving, anti-theft alarms etc.

About The Author: Auto insurance is a great way to take your mind of car
theft and damage. That's why you should get an auto insurance quote online.
Get insurance quotes in 10 minutes or less.

Set Your Insurance Website Different From Others


Web-based Insurance businesses are in for a tight competition online. There
are many other insurance websites that offer the same type of services,
specializes on the same niche of insurance marketing and both of these
factors alone can already set you apart from them. What you should do for
your website is to stand out among other insurance websites; but at the same
time, offer content and still, quality service.

If a customer is deciding between two insurance websites but still caught in
the middle because of the almost identical features and mechanics, there's a
50-50 chance that that customer will choose you or the other website for
When the other website is chosen over you, you wouldn't have a clue how
often it happens or will happen, so watch out and the sooner you update your
website, the better.

At this point, you need to assert that your insurance services, or your
website to say the least is different and much better than the others. There
are some areas in your website which you can develop right away or one step
at a time. It doesn't matter how immediate you can start, as long as you
make sure that you're better than the rest. When the customer knows that
they can find justification from a service they want, the quality of your
website will spread like wild fire in the internet.

As a content-based insurance website, you always need to make sure that you
have good website content. Also, don't stick to what you already have,
explore and increase the quality of your expertise. You also have to make
sure that you continue to learn and develop the insurance niche you're
working on because that is the part which customers will likely go after.

If you still want your site to get better in another way, try putting a
section on your website where both customers and visitors can leave their

About The Author: Shareen Aguilar is a writer for which has Insurance Leads Generation
and other free Marketing Books

Compare Home Owner Insurance Quotes


If you're in the market for a home owner insurance policy, but are having a
difficult time choosing a home owner insurance company among the many that
have given you quotes, you're going to need to set aside some time to
thoroughly compare home owner insurance quotes you've been offered thus far.

Regardless of how you've found the home owner insurance companies from which
you're considering purchasing your home owner insurance policy (in person or
on the Internet), make sure the home owner insurance company has asked for
an inventory of your home. Home owner insurance companies want to know
exactly what it is they're insurance before they offer a quote. If you
accept a quote and purchase a home owner insurance policy from a company
that doesn't know what it's insuring, you may find yourself high and dry if
you ever need your home owner insurance policy, i.e., your home catches fire
or is burglarized.

Going along with the above, always read the fine print. After you've been
offered a home owner insurance quote, find out exactly what is covered, what
isn't, and what you may need to purchase additional coverage for. Some home
owner insurance companies may not cover everything in your home; some may. A
deciding factor for you will be whether or not you're willing to move your
valuable to another location (safety deposit box in a bank), or purchase
additional coverage. You may be offered a cheaper home owner insurance quote
if you decide to relocate your expensive valuables, or if you purchase
additional coverage; however, you must take into account the extra cost of
storing your things elsewhere, or the additional coverage.

In the end, always talk with a live person. Ask questions about what you
don't understand. If you don't feel comfortable with the answers or with any
of the home owner insurance quotes you've been offered thus far - don't
settle. Keep looking.

About The Author:

The End of Unlimited Lifetime Benefits in New Long Term Care Insurance Policies


Prominent long term care insurance carrier Penn Treaty recently announced
that it will discontinue offering the "unlimited lifetime" benefit option on
all new policy forms as of 1/1/2007. Will other insurance companies follow
suit? We think so, as the industry adjusts to changes in the all-too-real
world of care and care giving.

With rising baby boomers life expectancies and broadening offerings in the
care delivery systems "unlimited lifetime"
benefits simply pose expanded and uncertain risk for insurers. This risk
naturally translates to pricing which places "unlimited lifetime" benefit
out of reach for the average consumer, so the insurers are opting to offer
benefits which are limited to a fixed number of years payout or a limited
"pool of money" payout.

This makes sense by insurance standards. Exposure to unlimited risk is not
prudent for most companies, although some carriers may still choose to offer
"unlimited lifetime" benefits to high net-worth clients.

Look for policies to focus more on 5-year, 4-year and 3-year benefits for
long term care. This fits the common care profile, and 5-years of benefits
would allow for transfer of assets under Medicaid guidelines set by the
Deficit Reduction Act of 2005, meaning an estate could be protected while
still qualifying for Medicaid after 5 years of "private pay" through the
insurance mechanism.

We expect more and more insurers to limit their exposure by eliminating
old-fashioned "unlimited lifetime" benefits.
This change affects newly purchased policies, not policies already in force,
and is yet another adjustment as this industry comes to grips with changes
in the world of long term care.

This comes on the heels of the initial round of industry adjustments
reflected in the waves of premium rate increases from 2001-2006 as insurers
corrected for the initial under pricing of policies sold in the 1990s, the
first decade these policies were offered. Considering the likelihood of
future claims due to the cold hard fact that nearly half the population will
need long term care, insurers have a duty to remain financially sound in
order to pay future long term care insurance claims. This just makes good
business sense.

Consumer choices are changing, surely, yet a need still remains, the need to
protect assets from the devastating costs of long term care by transferring
the huge risk of care to insurers though the insurance mechanism. It's
really pretty simple: The risk is very high, and so is the cost of care,
and there is simply no other vehicle than insurance coverage to protect your
savings and investments.

Internet users can arrange for free, comparative rate quotes from respected,
top-quality companies by searching online for "long term care insurance
buyers advocate".

Long term care insurance activist, Clay Cotton, writes for - The Online Baby Boomers Decision Assistance
Center, where you get Free Long Term Care Insurance advice, comparative rate
quotes and personal guidance, all while safely at home in your favorite
pajamas and bunny slippers.

Get A Cheap Home Owner Insurance Quote


Home owner insurance is not always required. If you live in a home you own
out right, with no lenders or financers you probably are not required to
purchase a home owner's insurance policy. Therefore, you can avoid that
extra insurance bill every month. Good for you, right? Wrong.

Home owner's insurance may seem like just another monthly bill; however, if
you find yourself in a situation in which you've been robbed or your home
has suffered water damage, fire damage, or any kind of damage from weather
elements, those extra monthly insurance bills will suddenly seem like a wise
idea. And, if your neighbor comes knocking at your door one day, only to
fall down an icy stoop? Well, those extra monthly insurance bills will
suddenly seem like an even wiser idea.

So, how can you get a cheap home owner insurance quote to protect yourself
from tragedies and accidents? It's simple, really - you just need to know
how to cut corners; and I don't been in a Scrooge-like, penny pinching way.

First, make indoor home improvements. This means checking out your
electrical system, which could make your home a fire hazard, and plumbing
system, which could make your home susceptible to water damage. Consider
installing durable windows and sturdier locks. A safety alarm system isn't a
bad idea, either.

Next, make some outdoor home improvements. Fix any creaky steps, loose
stones or concrete in your walkway, loose shutters and shingles, and get rid
of any scrap metal you plan to build something with, but neighborhood kid
might want to use as a plaything.

Finally, store all of your very precious and irreplaceable valuables in a
safety deposit box in the bank. Period.

Making these safety changes will show home owner insurance companies you're
serious about keeping your home, your family, your valuables, and your
visitors safe, thus encouraging them to give you a cheap home owner
insurance quote.

About The Author:

What Is Gap Insurance?


Before a person decided to purchase a new vehicle, they need to check with
their insurance company about gap insurance because it might already be
included in the auto premium. If is not, this will be something that you can
purchase for a decent cost.

There are some insurers that do not offer this type of insurance at all. If
this is the case, you should try to find a company that offers gap insurance
before you decide to purchase it through the dealer.

Gap insurance is the insurance that will pay for the difference between what
you would owe on an automobile and what the insurance company is going to
say it is worth. This insurance is a must for someone who may be considering
purchasing a new vehicle since a new vehicle will depreciate in value as
soon as it is moved from the dealer's lot. You will appreciate this
insurance if you are ever in an accident and still owe money on your car.

Usually gap insurance is built into a lease for any of the leased cars that
a consumer may decide to use. Do not just assume that it is. Make sure that
you are asking questions and finding out the information that you need to
make sure that you are covered incase that you are ever involved in an
You have to make sure that you are protected.

The premiums are usually low for gap insurance. This is not going to be
something that you are going to spend a lot of money on. For new purchases,
it can be automatically added into your monthly car payment. This is hardly
noticeable and it will allow you to have the protection that will make you
feel secure each time you decide to drive your car.

About The Author: Geoff Spencer is a staff writer at and is an occasional contributor to several
other websites, including

5 Ways To Choose The Best Travel Insurance For Your Holiday


Travel insurance is one of those areas that mean nothing to you until you
decide to hit the road - or the air - then suddenly every ad is for travel
insurance and everywhere you look another company is touting for your
business. So how do you choose the best insurance company and the best
travel insurance for your unique travelling needs?

5 Points To Consider

1.The cost of the policy could be more than what you pay

When reviewing the policy options never start with the price first. As with
most things in life you get what you pay for and while you want to be sure
to get the best value for your money, this does not necessarily mean the
cheapest price.
Comprehensive cover that delivers and supports in time of need is what you
should be looking for.

2.What back up do you receive in an emergency?

Are you being sent on your world tour with a 9 to 5 Monday to Friday contact
number or are you provided with fully comprehensive numbers providing 24/7
contact and support, reverse charge options and 0800 numbers.

3.What is included as standard in your policy

Some companies come in with a low rate and then charge extra for every
doorknob eventually leading to over inflated cover.
Go through the company's policy offerings to be sure exactly what you are
covered for. The range should be extensive as the company should know and
have addressed a range of pitfalls you may not have thought of.

4.Who underwrites and supports the company

Establish who your support company will be should you face a medical
emergency or the need for evacuation. Most companies do not handle these
highly specialised areas themselves but have aligned themselves with skilled
and experienced worldwide organisations to ensure the best possible
protection and support for their customers.

5.Does the company cater for varying needs?

Does the company provide a one size fits all policy? Beware, you may be
paying for cover you don't need or be under insured in some critical areas.
Look for a company which provides a range of covers including NZ only travel
policies, backpacker, group or duo options, long stay, one way or gap
insurance and more.

About The Author: Eddie Feltham is Marketing Director for 1Cover, and has 10
plus years experience in the travel industry. For all-inclusive travel
insurance - Australia, New Zealand or worldwide - and the best travel
insurance rates, visit

Home Owner And Car Insurance Quote


Are you looking for both a home owner and car insurance quote?
There's good news! Many insurance companies specialize in offering both
homeowner insurance policies and car insurance policies.

Below are three reasons why you should get a quote your home owner insurance
policy and car insurance policy from the same insurance company.

You won't have to deal with as many people as you would if you used two
different insurance companies. This may sound antisocial, but it's actually
not. If you have one insurance agent who can take care of both your home
owner and car insurance policies, you'll be less likely to get confused;
and, if you do get confused about one or both of your policies, you'll only
have to contact one insurance agent to straighten things out for you.

You'll have less paperwork to deal with. This goes right along with the
above reason. If you do all of your business with one insurance company,
you're obviously going to have less forms to read through and sign. This
also reduces the risk of signing papers dealing with your home owner
insurance policy when you mean to sign papers dealing with your car
insurance policy.
Plus, your single insurance agent will keep you organized!

Discounts, discounts, discounts! Most insurance companies that offer
multiple kinds of insurance policies, such as home owner insurance policies
and car insurance policies, offer discounts to those policyholders who
purchase more than one kind of insurance policy. Aside from getting
insurance policies that offer the exact coverage you and your family needs,
what can beat getting a few discounts along the way?

When you set out to look for an insurance company that offers both home
owner and car insurance quotes, don't settle on the first one you find. Do
some research: check out their ratings, talk to friends, family members, and
co-workers who use the insurance company. Shop smart and begin saving!

About The Author:

Combined Motor Trade Insurance - Why It Works And How It Can Save You Money


If you work in the Motor Trade, you more than most will know that customers
nowadays are demanding more, for less. And if you're a Motor Trade who also
demands this from your suppliers and service providers, here are some ways
you can get it from your Insurance Broker.

Depending on which part on the Motor Trade you work in you will no doubt
have your own individual needs, concerns and worries.

For car manufacturers these could be falling sales, competition from abroad
or Government policy changes over CO2 emmissions.

If you are an MOT Station you may still be coming to terms to

And for body repairers, bodyshops and garage servicing units your focus
maybe on gaining accreditation to the BSI Kitemark scheme or making sure
your staff are trained to a certain standard.

The bottom line is you are a Motor Trader you have numerous issues to deal
with on a daily basis before you even start to think about your customers
and suppliers.

And yet despite this apparant need for people in the Motor Industry to make
their lives easier it is suprising to see many traders still choosing to
have their Motor Trade Insurance policies with many different insurance
brokers and companies rather than under a single Motor Trade Combined
Insurance policy.

The result of this is that many Motor Traders pay too much for their
insurance and they spend time (that they simply cannot afford to waste) on
looking after them.

Here a just a couple of reasons why Motor Traders should seriously consider
a Combined Motor Trade Insurance policy when their insurance is next due for

1. All your risks together. By opting for a Combined policy your vehicles,
your staff, your premises and your profits can all be protected under one
policy. No longer do you need your buildings insured with one Broker, your
Business Interruption and Liabilities with another and your Road Risks with
yet another. Just all your risks under a Combined Motor Trade Insurance

2. Time Savings. Gone are the days of many different types of cover with
different renewal dates and provided by different companies. Just your
Combined Insurance policy with a single renewal date. If you need to make a
change you just need to ring one broker rather than hunt around your
paperwork to find out who it is insured with. And if you chose the right
broker they should ring around all the main Motor Trade Insurance companies
to find you the best deal.

3. Money Savings. By putting all your risks under a Combined Motor Trade
Insurance policy you can very often benefit from savings on your premiums as
many providers offer discounts. At a time when getting value for money from
your service providers then making savings by getting a policy that is
easier to administer could be just what you need.

Combined Motor Trade Insurance can save you time and save you money and that
is why it works.

About The Author: Save Money on Your Combined Motor Trade Insurance was
written by Mark Burdett of Northern Counties Insurance Brokers. To see how
much you can save on Motor Trade Insurance visit or

Cheap Car Insurance In NC


The premium you pay for your car insurance in NC is dependent upon several
factors, including your age, gender, driving record, traffic ticket and
violation history, your living location, the kind of car you are insuring,
and the insurance company from which you purchase your car insurance in NC.

A few of these factors can't be changed; some can be altered in time.
However, despite all of these factors, the amount of car insurance in NC you
purchase is always going to have an effect on the cost of your car insurance
premiums. Therefore, if you're looking for cheap car insurance in NC, it
would make sense to purchase NC's minimum car insurance requirements,
wouldn't it?

The minimum car insurance requirements for NC are as follows:

$25,000 for coverage of property damage $30,000 for coverage of the bodily
injury of one person $60,000 for coverage of the bodily injury of two or
more persons

Purchasing merely the minimum car insurance requirements in NC isn't
recommended, and not always allowed if your vehicle isn't fully paid for.

Yet, if your car is completely paid for, and you're in a situation in which
you've just graduated and entered the workforce or you've just left the
workforce and gone back to school, money may be tight. You must have at
least the minimum car insurance requirements in NC, so you'll want your car
insurance to be as cheap as possible. In these cases, getting cheap car
insurance in NC may be dependent upon purchasing just the minimum car
insurance requirements. Seriously consider purchasing more car insurance
once you're financially able.

For more discounts to get cheap car insurance in NC, check out NC's
insurance department, or talk with the car insurance agency from which you
plan to purchase your car insurance policy. Many insurance agencies offer
discounts for purchasing multiple policies, good driving records, and even
adding addition cars to the insurance policy.

About The Author:

Cheap Car Insurance In New Jersey


Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers
are able to buy a basic car insurance policy in New Jersey - and what's
cheaper than purchasing the most basic car insurance policy available?

The Automobile Insurance Cost Reduction Act makes it possible for drivers to
get cheap car insurance in New Jersey by offering them a policy even cheaper
than the standard car insurance policy. The basic car insurance policy
includes personal injury protection of $15,000 per person, per accident, and
$250,000 per significant or permanent injury. However, the latter depends on
the policy definitions. It also includes property damage liability of $5,000
per accident.

Bodily injury liability isn't included in the basic insurance policy, but
it's an option. If a policyholder chooses to add bodily injury liability,
the policyholder will have $10,000 for everyone, per accident.

Uninsured motorist and underinsured motorist coverage aren't available with
the basic car insurance policy, nor is collision coverage or comprehensive
coverage. However, collision coverage and comprehensive coverage can be
added on, depending upon how the basic car insurance policy was issued.

As you can see, the basic car insurance policy in New Jersey, although it's
the cheapest car insurance in New Jersey, offers very minimal coverage;
however, it does offer important coverage, as well as additional features.
Those drivers with the basic car insurance policy in New Jersey have the
right to take legal action in the event of a motor vehicle-related accident,
whereas those drivers without any insurance don't have that right.

The basic car insurance policy isn't for everyone. Those drivers who choose
to obtain cheap car insurance in New Jersey by purchasing the basic car
insurance policy should do so only if they don't have much family
responsibility, they are just starting out in the work force, it is the
first car insurance policy they've ever purchase, or they can't afford any
other car insurance for whatever reason.

About The Author:

The Truth About Mexican Auto Insurance


The truth is; most Mexican auto insurance brokers will NOT tell you thatauto insurance, when driving in Mexico is not enough. The fact of the matter is that if you get into an accident, there is a VERYhigh likelihood that you will need emergency assistance. particularly inMexico where the severity of accidents can be much worse than in the UnitedStates. Additionally, most people consider health insurance a MUST . but your healthinsurance policy here in the United States usually does not cover an injuryor medical evacuation in Mexico. This means that if you get Mexican auto insurance for your trip, and you endup NEEDING it, your United States health insurance will not cover anyinjuries. Of course while it is true that Mexico does have a health system that givesfree medical coverage to its citizens, those facilities are not available toforeigners. If you're from the U.S. you will need to use a more expensiveprivate clinic. Then, it's no secret that legal officials in Mexico may attempt to takeadvantage of visitors from north of their border. If you're in an accident,you may certainly need legal help, which means you'll want your autoinsurance to cover those matters as well. The truth of the matter is that most Mexican auto insurance brokers do notsell auto insurance that adequately covers emergency medical assistance orlegal assistance. Emergency medical assistance services are so restrictedamong most auto insurance carriers that the Red Cross and a whole host ofother international relief agencies use ONLY ONE company for their travel toMexico and throughout the entire world. On top of that, most of these service contracts are written with such lowlimits and so many exclusions as to render them potentially worthless. To make matters worse, many brokers sell "Emergency Medical EvacuationServices" that end up being subcontracted to a third party vendor in Mexicowho often uses additional subcontractors.In other words, the services provided are not being performed by the companyyou're giving the money to. You can get an excellent comparison of these plans by going to AssistAmerica Comparison Chart. Once there you will quickly see why the AmericanMedical Association, The American Cancer Society, the Red Cross, and on andon all rely on this one company to ensure emergencies are properly andappropriately handled. To learn more about Mexican auto insurance, how to get the coverage you wantat a price you can afford (without getting ripped off by some fly-by-nightscam artist), see "Is Your Mexican Vacation Covered" It was written by Linden Gray, an international insurance veteran with over29 years of wholesale, retail, and direct insurance experience. Herepresents the only company deemed to adequately and inexpensively cover thevarious international relief agencies for their trips to Mexico (and assuch, people that work for those agencies tend to use this company for theirvacations to Mexico). Further, as the Director of MexicanInsuranceStore.comhe runs the only "direct to consumer"insurance agency that I'm aware of that represents the company used by thoseagencies.About The Author: Arnold Ulloa is a frequent Mexico travele & author. Emailhim at about your Mexico travels. You can also visit or[...]

Cheap Car Insurance For The Young Female


Car insurance companies are notorious for offering cheap car insurance
policies to females. This doesn't mean the car insurance companies are
sexist, but it does mean the car insurance companies take into account the
statistics that show that female drivers are usually safer drivers. Female
drivers make fewer claims, drive safer vehicles, and get fewer traffic
tickets than male drivers - statistically speaking, of course.
Therefore, car insurance companies see female drivers as a lesser risk than
male drivers.

Yet, despite the gender of the driver, car insurance companies always look
at the age of the driver, too. Older drivers are viewed as less of a risk
because they are thought to have more driving experience. Younger drivers
are viewed as more of a risk because they are thought to have less driving

So, how can you find cheap car insurance for the young females?

Use all resources. This means, your good driving record, any driving classes
you've successfully completed, your safe car, and your safe neighborhood.
Point these facts out to the car insurance agent, and you may get a cheaper
car insurance quote.
You may even discover discounts you weren't aware of.

Stay on, or "spin off" of, your parents' car insurance policy.
If you stay on your parents' insurance policy, they will most likely get a
discount for having multiple cars on their policy.
You can "spin off" of their car insurance policy if you have already been on
their insurance policy, and have now decided to get your own car insurance
policy from the same car insurance company. By "spinning off" of their car
insurance policy, you will get a cheaper car insurance policy than if you
purchased your own from another company, or without ever having been on
their policy.

By taking either, or both, of these steps you'll find cheap car insurance
for the young female; at least, until you get a bit older!

About The Author:

Is Affordable Health Care A Myth?


The one thing that everyone in the country wants is affordable health care.
In the past few decades, the cost of health care has sky rocketed. Many
people used to rely on their employers to provide good, affordable heath
care now businesses are cutting benefits to cut costs. This doesn't mean
that it's impossible to be sufficiently covered in case of a medical

As many of us are painfully aware, employers are cutting costs where
affordable health care is concerned. Often employers are expecting employees
to pay a greater share of the total of the monthly, yearly or quarterly
premiums. Many people think they can't allow for affordable health care on
their budget. They simply opt not to sign on to the company health care

At the same time these same people will always find a way to afford vice
like cable television, cigarettes, junk food, and alcohol. Perhaps if you
cut down or gave up some of these luxuries, you'd find the money to pay for
an affordable health care premium.

If you're married and both of you work, you may want to look carefully at
the health care plans provided at both places ofwork. Many people have found
that if one spouse's health care plan seems to be a little sparse in
coverage or non-existent, the other spouse's may be a little more of what
they had in mind.

Sometimes your employer's health care plan is not the best option or is
simply unavailable. If there aren't enough people in the company you work
for to qualify for a group coverage plan, which is usually always cheaper,
perhaps you'll want to discuss your options with your local insurance agent.
The same agent that provides coverage for your house, and car may also
provide affordable health care insurance.

Just as everyone should have a family doctor, mechanic, and lawyer they
trust, they should also have a local insurance agent that's faithful. If you
don't have a family insurance agent, ask friends and relatives whom they go
to for their insurance needs. A recommended, reliable, insurance agent is
sure to be able to provide you with affordable health care coverage or at
least will be able to direct you to someone who can assist you in this goal.

Some insurance companies provide a cafeteria plan for those that rely on
their coverage. A cafeteria plan allows you to pick and choose what options
you want to be covered for. This makes affordable health care possible by
making sure you won't have to pay for anything you don't need or want.

The most important thing you need to do for affordable health care is make
sure you have some sort of coverage for medical emergencies. Medical
emergencies are not something that happens only to other people. A health
care disaster could hit your family just when you least expect it.

About The Author: John Wellington provides readers with up-to-date
commentaries, articles, and reviews for, as well as other related information.

Cheap Car Insurance For Convicted Drivers


There are many different reasons a driver mat lose his or her driver's
license. He or she may:

. Be convicted for a crime involving a motor vehicle resulting in his or her
driving privileges being revoked or suspended.
(An example of such a crime is driving under the influence
(DUI) or driving while intoxicated.)

. Fail to meet the requirements of his or her probation and/or be found in
violation of the court system, including failure to satisfy traffic tickets
and/or violations.

. Have accumulated more points that allowable by their State on their
driving records.

All of these reasons can make it difficult for drivers convicted of these
offenses to obtain cheap car insurance once they're ready to fire up the ol'
T-Bird and head back out on the road. Granted, finding cheap car insurance
for convicted drivers is a lengthy process - you must be patient and
persistent - but it can be done. The first step is to correct the offenses
that made you a convicted driver, and your car insurance company may even be
able to help you along the way.

. Drivers convicted of DUI/DWI offenses can usually attend special classes
focuses on the dangers of driving drunk. This doesn't mean their licenses
will be returned to them any sooner, but it does mean they may be able to
knock a few points of their records and even make their insurance companies

. Meet the requirements of your probation and anything else required of you
by the court system. Period.

. Ask your insurance company about special defensive driving courses in your
area that will help reduce the points on your driver's license.

Remember, sometimes these solutions are available, and sometimes they're
not. Talk with your current car insurance company, or even a new car
insurance company with which you're considering doing business, and inquire
about ways to get cheap car insurance for convicted drivers.

About The Author:

Cheap Car Insurance Broker


Are you looking for a cheap car insurance broker? You are probably asking
yourself, "Who isn't?" Below are some tips for what discounts to look for,
and ask about, when searching for a cheap car insurance broker.

Look for low mileage discounts. If you are an occasional driver, you may be
eligible for a low mileage discount. A cheap car insurance broker will see
you as less of a risk if your car is not actually out on the road very much.

Stick with third-party insurance. Third-party insurance is much cheaper than
full coverage insurance, and depending on the worth of your car, you may
want to choose sticking with third-party insurance when seeking a cheap car
insurance broker.

Keep drivers to a minimum. When looking for a cheap car insurance broker,
keeping the drivers you add to your car insurance policy to a minimum helps.
Unless the drivers frequently drive the car(s) on the car insurance policy,
leave them off of the car insurance policy and save yourself some money.

Keep your car safe. Another way to impress a cheap car insurance broker is
by keeping your car safe. If you live in an area that is considered
dangerous - especially one that has a lot of car-related crime - an
insurance broker is going to see you as less of a risk if you take the steps
to safely store your car at night or anytime it isn't being driven.

Young drivers - do not give up hope! Young drivers should take advantage of
starter policies. These policies, which usually last anywhere from six to
eight months, are perfect for young drivers still starting out in the world
of driving and car insurance. Starter policies are cheaper than non-starter
policies, and they allow the young drivers to build up no claims bonuses.
Young drivers should also ask about any driving courses they can take to
help them get car insurance discounts.

About The Author:

Healthy Travel During Pregnancy


With proper planning and advice, travel during pregnancy is not a problem.To ensure that you and your baby remain healthy during travel, you need toconsider the stage of your pregnancy, your current physical condition, andany restrictions or problems you and your doctor have discussed. Also, talk to your doctor about visits or tests you need to schedule, sothat you are not away during the time these are to take place. Prenatalvisits, scheduled ultrasound tests, glucose screening tests or Rhimmunoglobulin injections (for those whose blood type is Rh negative). Assuming your doctor says it is OK for you to travel, be sure you prepare acomplete list of contact names and phone numbers to take with you. If youhave problems during your trip and need care or attention, health careprofessionals or other travelers can ensure that you get appropriate care. This information should include: Your name, age and blood type, and any medications you are taking, as wellas your health care insurance information. Also include your due date, thedate of your most recent doctor appointment, any allergies you may have tomedication or foods, and any immunizations you may have had before travel. Your doctor's name and contact information Any doctor's name and phone number you may be using while you are away fromhome Emergency contact information for your family (include more than onecontact) Be sure you have ample supply of prescription and over the countermedications, and prenatal vitamins. Make certain that your health insurance polity covers pregnancy, deliveryand other complications during travel and be sure to double check anyrestrictions that may apply to travel in foreign countries. Check the availability of travel insurance on your airline, or othercarrier, to be sure that you are covered if you have to miss part of, oryour entire, trip because of pregnancy related health problems or if youincur emergency expenses during your trip. Ask if this insurance coverscomplications from pregnancy and emergency transport. Carry a cell phone, especially if you're traveling alone, and be sure thatyour cell phone will function in any foreign country to which you may betraveling. You can plan normal activities while you are traveling, but understand thatyou are likely to get tired m ore quickly when you are pregnancy, so planfor extra rest during each travel day. Take a relaxing bath, use roomservice, sit on the beach or watch an in-room movie. Eating healthy is important, and your schedule is likely to be different onthe road, so take nuts, dry fruit, and cheese and crackers with you. Drinkplenty of water and avoid dehydration, especially if you are flying to yourdestination. Take your bathroom schedule into consideration. As an expectant mother, youare likely to need to use the bathroom often. Don't plan vacation or travelactivities that require you to be out in the middle of nowhere, away fromfacilities. And plan extra time for 'pit stops' if you are traveling by car. Remember that your feet and legs are likely to swell during pregnancy if youare sitting for long periods of time. Wear comfortable, expandable shoes andsocks and elevate your feet whenever possible. Get up and walk aroundwhenever you can on a plane, train or bus and if you are traveling by car,be sure to walk around a bit when you stop to use the bathroom. If you are traveling to a foreign country, you and your doctor will have to[...]

Having A Baby? Check Your Health Insurance Coverage. Repeatedly


Congratulations, you're pregnant! Now go check your health insurancecoverage. Great, the baby's nursery is painted, decorated, and ready! Now gocheck your health insurance coverage. Wow, you've just received a ton ofbaby gifts for your baby shower! Now go check your health insurancecoverage.Oh boy, your hospital bags are packed and it's almost delivery time! Now gocheck your health insurance coverage. Well, maybe it's not quite to that extreme, but health insurance problemscan creep up at any time. Unfortunately some people learn that the hard waywhen they receive a hospital or doctor's bill that's many times higher thanwhat it should be.The problem is that with most of today's healthcare networks, there arein-network and out-of-network providers. Choose a provider that's in-networkand your bills will be substantially lower. Choose an out-of-networkprovider and you'll likely pay three times as much or more. At this point, you're probably thinking, "No problem. I checked my networkdirectory and chose an in-network OBGYN and hospital.I'm covered." While that was probably true when you first checked thedirectory, that may not be true today. Unknown to many patients is thatdoctors and hospitals often fail to renew contracts or drop insurancecompanies for some reason. That's why each and every time you visit yourOBGYN or check in to a hospital, you're asked to fill out the same insuranceforms and sign the same payment guarantees you've signed countless timesbefore. At that time, they should inform you if your insurance is no longeraccepted, but that's not always the case. Doctor's offices and billingdepartments are not always up-to-date and aware of insurance contractchanges. The only time you may find out a problem exists is when you get thebill. Even if they are aware of the insurance change and you are informed,you certainly don't want to get that information when you're checking in todeliver your baby. Your best bet is to call both your insurance company and your chosendelivery hospital well before your big day and again as your due date getsnearer. Make sure they accept your insurance and are an in-network provider.If possible, find out when their contract expires and if it is beingrenewed. Just because they accept your insurance today doesn't mean the samewill be true tomorrow or next week or on your day of delivery. If you do find a problem with your insurance, your options may be limited topaying the higher rates, switching insurances, or switching doctors and/orhospitals. Before you go to any of those extremes however, contact yourinsurance company to see if they will grant you an exception where you cancontinue with your out-of-network provider at an in-network rate. Also, callyour hospital or doctor to see if they can come to some kind of compromisewith your insurance company. While neither of those are likely to happen, itis worth a try. If you end up needing to switch insurances, make sure youcheck their rules regarding pre-existing conditions. So, go on celebrating your pregnancy, decorating your baby's nursery,unwrapping your baby shower gifts, and getting ready for your baby'sentrance into the world. Then, GO CHECK YOUR HEALTH INSURANCE COVERAGE.About The Author: Kenneth Taylor is an editor for the Binky Links OnlineBaby Store and Information Directory. Visit the di[...]