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Last Build Date: Mon, 20 Nov 2017 06:28:11 +0000


Lives for freedom

Mon, 10 Feb 2014 07:10:00 +0000

Every human being in this world, regardless of age, all of them would want freedom and independence in their lives. Can play, can do the activities, hobbies and so on without any hindrance.
For those of you who live and grow normally without physical deficiencies, it may be very easy to do all that, but what about our brothers and sisters who may be a little different with your life. Maybe his life has little physical deficiencies, either congenital or due to an accident or other.

But this time it is no longer a barrier. For brothers and sisters who may have difficulty in performing these activities, do not need to worry anymore, now there are many tools that can be used to do all of it, such as Wheelchairs, Auto Lifts, Mobility Scooters, Lift Chairs, etc . With this tool, we can enjoy the freedom of life without any hindrance, for they are already in the design such that it is helpful to live a free life, active and independent.

For those of you who are interested and would like to have such a device, you do not have to worry, all of it can be found at Scooter Link, owned leading distributors of mobility scooters, power wheelchairs, wheelchair lifts and lift chairs.
Scooter Link has been operating for more than 14 years and provides a wide range of products such as electric wheelchairs Pride, Pace Saver, Heartway, CTM, Graham Field, etc, with the best quality products, discount prices and relatively inexpensive.

Wait no more, enjoy your life to the freedom and independence without a hitch.

Tips to find a Good Car Insurance

Mon, 08 Oct 2012 09:52:00 +0000

For those of you who have a vehicle, it is important for you to insure your vehicle, to help you out of all the problems of the street from the accident, loss, etc.

It is very important for you, as a vehicle owner, to insure their vehicles. Vehicle accidents are unpredictable and may cause damage not only to your vehicle but also to other people and their property. If this happens, you have to pay damage caused to people and property. Sometimes the damage is too much for you to bear on your own. That is why you need car insurance to help you compensate for damage.

You can either take up this policy on the internet or by going to an insurer and filling out the necessary forms. The internet option is much faster since you do not have to fill out many forms. You just need to use a mouse to fill out everything. It is also convenient since you can do it from the comfort of your home or office. It saves time as you do not have to drive to the premises of your insurer.

Before taking up any policy, you need to know what it entails, what coverage you expect from this policy, what its monthly contributions are, and other such ideas. This will help you know what you are getting yourself into. You will be making certain monthly payments, so it is important to gather such information.

The first plan you need to consider is a vehicle surety policy. This is especially important if you were involved in an accident and you have to pay for all the liabilities caused by the accident. This a very important policy which makes you spend time behind bars if you fail to pay for those liabilities. Besides, in most countries, it is mandatory to have a liability policy before they are allowed to drive.

Another option to consider is collision policy. This is a very good policy for vehicle owners since it covers for damage regardless of who caused was at fault. In addition, if you want to protect your car in case of fire, theft flood and so on, then you need to take up a comprehensive package.

A car insurance online policy is recommended for anyone who wishes to cover their vehicles against damage. You should note that the rates for these policies differ. So you need to take a policy whose rate of interest is low and whose monthly payments are affordable. You also need to pay attention to the terms and conditions of the firm you are taking the policy with. If they are favorable, take the policy with them.

Before you make a choice, you should study it carefully that the insurance company you choose so you do not get any of the choices. Find as much information as possible, both from family, relatives, relatives or other information media.

Steps before choosing an insurance

Tue, 14 Aug 2012 02:55:00 +0000

Insurance can be defined as a system to lower the financial loss by passing the risk of loss of a person or entity to another.
In today's world many people who already have insurance.
How about you? Do you currently purchase and own an insurance policy?
If so, what kind of insurance do you have? Did you read and understand the terms and conditions of the policy, before deciding to buy it? If you had not understood it correctly, what was your consideration that makes you buy the insurance policy? Nowadays, there are a lot of people who buy the insurance product, who decided to buy and have a policy not because they had analyze the risks and need the insurance protection.
They buy the insurance only because of continuous offerings by friends, colleagues or relatives. They buy because they feel bad to refuse the offer. At the end, they buy and pay for a policy that they do not really need at that time. Also, they don't understand the policy.
My suggestion, before you decide to buy a product of any kind, especially the insurance products that contain a written agreement in the form of policy and legal language, and written in small letters, you should ask for "dummy" policy to be read, studied, and understood. You have to understand the terms and conditions, the risks that are guaranteed and the risks of being excluded. Make sure all risks you need to be guaranteed in the policy are purchased there.

Some steps that you deserve to go through before you buy and pay for the insurance policy :

  1. Analyze the risks that are owned and dealt with, then set aside a "budget" for protection fund.
  2. Contact the insurance company directly or insurance agents.
  3. Ask for quotes from at least two sources for the type of insurance policy that you need.
  4. Ask the specimen policy of the types of insurance offered.
  5. Ask for an explanation from the seller, and understand the differences of each offer. Explanations should be put on and refer to the "dummy" policy, so that what the seller said should be based on the policy.
  6. Remember that the cheaper premium is not necessarily the best, there must be a cause. Probably there is different risk covered by the product and the insurance companies are different class and reputation.
  7. Ask about 2 weeks and understand yourself by reading directly from the specimen that you currently have.
  8. When you have understood correctly, and believe your choice, please go ahead and contact the seller.

Before taking a decision to make a choice you should really consider all aspects, so as not to regret in the future.

Know About Universal Life Insurance

Tue, 08 May 2012 09:31:00 +0000

One benefit of purchasing a universal life insurance policy is that besides accumulating a tax-deferred savings, one may not have to pay premiums during the entire policy. If money to pay the death benefit and other related costs accumulates in the tax-deferred savings portion of the policy, then premiums may eventually not be required to keep the policy in force.

Along with providing a death benefit, universal life insurance also incorporates a savings vehicle. In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account.

So who could benefit from a universal life policy? Since a universal life policy is an investment vehicle along with a life insurance policy, only people who feel they need life insurance into their 70's would benefit from a universal life policy. This would give the savings portion enough time to possibly accumulate into an investment. Most persons will not need life insurance that late in life, and in the case life insurance is not needed that late, it may be more beneficial to purchase a term life insurance policy and plan a proper retirement investment savings account such as a 401K or annuity.

If a universal policy looks right for you there are a few important points to remember. First, make sure you plan to have the policy long term since you will need to have the policy in force at least 15 years to be eligible for any return of the policy. Second, make sure you have a knowledgeable insurance agent to review your other options such as term and whole life insurance.

In addition to the above information you should also consult with an insurance agent you have chosen.

Why You Must Have A Car Insurance

Wed, 08 Feb 2012 09:32:00 +0000

(image) Car insurance it is something that is required by law and it protects you and your car. Car insurance is a very important instrument which can help you avoid large unforeseen collision costs is automobile insurance. When you experience a road incident and vehicles or property is destroyed, your automobile insurance can help you pay another party for any loss. That is provided you are proved to have caused the incident. It is also possible to compensate for death or physical injuries through your policy.

A normal incident consists of nearly anything from little blemishes and cracks to the complete wreckage of your entire car. In case your vehicle is a little broken, you only need to pay one or two hundred dollars. However a serious repair costs thousands and thousands. It depends on where the damage is. You might have damaged some unique parts too. And you may also need to restore your paintwork. Hence repair cost varies significantly.

In case your auto insurance premium is only a small fraction of the repair fee, it could be worthwhile to claim from the insurance provider. Nevertheless in case the claims is simply a fraction of your premiums, it really is not good to file for claims. The reason being you might have increased premiums you have to pay every time you make a claim. The more claims you make, the higher will be the vehicle insurance premium you have to pay in the following 3 years. This could appear ridiculous, but it's certainly true.

You should only claim from the insurance plan if your collision damage is higher than your insurance coverage premium by a large factor. This means your insurance claims must be no less than 150 percent of the premium amount for you to help make your insurance claim worth it. Definitely, if you have any form of financial stress as a consequence of a sizable car accident bill, file the automobile insurance claims instantly.

Any sort of collision that concerns actual injury has the possibility to get real messy. Medical help is typically required right away. As such, critical treatments, medical costs and hospital expenses may suck your banking account dry very quickly if you are found guilty of inducing the accident. This makes motor insurance policy increasingly essential. Accidents can happen. Accidents are occasions which nobody wants. Yet they still happen. Your car insurance policy looks after this kind of risk for you as the insurance company will pay for all the loss you cause in the event of a car accident.

There are several kinds of auto insurance. Be sure you choose a comprehensive plan. The reason being a third party or 3rd party fire and theft insurance policy merely handles the damage you bring about to other people. Your own automobile is left exposed to harm. Thus you're still left vulnerable to large financial obligations if your automobile is totally broken.

Do not wait any longer, soon your vehicle insured now.

How to Choose Fleet Insurance

Wed, 16 Nov 2011 09:38:00 +0000

(image) Currently many companies that offer fleet insurance. If you require fleet insurance, you should consider a few things below.

When you are running a company that transports items back and forth it can be expensive. However, if you know what to find in fleet insurance it will be easy to locate the plan which can help save you quite a bit of money. Some of the items you should be looking for includes the amount of money you have to pay for the coverage, what kind of coverage is present for you to have, and even the reputation of the company when it comes to handling the accidents your company can have.

Reputation the company has in the industry is something you should be looking at as well. When you are able to review the reputation, it will be easy for you to determine if the company is the best one for representing your company properly should an accident happen. Without this type of review on the reputation it is easy to select a company which may not represent your company or industry properly.

Amount you need to pay for the coverage can be important to view. When you have this information it will be easy for you to get the best deal possible, but also know how much money you have to factor into the cost you process to your clients to guarantee you have the proper payment in place. Without knowing this, it is easy for you to lose more than what you are making.

Types of coverage which is present is important for you to know about. When you know about this, it will make it easy for you to determine if the coverage will be enough for your fleet or not. Without having this information it will be nearly impossible for you to guarantee if the coverage is enough to pay for any of the bills you have.

Being able to have the best company possible can be a great thing to do. However, you will need to know this type of company can be expensive to run at times. Once you know about what to find in the fleet insurance it will be easy for you to select the proper company to help you with your insurance needs. A few of the things you should be looking for will be how much you have to pay for the coverage, know what type of coverage is present for you to use, and the type of reputation the company has in relation to the industry in general.

Hopefully this information can assist you in determining fleet insurance options you'll use.

Tips to Choosing a Health Insurance

Tue, 26 Jul 2011 06:53:00 +0000

Health is the most important asset in life, we do anything to maintain health is included in the cost anticipate unexpected costs by choosing one health insurance to facilitate the financing.Whatever your situation, there are a number of resources you can use to locate the right type of health insurance for your budget and needs.Local AgentsA key step to finding health insurance is to research agents that are right in your own backyard. Insurance agents are typically listed in your local phone book, which makes them quite easy to find. For instance, you can peruse the “insurance” category of your traditional printed Yellow Pages and discover a wide variety of providers. The insurance companies will typically be listed alphabetically, and some will have descriptive ads that spell out the type of insurance products they offer. However, most simply list an address and a phone number you can contact for more information. You can also use the white pages of the local telephone book to search for specific agents—if you already know their individual names. Or if your prefer, you can take advantage of to conduct a quick online search for insurance providers.Online ResourcesThere are myriad Websites with information about health insurance companies. A popular option is Yahoo! Directory Canada. The database displays numerous listings for Canadian insurance brokerages under the Health Insurance Providers section. The listings are arranged alphabetically and offer a brief description of the types of insurance products available. Yahoo! Directory Canada provides quick click access to the providers’ Websites, as well as their contact phone number.Another extensive online source for health insurance information is This comprehensive site offers a wealth of information, as well as a directory of providers that deliver online health quotes. The directory section of the site features a range of organizations that offer Web-based information and online quoting for some or all of their health and related products. Many of the products can be purchased online or face-to-face through local representatives, depending on your comfort level. The secure Website allows visitors to shop online for employee, individual (personal/family), or student health insurance all from the convenience of home.Canadian Insurance Directory also features a broad selection of insurance agents and brokers. The site has nearly 9,500 brokers representing nearly every Canadian province and territory.Important Things to Keep in MindWhen searching for health insurance, it’s important to keep in mind that some agents sell insurance exclusively for one company. Others act as independent brokers who promote a variety of insurance products from various organizations. Whether agents sell insurance for a single company or multiple providers, you can call them to receive a free rate quote over the phone. Or you can opt to visit their office for a personal consultation.Prior to contacting an agent or broker, you should evaluate your situation and identify your specific health insurance needs. Be prepared to shop around to ensure you obtain the most appropriate health coverage for you and your family. Steer clear of plans that don’t offer insurance coverage, but provide discounts on the cost of health care services. Here are some other factors to consider as you explore different insurance options:• Make sure you understand exactly what medical services are covered and whether the policy fits your requirements.• Know your deductible, the amount you are responsible for before insurance begins paying for services. Likewise, determine what amounts you will be required to pay after you meet the deductible.• Find out if the plan covers health problems you already have.• Know which doctors are covered in the provider’s network and how much extra you would have to pay t[...]

4 Ways to Choose Cheap Insurance

Tue, 26 Jul 2011 06:30:00 +0000

Whenever you need cheap insurance you must be informed first. Whether you want to supplement your existing coverage or simply purchase insurance to meet a specific for you.Currently everyone is are looking for ways to cut their costs because of the bad economy that is still haunting the US. And one of the most common objects of such cost-cutting tendencies is auto insurance. Because it's mandatory in all states and can be rather costly people often feel that they don't really need it. Some car owners even choose to drop it and then face serious financial and law problems when having an accident without any kind of coverage. You, on the other hand, can be smarter and simply employ the following cost-cutting methods to save some money on insurance :1. Cut your coverageIf you have financed your car through a loan and have already paid it off you can consider dropping some coverage types to make your policy cheaper. First of all you can exclude gap coverage that is only useful during the loan pay out period. If there's no significant market value to your car then consider dropping collision coverage as well. Uninsured motorist coverage can be particularly useful but if you're driving mostly in areas with no uninsured drivers then there's no sense in paying for this type of coverage. It's really important that you review your policy every year and adjust it to your current insurance needs that will definitely change over time.2. Raise the deductibleThe deductible, as you may already know, is the amount of money you have to pay from own pocket before the coverage kicks in. In other words, it's the amount of damage you can pay for without using auto insurance coverage. And the higher is the amount the lower are your rates, because there's a lower risk of filing a claim for the insurance company. So make sure to avoid keeping the deductible low because it will raise your rates. By increasing the deductible from the standard $250 to $500 you can actually get up to 15% off your premium. But keep in mind that raising the deductible too high doesn't make much sense because you should actually afford paying it when an accident happens in order to trigger coverage.3. Get your discountsYour insurance provider may not advertize their discounts but this doesn't mean that there aren't any. All insurance providers have different types of discounts to encourage their customers. And here are some of the most common discounts you can find with most insurance companies to get cheap car insurance: low yearly mileage, multiple cars, multiple policies, good driver, good student, defensive driving course certificate, improved car security and many others. So it really makes sense to ask around your insurance provider in order to get all the possible discounts.4. Shopping around is a mustIf you have never been shopping around for cheap car insurance in the first place then you've done a big mistake. You can be really surprised to learn how much money you can save my just shopping around a bit and comparing insurance quotes from different providers. Every company has it's own methods of calculating rates and this results in different rates for the same coverage bundle.[...]

Life Insurance and Income Protection Insurance

Fri, 08 Jul 2011 03:25:00 +0000

(image) While going to opt for the life insurance or Income protection insurance, it’s important that you get the proper advice for the same. For that, you can easily find the several websites on the Internet to get optimistic advices form the globally recognized and valued company.

It's very simple to organize your own life insurance policy and after all absolutely overlook it. However it is crucial to analyse your own life insurance policy regularly. Particularly within conditions in your life alter. Simply because the insurance policy rates have came lower substantially, it might simply seem sensible that you should say goodbye to your own aged as well as costly life insurance policy as well as consider a fresh one in the marketplace. A big change is definitely encouraged, when the modification is perfect for the life. The insurance plan must be modified as well as revised regularly.

Based upon the actual adaption that you experienced you need to frequently update the actual plan in order that it fulfils your own rising requirements. It will be wise and sensible move to proceed to close your old and costly policy and get brand new one in the marketplace. It’s purely visible that life insurance is the reliable way to make the life of our loved ones safe and secure. However, we do have to take policies, it’s important to review it once. Along with that, it’s also important to make the necessary changes as the life takes turn.

Basically the Income protection insurance or any other policy is really assurance towards loss or even damage. There are numerous kinds of insurance policies such as life insurance policy, medical health insurance, auto insurance, company insurance coverage; transportation insurance policy, and so on. All sorts associated with insurance policies offer benefits to the holder.

You never know when you are going to facade any problem, it’s certainly unpredicted. There are few problems such as unemployment or illness when you become helpless, if you are not holder of the Income protection insurance. The Income protection insurance it devoted to pay you for the specific time of period during your idleness due to any crisis.

In contrast to other forms associated with insurance plans, the Income protection insurance is actually organized towards the people from month to month, to enable them to deal with what's needed associated with everyday life. They're not really supplied the actual lump amount, that is generally provided within other forms associated with insurance plans.

How to get Cheap Auto Insurance

Thu, 02 Dec 2010 06:24:00 +0000

(image) If you want to get a good auto insurance policy with all the necessary coverage for a fair price then you're in the right place. We have dedicated this site to providing cheap auto insurance offers from the most reliable and well known insurance companies. Our tools will help you find exactly what you are looking for without having to spend much time on browsing through dozens of corporate sites.

Cheap auto insurance is not a myth like most of you may think, but a reality that can help you reduce your expenditures and adjust your spendings to your economical needs. It is believed that auto insurance is a rather costly option and it is impossible to refuse from this type of insurance without breaking the law. But despite common beliefs, cheap auto insurance is reality and all you have to do for getting a good cheap policy is shop around and know exactly what your insurance needs are. Sometimes people get certain types of insurance coverage without knowing what it means and paying for the thing they don't need at all. And if you want to reduce your insurance spendings you'll have to understand the basics of auto insurance.

Our site is here to help you find cheap auto insurance policies from reliable insurance companies as well as learn valuable information about the basics of auto insurance so that you could determine what your needs are. We don't advertise for certain companies, we just work with those that are recommended both by consumers and insurance professionals so that you could get the right degree of service without overpaying for your policy. The tools presented at our site will help you find the policy you need according to your exact specifications in just a few clicks of the mouse. Do not waste your time looking for the right solution browsing through numerous corporate sites. Comparison shopping is the best way to get cheap auto insurance and we have created all the conditions to make this process as easy and comfortable as it can get! So come on in and get the right policy today!

Different Types of Auto Insurance

Fri, 19 Nov 2010 06:16:00 +0000

In case you are a proud car owner you definitely know how annoying and distracting auto insurance might be, especially when you have high rates to pay. Many people complain about their auto insurance policies being too expensive. But do you know that there are different types of auto insurance policies out there on the market? And some of them are much cheaper than the one you carry! That's why before buying a new policy or switching to another provider we recommend learning all types of insurance policies and selecting the one that suits your needs best :Fully ComprehensiveFully comprehensive car insurance policies are the most expensive and probably the most widespread policies in the US. A large part of autos in the US are financed through loans or leased, letting auto insurance dealers and lending companies include additional requirements regarding auto insurance, which they gladly apply. Most lending institution require buying fully comprehensive coverage for the vehicles they finance, so if you are the “lucky” one to use this option, be prepared to pay a lot for your auto insurance.As you can understand from the name, fully comprehensive policies cover the vehicle in virtually all types of insurance situations, starting with collisions to fire and theft. The best part of it is that it will pay regardless of who's at fault in the accident. Even if you had a crash with an uninsured car owner you still can claim against your company.The hidden catch, however, is the high price of such policies. Moreover, with most insurance companies your policy will cover only a part of the car's cost, not the entire value. Read your policy careful before signing it, as in most cases it will denote a percentage of value, usually around 80%, your car will be insured against.Third Party, Fire & TheftThird party, fire & theft policies are the most appropriate type of auto insurance for those who have already settled their loans for financing the purchase of their vehicle, but still having auto car insurance is a middle of the road car insurance package popular with those who have already paid off their auto loans, but who still have a certain level of additional value with the vehicle.This type of auto insurance is quite similar to fully comprehensive when it comes to insuring circumstances like fire or theft. However, when it comes to collisions with other cars, third party policies will only pay if you are at fault in the accident. In other cases you insurance company won't pay you anything, regardless of how much insurance coverage the other party carries. The same applies to collisions with walls, fences and simple car damage.Third PartyThird party is probably the most stripped down type of auto insurance. It will cover only a collision with another car when you were at fault. All other situations and circumstances won't be covered by your company. But because of this, it is the cheapest type of auto insurance available on the market and will best appeal to owners of old cars with reduced value.[...]

Why do you need Auto Insurance

Tue, 26 Oct 2010 06:20:00 +0000

Insurance is not any different from other product or services. When you are looking for a new TV set, you will probably check a couple of stores before purchasing in order to learn where's the best price and buy it there. When trying to repair a leaking roof you will ask a number of specialists about their rates before selecting the one to do the job. With auto insurance is the same story. Only that you don't go to stores or ask providers, but compare your future auto insurance quotes by using quotes.Auto insurance quote sites have flooded the Internet, offering users virtually all types of auto insurance solutions from different providers. And while this may be a bit annoying at first, when it comes to paying your insurance premiums, you will probably wish you had a better and cheaper policy. That's exactly what auto insurance quotes are for. Whether looking for a new policy or trying to switch providers, online car insurance quotes give users the most effective way of comparing rates and companies, without the need to leave homes, or even call providers.So the next time you come across auto insurance quotes, take your time to use them to your advantage. Try getting as many quotes from different providers as you can, because you will have a wider range of options to consider. And that's the best way you can find cheap auto insurance these days. There's no obligation to buy and most auto insurance quote services are free of charge. So take a couple of minutes, analyze your local market and apply with a company you think has the most interesting offer. Only this way you can get a really good policy that will let you save some money while having the right amount of coverage for your car. Yes, it's really that simple and auto insurance quotes are what you need in the first place.Quotes are similar to price tags you seen in the supper market. The only difference however is that insurance services don't come with fixed prices. There is a wide range of factors that will influence a person's insurance premiums, so each applicant is analyzed individually and given a price estimation based on his particular situation. That's a quote. So every time you fill out a quote form you send your data to the insurance company, where it's analyzed and given a rate according to how much of a risk you are for the insurance provider.[...]

How to find Cheap Auto Insurance

Mon, 18 Oct 2010 07:29:00 +0000


Right Auto Insurance Limits

Thu, 30 Sep 2010 07:18:00 +0000

(image) For guidance on limit setting, check with your mechanic to get an idea of repair and replacement costs for your car. Also, check with your insurance company to see if they have any data that will give you the average amounts for claims of various natures in your state. Lastly, make sure the limit you choose looks like one that will cover the bulk of any accident or insurable event and doesn't seem like it will leave you paying out-of-pocket beyond your deductible.

Insurance policies do not supply endless amounts of coverage. In fact, there is a limit to how much all of your insurance policies will pay for an insurable event-including your health insurance, home insurance and auto insurance. These caps are called limits and they protect your insurance company from committing an endless supply of dollars toward the reimbursement of your insurance incidents.

Imagine how difficult it would be to develop auto insurance rates if you had no idea how much you might possibly have to spend on a particular accident. It would be almost impossible. From medical expenses to emotional damages, from property damage to auto damage-there is no end to the amount of money you could be responsible for without limits to your benefit set.

When you get your auto insurance rates and quotes, you are asked to decide what kind of limit you want on your policy. The lower the limit you choose the less the insurance company knows it will have to spend per insurable interest-and that means the lower the rates you are quoted. But if you choose a limit that is too low in your eagerness to get cheap auto insurance rates then you run the risk of hurting yourself. Why? Well what do you think happens if it costs more to fix your car after an accident than the limit in your policy provides? That's right-you have to pay it out of pocket. Any expense that exceeds your limit must be paid by you and if you don't have the funds available then you run the risk of having your car in the shop and unrepaired much longer than you intended.

Universal Life Insurance

Sat, 04 Sep 2010 04:31:00 +0000

(image) Universal life insurance might sound like a policy that covers more than just your life, but in reality, universal life insurance is simply a life insurance policy that offers a death benefit as well as the option for cash value accumulation. With universal life insurance, you have a varying premium that you can pay. The minimum you need to pay is the cost of insurance. This is the amount that will pay for your death benefit but will not result in any cash value accumulation. You can also pay more than your cost of insurance and that will result in some cash value accumulation.

Cash values accumulate and earn a fixed rate of return in a universal life insurance policy. They are not subject to the volatility of the stock market and there are no sub accounts for you to choose. While the premiums of a universal life insurance policy may be flexible, there is a maximum that you can pay. If you exceed this maximum then you may accumulate cash values too quickly and a modified endowment contract (MEC) may occur. In a modified endowment contract, the value of your cash values rises too close to the value of your death benefit and the policy cash value becomes taxable. One of the great benefits of a universal life insurance policy is the tax-free accrual of cash values and the ability to take tax-free loans, so this is definitely something to avoid.

Unlike a term life insurance policy, universal life insurance policies offer a death benefit that is valid over the entire course of your life as long as you pay your premiums on time and keep the policy in force. There is no need for further underwriting as the years go by and no reason to find additional insurance. In a term policy, since the death benefit only covers you for a pre-determined term (or period of time) you might need further underwriting and could be at risk for a higher premium as your health deteriorates. Like all life insurance policies, riders can be added to the universal life insurance policy in order to increase its value. Souse riders, accidental death riders, child riders and accelerated benefit riders are just some of the choices you have.

Benefits of Buying Auto Insurance Online

Fri, 03 Sep 2010 04:17:00 +0000

Many years ago, getting quotes were time-consuming since people who are interested to obtain car insurance have to personally visit and transact business with car insurance companies. Some even prefer gathering a number of quotes through phone. Insurance agents are also very irritating and insistent during those days. Good thing they've faced extinction.

The worldwide web has made our lives much easier and with just a simple click, we can have all the information we want. If you like to have many quotes for comparison purposes, just go to the different websites of car insurance companies and accomplish a data form. After which, the quotes you have requested will be delivered within a few seconds.

The biggest advantage of obtaining quotes online is that you will be able to compare the policies and coverage that the insurance companies have in store for you. In this kind of process, you will not be pressured by insurance agents. After you have chosen an insurance provider, just call or email them.

When you prefer gathering quotes online, you have to bear in mind one important thing. Be honest! You have to tell only the truth when you're filling up auto insurance application form online. If, from the start, you gave wrong information, you will, in return, get a wrong quotation. If in case, you'll meet a car accident in the future, your claim will not be granted.

Online application forms of car insurance companies have a space intended for additional information that you want them to know, which might help you get a better deal. Let's say, you were never involved in a car accident for the past 20 years, it would be a nice idea to mention that.

The rates that appear on the auto insurance quotes are dependent on a lot of factors. There's no such thing as standard insurance quotes. There are some car insurance companies that offer a better deal to women because it is assumed that women are more responsible drivers. Higher insurance rates are, however, given to young drivers and to those who have old cars.

Steps to Filing Your Auto Insurance Claim

Thu, 02 Sep 2010 04:38:00 +0000

(image) Here are some steps to claim insurance :

Evaluate whether or not you should file a claim

Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.

Fill out your What to do After an Auto Accident Worksheet

This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

File the claim ASAP

You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

Prepare for a possible call from the other insurance company

If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

Finally, getting your car fixed

If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

Understanding Health Insurance Terms

Thu, 02 Sep 2010 04:10:00 +0000

When searching for a health insurance plan or after one has already signed up, the plan terms, or descriptions of provisions and coverages can be hard to understand. When one is reviewing the terms they often confusingly say, “What does that mean?”Help is here! Below is a list of common health insurance coverage terms to help everyone understand more about what their health insurance plan has to offer.You may also be interested in the Health Insurance Reform DefinitionsDeductibleThe deductible refers to the amount of money that the insured would need to pay before any benefits from the health insurance policy can be used. This is usually a yearly amount so when the policy starts again, usually after a year, the deductible would be in effect again. Some services, like doctor visits, may be available without meeting the deductible first. Usually there are separate individual deductible amounts and total family deductible amounts.Co-insuranceThis is usually a percentage amount that is the insured's responsibility. A common co-insurance split is 80/20. This means that the insurance company will pay 80% of the procedure and the insured is required to pay the other 20%.Co-paymentsThe co-payment is a fixed amount that the insured is required to pay at the time of service. It is usually required for basic doctor visits and when purchasing prescription medications.Out-of-PocketThis is the cost one would pay out of their own pocket. An out of pocket expense can refer to how much the co-payment, coinsurance, or deductible is. Also, when the term annual out-of-pocket maximum is used, that is referring to how much the insured would have to pay for the whole year out of their pocket, excluding premiums.Lifetime MaximumThis is the most amount of money the health insurance policy will pay for the entire life. Pay attention to individual lifetime maximums and family lifetime maximums as they can be different.ExclusionsThe exclusions are the things that the insurance policy will not cover.Pre-existing ConditionsThis is something someone had before obtaining the insurance policy. Some plans will cover pre-existing conditions while others may completely exclude them and, in addition, some health insurance plans will cover pre-existing conditions after a certain time period.Waiting PeriodThis is the time one would have to wait until certain health insurance coverages are available.Coordination of BenefitsIf the insured has available two or more sources that would cover payment for certain conditions, such being under a spouse's insurance plan along with their own, the insurance company would not pay double benefits. In this case the health insurance company would coordinate benefits to make sure each plan pays a portion of the service.Grace PeriodThis is the amount of time one has to pay their health insurance premium after the original due date and before insurance coverage would be canceled.[...]

Fixed Annuity Sales Slump Since 2009

Tue, 24 Aug 2010 03:53:00 +0000

(image) Fixed annuity sales in the first half of this year slumped 37 percent compared to the first half of 2009, erasing the meteoric rise in sales amid the flight to safety during the recession, according to LIMRA data released today.

The drop brings FA sales to $40.5 billion in the first half, compared to $64.2 billion in last year’s first half. This year’s first half total is also lower than $47.6 billion in 2008 but still higher than the $34.2 billion in 2007. This performance was the opposite of variable annuity sales, which plummeted during the recession. VA sales went from an all-time high of $89.6 billion in the first half of 2007 to $84.3 billion in 2008 and $62.6 billion in 2009, when VAs sold less than FAs for the first time since 1995.

Since last year, VAs found their footing, growing about 8.5 percent to $67.9 billion this year. Even so, it did not make up for the FA loss and the total market dropped to $108.4 billion, which is down about 17 percent since 2009 and off 21.6 percent compared to 2008, which was the total annuity market’s best first half ever.

“We aren’t surprised by the decrease in fixed annuity sales,” said Catherine Theroux, LIMRA spokeswoman. “In this low-interest rate environment, consumers are reluctant to lock into a long-term fixed annuity.”

The growth in VA sales reflect more confidence in equities markets but also a consumer drive for a return that exceeds CD rates but also the safety of the guaranteed minimum that most VAs now feature. This is the same dynamic that has helped indexed annuity sales boost sales within the fixed annuity segment, according to data released on Sunday. Indexed sales were $8.3 billion the second quarter, which represented a 22.8 percent increase over the first quarter. Indexed sales were about where they were in the second quarter of 2009, showing a 0.1 percent drop.

Sheryl J. Moore, president and CEO of, said she expects the upward trend to continue throughout this year. “With CD rates at 1 percent and fixed annuities crediting a mere 3.65 percent on average, it is no wonder that this was the second-highest quarter in terms of indexed annuity sales,” Moore said. “It is going to be another record year.”

Argo International builds Directors and Officers Team

Mon, 23 Aug 2010 03:34:00 +0000

Argo International builds Directors and Officers team with two underwriting appointments.
Argo International, a specialist Lloyd’s insurer and subsidiary of Argo Group International Holdings, Ltd. (NASDAQ: AGII), today announces that it has further added to its Directors and Officers (D&O) team with the appointment of Rita Mistry and Anthony Hope.

Reporting in to Paul Kneafsey, Rita and Anthony join Argo International from Dual Corporate Risks’ D&O division, where they were central to the expansion of the company’s D&O portfolio.

Their appointment follows the recruitment of Andrew Robertson to Argo International’s D&O team. Rita and Anthony will join Andrew to write flexible D&O solutions as part of Argo International’s wider Financial Lines business.

Julian Enoizi, CEO of Argo International, said "As part of the wider expansion of our business, we are building our Liability offering and, with their experience of developing D&O accounts, Rita and Anthony will be integral to the strategic growth of our Financial Lines business.”

Source : Argo Group

AIG to open office in Beijing

Wed, 08 Jul 2009 06:16:00 +0000

American International Group Inc.'s Chinese operation has received permission to open a branch office in Beijing.

Shanghai-based AIG General Insurance Co. China Ltd. said in a statement that it has received approval from the China Insurance Regulatory Commission to establish an office in Beijing as part of plans to expand its geographic footprint in China. The division also has branches in Guangdong and Shenzhen. AIG General was incorporated as a wholly owned foreign enterprise in September 2007. AIG in 1992 became the first foreign insurer to receive a license to operate a general and life insurance business in China.

Pillar of Berkshire empire

Mon, 04 May 2009 16:49:00 +0000

(image) Being a big insurer will amount Berkshire Hathaway Inc. dearly back astringent catastrophes strike, but it is a acceptable abode to be in the bosom of an bread-and-butter downturn, Chairman Warren Buffett said.

"We are lucky," said Mr. Buffett, as he addressed bags of shareholders at Berkshire's anniversary affair in his hometown of Omaha, Neb., on Saturday. Insurance, forth with utilities, addition big business for Berkshire, are sectors "relatively artless by the recession," he said.

Berkshire operates almost 80 businesses, including See’s Candies, Fruit of the Loom underwear and bogus homebuilder Clayton Homes, but generates about bisected its after-effects from insurance.

U.S. insurers accept been abominably aged back aftermost year by advance losses, circuitous now by attenuated appeal amidst the bread-and-butter recession.
Among Berkshire's allowance companies are the auto insurer Geico Corp., reinsurer General Re Corp. and band insurer Berkshire Hathaway Assurance.

"The balance ability of (Berkshire's insurance) businesses was not as acceptable aftermost year as normal," Mr. Buffett conceded. "And it won't be as acceptable this year. But best of them will do well, and abounding of them will do exceptionally. Allowance gives us a lot of balance ability that we are activity to access over time."

Mr. Buffett said Berkshire's allowance businesses had a first-quarter underwriting accumulation that was "a little more good than aftermost year," but the recession aching after-effects at abounding added businesses, blame all-embracing operating accumulation bottomward about 12% from a year ago.

Many in Omaha this weekend said their better affair was the broader bread-and-butter turmoil. A almanac 35,000 showed up at the anniversary meeting, area Mr. Buffett and Berkshire Vice Chairman Charlie Munger answered bristles hours of questions on Berkshire, the abridgement and added issues.

Aspen Profit

Thu, 30 Apr 2009 15:37:00 +0000

(image) Aspen Insurance Holdings Ltd. on Wednesday reported $91.4 million in net income for the first quarter of 2009, a 12.6% rise compared with the same period in 2008.

Gross written premiums were up 6.8% in the period to $636.8 million, while net earned premiums rose 14.2% to $447.3 million, the Hamilton, Bermuda-based insurer and reinsurer said.

Aspen’s property reinsurance segment reported a 19.7% rise in gross written premiums to $220.5 million in the quarter, which it attributed to improving market conditions and favorable prior-year premium development.

Gross written premiums in Aspen's casualty reinsurance operations increased 2.6% to $186.8 million.

For its insurance business, Aspen's U.S. insurance segment reported a 13.7% increase in gross written premiums to $34.8 million in the quarter. But its international insurance segment saw gross written premiums slide 2.3% in the quarter to $194.7 million.

Aspen's combined ratio improved to 84.5% in the quarter vs. 85.4% in 2008, it said.

Mexico, Flu pandemic imminent

Thu, 30 Apr 2009 14:32:00 +0000

(image) Mexican President Felipe Calderon told his people to stay home from Friday for a five-day partial shutdown of the economy, after the World Health Organisation said a swine flu pandemic was imminent.

Mr. Calderon ordered government offices and private businesses not crucial to the economy to stop work to avoid further infections from the new virus, which has killed up to 176 people in Mexico and is now spreading around the world.

"There is no safer place than your own home to avoid being infected with the flu virus," Mr. Calderon said in his first televised address since the crisis erupted last week.

Twelve countries have reported cases of the H1N1 strain, with the Netherlands the latest to join the list. It said a three year-old child had contracted the virus.

Switzerland also confirmed its first case on Thursday, saying a man returning from Mexico had tested positive for the flu. Peru reported the first case in Latin America outside Mexico.

Texas officials on Wednesday reported the first swine flu death outside Mexico, a 22-month-old Mexican boy on a visit.

The WHO raised the official alert level to phase 5, the last step before a pandemic. "Influenza pandemics must be taken seriously precisely because of their capacity to spread rapidly to every country in the world," WHO Director General Margaret Chan told a news conference in Geneva on Wednesday.

"The biggest question is this: how severe will the pandemic be, especially now at the start," Ms. Chan said.

The world "is better prepared for an influenza pandemic than at any time in history", she said. WHO has stopped short of recommending travel restrictions, border closures or any limitation on the movement of people, goods or services.

$30 billion to AIG

Sat, 18 Apr 2009 18:21:00 +0000

(image) The U.S. Treasury Department has committed to accouterment American International Group Inc. with as abundant as $29.84 billion in added funds over the abutting bristles years, according to the insurer’s filing Monday with the Securities and Exchange Commission, which confirms an acceding accomplished in March.

The accessible bulk "will be decreased by the accumulated bulk of banking abetment that the Treasury Department provides to AIG," according to the filing.

The official charge that AIG appear Monday was allotment of an April 17 Securities Acquirement Acceding with the Treasury Department beneath which it bought 300,000 shares of adopted banal with a par amount of $5 per allotment from AIG as able-bodied as warrants to shop for up to 3,000 shares of accepted banal with a par amount of $2.50 per share, according to the filing.

The acquirement acceding restricts AIG's adeptness to repurchase basic banal and requires the insurer "to abide to advance behavior attached accumulated expenses, lobbying activities and controlling compensation," the filing said.

An AIG agent could not be accomplished for comment.