What is Whole Life Insurance?

Posted by admin on January 1, 2012

Every person should make sure that they have life insurance, regardless of their age. Nothing in life is guaranteed, except for death. Death is a subject that most people avoid like the plague, but it is important for people to be prepared for it. Having insurance is one of the most important things that can be done to prepare for it. It is important to note that there are many forms of insurance. One of the most popular forms is Whole Life Insurance.

Whole Life Insurance is a policy where a person pays a monthly premium for the rest of his life. Non-participating, participating, indeterminate premium, economic, single premium, interest sensitive and limited pay are the different types of whole life insurance. People should consult with an insurance company to select the policy that is right for them.

Additionally, one should also look around and get several life insurance quotes. The price of whole life insurance can vary greatly and those who shop around will not only save money, but they will also get the best value for their money. The Internet is a great resource for finding out information about what different companies charge and how much they offer. Read the rest of this entry »

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Travel Insurance Tips

Posted by admin on November 17, 2011

With all the madness and mayhem in the travel industry these days, the prudent traveler, doesn’t leave home without travel insurance. Whether your taking a cruise, or a going from one end of the country to another, or going to another country, it’s a wise investment to make. There are a lot of positive reasons to acquire this type of insurance. Any unforeseen circumstances could happen to you or your traveling companions. You could arrive to the airport or other other leaving point, and find your flight has been cancelled, yet you may have no way of making a connecting flight. Insurance would cover that. In the event an emergency pops up, and you have change your travels dates, either departing or returning, insurance would cover that as well. A piece of luggage can and sometimes does, become lost, damaged or stolen. That will be covered as well.

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It’s possible that your passport and wallet may get stolen, while you are in route to your destination. How do get some emergency money along the way? Insurance can help this and most other hazards that travelers in these times face, on a more often then not basis. It’s unfortunate but, it’s what people are dealing with now. You may have a medical emergency in a foreign land, you may need all sorts of assistance, a medical facility, a pharmacy for prescription drugs, or even someone who can speak English to assist your on site. It’s quite possible that an act of terrorism cancels or postpones your trip indefinitely. Your airline, or other travel entity may or may not reimburse you for this, with insurance it’s a given that the matter will be taken care of. You should always compare travel insurance. There are types that cover different issues, so make comparisons. Read the rest of this entry »

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Types of Insurance

Posted by Marcus on April 27, 2011

There are many types of insurance that people purchase with some being much common than others. Most people who drive have vehicle or car insurance. The purpose of auto insurance is to protect people from injuries and damage caused by auto accidents. It can also protect against liability to could arise from causing an accident. Most states require drivers to have some form of liability auto insurance. Read the rest of this entry »

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Categories: Articles

Life Insurance

Posted by Marcus on April 27, 2011

There are a couple of different types of life insurance that most people look at. Term life insurance is one of the popular options because it is affordable and easy to understand. Term life insurance is going to pay people when death happens and does not require any investing, savings, or cash value components that make other life insurance policies more difficult to understand. Read the rest of this entry »

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Categories: Articles

Car Insurance

Posted by Marcus on April 27, 2011

Car insurance is something that is mandatory in all states. You must have at least minimum coverage to drive a auto mobile on the roads of the United States. If you are financing a car or leasing a car, you must carry full coverage car insurance. Full coverage insures the full value of the car in case it is destroyed or stolen. Minimum coverage only covers damage that you may cause to other property or persons. Read the rest of this entry »

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Categories: Insurance

Travel Insurance

Posted by Marcus on April 27, 2011

Travel insurance is a way to protect yourself when you are on vacation within your country or when traveling overseas. Travel insurance helps cover medical expenses and other losses that happen while traveling. Travel insurance gives you many choices when comes to length of the policy and what is covered. You can have your insurance last the duration of the trip or buy a long-term policy that will cover you for any vacation taking during the coverage period. Read the rest of this entry »

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Categories: Articles

Health Insurance: A Necessary Evil

Posted by Marcus on April 27, 2011

For someone working in the field of medical insurance, the subject is ripe with conflict and emotion. As in all situations that affect people on a personal level, there are always several sides to every story and various points of view, and most of the time, they are all valid to some degree. Read the rest of this entry »

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Categories: Articles

Guardian Income Protection Insurance Is Your Ultimate Savior in the Times of Need

Posted by admin on March 26, 2011

In Australia only small number of working class people have availed Guardian income insurance. Many workers believe – “It can never happen with me” kind of mentality. For all those people who don’t have any kind of saving to back them up during the financial crises, there are few genuine reasons to avail this Guardian income insurance as a sort of smart investment move.

We are discussing few reasons for you to go for income protection insurance policy:

A)

Any benefits provided by the government will push you below their poverty line. Though anything worst may never happen to you when you live on government’s assistance, yet it’s a fact that you’re barely making your ends meet.

B)

Most of the accidents usually take place away from the workplace therefore you just can’t rely on the workers compensation. Even if you manage to get some compensation, that would not help you in meeting your day to day expenses.

C)

Real facts – In case you have no income, you won’t be able to enjoy any of the comforts that you currently enjoy in your life. You may not be able to pay your utility bills, purchase food or live in a house.

D)

It is a fact that as a worker there is a good chance of you becoming disabled while working at your job. In Australia, about 2 million people need to be hospitalized each year due to some serious accidents or diseases.

E)

In case you have a family, you know how painful it is to switch eating habits especially for children just to save money. Bigger changes can make your life miserable. Guardian income insurance can help you cover up this risk to a great extent.

F)

You may be saving money while on job thinking of all those holidays and luxuries you’d buy one day. In case you are saving about 15 % of your income each year, about a year of your disability can eat away your savings of a decade. Income insurance can protect you from this disaster.

G)

In case you own some business and something happens to you, then income insurance will also help the families of your employees from devastation aside from yours.

In case you have plans to declare a bankruptcy, then its consequences will continue to haunt you for 7 to 10 years.

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What Exactly is Full Coverage Insurance?

Posted by admin on March 23, 2011

The term full coverage insurance is one that refers to a policy that includes comprehensive and collision coverages in addition to liability.

In most states a liability insurance policy is the only requirement. This provides protection in case of an accident and will pay damages to another party, or cover you if the person you have an accident with does not have insurance. Certain minimum coverage is required by the laws that vary from state to state. If you carry minimum coverage though and you are sued, you may not have enough coverage to meet the settlement amount. Read the rest of this entry »

Categories: Articles

Importance of Good Auto Insurance

Posted by admin on March 22, 2011

It is very important that you have good car insurance for many reasons, and it is not just to replace the cost of your vehicle if you have an accident. There are many things that can happen when you are in an accident with your vehicle, and if don’t have good coverage you aren’t going to get the care that you need. Many people only get the minimum coverage that they need, and when they do this they aren’t going to get as much in medical if they are to need a lot of medical services, and this is can be a huge problem.  Read the rest of this entry »

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Categories: Articles