Liabilities insurance #liabilities #insurance


Adamjee Insurance Company Limited (AICL) is a general insurance giant, incorporated as a Public Limited Company on September 28, 1960. AICL, one of the leading insurance companies in Pakistan, has a regional presence in United Arab Emirates (UAE) and maintains its standing through an unwavering commitment to its corporate philosophy. AICL’s competitive competency is achieved by combinations of voluminous assets, notable paid-up capital, sizable reserves, a varied portfolio and consequently, remarkable growth rates.

Motor Insurance policy is mandatory under the Motor Vehicle Act. Owing Adamjee Insurance Company Limited Motor Insurance ensures that the owner of vehicle is protected from financial losses, caused by damage or theft to the vehicle and third party liability.

Fire & Property Insurance

Fire Insurance policy provides compensation to the insured person or firm in the event of damage to the property insured (i.e. buildings, stock, machinery and other contents) caused by fire, lightning.

Marine, Aviation & Transport Insurance

Marine Insurance covers damages to the shell and machinery of the vessel, cargo carried on the vessel, and also offers protection against liabilities to shipping and transport related companies.

Miscellaneous class of business offers various kinds of insurance products that include Public liability, Group Health, Personal Accident, liabilities associated with employers, insurance to financial institutions and Aviation industry and many more.


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Facts about Pet Insurance #caps #insurance


Facts about Pet Insurance

If you have a dog, cat, or other pet, you probably visit the veterinarian on a fairly regular basis. As those vet’s bills can really add up, a number of companies sell insurance for all types of animals, including dogs, cats, rabbits, ferrets, exotic birds, reptiles, potbelly pigs and various rodents.

Pet health insurance policies are similar to human health insurance policies in that they include annual premiums, deductibles, co-pays and caps. Cost of coverage is based typically on the animal’s age, health profile and the level of care you choose. Generally, older animals cost more to cover—and some companies have age limits. Also there may be exclusions for pre-existing conditions, and some insurers will deny coverage to certain breeds that are prone to hereditary conditions (e.g. hip dysplasia).

There are three types of pet health coverage available.

These plans are similar to human health insurance policies and are sold by companies licensed and regulated by the states where they do business.

Traditional health insurance is available in three levels of coverage:

This is the least expensive option; it provides the lowest reimbursements for procedures, and will help pay for accidental injuries, poisonings and illnesses (including cancer). These policies typically include an annual deductible, caps on reimbursements per accident or illness as well as on total reimbursements per policy term.

b. Comprehensive Coverage

This coverage is costlier than Basic, but offers more generous benefits—reimbursements for accidental injuries, emergencies and illnesses, and coverage for office visits, prescriptions, diagnostic tests, X-rays and lab fees. These policies feature lower annual deductibles and cap reimbursements per accident and illness, as well as on total reimbursements for the policy term.

c. Pet Well Care Protection

This type of plan reimburses for preventive care, including physical exams, flea and heartworm prevention and vaccinations. While there is no deductible for well care, there is a nominal deductible for other medical services.

There are two other types of insurance available from veterinarians and other businesses not regulated as insurers: HMO, which offers reduced rates prices on vaccinations, spay/neuters, dental cleaning, routine check-ups, and other services.

And Discount Plans. which offer savings on a range of products and services—from pet supplies to surgery and hospitalization—but only when purchased from a network of participating vendors.

Beyond health coverage, there are also other types of insurance protection for pets.

Life and Theft Insurance

Life and Theft coverage is designed to insure the lives of highly valuable, and is typically purchased by zoos, and the owners of championship cats, dogs, horses and police dogs. The policy reimburses owners of stolen animals, and pays a death benefit if an animal dies during transport or other covered events.

Homeowners and Renters Insurance

Check your homeowners or renters policy to see what coverage they provide for pet owners, including:

  • Liability Protection
  • If your dog bites someone, causing injury, and you are sued, homeowners and renters policies provide liability protection to defend you in court. However, most homeowners insurance policies will exclude any dog with a history of biting and aggressive behavior.

In addition, types of dogs that have been classified as dangerous breeds are restricted by many homeowner associations—and a growing number of communities require owners of these breeds to carry additional liability coverage.

Also covered under the personal property section of standard homeowners and renters policies are items that you purchase for your pets. So, if Fido’s favorite cashmere dog coat is stolen or damaged, you’re covered!


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Business Office Manager – Healthcare Salaries by education, experience, location and


Business Office Manager – Healthcare Salaries

Alternate Job Titles: Business Office Manager – Healthcare

Health Insurance for Travel to Canada

#insurance travel

Health Insurance for Travel to Canada

Protect your health and your wallet with travel insurance. (Photo: Travel documents image by Nikolay Okhitin from )

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Your U.S. health insurance policy will most likely not cover you if you are traveling in Canada. The chance that you might need medical assistance while you are on vacation or on business travel to Canada is a lot higher than you might think. As much as 50 percent of those traveling to other countries will need to seek health care that is not covered by their home health insurance policy.

Why Consider Travel Health Insurance

Whether you travel frequently or just one time to Canada, you will want to explore the concept of obtaining health insurance that will cover you and your family members while you are traveling. Not only will you be protected if any unexpected medical issues arise, you will also have a helping hand to assist you with choosing a good provider in the unfamiliar area that you are traveling to in Canada. According to the Centers for Disease Control and Prevention, car crashes are the number one reason people need to go to the hospital while they are visiting Canada. If you have traveler s medical insurance, you can focus on getting the medical attention that you need in this or other emergencies, instead of worrying about the bills that you are incurring.

Canada s Health System

Canada has a public health care system called Medicare. It offers free essential medical services for all Canadian citizens and permanent residents. If you are planning to become a legal resident of Canada, you will only need traveler s health insurance until you qualify for Medicare. In British Columbia, Ontario, Quebec, and New Brunswick you have to wait three months from the time you apply for Medicare for your coverage to begin. In the other provinces your coverage begins as soon as you apply.


If you are not eligible for Medicare, you will have to pay out of pocket for all medical expenses unless you have purchased traveler s health insurance. You will have several choices regarding traveler s health insurance plans, depending on your specific needs. You can purchase a short-term plan or a long-term plan, depending on the length of your trip. You can choose a plan with a high deductible or a low deductible, and you will be able to elect extra travel benefits as well with most plans.

Traveler s Insurance as Supplemental Insurance


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Best cars for teen drivers #teen #drivers, #best #cars #for #teens,


The best cars for teen drivers

*Fewer visits is better.

Choosing the right car for teens: Safety first, then price

What your teen is looking for in a car and what you want them driving are often two different things.

Boring is the way to go, according to Penny Gusner, consumer analyst with “Parents need to look for a boring, used car with lots of safety features. You want a car that the teen isn’t going to drive beyond their skills. Sedans are popular choices for novice drivers.”

After safety, most parents are looking for affordability. Our list includes a wide variety of price points, ranging from $9,600 up to the full $15,000 limit. The recommended vehicles range from a smaller car, like the Honda Civic, all the way up to the Hyundai Tuscan SUV.

McCartt likes the bigger cars for teen drivers. “When thinking about safety, parents may focus on features like the number of airbags, but a key part of crash protection is a vehicle’s size and weight. Bigger, heavier vehicles are more protective in crashes than smaller, lighter ones,” explains McCartt.

Sports cars are an obvious no-no. Teen drivers don’t need the horsepower. “When buying a used vehicle for a teen, there are a few things you shouldn’t compromise on,” says McCartt. “Avoid high-horsepower vehicles that can encourage risky driving.”

Now it’s time to look at one of the biggest cost factors, insuring your teen.

Teen drivers: Car insurance rates for four scenarios

While you certainly love your teen, there is a good chance your insurer will not. Car insurance for young drivers, whether you add them to your policy or they get their own, is always expensive. Teens bring stacks of risk to the table and insurance companies will charge you for that risk.

See our guides to average rates by state for every age:

According to the IIHS, a total of 2,823 teens died in car crashes in 2012. While this is a 68 percent drop from 1975 (thank airbags, ESC, and other safety features) it is still too many fatal accidents. Males are especially dangerous, accounting for two out of every three teen drivers killed.

These depressing stats are a major reason for your impending premium increase. “Parents will normally see their car insurance bill double when adding a teen,” says Gusner. “A premium increase of anywhere from 100 to 200 percent is common.”

Let’s look at the numbers and see just what a teen will do to your rates.

Meet the Smith family. Abby (the mom) is 40, has a spotless driving record and is the primary driver of a 2015 Toyota RAV 4 LE. Jack (the Dad) is a bit older at 45, also has a spotless driving record and cruises around town in a 2010 Honda Accord LX.

The best full coverage quote we could find for Jack and Abby was $1,788 a year, while the most expensive premium clocked in at $3,216. The difference is a whopping $1,428, which clearly illustrates the fact that insurers rate risk differently, and shopping your coverage on a regular basis is extremely important.

Keep in mind that while this list highlights the rate differences between cars, it does not necessarily reflect what your household will pay for car insurance. Your rates could be lower or higher. The biggest factors that affect your premium are your ZIP code and your teen’s driving record.

Watch what happens when we add Abby and Jack’s 18-year old son Steve to the policy.

Assign the teen to your policy: The best rate we could find was $3,756, more than double their previous rate. The worst rate we came across was a budget-busting $6,444, a shocking 350 percent increase from the lowest quote without Steve.

Buy the teen a late-model used car: If Jack and Abby feel that Steve needs his own car and put him in a late model-vehicle, such as a financed 2012 Toyota Corolla, the lowest yearly premium jumps to $4,800, while the highest rate was almost $8,000 a year.

Buy the teen a beater car: Now let s stick Steve in a beater. Adding a 2008 Ford Taurus (liability coverage only) to the family policy drops the rate a bit, but not as much as you would hope. The cheapest quote was $4,400.

Giving the teen his own beater car and policy: Kicking Steve off the family policy, keeping him in that 2008 Ford Taurus with only liability insurance drops his premium to $2,544. But when the original $1,788 (Jack and Abby’s insurance) is added in, the annual cost to insure the family is back up to $4,332, so not a big money saver.

All of these numbers make one thing very clear, teens are expensive to insure, and frequently shopping your coverage can save you a ton of money.

Safety and car insurance tips for teen drivers

You can’t escape the price hike that adding a teen to your policy brings, but it is possible to minimize the damage. Here are a few tips from industry experts:

Be a role model. “A well-trained driver is the most important safety feature in any car,” says Doug Herbert, founder of Put On The B.R.A.K.E.S. “Practice frequently with your teen driver and be a good role model behind the wheel.”

Teen-driver course discounts. “Ask your insurer if there are discounts for a driver’s education course or if they have a teen program,” says Gusner. “Farmers’ program is called YES and State Farm has Steer Clear,” continues Gusner.

Buy umbrella coverage. “Consider an umbrella liability policy,” says Loretta Worters, with the Insurance Information Institute (III). “In our litigious society, you may want to have an extra layer of liability protection. For about $150 to $300 per year, you can buy a $1 million personal umbrella liability policy,” explains Worters.

Good student discount . Tell Junior to keep his grades up. “Your child can garner a discount if they maintain at least a B average. The discount usually runs from 5 to 15 percent,” says Gusner.

Raise deductibles . Jacking up your deductible can also be a money saver. “Going from a $250 to $500 or $1,000 deductible can shave 10 to 20 percent off of your premium,” says Worters.

Policy adjustments for college. Finally, when your teen goes to college, your rates may finally start dropping. “When your teen heads off to college, you may be eligible for lower premiums, provided the car stays behind. Many insurers will reduce rates for students attending a school at least 100 miles away from home who do not have a car on campus,” says Worters.

Insurance rates are for an 18-year-old male in ZIP code 80104 (Castle Rock, Colorado) commuting 20 miles each way to school, with no accidents or violations. Coverage includes $100,000 bodily injury liability (up to $300,000 per accident) and $50,000 in property damage liability, $10,000 in personal injury protection and comprehensive and collision coverage with $500 deductibles.


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Gap insurance explained #what #is #gap #insurance #for #cars


Gap insurance explained

Gap insurance explained

Already understand Gap insurance and are ready to make a purchase? See buying Gap insurance. Want to know how to make a Gap insurance claim? See claiming on your Gap insurance .

What is Gap insurance?

Having your car stolen or written-off can be worrying enough without having to grapple with your insurer over your claim.

Worse still, with insurers usually paying out the current market value of your vehicle – not the price you paid for it – you can find yourself out of pocket, especially if your car was brand new.

Guaranteed Asset Protection, more commonly called Gap insurance, is designed to work alongside comprehensive car insurance to help you cover the shortfall.

There are many different types of Gap insurance, ranging from products that help you get back what you paid for your car, to those that help you pay off any outstanding loans on the vehicle.

What are the different types of Gap insurance?

The Gap insurance market can be complex, with different providers offering their own unique products. Some of the most common policies are listed below.

Finance Gap insurance

One of the most basic products on the market, finance Gap insurance helps you pay off any outstanding loans on your car if it’s written-off.

Return to invoice Gap insurance

Return to invoice Gap insurance tops up the claims payout from your car insurer to the amount you bought the vehicle for. Many providers offer finance Gap insurance as part of this product, to also cover the cost of borrowing.

Vehicle replacement Gap insurance

Rather than helping you reach the amount you paid for the car, vehicle replacement Gap insurance bridges the distance between your car insurance payout and the cost of replacing your vehicle with a new one. Many providers offer finance Gap insurance as part of this product, to also cover the cost of borrowing.

Return to value Gap insurance

Return to value Gap is similar to return to invoice Gap insurance, but instead of helping you get exactly what you paid for the car, it pays the difference between your car insurance settlement and the value of the vehicle when it was first purchased. This could prove useful if you bought the car second hand, or you have had the vehicle for a long time.

Lease Gap insurance

If you leased your car rather than buying it outright, lease Gap insurance helps you pay the rest of your contract and any fees that may apply for cancelling your lending agreement early.


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Home – New Orleans Metropolitan Association of REALTORS®, new orleans home


New Orleans Metropolitan Association of REALTORS®

New orleans home insurance

New orleans home insurance

New orleans home insurance

New orleans home insurance

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Hurricane Preparedness

In light of Hurricane Harvey, it is imperative that ALL members, their loved ones, and clients prepare in case of emergency. We have compiled a list of resources and helpful graphics at and linked to other sources of information. Click here to see all of the information you need to beprepared, not scared.

New orleans home insurance

School Supplies and Check Donation to Boys Girls Clubs of Southeast Louisiana

New orleans home insurance

Our 2017 NOMAR President Josie DeGrusha presented school supplies and a monetary donation to the Boys Girls Clubs of Southeast Louisiana, all of which were collected at our Young Professionals Networks’ mixer at Fulton Alley. Thank you to everyone who donated to this awesome organization! We are very excited to be able to give back to an organization that does so much good for the youngest members of our community. Click here for pictures from the event.

Urgent Flood Insurance Update

NAR has issued Call for Action asking Congress to support HR 2874 to reauthorize NFIP. NOMAR and the Louisiana Congressional delegation oppose this bill, as it has provisions that would be harmful to the Louisiana housing market. We are asking you to disregard or delete the email and/or text alert when you receive it. Stand with NOMAR and our Louisiana Congressmen and DO NOT take the Call for Action. Click here for more information.

Discounted Forecast Tickets Available Now!

New orleans home insurance

Buy your Economic Real Estate Forecast tickets early for a special discounted rate of only $35! Hurry, this deal only lasts until September 19! From September 19 – October 7 ticket prices go up to $45. At the door, tickets cost $60. Click here to get your tickets now!

Join us for our Seventh Annual Economic Real Estate Forecast Symposium on Tuesday, October 10 from 12:30 – 5 p.m. at Loyola University New Orleans. The forecast will be immediately followed by a social in the courtyard with complimentary cocktails and speaker interaction.

Discounted ticket sponsorships are also available. Click here to fill out the form.


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Water Damage #water #damage #insurance #claim


Water Damage

Water damage can be deceptive. Water penetrates into structural cavities creating trapped pockets of saturation. The detection of water in these areas can often only be discovered with sophisticated moisture detection meters. Undetected moisture will continue to cause damage. This damage, at a minimum, will cause odors. Greater damage will surface when materials delaminate, shrink, split and further deteriorate to where costly repairs are required.

More than just removing excess water, IICRC-certified restorers have the knowledge and equipment to further dry a home or facility (including substructure materials) completely back to pre-loss conditions. Through timely response and the careful monitoring of water damage, mold and other health issues can be prevented. If water damage has been present too long, mold will occur.

All IICRC-certified professionals have the training and experience to identify moisture sources, evaluate mold growth (visible or suspected), contain damage, remove contamination and dry materials to ensure that mold will not return.

Before entering a building where flood damage may have occurred, make sure it’s safe: check for electrical hazards and structural damage, and use proper protective gear like boots, gloves and respirators. Before you start any construction or repairs, check for common hazardous materials like lead paint and asbestos, which may require help from professional and State-licensed contractors.

Then, follow these tips:

  • Act quickly
    The severity of damage escalates the longer water sits and building components and contents stay wet, so time is of the essence in the aftermath of a flood. In fact, mold will grow within 48-72 hours, so aim to start removing water and drying the environment within 48 hours. Have a list of professionals on hand to call, and understand your insurance policy, as some only cover mold damage up to a certain amount, while others don’t provide any reimbursement for mold.
  • Ventilate affected areas to prevent mold growth
    Mold loves moisture and organic materials such as paper or particleboard. In order to mitigate or slow damage, open windows if weather permits and place fans inside of them to keep air moving and maintain moderate temperatures. Work toward the fan as you clean to minimize cross contamination.
  • Assess damage to items and materials
    Assess the type of water absorbed by items, such as rainwater, water from broken pipes, contaminated river water or bacteria-filled sewage. There are ways to salvage specialty items but the decision on whether to save or trash an item will vary depending on the dollar and sentimental value to the owner. It may not be worthwhile to salvage drywall, carpets and pads, mattresses, pillows, box springs and particleboard. On the other hand, it might be worthwhile to restore costly Persian rugs, leather couches and antiques or heirlooms. Wet clothing and many household fabrics may be salvageable through machine washing, and a 10-minute soak in detergent and hot water, to remove contamination and stains. The IICRC strongly recommends that in water damages where there are contaminants present (e.g. bacteria, sewage, mold) or where small children or immune-compromised individuals are present that an inspection be conducted by an appropriately trained restorer and remediator.
  • Expose pockets of saturation
    Hidden and concealed pockets of saturation need to be opened for cleaning and drying. Layers between building materials hold water that must be discovered and removed or dried. On walls, find the water line and inspect at least a foot beyond it to make sure all damage, wet materials and mold are discovered. Remove and discard the damaged drywall and wet wall insulation. Wet carpets can usually be dried by professionals with the right equipment, but carpet padding, which is like a big sponge, should be discarded. Wood base trim and hardwood can also be saved with the right equipment if they can be accessed and completely dried on both sides. Remember to investigate concealed cavities such as behind walls, in mechanical spaces, under cabinets and furniture, and in crawl spaces.
  • Conduct a thorough cleaning
    Durable, non-porous or semi-porous materials, such as studs and joists, hardwood flooring and vinyl products, can be cleaned with common cleaning products or specialized products with detergents. During cleaning, take care to protect areas that are unaffected by the water or mold. After a thorough cleaning of salvageable materials, a disinfectant solution may need to be applied in case of harmful bacteria from sewage, river water debris or even standing water that has gone bad. Professionals like water restoration and mold remediation contractors and indoor environmental professionals can help you decide what is best for your situation. Once you’ve cleaned the wet materials, conduct another round of cleaning. If you choose to vacuum, use a HEPA-filter vacuum to remove allergens, fine dust and spores.
  • Confirm drying before reconstruction
    In order to prevent dry rot and structural damage, it’s important not to reconstruct or cover wood and other wet materials until the moisture content has been adequately reduced. A water restoration professional can confirm proper drying before reconstruction.

Sewage is one of the most dangerous substances to enter homes or buildings. It contains fungi, bacteria and viruses, many of which are disease-causing. Unfortunately, many people fail to understand the hazards that sewage presents, particularly for the very young or very old, or for those with compromised immune systems or respiratory problems.

The IICRC complied guidelines for professional sewage clean-up called the Standard for Water Damage Restoration (S500).

Here are the key principles homeowners should know about sewage back-ups:

  • Sewage contains a variety of pathogenic – disease causing – fungi, bacteria, viruses and parasites. Anyone who works on sewage losses must have updated vaccinations, including one for Hepatitis B.
  • Sewage exposure is particularly dangerous for people with weakened immune systems, including anyone under two or over 60, those who are pregnant, ill, recovering from surgery, on prescription drugs or chemotherapy, or are AIDS victims.
  • It is not safe to stay in a building that’s flooded with sewage unless the contaminated area can be completely sealed off and placed under controlled air flow so that there will be no cross contamination of unaffected areas.
  • Highly absorbent sewage-saturated materials, such as carpet, pad, upholstery, bedding, wicker, paper or even fabrics that can’t be washed in hot water (130°F/54°C) for at least 10 minutes, must be contained and disposed of properly. This goes for sewage-saturated drywall, insulation and several other structural materials too. There’s simply too great a health risk involved if any of these materials are dried in place and cleaned only.
  • Only the most highly trained professionals should attempt sewage remediation work. Then, a “third party” indoor environmental professional can provide post-remediation verification or “clearance testing” to ensure that the home or building is safe to re-occupy.
Why use a certified technician?

Professional restoration technicians understand the need for quick response. Immediate remediation is key to controlling any escalating costs. The longer the remediation is delayed, the higher the cost of restoration. Certified restorers have the knowledge to test materials and apply the restoration techniques required to return the items to their pre-loss condition. Look for the IICRC logo to verify IICRC certification.

Read about the benefits that the IICRC provides to consumers.


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Compare Whole vs #instant #whole #life #insurance #quotes


Whole Life vs. Term Life Insurance

Life insurance can be very confusing. What is term life insurance? What is whole life insurance? How can you get the information you need and make the right decision about life insurance for you and your family or other beneficiaries? We’ll provide an overview of these two popular types of life insurance so you can get an idea of what might be a good fit for you.

Differences Between Whole Life and Term Life

Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.

Here are some of the main features of term and whole life insurance.

Features of term life insurance
  • Provides death benefits only
  • Pays benefits only if you die while the term of the policy is in effect
  • Easiest and most affordable life insurance to buy
  • Purchased for a specific time period, such as 5, 10, 15, or 30 years, known as a “term”
  • Becomes more expensive as you age, especially after age 50
  • The term must be renewed if you want coverage to be extended beyond the term length
  • Can be used as temporary additional coverage with a permanent life insurance policy
  • Can be converted to whole life insurance

Features of whole life insurance:
  • Covers you for life
  • Provides death benefits as well as a cash value accumulation that builds during the life of the policy
  • You typically must qualify with a health examination
  • Can be purchased without a medical exam, but at a higher cost
  • Takes 12 to 15 years to build up a decent cash value
  • Can be a good choice for estate planning
  • Cash value is based on how much the return on investment is worth
  • A portion of the cash value can be withdrawn or borrowed during the life of the policy
  • Initially has more expensive premiums than term life insurance, but can potentially save you money over the life of the policy if in force for a considerable number of years

Whole Life or Term Life Insurance Variables and Considerations

When choosing between whole life or term life insurance, there are a number of variables to take into account. A knowledgeable life insurance agent can help you evaluate each of the following aspects of your circumstances and determine whether term life or whole life is a better option for you. The factors to consider include:

  • Your current age
  • Current state of your health
  • Financial needs of your family
  • Plans for funeral and death expenses
  • The age of your children
  • Long term health expenses in the event of a serious illness
  • Your mortgage and current debts
  • When you plan to retire and the retirement plan you have in place
  • Future needs of your family, such as your children’s college tuition
  • Your need for an additional retirement savings plan
  • Your plans and concerns regarding setting up an estate and ramifications for estate taxes
  • Your intention to set up a trust as part of your will
  • Whether you want to donate life insurance proceeds to a charity
  • Your feelings on potentially paying into a term policy and never receiving any of that value back

Hypothetically, if you are 35 years old, have young children, and are the primary income earner in your household, you might want to consider buying a term life policy that would fully cover your family’s financial obligations.

Adding up your living expenses, your home mortgage, pay-off of all debts, and your children’s education can help you understand the face value of a policy your family will need if you die prematurely. The length of the term would likely depend on the age of your children and when you foresee them completing college.

Alternatively, you could purchase a whole life policy that will not only pay that policy face value if you should die before your children are through college, but would accrue a cash value that would provide additional benefits to your family or a growing fund of emergency money. You could also consider converting portions of your term life policy over to whole life insurance over time to build a cash portfolio for your retirement as you age.

If you are just starting to consider life insurance at the age of 60, your children are most likely grown up and on their own, and your needs are very different. You might want a small term life insurance policy that could cover your final expenses, or you might be looking for a term life or whole life policy that could provide for your spouse’s needs if he or she lives on after your passing.

There are many creative and flexible options with life insurance that can meet your unique needs. Only a qualified life insurance professional can help you compare term life vs. whole life and determine which would be the best strategy for you.

How to Compare Term Life and Whole Life Side by Side

Now that you have a better picture of the difference between term and whole life policies, you probably want to compare term life versus whole life insurance costs. To do so, you will need to directly compare the short and long term costs of a whole life policy and a term policy, based on factors like your age, the face value of the policy you want to buy, and whether or not you are a smoker.

You may find that your out-of-pocket costs for whole life insurance seem daunting compared to term life insurance. This is because the dollars you pay into term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life insurance premiums builds cash value that you can use later in life or that will add to the death benefit payout. The percentage of your costs that go into your cash accrual account increases with passing years, as many of the administrative costs associated with setting up the policy and associated investments occurs early in the life of the policy.

Should You Convert Your Term Life to Whole Life Insurance?

Most term life insurance policies allow you to convert your term policy into a permanent life insurance policy such as whole life insurance. Is this the right thing to do? Some of the reasons it may be a good idea to convert your term policy to a whole policy include:

  • Your term life policy is about to expire and you are in your 50s or 60s.
  • You want to extend your life insurance coverage, but term insurance may no longer be available or has become very expensive due to your current age.
  • You are setting up an estate, or you are concerned about estate taxes.
  • You are setting up a trust in your will.
  • You need a non-taxable investment option.

Converting term life to whole life insurance can be an excellent way to continue your life insurance policy and also build cash value that you can borrow from. There are many different ways to structure this type of policy, depending on your needs and goals, so be sure to work with a life insurance professional who can answer all of your questions and help you make the best choices.

Should You Buy Both Whole Life and Term Life?

You can own both whole life and term life policies at the same time. People who are looking at this option typically already have a whole life policy. However, they may find that they want additional short-term insurance coverage such as for 10 years. In this instance, buying a term policy for the amount of life insurance you need for that extra protection can be a good solution.

Or, you may already own a term policy and find that you want to invest some additional money into a long-term investment for retirement purposes or because of estate issues. In this instance, buying a whole life policy which has a cash value accumulation feature may be the way to go.

Now that you know the differences between term life insurance and whole life insurance, you can make an informed choice to find the best life insurance solution for you and your family.

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No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


Life Insurance With No Medical Exam

Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

Who else might benefit from a no exam life insurance plan?

  • Those who need immediate coverage
  • Individuals suffering from health conditions, such as cancer
  • Senior citizens

Pre-existing Conditions

Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

Enhanced Privacy With No Medical Exam Life Insurance

Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

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All other trademarks and copyrights are the property of their respective holders. is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


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Wyoming Car Insurance – Quotes, Coverage – Requirements, wyoming financial insurance.#Wyoming


Car Insurance in Wyoming

In order to register your vehicle in Wyoming, you must be able to prove financial responsibility for damages in the event of an accident.

The easiest and common way to fulfill this legal requirement is to purchase the minimum amounts of liability car insurance.

Car Insurance Requirements in Wyoming

Liability car insurance helps you cover the costs of bodily injury or property damage to the other parties in an accident you caused.

Wyoming requires the following minimum amounts of liability coverage:

  • $25,000 for bodily injury or death, per accident.
  • $50,000 for total bodily injury or death for multiple people in an accident.
  • $20,000 for property damage.

Uninsured Motorist Coverage

All Wyoming liability car insurance policies are required to include uninsured motorist coverage to protect you from the costs incurred in:

  • An accident with a driver who doesn’t have auto insurance.
  • A hit-and-run accident.

Uninsured motorist coverage for bodily injury has the same minimums as those in your liability coverage (see above).

Property damage is not covered by this insurance.

NOTE: You can opt out of uninsured motorist coverage; however, to do so, you must reject the coverage in writing.

Optional Coverage

When you get into an accident, you won’t want to be left wondering whether your car insurance coverage will adequately cover your costs. Electing to purchase additional types of coverage can save you thousands of dollars in the unfortunate event of an accident.

Optional coverage types include:

  • Collision – Pays for the damages to your vehicle after an accident, regardless of who is at fault.
  • Comprehensive – Pays for non-accident-related damages to your car, such as fire, animal collisions, and theft.
  • Medical expense – This will help you pay for your medical or funeral costs if you or your passengers were injured or killed in an accident. Coverage applies even if you were at fault.
  • Rental reimbursement.
  • Towing.

Car Insurance Violations

It is illegal to drive without the minimum car insurance in Wyoming. Law enforcement officers have the right to request your proof of insurance at any time.

If you can’t provide proof of financial responsibility at the time of the request, you’ll be given 7 days to provide it.

Failure to provide proof of insurance in the given timeframe may result in:

  • A fine of up to $750.
  • Up to 6 months of jail time.

If your driver’s license was suspended for involvement in an accident while uninsured, you’ll be required to obtain an SR-22, in addition to your other reinstatement requirements.

Often called “SR-22 insurance,” this is not actually car insurance, but a guarantee that you’ll maintain the minimum insurance for 3 years. If you neglect to maintain your SR-22, you’ll get another license suspension.

Policy Cancellations

Your insurance company has the right to cancel your Wyoming car insurance policy during an initial time period. For more specifics on the length of that period, refer to the state’s auto insurance publication.

Once your policy has been in effect beyond the initial period, it can only be canceled for the following reasons:

  • Nonpayment of premium.
  • An insured person on the policy has had their license or registration suspended.
  • The insured lied on the application (committed fraud).
  • Any other reasons deemed appropriate by the insurance commissioner upon a hearing.

Your insurance company must notify you before the effective date of cancellation.

If your policy is canceled for nonpayment of premium, the insurance company is only required to give you notice prior to the effective cancellation date.

If your insurance company refuses to renew your policy, you must be given written notice prior to your expiration date, unless the non-renewal is for:

  • Nonpayment of premium for the expiring policy.
  • Nonpayment of premium for renewal.

Wyoming Automobile Insurance Plan

Insurance companies are hesitant to take on the risk of drivers who have poor driving records or a history of multiple claims.

If you have been unable to find insurance on the standard market because of your status as a “high-risk driver”, Wyoming Automobile Insurance Plan.

To apply, speak to any insurance agent licensed in Wyoming.

Questions and Concerns

Car insurance can get confusing. If you need assistance understanding the terms of your insurance policy, you can call the Wyoming Department of Insurance at (307) 777-7401 or (800) 438-5768.

Filing a Complaint

If you have an issue that you have been unable to resolve with your insurance provider, the Department will assist you. To request help with your complaint, you can take any of the following steps:

Insurance Fraud

Insurance fraud costs insurance companies a significant amount of money, and those companies pass the costs down to their consumers.

If you suspect fraud, it’s important to report it. You can do so by visiting the NAIC website and submitting a complaint online.

Determining Your WY Car Insurance Rates

When shopping around for car insurance quotes in Wyoming, remember that insurance companies factor in the following when setting your rates:

  • Your driving record.
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • Your age and gender.
  • The primary location your car is kept.
  • The main uses for your car.
  • How much coverage you get.
  • Your deductibles.
    • Higher deductibles equal lower premiums.

Car Insurance Discounts

In order to most effectively comparison-shop for auto insurance, it’s smart to ask about possible car insurance discounts in Wyoming. Common discounts include:

Remember, your driving history is the biggest determiner of your premiums. Drive safely and maintain a good driving record to get the cheapest possible Wyoming car insurance rates.

Most Stolen Cars in Wyoming

Owning a car that is highly targeted for theft could increase your cars insurance rates.

The following is a list of Wyoming’s most stolen cars in 2013, according to

  1. Ford Pickup (Full Size).
  2. Chevrolet Pickup (Full Size).
  3. Dodge Pickup (Full Size).
  4. GMC Pickup (Full Size).
  5. Chevrolet Pickup (Small Size).
  6. Chevrolet Tahoe.
  7. Honda Accord.
  8. Chevrolet Impala.
  9. Chevrolet Trailblazer.
  10. Dodge Durango. Insurance Finder

Join 1,972,984 Americans who searched for car insurance rates:

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Find And Compare Student Travel Insurance #flights #and #hotels

#student travel insurance

Student travel insurance

If you are a student planning a long summer trip abroad, or even a gap year between studies, then insurance is probably the last thing on your mind. But travel cover is essential whether you are heading to Europe for a few weeks or venturing further afield for several months.

Of course, you might think you can set off without student travel insurance, especially if you are young and fit with few valuables in your back pack. But could you really afford to replace your iPod, camera and holiday cash if they were stolen? And remember that medical treatment abroad can run into hundreds of thousands of pounds.

Do I need an EHIC?

Anyone travelling within Europe should apply for a European Health Insurance Card, which entitles the holder to the same emergency care as a local resident. But the EHIC is not a substitute for student holiday insurance, as local care is not always free and not always of a high standard. The EHIC also does not cover repatriation to the UK in a medical emergency.

You can apply for the card online at or by calling 0845 606 2030.

Check the levels of cover

It’s not always easy to work out how much cover you need. But MoneySupermarket recommends that your student travel insurance should include medical cover of at least 2m, in case you fall ill while you are away. You should also make sure your insurance includes the cost of an air ambulance in case you need to be flown home.

Personal liability insurance of 1m is essential. Plus cancellation and curtailment cover of at least the value of the trip. Insurance for your baggage and personal belongings will pay out if, for example, your backpack is lost, stolen or damaged. But check the single item and valuables limit as most firms cap the amount that you can claim for one item. There will also be a limit on the amount you can claim for lost or stolen cash.

Catastrophe cover protects travellers against the financial repercussions of a disaster such as the recent volcanic ash clouds. It’s also sensible to find a policy that includes end supplier failure in case the airline or travel company goes bust.

Travel insurers offer European or worldwide cover. European cover is typically cheaper, but you should always check whether your destination is classed as European as definitions can vary.

Single trip or annual cover?

Students can usually buy single trip or annual travel insurance. As its name suggests, a single trip policy covers just one trip, usually up to a maximum of 31 days. If you buy an annual policy, you can go away several times in any one year without having to arrange insurance each time. It’s worth comparing prices for both types of policy, but as a general rule, if you plan two or more trips a year, or you are heading long haul, then an annual policy usually works out cheaper.

Gap year travel insurance

If you are planning a gap year, you will need a policy that lasts as long as your trip. A variety of insurers offer cover for backpackers and it can run for a year or more. You should also check that your policy covers every destination on your journey, even if you are only passing through.

Extreme sports

Many students undertake extreme sports or adventurous activities while they are away. Of course, they are great fun, but they can also be risky, so it’s essential that your policy will pay out if you have an accident while you are white water rafting or wrestling with alligators. You will find a list of insured activities in the policy documents, but if in doubt, ask your insurer.

Working abroad

Some travellers work while they are abroad, perhaps to help fund the trip. Gap year travel insurance typically covers employment overseas, but manual work is often excluded. Again check with your insurer if you have any questions. Many insurers will also allow one or two return trips home under your policy, which can be useful if you get homesick, or perhaps need to break off from your travels for a family wedding or other occasion.

Take care of yourself

It’s important to remember that a student travel insurance policy is not a licence to go mad: you still have to take care of yourself and your possessions. Few insurers will, for example, pay out if your bag is stolen from the beach while you are supping in a nearby bar. And talking of bars, insurers can refuse to pay a claim if you were under the influence of drink or illegal drugs at the time of the incident.

Save money on student travel insurance

Probably the easiest way to cut the cost of your student travel insurance is to compare prices. MoneySupermarket’s free independent comparison service can help you to find the best policy at the best price – all within minutes.

Student travel insurance can cost less than 10 for a single trip in Europe. But remember that the cheapest policy is not necessarily the best as the cover could be patchy, or the claim limits could be low. It’s also worth finding out about the excess, which is the amount you have to pay towards each claim. You often pay a lower premium if you agree to a higher excess. But if you can’t afford the excess, why bother with the insurance?

Essential documents

Insurance is not the only essential travel document. You should also make sure you have a passport that is valid for at least six months beyond your return date, plus any necessary visas. You can get advice from the Identity Passport Service website. or call 0300 222 0000.

Always keep your passport safe and make a note of the number, date and place of issue in case it is lost or stolen. It’s also a good idea to take with you a back-up form of identification, such as a driving licence.

Tips for a successful trip

Visit your GP as soon as possible so that you can organise any jabs or stock up on malaria tablets. If you are taking any prescribed medicine with you, make sure it is legal in the countries you plan to visit. And always keep it safe and in its original packaging.

Set up a secure email account so that you can regularly keep in touch with friends and family.

Book your accommodation for at least the first night to give you time to familiarise yourself with your new surroundings.

Stay away from drugs as the penalties for the possession or supply of drugs can be harsh in some countries.

Wear a high factor sun screen and avoid over exposure to the sun, especially during the middle of the day. And drink plenty of water.

Stomach upsets can ruin a holiday, so take sensible precautions. Find out if the local tap water is safe to drink and check that all food is properly cooked.

It’s a good idea to take condoms with you because they are not always readily available abroad and might not meet British quality standards.

What to pack

  • Keep clothes and valuables to a minimum but try to find space for the following items in your luggage:
  • First aid kit
  • Mosquito net
  • Insect repellent
  • Water bottle
  • Water purification tablets
  • Universal adaptor
  • Travel plug
  • Wet wipes and hand gel for hygiene
  • Travel sewing kit
  • Small padlock
  • List of useful contact numbers

To compare travel insurance for students click on the link below or hit the button at the top of the page. Compare student travel insurance


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Find Virgin Money Travel Insurance Single Trip UK voucher codes, discounts

#virgin money travel insurance

Virgin Money Travel Insurance Single Trip Vouchers

Virgin Money Travel Insurance Single Trip is a travel insurance company who deals with single trip insurance. They cover travellers who are going for one trip between 3 and 365 days, to get this insurance you have to be between 18 and 65. This insurance as standard includes; free kids cover(up to 3 under 18s per adult), 40 adventure sports, including scuba diving, mountain biking and bungee jumping, you are covered if your holiday is cancelled, delayed or cut short and we pay for hospital bills, medical treatment and your journey home if you need to travel back to the UK due to illness or injury.

Here at we aim to bring you all the best insurance deals and discounts, helping to find the cheapest insurance deals for your travel insurance. As well as Virgin Money Travel Insurance Single Trip, we are in close contact with all our insurance providers, meaning that it ‘s never been easier to find the best travel insurance for you.

Make sure you check out before you decide to buy insurance, as there are lots of money savings discounts, voucher codes and special offers to cut the price of your premium.


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Charitable Gifts of Life Insurance, Planned Giving Design Center, million dollar


Charitable Gifts of Life Insurance


A few years ago, insurance advisers Michael Brink and Bryan Clontz wrote an article for the Planned Giving Design Center that discusses ten creative charitable uses of life insurance and their tax implications in planned giving. It has now been updated for current law, so we thought you might enjoy taking another look.

Revised: February 26, 2008

It seems like all the recent news about charitable uses of life insurance has only been one thing? BAD! From the 1980s version of vanishing premium universal life, which caused a substantial amount of planned giving expectancies to vanish, to the more recent charitable reverse split dollar fiasco that Congress chose to eliminate, life insurance has become the black sheep of planned giving vehicles. While the life insurance product itself is not inherently inappropriate, the flexibility of the product has allowed many to stretch the product to the edge. The many traditional uses for life insurance that can benefit both the charity and the donor are often lost in all the bad press.

Life insurance is an excellent tool for making charitable gifts for a number of reasons. Life insurance provides an “amplified” gift that enables you to purchase immortality on an installment plan. Through a relatively small annual cost (the premium), a benefit far in excess of what would otherwise be possible can be provided for charity. This sizeable gift can be made without impairing or diluting the control of a family business or other investments. Assets earmarked for family members can be kept intact.

For example, a 50-year old committed to giving $5,000 annually for 10 years could leverage the $50,000 gift into a $360,000 gift. A second-to-die, or survivor life policy, adds even more leverage. A 50-year old couple could make a gift of $800,000 with the same $5,000 annual commitment. (Assumes 50-year old(s), preferred non-smoker(s) using variable life policy earning 10% gross return.)

Keep in mind that using a traditional permanent life insurance contract will generally yield a 6% to 7% internal rate of return to life expectancy on premiums paid.

Life insurance can be a self-completing gift. For a donor committed to making annual gifts, a portion of the annual gift can be directed to an insurance policy guaranteeing the continuation of that gift in perpetuity. If the donor becomes disabled, the policy can remain in force through the “waiver of premium” feature (if elected). This guarantees the ultimate death benefit to the charity and, in some cases, the same cash values and dividend build-up that would have been earned had disability not occurred. Even if the donor dies after only a few premium payments, the charity is assured a full gift. The death proceeds can be received by the designated charity, free of federal income and estate taxes, probate, and administrative costs, and without any delay, fees, or transfer costs.

Large gifts to charity are less subject to attack by heirs because of the contractual nature of the life insurance policy. The death benefit is guaranteed as long as premiums are paid. This means that the charity will receive an amount that is fixed (or perhaps increasing) in value, and not subject to the potential downside of volatile market risks as in securities.

There are a number of methods for including life insurance in a charitable gift plan.

  1. Make an absolute assignment (gift) of a life insurance policy currently owned, donate a new life insurance policy, or have the charity purchase life insurance on the donor’s life and pay the annual premiums (assuming insurable interest and state law permits). Each of these allows a current income tax deduction.

  • Use of dividends from existing policy. Assign all annual dividends to charity. This eliminates out-of-pocket contributions, yet still creates a deduction as dividends are paid. Amplify the gift by having these dividends purchase a new policy of which the charity is the irrevocable owner and beneficiary.

  • Name a charity as the primary or contingent beneficiary of an existing or new life insurance policy. Although this will not yield a current income tax deduction, it will result in a federal estate tax deduction for the full amount of the proceeds payable to the charity, regardless of policy size. This can be particularly applicable in situations where there is only one logical beneficiary, or where insurance is used to fund a supplemental retirement benefit and the death benefit is of little importance to the insured.

  • Group term life insurance can also be used to meet charitable giving objectives. By naming a charity as the beneficiary of the group term insurance for coverage over $50,000, a donor can not only make a significant gift to the charity, but also avoid any income tax on the economic benefit for the amount over $50,000 (Table I or P.S. 58 rates are IRS published schedules that specify the employee’s “economic benefit” per $1,000 of coverage for employer-provided group term life insurance). While the initial $50,000 could also be given, no income tax deduction would be generated.

  • Most estate planning techniques become even more effective when coupled with other techniques. By giving appreciated long-term capital gain property to the charity (e.g., stocks, real estate, mutual funds, etc.), the donor avoids capital gains tax and receives a deduction for full-market value (with notable exceptions). Using this cash to then fund a life insurance policy provides even more leverage, creating an even larger gift.

  • Perhaps one of the most popular ways to utilize life insurance in charitable planning more indirectly is through “wealth replacement.” In this situation, life insurance makes it possible for a donor to make an immediate or deferred gift of land, stock, or other property while still providing an acceptable family inheritance.

  • While life insurance is most commonly thought of only as a wealth replacement vehicle for CRTs, it can also be used as a funding asset inside the CRT in certain situations where it serves the following purposes.
    • The life insurance death benefit can substantially increase the remainder value of the trust, thus providing a larger gift to the donor’s selected charities when the trust terminates.

  • In a two-life unitrust scenario, life insurance proceeds can “balloon” trust corpus when the first income beneficiary dies, creating a much larger income payout for the surviving income beneficiary.

  • The donor is able to make partially tax-deductible premium payments for a personal insurance need.
  • For example, assume Mr. Donor establishes a net-income unitrust with a make-up provision (NIMCRUT) that will pay 6% per year for the lives of Mr. and Mrs. Donor. The trust is funded with property valued at $1,000,000 that is generating $60,000 of annual income. Under the typical CRT scenario, Mr. and Mrs. Donor will receive payments from the trust of $60,000 per year for life (6% of $1,000,000). Upon Mr. and Mrs. Donor’s death, charity will receive the $1,000,000 remainder value.

    (March 31, 1992) and

    (August 7, 1987), the IRS approved the payment of premiums by the trust under the following circumstances.

    • The trust was established as an income only unitrust.

  • Premium payments would come from principal only, and never from trust income.

  • Cash value withdrawals or dividends would be treated as principal and not income.

  • Nothing from the policy would ever be paid as income to the income beneficiaries.
  • The same double tax situation discussed for qualified plans also exists for non-qualified or supplemental retirement plans. These have become especially popular as a method of offsetting the limitations imposed on the more traditional qualified plans. Supplemental executive retirement plans (SERPs) are company paid plans while non-qualified deferred compensation plans (NQDC) are commonly used to allow executives to defer funds over and above the 401(k) limitations.


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  • Can Your Car Insurance Improve Your Credit Score? #auto #insurance #credit


    How Your Car Insurance Can Improve Your Credit Score

    January 26, 2017

    You re a good driver, so why is your car insurance premium so high? To start off, you might want to compare car insurance rates, but you probably know that already. Another reason might be your credit score. Almost all car insurers 95 percent, according to FICO check your credit before determining your car insurance premiums. But if your credit s not great, don t despair. Having car insurance can actually improve your credit score over time.

    Your credit score vs. your credit-based insurance score

    Your credit score is a number between 300 and 850 that represents how much of a risk you are as a borrower. If you ve had bankruptcies, tax liens, unpaid credit card bills or debt collections, your score will be lower and it will be harder for you to get approved for credit.

    Don t know your credit score?

    You can obtain it online, but be careful not to accidentally purchase a subscription service. is one site that provides credit scores without fees or obligations.

    Car insurance companies actually consider a different type of score when they re determining policy premiums. This is called your credit-based insurance score. Like your credit score, it s based on your history of paying bills on time and keeping accounts in good standing, as well as any debt you might have. Opening new accounts can ding this score. Insurers do not, however, consider your job history, income or other personal information.

    Why do car insurers care about my credit?

    Research has shown that your credit-based insurance score is a good predictor of the likelihood you ll file a claim. The lower a person s score, the larger the losses incurred by the insurance company for that person, on average.

    Some consumer advocacy groups protest the use of credit-based insurance scores, saying that minorities are disproportionately affected and that most customers don t understand that their credit can affect their insurance premiums. If you live in California. Hawaii or Massachusetts, insurers are prohibited from checking your credit history.

    Some insurers, like Nationwide, have an extraordinary life circumstances policy that allows you to request a reconsideration of your premium if your credit has suffered because of a divorce, military deployment, serious illness or other catastrophic event.

    How can my car insurance improve my credit score?

    First, the bad news. Your car insurance premiums, like your cell phone payment and other monthly bills, don t show up on your credit report. If you fail to pay your car insurance on time, however, that lapse will lower your score. You can get a credit-score boost from your car insurance if you charge it to your credit card and pay it off monthly. Building a history of timely payments is one of the best ways to improve your credit score.

    If you re wondering why your credit score seems low, check your credit report for the details. Your full credit report will show you any potentially negative items, such as unpaid accounts or liens. It ll also show you your accounts in good standing. Don t pay for your credit report when you don t have to. Federal law requires each of the three major credit reporting agencies to give you one free credit report each year. You can get your free credit report here .

    Buying auto insurance can be a confusing and disoriented process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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    Los Angeles car insurance rates by ZIP code #los #angeles #car


    Los Angeles Car Insurance

    Los Angeles car insurance highest in state

    Los Angeles and its surrounding cities have the most expensive car insurance in California. But don t fret. Even if you live in one of the most expensive ZIP codes for California car insurance. you can cut your rate by 50 percent or more in some cases just by shopping around, according to our rate analysis.

    Drivers in Los Angeles ZIP code 90029 pay the highest average car insurance rate in California, $2,416 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($3,194) for that ZIP and the lowest ($1,464) is $1,730.

    Why comparing car insurance quotes saves you money

    No two car insurance companies will charge you the same amount even for identical coverage. That s because insurers use different formulas to calculate what you pay. If you don’t shop around to compare prices, you can’t save. To see how other Los Angeles car insurance rates compare, use our average rates tool below.

    See rates by ZIP code

    *Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

    The state average rate for a year of minimum coverage is $723, according to our rate analysis. If you bumped up your liability coverage to 50/100/50, the average rate would increase by just $188 to $911.

    Best car insurance in Los Angeles

    The cheapest policy isn t always the best. If you need enough car insurance coverage to make sure your home, savings and business are securely protected, you should buy liability insurance in the following amounts:

    • $100,000 to pay for others medical bills
    • $300,000 to pay for injuries to others in an accident you cause
    • $100,000 to pay for damage to others propert

    You should also consider buying these optional coverages:

    • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
    • Collision, which pays for damage to your car from accidents.

    Comprehensive insurance and collision coverage are not super expensive. In California, comprehensive costs $98 and collision costs $361 on average per year, according to the Insurance Information Institute. These two coverages, unlike liability insurance, come with a deductible. That s the amount you pay before your insurance kicks in. Insurers usually offer deductibles of $1,000, $500 and $250. The higher the deductible is, the lower your rate will be.

    Los Angeles ZIP 90001 car insurance rates for coverage recommendations

    *Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

    Driving in L.A.

    Traffic in Los Angeles: The city and nearby areas came in second for the worst traffic in the country in a recent report by USA Today, which notes that drivers spend about 80 hours a year stuck in traffic.

    Car crashes: Major accidents have resulted in an average of 230 deaths a year in recent years (2012-2014).

    Commuting: The average commute in Los Angeles lasts 28.6 minutes.

    High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the Los Angeles area, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed. The lanes are open 24/7.

    Public transportation: The U.S. Census Bureau says that the majority of riders in Los Angeles who commute to work by public transportation are white (about 11 percent), Hispanic (about 71 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

    Smog rules: All California residents must have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection for registration, even if they have a current smog certificate from their previous state.

    Bad drives: There are many in this freeway-webbed city, but driving on the 10 or 110 freeways in or near the downtown area, especially during rush hour, can reduce life to a crawl.

    The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.


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    The Union Labor Life Insurance Company, Inc: Private Company Information #the


    Company Overview of The Union Labor Life Insurance Company, Inc.

    Company Overview

    The Union Labor Life Insurance Company, Inc. offers insurance services for union workers and their families. It provides its services in the areas of life insurance, individual life insurance, direct response marketing, and investment services. The company also offers group life and accidental death and dismemberment insurance, group disability insurance, stop loss insurance, and individual insurance. It provides an array of commingled investment accounts. The company was founded in 1927 and is based in Washington, District Of Columbia. The Union Labor Life Insurance Company, Inc. operates as a subsidiary of ULLICO Inc.

    111 Massachusetts Avenue NW

    Washington, DC 20001

    Key Executives for The Union Labor Life Insurance Company, Inc.

    President and Chief Executive Officer

    President of Retirement Services

    President of Ullico Investment Advisors

    Compensation as of Fiscal Year 2017.

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    Recent Private Companies Transactions

    No transactions available in the past 12 months.

    The information and data displayed in this profile are created and managed by S ?>


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    LIC – Life Insurance Corporation, Health Insurance in India, Insurance Portal,


    Insurance Portal

    A complete Insurance Solutions

    Smoking life insurance

    Life Insurance

    Life insurance in India serve over 100 years ago. Which is one of the most populated in the world, the prominence of insurance is not as widely understood, as it ought to be with special reference to LIC.

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    Health Insurance

    Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses, among a targeted group.

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    Best LIC Plans

    Money Back Plans.

    Whole Life Plans.

    Term Assurance Plans.

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    Best Health Plans

    Health Insurance Plans for Individuals.

    Health Insurance Plans for Families.

    Unbelievable Health Plan- ENERGY for Diabetic and Hypertension.

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    LIC Credit Card

    Presenting the Launch of LIC Credit Cards. A partnership between LIC Cards Services Limited (LIC CSL) and Axis Bank Ltd

    New Jeevan Anand

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    Anmol Jeevan II

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    Latest News Events

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    This is to inform you that LIC launch new jeevan anand whole life plan table no 815.

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    This is to inform you that LIC launch new bima bachat single premium plan table no 814.

    We are celebrating Health Insurance Week from 6th to 12th December 2014. On this occasion we have so many offers. For more detail contact us.

    Personal Income-tax exemption limit and Investment limit under section 80C raised by 50,000/. So, now a person can save upto 30,000 tax in financial year 2014-15.

    A single premium limited preiod plan.

    LIC launch a plan for children future with PWB.

    Amulya Jeevan II

    Health and Saving Tips:

    Its always a good time to quit bad habits: Chewing tobacco, smoking and drinking, all these habits are injurious to our health. Its prime high time to take care of your health and prevent your family as it is truly said that prevention is always better than cure. Quit these lethal and deadly habits and save your life as well as money. Plan to invest and go with the good investment plan that covers your health risk and gives a smart return at the time of your retirement age. We save your life and provide sound economic returns with the slogan AAJ KI BACHAT KAL KI SURAKSHA

    Other Quick links

    Our mission : Main mission of our web site is to provide true and transparent service to our customer and insured more percentage of population. Serve by providing proper advice as per requirement and budget of the proposer. We want to provide better life as well as health insurance plans service to our valuable customers by providing LIC s policies as well as Apollomunich policies. Providing services to our customers like Tax advice, investment advice, income tax return etc. You can Save tax u/c 80C and u/s 80D by investing under this and return you will get from life insurance as money back as well as maturity is tax free u/s 10(10D). We have pension , child education, child marriage, child future and many more solutions.


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    When Visa or Green Card Holders Must Pay Taxes #insurance #for


    When Visa or Green Card Holders Must Pay Taxes

    Even if you are not a U.S. citizen, you may be required to pay taxes in the United States. Whether or not you must file a U.S. tax return depends upon whether the U.S. government considers you a “tax resident.” All permanent residents (green card holders) are tax residents, but only some holders of nonimmigrant visas are tax residents (see below). Still, filing a tax return can be a good thing if you’ve been working for an employer who’s been withholding taxes from your paycheck — you may get a refund!

    Tax residents must report their entire worldwide income to the U.S. Internal Revenue Service (IRS). It doesn’t matter if a portion or all of that income was earned from investments or business activities carried on outside the United States; a tax resident must report it all. But becoming a tax resident does not necessarily mean that the U.S. government will tax all of your worldwide income.

    These rules are complicated and subject to a number of confusing exceptions. If you are unsure of your situation, consult a tax accountant or lawyer. Also see IRS Publication 519, U.S. Tax Guide for Aliens . available at

    If You Have a Green Card

    Once you get a green card, you automatically become a U.S. tax resident, starting with the year you got the green card, and you must declare your entire income to the U.S. government, unless you took steps to be treated as a resident of a foreign country under an income tax treaty.

    You may have heard that the number of days you spend in the United States each year has some effect on whether or not you are a tax resident. But this is true only for people who have nonimmigrant visas, discussed below. It is not true for green card holders. Even if you remain outside the U.S. for an entire year, you’ll still need to report your entire worldwide income.

    As a green card holder, you must file a U.S. tax return Form 1040 each year.

    If You Surrendered or Abandoned Your Green Card

    Losing your permanent resident status doesn t automatically mean you stop being a tax resident of the United States. You might need to notify the Department of Homeland Security that you lost permanent resident status or are surrendering your green card, and perhaps file IRS Form 8854. before you are relieved of the duty to file U.S. tax returns.

    For some people, this duty to file U.S. tax returns can last for ten years after they stop being a U.S. permanent resident. For more information, see IRS Publication 519.

    If You Have a Nonimmigrant Visa

    Though holders of nonimmigrant visas are, by definition, not permanent residents of the United States, they may become tax residents simply by spending a certain amount of time in the country each year.

    The Substantial Presence Test

    If you hold a nonimmigrant visa, you will become a tax resident if you are present in the United States on at least:

    • 31 days during the current year, and
    • 183 days during the three-year period that includes the current year and the two years immediately before that.

    Thus, you will automatically be a tax resident for any year you spend 183 days or more in the United States.

    However, if you spend less than 183 days, but more than 31, you’ll be a tax resident only if your total days in the United States during the current and previous two years add up to 183. But you don’t count all the days you were present in the country during the previous two years. You count 1/3 of the days you were present in the first year before the current year, and 1/6 of the days you were present in the second year before the current year.

    Example: You were physically present in the United States on 122 days in each of the years 2015, 2014, and 2013. To determine whether you meet the substantial presence test for 2015, count the full 122 days of presence in 2015, 41 days in 2014 (1/3 of 122), and 20 days in 2013 (1/6 of 122). The total for the three-year period is 183 days, so you are considered a tax resident for 2015.

    If you spend fewer than 31 days of the current year in the United States, you will avoid being classified as a tax resident for that year.

    You are treated as present in the United States on any day you are physically present in the country, at any time during the day. However, do not count the following:

    • days you regularly commute to work in the Untied States from Canada or Mexico
    • days you are in the United States for less than 24 hours while travelling
    • days you are unable to leave the United States because of a medical condition that develops while you are in the country
    • days you are an exempt individual–for example, you’re a student temporarily present in the United States under an “F, ” “J, ” “M, ” or “Q ” visa; a teacher or trainee temporarily present under a “J ” or “Q ” visa; or a diplomat, foreign government employee, or someone otherwise related to a foreign government; or a professional athlete who is temporarily in the United States to compete in a charitable sports event.

    If you exclude days of presence in the United States, you must file a fully completed IRS Form 8843, Statement for Exempt Individuals and Individuals with a Medical Condition .

    The Less-Than-183-Plus-Closer-Contacts Exception

    Even if you have a nonimmigrant visa and qualify as a tax resident under the above rules, you can avoid being treated as a tax resident if you:

    • are present in the United States for less than 183 days during the current year
    • have not applied for a green card
    • have a closer connection with a foreign country than with the U.S. and
    • maintain a tax home in this foreign country during the year.

    You will be considered to have a closer connection to a foreign country than the United States if you or the IRS establishes that you have maintained more significant contacts with the foreign country than with the United States.

    There are other exceptions to these tax rules based on tax treaties between the U.S. and your home country.

    If you are a nonimmigrant tax resident of the United States who is required to file a federal income tax return, you use Form 1040NR or 1040NR-EZ.

    Filing Your Taxes as a Foreign-Born Tax Resident

    If you’re a tax resident, all the tax rules applicable to United States citizens also apply to you. You can generally claim the same deductions and credits allowed to U.S. citizens. Tax residents also generally report tax payments, including withholding, using the same rules as U.S. citizens.

    To avoid double taxation, tax residents may claim a foreign tax credit for income tax paid or owed to a foreign country on foreign source income. To claim the credit, you must file Form 1116, Foreign Tax Credit (Individual, Estate, or Trust) . with your Form 1040. For more information, get Publication 514, Foreign Tax Credit for Individuals .

    The due date for filing your tax return and paying any tax due is April 15 of the year following the year for which you are filing a return.

    You are allowed an automatic extension to June 15 to file your return and pay any tax owing if your main place of business and the home you live in are outside the United States and Puerto Rico on April 15. You can also get an automatic extension of time to file your return until October 15, by filing IRS Form 4868 on or before April 15 (or by June 15 if you qualify for the June 15 extension), but will need to pay any tax due by the required, unextended date.

    Failure to follow the U.S. tax laws can lead to bad consequences for tax residents. If you have a green card, it will hurt your ability to qualify for U.S. citizenship. It may also be considered a crime — and if you are found guilty, your green card can be revoked and you may be deported.

    If you have a nonimmigrant visa, failure to follow U.S. tax laws can lead to criminal punishment, revocation of your visa, and deportation. Failure to comply with U.S. tax laws can also make it more difficult for you to obtain permanent residency (a “green card”) should you ever want it.

    To find out exactly how to comply with U.S. tax laws, consult a tax professional or visit the IRS website at .

    To learn more about the details of immigrating to the United States, see U.S. Immigration Made Easy . by Ilona Bray (Nolo).

    Talk to an Immigration attorney.


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    Emergency Travel Medical Insurance #cheap #cheap #flights

    #medical travel insurance


    • Ground ambulance charges of up to $3,000 coverage, return home by regular flight up to $25,000 or air ambulance to the nearest appropriate medical facility up to $250,000 in coverage
    • Return home of up to $2,000 coverage for dependant children or travelling companion who are insured and travelling with you
    • A round trip economy airfare by the most direct route for the transportation of a relative to your bedside if you are hospitalized due to a critical emergency

    Convenience Comfort

    • Meals and accommodation expenses up to $150 per day to a total of $1,500 when your trip is delayed beyond the scheduled return date due to a medical emergency or death
    • Coverage extension for up to 72 hours if your trip is delayed beyond your policy end date due to a medical emergency or other covered event
    • Vehicle service expenses of up to $1,000, to return a rental vehicle or bring your vehicle home if you are unable due to a medical emergency

    For a detailed summary of benefits, eligibility conditions, limitations and exclusions, please review the sample Certificate of Insurance (260KB)

    This insurance will not pay for losses or expenses incurred for, or as the result of:

    • Any pre-existing condition unless you have applied and qualified for pre-existing condition coverage and received a Guarantee of Coverage from TIC. A pre-existing condition means a sickness, injury or medical condition, whether or not diagnosed by a physician, for which you had symptoms, or required or received medical attention, consultation or treatment, and which existed before your departure date or the effective date of your coverage;
    • Treatment if you specifically purchased this insurance to obtain such treatment, whether or not it was recommended or authorized by a physician;
    • Sickness or injury related to a change in a pre-existing medical or health condition for which you have received a Guarantee of Coverage if you failed to notify TIC of that change prior to your departure date or the effective date of any top-up or extension of your coverage;
    • Any treatment, investigation, or hospitalization which is a continuation of, or subsequent to, an emergency unless you are declared medically unfit to return to Canada by CIBC Travel Assistance.

    Ways to Buy

    Getting travel insurance may be the easiest part of your trip

    CIBC Emergency Travel Medical Insurance is available to CIBC customers who are residents of Canada and are covered by a Canadian Government or Provincial Health Insurance Plan.

    Who is eligible?

    You are eligible for CIBC Travel Insurance coverage if:

    • You are a CIBC customer;
    • You are a resident of Canada who is covered by a Canadian Government or Provincial Health Insurance Plan for the entire insured trip, and;
    • You have paid the required premium in full and are travelling outside your province of residence;
    • For the CIBC Emergency Travel Medical Multi-Trip Annual Plan, you are not employed outside Canada on a full or part-time basis, unless you will be receiving Canadian wages from a Canadian employer and the employment outside of Canada is less than 30 days during a one year period. You may pay a premium surcharge to have this eligibility requirement removed. When a surcharge is paid, no written confirmation is necessary and eligible claims will be paid according to the terms and conditions of the coverage.

    If you are between the ages of 55 and 74, inclusive and are travelling for 23 days or more, or you are 75 years of age or more, you need to have your health history reviewed and receive a written Guarantee of Coverage from the insurer.

    When you require coverage for any of the following:

    • Travellers of any age with pre-existing medical conditions 4 or symptoms
    • A traveller between the age of 55 and 74, who will be travelling for more than 22 days or a traveller 75 or older

    Get a quote and buy by calling 1-800-387-5290

    You may need to answer a few health-related questions or complete a written medical questionnaire and receive a written confirmation of coverage.


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    Appointment Setting and Performance marketing – Mercury Leads – Sales Lead


    Appointment Setting and Performance marketing

    Mercury Leads is a variable-cost sales outsourcing company. We help our clients spend their time closing deals by setting appointments with potential clients that are ready to buy. We work closely with our clientele as an executive sales assistant who prospects, converts, and schedules the sales appointment for our client. Our services include:

    1. Telemarketing and Email Prospecting – There is no substitute for relationship building right from the very beginning. Our senior sellers have kept our clients happy for over fifteen years.
    2. Custom Data Compilation – Data is everything Mercury Leads licenses several list services that allow us to ensure that we can convert your audience into sales ready leads at the highest rate.
    3. Replacement Guarantee – If you’re not satisfied with the quality of one of your appointments, we replace it at no-cost to you.

    Mercury Leads has been specializing in insurance appointment setting, benefits management appointment setting, telecom leads, and Information Technology for over 10-years. Up to this point there has really been no industry that we haven’t been able to tackle head on.

    Here are some of our clients:

    Telemarketing for insurance

    Telemarketing for insurance

    Telemarketing for insurance

    Telemarketing for insurance

    Telemarketing for insurance

    Telemarketing for insurance


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    Air insurance, air insurance.#Air #insurance


    Consumer Autos

    Air insurance

    Car-share firm Turo targets global expansion with new fundraising 12 Hours Ago

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    San Diego car insurance rates by ZIP code #san #diego #auto


    San Diego Car Insurance

    San Diego car insurance rates

    Compared to Los Angeles car insurance rates, San Diego’s are hundreds of dollars less, but still not cheap. The same driver will pay hundreds of dollars more in Coronado than in Carlsbad, according to our California car insurance rate analysis. But even if you live in one of the higher-cost ZIP codes, you can save money by simple comparison shopping. No two car insurance companies will offer you the same rate.

    San Diego ZIP code 92135 is the most expensive for car insurance in the city, $1,467 a year, according to a survey of rates from six major carriers. But the difference between the highest rate ($1,703) for that ZIP and the lowest ($1,130) is $573.

    Why comparing car insurance rates saves you money

    Prices for the same policy vary by hundreds sometimes thousands of dollars because no two insurance companies us the same formula to calculate rates. That s why you have to shop around to save money. To see how car insurance rates compare, use our average rates tool below.

    Enter a ZIP code to see the average premium for the location, as well as the highest and lowest rates from the six major carriers surveyed.


    California’s license plate currently ranks as the 35th most popular in the country! commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
    Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
    Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
    Your own rate will depend on your personal factors and vehicle.

    State Minimum:
    Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

    Liability Only 50/100/50:
    $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.

    Full Coverage 100/300/100:
    $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.


    Cheapest car insurance in San Diego

    If you need just enough coverage to drive legally, you ll want to shop for the lowest liability car insurance limits required by the state. In California, (written as 15/30/5) that means your liability car insurance would pay up to:

    • $15,000 for injuries you cause to others
    • $30,000 per accident
    • $5,000 for damage you cause to others cars and property

    The state average rate for a year of minimum coverage is $723, according to our rate analysis. You would pay just $188 more if you hiked your liability coverage to 50/100/50.

    Best car insurance in San Diego

    If you want to have enough car insurance coverage to protect your home and assets, you should buy liability insurance in the following amounts:

    • $100,000 to pay for others medical bills
    • $300,000 to pay for injuries to others in an accident you cause
    • $100,000 to pay for damage to others property

    You should also consider buying these optional coverages:

    • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
    • Collision, which pays for damage to your car from accidents.

    Comprehensive insurance and collision coverage pay out up to the actual cash value of your car. In California, comprehensive costs $98 and collision costs $361, on average per year, according to the Insurance Information Institute. These two coverages come with a deductible. That s the amount you pay for each claim before your insurer pays out. Deductibles of $1,000, $500 and $250 are the usual amounts from which you can choose. The lower the deductible is, the higher your rate will be.

    California car insurance rates for coverage recommendations

    *Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for by Quadrant Information Services.

    Driving in San Diego

    Traffic in San Diego: The city and nearby areas came in 13 th for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 37 hours a year stuck in traffic.

    Car crashes: Major accidents have resulted in an average of 70 deaths a year in recent years (2012-2014).

    Commuting: The average commute in San Diego is 24.4 minutes.

    High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In the San Diego area, only vehicles with at least two people, mass transit vehicles like buses and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

    Public transportation: The U.S. Census Bureau says that the majority of riders in San Diego who commute to work by public transportation are white (about 29 percent), Hispanic (about 43 percent) and black (about 9 percent). The bureau notes that commuting is the main reason people use mass transit.

    Smog rules: All California residents much have their vehicles tested for emissions at a licensed smog testing center every two years to renew registration. Vehicles that are six years old or less are exempt from testing. New California residents must have an initial inspection to have their vehicle registered, even if they have a current smog certificate from their previous state.

    Bad intersection: Where 54 th Street and University Avenue meet is considered one of the worst intersections in San Diego, with 77 accidents reported during the past ten years.

    The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.

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    Sample Life Insurance Application Questions #example #of #life #insurance


    Sample Life Insurance Application Questions

    Whether you re thinking about applying for life insurance or just curious, we will cover exactly what s on the life insurance application. Life insurance companies use a lot of information to safeguard themselves from bad risk in order to maintain their financial strength. That is why a lot of information is asked up front for the application and additional information gathered on the back end. Most life insurance companies have similar sections for different information they require.

    First part of the life insurance application you will be asked for your personal information such as your full name, address, DOB, driver license, social security, and employment information. Next, the application will usually ask you for both primary and backup beneficiaries. This is where you will decide how the pie will be distributed between your family in the event of sudden death. Keep in mind that you will need to have your beneficiary s name, DOB, relation to you, social security number and percentage to be paid out.

    Here is where it gets interesting because you will be asked a series of questions about your medical history and non-medical hazards. There are too many questions to list, but let s look at some sample overview of what to expect.

    Sample Life Insurance Health Questions

    What is your height and current weight?

    • Your build will strongly affect your rates and some companies will give you a better rate so it s important to shop around.

    Have you ever used tobacco?

    • If you haven t used tobacco in the last 24 months most companies will give you a non-smoker rate however to get the best rating you need to be tobacco free for more than 5 years. For anyone who uses electronic cigarettes. tobacco chewing or occasional cigar you may qualify for non-smoker rates as well.

    Has anyone in your immediate family passed away from stroke, cancer or heart attack prior to age 60?

    • If the answer is yes, you can expect to get a higher rate since this statistically means you have higher odds of getting those illnesses.

    Are you diagnosed with any illness/diseases? (Blood pressure, diabetes, stroke, heart attack, asthma, cancer, hepatitis, depression and many others)

    • This is where most clients get substandard rates or simply get declined. For each condition you have the company will deduct points so they kind of stack up to determine your final rate or eligibility.

    Are you on any prescription medications?

    • This is a good time to let the carrier know since they will be running a prescription database check. So it s best to be straightforward and let them know what the meds are for.

    Have you been hospitalized within the last few years?

    • If you have a medical condition and have been hospitalized for it within the last 24 months typically that looks bad and some carriers will want you to wait before reapplying.

    Do you have AIDS, HIV or ARC?

    • If you answer YES, then you should only be looking at a guaranteed issue life insurance plan.

    Are you on disability now?

    • This is usually asked to see if your medical condition is disabling you from working and if it is then you have a moderate to severe condition.

    Name, phone, address of your primary care physician?

    • Carriers ask these details since they will pull medical records if they need additional details. Sometimes this will be skipped if everything else is totally normal.

    Sample Life Insurance Hazard Questions

    Are you a pilot?

    • For commercial pilots, there is no surcharge. If you re a private pilot you will need to have certain certifications and total hours. For student pilots, there is a flat extra for the time they are students which get very costly.

    Do you participate in any dangerous activities?(skydiving, scuba diving, racing, mountain climbing, etc.)

    • If you answer yes, it is going to be wise to use a high-risk agency since most companies will rate you highly or decline the application.

    Are you planning to reside outside the U.S. within the next two years?

    • If you are the carrier want to know which country since certain countries are extremely risky. For example, if you re going to a country where there is mishap or war you ll most likely be declined.

    Have you been convicted of a felony or DUI?

    • Someone with a felony should only apply for life insurance after 12 months once probation or parole has been completed and only with certain companies. (click here for more info) DUI s are a little easier to insure but prepare for higher rates especially if it occurred recently.

    Any history of substance abuse?

    • This can get tricky especially if it is recent. From our experience, the companies want to see some time pass.
    • If you re active military almost all life insurance carriers will turn you down for obvios reasons.

    There is also a section on the application that asks about the coverage specifics. This is where all the information about your plan type, coverage amount, and any additional riders will go. Next, you will need to provide information about an existing life insurance coverage and answer questions pertaining to replacement of the policy.

    Once the application is complete, the company will schedule an exam unless you opt for no exam life insurance. It’s crucial not to hide any information since the life insurance companies are incredibly good at finding most minor details about you. They will check the MIB (Medical Information Bureau), Rx databases, doctor records, DMV and might even request a file from a consumer reporting agency.

    If you re wondering what the application entails because you re unsure about your eligibility. There are thousands of life insurance companies and each company has conditions which they will insure that others won t. The key is to work with an agency that is independent and represents many different companies. As mentioned before, be upfront with your agent so they can recommend the right company for you.

    Hope we were able to give you an idea of what to expect, but if we missed anything drop us a comment or simply reach out. Now that you know, we welcome you to check out some term life quotes here .


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    Medpro Malpractice Insurance #medical #malpractice #insurance #carriers


    Get a Free, No-Obligation Comparison of Premiums from Multiple Carriers through PriMed Consulting

    Prem Belani is the founder and CEO of PriMed Consulting, one of the most reputable medical malpractice insurance agencies in the region. PriMed has been assisting health care professionals in NJ & NY since 1996.

    With over 24 years of experience in the insurance industry, Prem has worked extensively with physicians and groups of all sizes and has advised them on their malpractice coverage options. Over the last ten years, Prem has been a frequent speaker on malpractice issues at several medical societies, associations, hospitals and industry events. In addition, Prem has often given presentations educating residents and fellows on malpractice issues, and continues to write articles for various newsletters and societies.

    Prem is passionate about spending time with his wife Natasha and daughters Sachi and Sanvi. And when time permits, he enjoys golf, squash, tennis and traveling.

    Michael Elefante

    Michael is a resident of Lindenhurst NY, and is our regional NY Account Executive. Michael has 15 years of clinical and management experience in healthcare. Michael has first-hand understanding of the everyday life of a healthcare professional and the challenges that arise both administratively and clinically. Michael understands the unique needs of each specialty and the unique needs of hospitals and medical facilities. This makes the process of finding the right place for each client seamless. Outside of work, Michael enjoys spending time with his family, playing golf, and following his favorite professional sports teams.

    Olga Mavashev

    Olga is a resident of Jamaica Estates NY. Olga enjoys her role at PriMed, with a focus on new business development, as this appeals to her outgoing nature and gregarious personality. Olga has a strong background in clinical and research areas of science, primarily in oncological genetics and neuroscience. She has a M.A. in Biotechnology from Hunter College-CUNY and a Property & Casualty license. She is fluent in Farsi, Hebrew and Spanish, and has an excellent ability to communicate and present complex information in a simplistic manner in both, Russian and English. Olga is married and a mother of three. In her free time she enjoys hiking, playing board and card games, going to the beach, and playing ball games with her family.

    Paul Rafferty

    Paul is an Account Executive with PriMed Consulting. He joined PriMed in January 2016. Paul brings over 11 years of experience in the insurance industry and is responsible for business office policies, workers? compensation, employment practices, billing errors and omissions, cyber liability and excess liability policies. Prior to joining PriMed Consulting, Paul held Account Executive positions with increasing levels of responsibility at State Farm and Irving Weber Associates, Inc. Paul takes pride in getting to know his customers and making sure that they have the appropriate levels of coverage. He is passionate about providing insurance solutions to the challenges our clients face on a day-to-day basis.

    Tammy Dahm

    Tammy is the Supervisor of our NY and NJ non-standard market accounts. She has been a licensed professional in the insurance industry since 1992. Prior to moving back to NJ in 2007, she owned and managed her own P this has reflected in her eagerness to service the clients of PriMed Consulting. D. Marie, her husband of 30 years, Bernie and their son Bernard treasure family time and enjoy spending the fall weekends together tailgating at Penn State Games.

    Mary Jackson

    Mary Jackson is an Account Manager with PriMed. Mary works with our clients on their medical malpractice insurance policies as well as their Workers Comp. and Business Owners policies. Mary enjoys the client facing component of the role as she is service oriented. Mary has been in insurance for many years and has worked as an Underwriter in commercial lines prior to joining the PriMed team. When Mary is out of the office, she enjoys spending time with her husband and their young daughter.

    Linda Martino

    Linda began her career with PriMed as an Administrative Assistant, and has quickly advanced to be our Office Administrator. Prior to joining PriMed, Linda held an Executive Assistant position. Linda is the ‘go-to’ for all the everyday issues we may have as a business. Linda clearly demonstrates a keen ability to prioritize and manage several projects all at once, and is a very good team member at PriMed.


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    What Determines The Price Of My Auto Insurance Policy, III, go


    What Determines The Price Of My Auto Insurance Policy?

    The average yearly auto insurance premium is around $800, but there is wide variation around this average. Many factors can affect your premium, and they all help determine how likely you are to have an accident. Perhaps surprisingly, many of them do a better job than just your driving record. Not all companies use all of these factors, and some might use factors not listed here. Your premium may depend on, in no particular order:

    The better your record, the lower your premium. If you have had accidents or serious traffic violations, it is likely you will pay more than if you have a clean driving record. You may also pay more if you are a new driver and have not been insured for a number of years.

    The more miles you drive, the more chance for accidents. If you drive your car for work, or drive it a long distance to work, you will pay more. If you drive only occasionally—what some companies call “pleasure use”, you will pay less.

    Where you live and where the car is parked can affect the cost of your insurance. Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay a higher auto insurance price than those in small towns or rural areas.

    Other factors that vary from one area or state to another are: cost and frequency of litigation; medical care and car repair costs; prevalence of auto insurance fraud; and weather trends.

    In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.

    As a group, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUIs) and most importantly less serious accidents than men. So, all other things being equal, women generally pay less for auto insurance than men. Of course, over time individual driving history for both men and women will have a greater impact on what they pay for auto insurance.

    Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car itself is major rate factor, the cost of repairs, and the overall safety record of the car. Engine sizes, even among the same makes and models, can also impact insurance premiums. Cars with high quality safety equipment might qualify for premium discounts.

    Insurers not only look at how safe the car is to drive and how well it protects occupants, they also look at the potential damage a car can inflict on another car. If a specific car has a higher chance of inflicting damage on another car and its occupants, some insurers may charge more for liability insurance.

    For many insurers, credit-based insurance scoring is one of the most important and statistically valid tools to predict the likelihood of a person filing a claim and the likely cost of that claim. Credit-based insurance scores are based on information like payment history, bankruptcies, collections, outstanding debt and length of credit history. For example, regular, on-time credit card and mortgage payments affect a score positively, while late payments affect a score negatively.

    In virtually every state, by law you must buy a minimum amount of liability insurance. The state required limits are generally very low and most people should consider purchasing much more than the state requirement—the recommended amount of liability protection is about ten times the average state minimum. If you have a new or recent model of car, you likely will also buy comprehensive and collision coverage, which pays for damage to your car due to weather, theft or physical damage to the car such as being hit by a tree. Comprehensive and collision coverages are subject to deductibles; the higher the deductible, the lower your auto insurance premium. While there is no legal requirement to purchase these coverages, if you finance the purchase of the car or you lease it you may be required by contract.

    Perhaps just as important, insurers NEVER use race or religion to set rates. Such practices are illegal. Insurers believe them to be abhorrent as well.


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    Real Estate Appraisers E – O Insurance #appraisers #e #o #insurance,


    Real Estate Appraisers Errors and Omissions Insurance

    Highlights: Real Estate Appraisers (E O) Errors Omissions

    Errors and Omissions Coverage available for Appraisers in all states except Alaska and Lousiana

    • Simple one page self-rating application or apply online
    • Coverage for Residential and Commercial Appraisals
    • Lowest Premiums
    • NO additional membership fees required to purchase insurance
    • Appraiser trainees eligible to purchase policy if passed exam
    • Policy limits up to to: $1,000,000 per claim / $2,000,000
      annual aggregate
    • Prior acts coverage available for appraisers with proof of
      continuous insurance
    • Low annual deductible of $500 per claim/$1,000 annual aggregate ($0 deductible in New York)
    • Coverage included for review appraisers
    • Claim expenses are provided in addition to the policy limits
    • Free Extended Reporting Period Options available for Retirees, Disability or Death
    • Financing options available

    Additional Information:

    For Real Estate Appraisal firms with 2 or more Real Estate Appraisers wanting a quote for the firm, contact our office at 800-336-5422 for a premium estimate.

    If you require Real Estate Errors and Omissions Insurance for employees, higher policy limits or Insurance for Real Estate Sales or other Real Estate activities please Click Here to obtain the application for Real Estate professionals.

    Select the information, applications or forms that you need from the list below.

    All material is provided in Adobe Acrobat PDF format. If you do not have Adobe Acrobat Reader, Click Here to install a free copy.


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    Annuities – Guaranteed Income Funds, Instant Life Insurance, net life insurance.#Net


    Understand Annuities

    An annuity is a simple retirement income option that provides guaranteed income with no market exposure.

    How does it work?

    In exchange for a single lump sum investment an insurance company will pay you income for the rest of your life or a chosen period of time. This income payment will include the return of principal investment as well as interest.

    There are three types of annuities:

    Single Life Annuity

    This type of annuity provides guaranteed income for a lifetime of one individual regardless of market conditions or interest rate fluctuations.

    Joint Life Annuity

    This type of annuity, also referred to as Last Survivor Annuity, provides guaranteed income for the lives of two people regardless of market conditions or interest rate fluctuations. When the first person dies the income is paid to the surviving individual.

    This annuity provides guaranteed income for a predetermined period of time or until you reach a certain age.

    To get more information on annuities or to get a no obligation quote please complete a short enquiry form and we will be happy to assist you.

    Why choose Instant Life Insurance?

    Net life insuranceCompare rates from top Canadian providers

    Net life insuranceInsurance products to suit every need

    Net life insuranceExperienced advisors across Canada

    Net life insuranceNo medical insurance plans

    Net life insuranceProducts available for ages 0-85

    Net life insuranceExpert advice from qualified professionals

    Why choose Instant Life Insurance?

    Net life insuranceCompare rates from top Canadian providers

    Net life insuranceInsurance products to suit every need

    Net life insuranceExperienced advisors across Canada

    Net life insuranceNo medical insurance plans

    Net life insuranceProducts available for ages 0-85

    Net life insuranceExpert advice from qualified professionals


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    Cheap Insurance Florida #florida #cheap #insurance


    Cheap Car Insurance Florida

    Driving in Florida: Statewide Stats

    Insurance Facts

    Be sure to search all the options for cheap car insurance Florida can offer before you buy your next policy. The average 12-month auto insurance premium in Florida as of December, 2016 was $1,654. That’s a $124 increase over the 2011 rates, which is due in part to claims arising from the high number of uninsured drivers.

    Driving without insurance in Florida can result in a suspension of your registration or driving privileges, and a reinstatement fee of between $150 and $500, plus the cost of insurance.

    Florida has one of the highest uninsured motorists rates in the country (as high as 24% according to some sources ) despite its low coverage requirements in comparison to other states in the nation. According to the state’s Department of Transportation. there are over 15 million registered vehicles on the road. Being the fourth most populated state in the nation, that’s a lot of uninsured drivers.

    State Car Insurance Requirements

    • Florida state is a “no-fault,” meaning that an individual’s insurance company covers their losses regardless of fault.
    • Florida requires a minimum of $10,000 for Personal Injury Protection.
    • Florida also requires a minimum of $10,000 Property Damage Liability.

    Did you know?

    • When driving in Florida, watch out for hazards! There are over 30,000 lakes and more than 1,000 golf courses located in the Sunshine State.
    • International trade and tourism are the two major Florida industries.
    • Florida has a population of over 19 million
    • The distance between Pensacola and Key West is 792 miles.
    • 1,000 people move to Florida each day.

    Helpful Resources

    DMV website

    The Florida Department of Highway Safety and Motor Vehicles has authority over most auto-related matters; their website may be found here. A full list of office locations by county may be found here .

    DUI Information

    • According to the Century Council, there were a total of 44,894 DUI arrests in 2012.
    • Mothers Against Drunk Driving reported 697 drunk driving fatalities, and 17,199 alcohol related crashes, for a total taxpayer subsidy of $3.6 billion.
    • Florida law mandates that any driver with a DUI conviction must have an ignition interlock installed in their vehicle.
    • Penalties for first-time DUI offenses include a fine between $250 and $500, 50 hours of community service, up to 1 year of probation, and a minimum license revocation of 180 days.

    Registration Information

    Florida state law requires out of state vehicles to be registered within 10 days of new residents engaging in an occupation or registering a child in a Florida school. Registration is conducted by local county tax collectors, a full listing of whom may be found here .

    The Bottom Line

    If you are new to Florida, or are a current resident needing to register a vehicle, you may need insurance. Call us to speak with a live agent who can help guide you through the process and ensure you are getting the lowest possible rates for your area.

    We Have Your Town Covered!

    Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

    OR speak to an agent:


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    Full Coverage Auto Insurance, full insurance coverage.#Full #insurance #coverage


    Full Coverage Auto Insurance

    Summary: How to Get “Full Coverage” Car Insurance

    Did you know “full coverage” car insurance doesn’t actually exist? It’s a term often used to refer to the combination of collision and comprehensive.

    Full Coverage Auto Insurance

    Many think they carry “full coverage” on their car insurance policy; however, in reality there is no such thing as full coverage auto insurance.

    A full coverage policy is typically one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident.

    What Does “Full Coverage” Mean?

    While there is no car insurance coverage that goes by the name “full coverage,” most individuals think of full coverage as a policy that combines the following:

    • State-required liability or no-fault insurance coverage to cover bodily injury and property damages to others in an accident you cause.
    • Collision coverage to pay for damages to your vehicle in the event of an accident.
    • Comprehensive coverage, which is designed to cover vandalism, theft, and other damages that are not the result of an accident.

    Even with this, the details and amount of protection will vary by the company issuing the policy. You need to ask about the details and read the fine print carefully.

    Additional Coverages to Consider

    Having a full coverage auto insurance policy doesn’t mean you have full protection no matter what. Depending on your circumstances, it may even mean you don’t even have good enough protection. Instead of relying on a “full coverage” policy, ask yourself what coverage and limits best meet your needs.

    There are numerous other types of car insurance coverage that will offer you additional protection in case of an accident or other unfortunate situation.

    Consider adding one or more of the following insurance coverages to your policy if you are looking for a very comprehensive car insurance policy:

    • Uninsured motorist protection – This helps you cover your costs if you get hit by a driver with no insurance.
    • Underinsured motorist protection– This will help pay your costs if the other driver has insufficient insurance coverage and/or coverage limits.
    • Medical payments coverage– You can use this coverage to pay for your medical costs after a car accident, even if you were at fault.
    • Rental reimbursement – If you’re in an accident and your car is in repair, this coverage can cover your rental costs while you wait.
    • Emergency road service – You can use this coverage if your car breaks down on the road and you need towing or labor.
    • Customized parts and equipment – If you’ve enhanced your vehicle with expensive equipment, this coverage will help you with the cost of damages to your custom parts.
    • Gap insurance – If your car is totaled in an accident, this coverage helps pay the balance between the amount you owe on your loan or lease and the car’s estimated actual cash value.

    The Right Coverage for You

    There are many factors to consider when determining which auto insurance coverage to purchase and which to opt out of. These include:

    • The fair market value of your vehicle.
    • The quality and limits of your health insurance.
      • Medical payments coverage can be used to supplement your health insurance after an accident.
    • Your location.
      • High theft or vandalism rates can merit additional protection.
      • If your city has a high number of uninsured drivers, you may wish to purchases uninsured/underinsured motorist insurance.
    • Your current budget.
      • The best protection is frequently the most insurance you can afford to carry.

    Remember that what one person considers “full coverage” may not be the best car insurance for you.

    Take a look at your own personal needs, your vehicle, and your budget to determine what will work best for you. Once you have an idea of what car insurance coverages you need, talk to your agent or get a quote online to create a policy that you feel offers comprehensive protection and peace of mind.

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    Workers Compensation Insurance: Cost, Requirements, Where to Buy, workers compensation insurance


    Workers compensation insurance software

    Workers compensation insurance software

    Workers Compensation Insurance: Cost, Requirements, Where to Buy

    In most states, you are required by law to purchase workers compensation insurance that covers workplace injuries if you have employees. In this how-to guide, we’ll give the low-down on workers compensation insurance, including where to get it and how to manage coverage more easily.

    Please note that this article providers general information only. If you have questions specific to workers comp coverage for your business, we recommend asking a business lawyer or insurance professional. Also, be sure to check out Gusto, our recommended payroll provider that also takes care of workers compensation insurance, health benefits, and much more. Try it free for 1 month.

    What is Workers Compensation?

    Workers compensation insurance covers an employee’s medical expenses and lost income if they are injured on the job. The other important piece of this insurance is that, if an employee receives workers comp wages while they are injured or ill from something that happened at work, they cannot later sue you for the incident or for negligence.

    Companies that have 1 or more employees (outside of the owner(s)) are generally required to purchase workers compensation coverage. There are a few exceptions, which we outline below, but it is best practice to carry workers compensation insurance even if you do not have to.

    How Much Does Workers Comp Insurance Cost?

    The cost of workers comp insurance varies tremendously, depending on your industry and location. If you are in an industry where work-related injuries are more likely to occur or in a state/city where insurance premiums are higher, then you ll pay more.

    For example, for a tree trimmer, welder, or road construction worker, the cost could be $15 per $100 in payroll, or higher. On the other hand, the cost to cover a banker, architect, or attorney could be under $0.25 per $100 of their payroll. So, for an employee that earns $40,000 a year, a construction company may pay around $6000, whereas a white collar business may pay just $100.

    Additionally, after you’ve been in business for a while, your workers comp rates will go up or down depending on your accident history, just like they would for any other kind of insurance.

    According to Insureon, per $100 in employee wages, workers comp costs in the United States ranged from $0.75 in Texas to $2.74 in Alaska as of recent data.

    Workers Compensation Insurance Cost Examples

    To give you a better idea of how much workers compensation insurance might cost for your business, we analyzed rates for specific industries.

    The chart below shows standard workers comp rates in Florida as of December 2016:


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    Cruise Travel Insurance Quotes #air #travel #tickets

    #cruise travel insurance

    Buy travel insurance and get 2 for 1 cinema tickets

    Every Tuesday and Wednesday for a whole year with MEERKAT MOVIES

    Comparing cruise travel insurance

    Taking a cruise is a great way to holiday, many people love the idea of waking up in a different place every day and enjoying life at sea. But there are a few things that could happen on a cruise that wouldn’t on a traditional holiday.

    That’s why it’s useful to search for cruise specific cover when you’re looking for your travel insurance.

    As you probably know, it can be essential to have travel insurance as it should protect you if things go wrong when you’re far from home.

    What does travel insurance cover?

    The main idea behind travel or holiday insurance is to cover you for cost of medical treatment abroad – which could go into thousands of pounds. It could also pay for you to be transported home in an emergency.

    Policies do vary from insurer to insurer, but most should includeemergency medical treatment costs, including hospital charges and ambulance fees. They usually cover getting you home after medical treatment abroad, if you can’t use your original ticket. Often you’ll be covered for the costs of a friend or relative staying with you while you’re treated, or flying out from home to support you if needed.

    Your policy can also cover you for the loss of your baggage or other possessions, and refund you if the trip has to be cancelled or cut short for some reason.

    Isn’t that enough for a cruise too?

    If you’re getting travel insurance it’s usually because you want to protect against unlikely – but serious – things that could go wrong on your trip.

    So as there are some more things that could happen on a cruise, it might make sense to protect against these too.

    Let’s talk about the kinds of things that you might want your cover to protect against. These are included in most policies but check your level of cover.

    Missed port cover protects you if a planned destination visit is cancelled because of bad weather or timetabling. In others words, if you miss out on an island or city that you were looking forward to visiting, you will get some money back.

    Cabin Confinement Cover means that you can claim a payment if you have to stay in your cabin due to illness. You would need to have been confined to cabin by the ship’s medical officer to claim.

    Unused Excursions Protection should pay out if you miss an excursion because of an accident, injury or illness. This might only apply to excursions you choose at the point of booking your cruise, not ones you have booked since being on board.

    Finally, a serious risk when you’re on a cruise is that you have a medical emergency and need to be taken urgently to hospital. Cruise insurance will allow for the costs of emergency helicopter transfers.

    So how much will it cost you to buy cruise insurance? It actually depends on a few things, so the best way to find out what would work best for you is to run a travel insurance comparison.

    Where are you going?

    When you compare travel insurance you first need to decide if your policy needs to cover you just for Europe, the USA or Caribbean, or if you need worldwide travel insurance – you need to name the countries as part of the quote journey, so have your cruise itinerary handy.

    Who are you taking?

    Your cruise insurance could just be for you, or you could buy it as a couple, family or a group. If you’re including other people, you’ll need their dates of birth and information about any medical conditions they might have, to get an accurate quote.

    How’s your health?

    Insurers believe that if you have a health condition it could mean you‘re more likely to need medical help while you’re away. Because of this, some conditions might make your insurance more expensive but this isn’t always the case with all conditions.

    It’s important that you list any medical conditions and give insurers all the information they need because, if not, you might be charged more by your insurer or not be covered. Should your insurer discover that the medical emergency on your trip was linked to a condition you already had, they could refuse to pay your bills or add a cost.

    So to get you a list of quotes, we’ll ask you a few questions about your health and ask you to add in the names of any medical conditions.

    Compare and save!

    Next you’ll get a page full of travel insurance quotes. This are listed in price order with the cheapest travel insurance at the top.

    You can also see the details and features of each policy – how well it’s rated by Defaqto, the levels of medical, baggage and cancellation cover and what excess you would pay if you did make a claim. You can filter your results to only show those over a certain limit, if you like.

    To find out more about what is and isn’t included in the policies, click each one for more details.

    Once you have found a travel insurance quote that suits your planned cruise, click the button to go through and buy. But do make sure you read all the details.

    We hope you have a fantastic cruise and have no need to claim, but make sure you have the right cover, just in case


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    Cruise Travel Insurance Comparison #travel #flight #tickets

    #travel insurance comparison

    Other People Are Reading

    Lost Luggage

    Cruise clothing, cameras, computers, sports equipment and electronics are expensive. If your luggage is misdirected or lost, travel insurance can replace your items and compensate for the financial loss. Common carriers, including airlines, cruise ships, buses, ferries and trains, include some coverage in the purchase of your ticket. This coverage is often quite limited and may not cover the value of your items. Travel insurance providers offer additional coverage to cover lost or stolen items. Compare insurance plans to make sure that you have adequate insurance to replace all high ticket items you transport.

    Comprehensive Travel Insurance

    Online insurance providers offer dozens of different policies and add-on options to provide complete comprehensive insurance for persons planning a cruise vacation. Several providers offer up to $1 million in accidental death insurance, coverage for medical emergencies, medical evacuation, lost baggage, flight interruptions and cancellations, as well as for trip disruption for business. Use their interactive tools to find a policy that offers you emotional and financial assurance. Enter the date of departure and return, destinations and the number of people traveling in your group. Special group rates are offered for parties of 10 or more. Most companies offer free coverage for children under the age of 18 traveling with an insured guardian or parent.


    Compare policies by reading the fine print. Determine if there are rules or regulations that limit coverage based on previous conditions, age or gender. Travel insurance companies also offer coverage for high risk sports activities, such as rock climbing, scuba diving, skiing and white water rafting. If activities offered by your cruise line or activities on shore put you at risk, this type of coverage is a prudent purchase.

    Cancellation Protection

    An illness in the family, conflicting business obligations, inclement weather, airline strikes or political unrest can cause you to need to cancel or reschedule your cruise vacation plans. Cruise lines, both large and small, offer insurance packages that will offset the expense of events that can disrupt your travel itinerary. Be sure to read the fine print carefully and ask questions if you do not fully understand the extent and limitations of a policy.


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    Cosco announces more details of OOCL acquisition – Splash 247, cosco


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    July 26th, 2017 Cosco car insuranceJason Jiang Containers, Greater China 0 comments

    Cosco Shipping has announced more details of its recent offer to take over Hong Kong’s OOIL , the parent of OOCL, in a response to the Shanghai Stock Exchange (SSE)’s inquiry.

    SSE sent an inquiry letter to Cosco last week requesting further information on the takeover.

    Cosco said the deal still needs to be reviewed by a number of overseas anti-monopoly authorities and currently the company is collecting information according to the requirements of these authorities to ensure that the deal is approved around the world.

    In order to create maximum operating efficiency and synergies after the takeover of OOIL, Cosco plans to optimise operations in various areas including shipping network, fleet structure, container management, supplier network and information systems.

    Through the fleet and shipping network optimisation, Cosco expects to lower the fleet operation costs by returning extra chartered capacity and phasing out uncompetitive capacity.

    In response to SSE’s concern over OOIL’s listing status on the Hong Kong Stock Exchange (HKSE), Cosco said it will maintain OOIL’s listing on the stock exchange and will take necessary measures to ensure the public shareholding ratio of OOIL meets the requirement of HKSE after the completion of the deal.

    Cosco resumed stock trading on SSE today after it called a trading halt on May 17 with its share price leaping in double digit territory.

    Share this article

    Cosco car insurance

    Jason worked for a number of logistics firms following his English degree, then switched this hands-on experience to writing and has since become one the most prolific writers on the diverse China logistics industry writing for a host of titles including Supply Chain Asia, Cargo Facts and Air Cargo Week. Jason’s access to the biggest shippers with business in China has proved an invaluable source of exclusives.


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    Compare Travel Insurance #air #travels

    #travel insurance comparisons

    Compare Travel Insurance

    Organising travel insurance is an important part of planning your next overseas adventure. Accidents can happen, and medical costs overseas can be expensive. When you are considering purchasing travel insurance it pays to be informed in order to choose the right policy to suit your needs.

    Most people take out an insurance policy in the hope they won t have to use it. That s perfectly natural. Who does want misfortunate to come their way? However, it s often a matter of how you look at insurance. Obtaining insurance is really just keeping yourself and your family protected against unforeseen events – purchasing peace of mind in fact. And when you thoughtfully compare travel insurance to get the best quote you also have the peace of mind you have purchased great value as well as great protection.

    Medical insurance protects you as you travel, so you are not faced with paying what we in New Zealand would regard as obscene amounts of money for medical or dental care or for hospitalisation.

    When you think it through logically, what would happen if you were to fall ill or suffer from an emergency while you were travelling in a foreign country and you had not taken out insurance? Some countries, such as many of the South African nations, insist on cash up front before care is given. Yes, many travellers do turn to our Consulates and Embassies for assistance, but after the emergency is over – you still have to pay the money back!

    The cost of medical attention overseas is far more than you can expect to pay in New Zealand, while medical evacuation back to New Zealand can cost anywhere from $60,000 from nearby regions to in excess of $100,000, depending where you are in the world.

    We Make Choosing Easy

    1Cover NZ offers you a travel insurance comparison that will quickly and easily help you decide what your insurance needs are whether you re a backpacker, a student off to the UK for gap year, a family or a business professional.

    Compare annual travel insurance or single trip details at our online travel quote facility. There you can decide which best suits your needs before obtaining quotes and an online price from other travel insurers. Naturally, all our policies provide extensive, often unlimited, cover for medical and hospital expenses and medical emergencies and evacuation, then you can choose between policies that provide varying levels of protection for luggage and personal effects, travel delay and alternative transport, trip cancellations and far more.

    We invite you to compare travel insurance plans and our online prices today. You will be surprised just how affordable our cover is.

    Compare What s Covered

    It s always important to compare the cover levels for the various possibilities that travel insurance covers you for.

    • Cancellation Cover. We will arrange medical evacuation of seriously ill or injured 1Cover travellers.
    • Overseas Medical Cover. 1Cover has unlimited overseas medical coverage for overseas policies.
    • Luggage and Personal Effects Cover. The 1Cover Travel Insurance comprehensive policy provides cover up to $15,000 for personal effects and luggage whether they are lost, stolen or damaged during your travels.
    • Pre-existing Medical Cover. At 1Cover we cover 34 pre-existing medical conditions automatically (some restrictions may apply).
    • Contactable 24/7. At 1Cover Travel Insurance we have a 24/7 emergency assistance number so call us anywhere at anytime.
    • Activities Covered. With 1Cover Travel Insurance we provide cover for lots of different activities automatically like skiing, snowboarding and bungee jumping.

    Terms and conditions, limits and exclusions apply. Please see PDS for full details.

    Compare Types Of Travel Insurance

    With 1Cover s overseas policies we offer basics, essentials and comprehesive levels of cover.

    • Basics – offers unlimited overseas medical assistance, unlimited emergency medical and hospital expenses as well as $500 of dental cover and $5 million of personal liability cover.
    • Essentials – this product is sold through our call centre and offers cover for everything included in the basics package plus credit card fraud and replacement, luggage and personal effects.
    • Comprehensive – this is the highest level of cover. It includes cover for everything included in essentials and basics but some features at a higher level of cover. It includes $15,000 of luggage and personal effects cover, emergency companion cover, additional accommodation and travel expenses, car hire excess and more.

    We also have single and annual travel insurance policies.

    • Single Trip – covers individual trips up to 12 months in length. This policy can be extended while you are overseas for an extra 12 months.
    • Annual Travel Insurance – covers an unlimited number of trips over a 12 month period. Individual trips can be up to 90 days long.


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    Comparing International Travel Insurance #travel #inn

    #travel insurance comparisons

    Related Articles

    International travel insurance provides a security blanket for all sorts of emergencies when you travel abroad, but not all policies are created equal. Don t just sign up for the first policy you come across. Learn how to compare international travel insurance policies.

    Cancellation Coverage

    The most basic thing an international travel insurance plan should do is cover your losses if you must cancel your trip at the last minute or cut the trip short. Compare plans based on what counts as a valid reason for cancellations and what kind of proof you need to provide to have your claim approved. For instance, will a plan cover you if you have a death in the family but not cover you if you have lost your job and can no longer afford the trip? The thing with last-minute emergencies is that you never know what they will be, so looking for a policy that covers a wide range of approved cancellation reasons is beneficial.

    Medical Coverage

    Medical coverage is usually an optional feature with international travel insurance, though some basic level policies offer some minimal coverage for emergencies. Doctors and travel industry experts alike recommend adding medical coverage, especially if you are going to a remote area or if you are going to be doing activities that could lead to injury, like skiing.

    When comparing medical coverage, evaluate both the coverage and the price. You don t have to buy your travel medical coverage from the same company you are using for your cancellation coverage, so see if that company will give you a deal if you purchase both from them. In terms of medical coverage, find out if you are covered for just emergency room visits or if you are covered for hospital stays. Also, find out what medical issues are covered. If you have a pre-existing condition, verify that medical emergencies associated with that condition are covered.

    Additional Coverage Benefits

    What extras come with the different policies you are evaluating? Do they cover lost luggage? Stolen wallets? Legal issues that arise abroad? Some policies are bare-bones plans while others may have lots of bells and whistles at the same price. Shop around.


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    Compare Travel Insurance Companies #major #travel

    #travel insurance companies

    • Destination

    If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

    Worldwide means anywhere in the world

    Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

    Europe means all European countries, including UK

    Middle East refers to the area from Syria to Yemen; Egypt to Iran

    Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

    Pacific means the South West Pacific, New Zealand and Indonesia/Bali*. Select Pacific for domestic cruises in Australian waters

    Australia means domestic travel within Australia only

    *Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.


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    Compare Travel Insurance Quotes Online – Insurance Hotline #how #to #get

    #travel insurance quotes

    Travel Insurance Quotes for Canadians Simple Hassle Free

    We Help Thousands Of Canadians Each Week With Their Insurance Needs

    At, we specialize in providing Canadians with online travel insurance quotes that are both flexible affordable. In fact, our user friendly quoting process is so easy that it can be completed in as little as 3 minutes. With more than 1 million visitors coming to our quoting engines each year, is able to ensure that you get the best online quoting experience available. That is because we take the time to listen and respond to the feedback of our most valuable asset you the customer. So thank you for taking the time to visit us and we look forward to helping you with your travel insurance needs. We hope you find the experience as easy and pleasurable as the thousands of other Canadians just like you who trust us with their online insurance needs each week. Try us out today and tell us what you think.

    The Right Travel Insurance Protection For You and Your Family


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    Compare Car Insurance, Health Insurance, Travel Insurance – More #travel #insurance

    #travel insurance comparison

    Fuel Comparison

    People comparing every month

    “My car insurer wanted to increase my premiums by $200 when it came to renewal time, so I jumped online to and ended up saving nearly $400!”

    Joanne, Victoria

    “We’re now saving over $100 a month which will come in really handy. It’s nice to know there’s an extra pair of eyes out there searching for the best deal for me.”

    Peta, Queensland

    “ was really easy to use and helped me save nearly $600 a year on my car insurance premiums”

    Nathan, Queensland

    “By comparing you can save some money. It’s freed up our life. By shopping around our family has saved $3000 a year.”

    Elaine, Queensland

    “ helped me save $360 a year on my annual car insurance premiums”

    Jodie, NSW

    “ made it easy for me to compare a wide range of travel insurance policies side by side. I was able to purchase travel insurance with confidence, knowing I’d chosen the right policy for my travel needs”

    Jeanett, NSW

    “I’m now saving over $1000 a year on my health insurance. Congratulations to Compare the Market for providing a great service.”

    Kathy, WA

    “You have a great website; made selecting my travel insurance a snap. A great service in a confusing insurance maze.”

    Brian, NSW

    “Thank you for the massive savings on my car insurance – it went from $935 to $443 for basically the same policy!”


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    Compare Travel Insurance Online & Travel Insurance Quotes #travel #website

    #annual travel insurance comparison

    Compare Travel Insurance

    At InsureandGo we make it easy for you to find and compare travel insurance plans that suit your individual needs. Whether you are travelling alone, as a couple, a family or a group or a senior traveller you will need the right travel insurance policy in case of emergencies.

    Compare our travel insurance options – Find a plan that fits in with your travel plan

    Key benefits of Our Travel Insurance *

    For comprehensive cover at a competitive price, InsureandGo Australia is the place to buy your travel insurance policy

    Want to compare more options?

    Are you travelling more than once this year? Then our annual multi trip travel insurance option will provide comprehensive cover at great value. Learn more about our annual multi trip policy .

    Are you over 65? We have created holiday cover that is tailored for the senior traveller (up to the age of 100). Learn more about seniors travel insurance

    InsureandGo is rated 4.85 stars by 6206  customers.

    ** Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific


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    Maryland Automobile Dealers Association #maryland #automobile #insurance #fund


    Who We Are:

    Maryland Automobile Dealers Association (MADA) is a statewide association of new car and truck dealers managed by a Board of Directors, which consists of members representing districts throughout the State. Individuals in related businesses are eligible and encouraged to join as associate members.

    In 2010, MADA celebrated its 100th Anniversary. We are proud to have served Maryland dealers and our communties for over 100 years and look forward to entering a new century of service.

    Our Mission

    MADA was founded in 1910 as a non-profit trade association for the purpose of: “facilitating the exchange of ideas among its members; to encourage sound business policies; to foster constructive motor vehicle legislation; to discourage destructive motor vehicle legislation, and to promote confidence, respect and good fellowship among all who are directly or indirectly engaged in the motor vehicle industry.”

    The Dealers’ Voice in Annapolis:

    MADA has developed a strong working relationship with members of the Maryland General Assembly, the Motor Vehicle Administration, the Department of the Environment and numerous other state agencies.

    Every year the Association analyzes hundreds of legislative and regulatory proposals and evaluates their impact on the new vehicle industry. Positions on specific legislative and regulatory issues are developed by the Association in cooperation with the dealer members and are presented as a collective view. MADA strives to minimize the impact of government regulations on its dealer members. The Maryland New Car and Truck Dealers Association Political Action Committee (MNCTDA/PAC) plays a significant role in the Association’s legislative program, working to elect candidates whose views most closely mirror those of the new car and truck dealers. In the years ahead, the Association will continue to recommend and support legislation that furthers the interest of the industry that is so vital to the state’s economic well being.

    Public Relations

    Your local new car and truck dealer is a vibrant part of the community in which he/she conducts business. Dealers are civic leaders, philanthropists, sports coaches, and they serve in other valuable roles in their community.

    In addition to the good work dealers� and their employees conduct every year, MADA contributes to a number of charities on the dealers behalf as well. Maryland’s Shock Trauma Center in Baltimore is one of the top recipients of MADA charitable funds. Each year, shock trauma administrators are presented with a check at MADA’s annual press preview for the Baltimore International Auto Show.

    MADA is also a proud sponsor of the Maryland State Teacher of the Year. MADA annually awards the winning teacher with a free vehicle. The teacher of the year is also invited to speak to MADA members at the Annual Meeting and Legislative Reception.


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    Cheap Travel Insurance Quotes & Rates. Compare at #airline #tickets

    #cheapest travel insurance

    Compare cheap travel insurance quotes.

    Democracy for your dollar

    with cheaper Travel Insurance Quotes

    Compare low cost Travel Insurance Quotes at KANETIX and Save an average of 66%*

    Get cheap travel insurance quotes from competing insurers

    Welcome to KANETIX. Our secure, fast and easy online quote comparison service brings Canadian travellers together with the top Canadian travel insurance providers in a one-stop shopping environment to find the cheapest travel medical insurance.

    Cheapest Travel Medical Insurance

    Are you heading for a quick vacation? Or perhaps planning on travelling the world for a few months? Maybe your plan is to lounge on a beach somewhere. Or, if you are an adventurous type, you are planning to rough it in hostels and backpack through Europe, or South America. Or perhaps you are just going to visit some family overseas. No matter what your travel plans, the most secure, quick and easiest way to get the lowest cost travel insurance that you can count on, is through KANETIX. At KANETIX you can compare the most affordable travel insurance quotes from a variety of insurers with an average savings of 66%*.

    KANETIX not only provides the cheapest travel insurance quotes for Canadians, but also enables you to find exactly the right policy designed specifically for your needs like:Canada Super Visa insurance. visitors to Canada insurance and international students travel insurance for those studying in Canada. We’ll help you find senior travel insurance. snowbird travel insurance or different kinds of trip insurance (business, holiday, etc.) online from many of the leading travel insurance companies .

    Travel Insurance Is Vital

    Whether you’re planning to relax the whole time while you are on vacation, or you have your sights set on doing something a bit more adventurous, having travel insurance will give you piece of mind. If you don’t know the merits of travel insurance here are some real-life reasons why you may need travel insurance. Don’t risk being uninsured when the unexpected happens, especially when the most affordable travel insurance policy can be yours in just a few clicks.

    If you need more information about travel insurance, you can read our article Travel Insurance 101 or get a quick introduction to travel medical insurance in Canada to get a more thorough understanding. If you get stuck on any travel insurance key terms, visit our travel insurance glossary or explore other travel related FAQs and answers .

    Travel Insurance Options

    Because your provincial health insurance plan does not fully cover you when travelling within Canada or travelling out-of-country. supplementary health insurance coverage can be obtained with any of the following policies: single-trip travel insurance, multi-trip travel insurance and all-inclusive travel insurance .

    Remember to read the fine print on your policy to find out what you will and won’t be covered for as policies vary from each travel insurance company. If you are planning to travel more than once per year, an annual travel insurance policy may be suitable for you as it could provide emergency medical coverage for every trip you take within 12 months of purchasing your policy. Moreover, a trip cancellation/trip interruption insurance policy can cover any unexpected cancellations during your travels and top-up travel insurance can cover you if your trip outlasts your current travel insurance policy. However in some situations, if you are under the influence of alcohol or drugs, your policy may become invalid for anything that occurs at the time.

    Top 3 Reasons To Get the Cheapest Travel Health Insurance Through KANETIX:

    Reason #1 – For the adventurer in you: It is a good idea to make sure you will be covered for all kinds of potential situations; including extreme activities and sports such as bungee jumping, zip lining, white water rafting, mountain climbing, and snowboarding. conducted a survey in 2007 and they discovered 2 of 3 travelers in the survey went bungee jumping at the spur of the moment without checking if their insurance covered them. Fortunately, you don’t hear many bungee-jumping-in-a-foreign-country stories that end with “splat.” But if you know it’s likely your adventurous side may get the best of you, it’s a good idea to make sure you have cheap travel insurance that covers all kinds of situations, including extreme activities and sports like: bungee jumping, zip lining, white water rafting, mountain climbing, or snowboarding. Even if you are not a risk taker, something as tame as horseback riding could result in an accident, and if it does, you will want to know you are properly and sufficiently covered.

    Reason #2 – In case of the unexpected: Have you ever had to cancel a trip? Have you lost money because you didn’t have insurance to cover cancellations? It isn’t fun. Just recently, a friend had planned to go to visit family in Asia for 2-3 weeks with her boyfriend. They planned the trip, bought the airline tickets ages ago, and had spent about $3000 for flight and accommodations. Two days before they were about to leave, one of them got into a serious car accident and was put in intensive care. They had to cancel their trip. Unfortunately, no refunds or rescheduling options were available with the airlines, and so they lost $3000. While they’re both fine and healthy today, they could have saved $3000 if they had purchased affordable travel insurance with the option of trip cancellation insurance. Unfortunately, in most situations, if you have to cancel a trip, and you don’t have the proper insurance to cover refunds or rescheduling options, you will lose the money you paid towards your trip. Avoid having that happen to you, and get trip cancellation insurance coverage to cover unexpected trip cancellations.

    Reason #3 – Don’t risk your health: No matter how old you are, or how invincible you may feel, you never know what could happen while you’re on vacation. You may have heard horror stories of contracting malaria, breaking limbs, heart attacks, and other unfortunate emergency medical events of tourists overseas. While we like to think ‘it won’t happen to us,’ it’s not a good idea to take the risk. The reality is things can happen, and it is much better to be covered in those situations. You could get something as small as an ear infection or food poisoning, to something as severe as malaria, and wouldn’t you prefer to be covered in those situations, rather than having the possibility of paying huge medical bills out of your own pocket? Medical care in foreign countries is never guaranteed and the costs are often heavy. Getting affordable travel insurance coverage or health insurance coverage now could save you from having to pay hundreds if not thousands of dollars for medical treatment later.

    Travel Insurance InfoCentre

    Looking for more articles, guides and news bytes on travel insurance? Visit our Travel Insurance InfoCentre if you need more advice and information on travel insurance related products. There you will find info on travel insurance tips, policies, coverage, cross-border travel or required travel documents. Learn the essentials of travel insurance to get the comfort you need for a trip you won’t regret.

    Additional Travel Resources

    With the KANETIX Travel Insurance App. you can compare quotes and buy the travel insurance you need right from your smartphone device. You can easily subscribe to reminders for policy renewal, come back to your saved quotes and never again worry about overpaying on your travel insurance coverage. In addition, you can use its travel checklist, search for the hottest destination attractions and keep up-to-date on weather forecasts.

    Make your trip stress-free by using our travel kit. With our travel kit, you can easily email the information you filled out on the travel itinerary. emergency contact information sheet and travel checklist straight to your inbox. You also have the option of printing a wallet-size copy of the travel kit for your convenience during your travels.

    Travel Insurance Resources From The Government Of Canada

    If you need more information about travel insurance for Canadians and travelling abroad, explore the resources the Government of Canada has to offer:

    Travel insurance quotes from KANETIX are available for the following provinces: Ontario, Quebec, Alberta, British Columbia, Saskatchewan, Manitoba, New Brunswick and Nova Scotia. The vast majority of travellers seem to visit us from Calgary, Toronto and Montreal.

    *The average savings found on KANETIX for emergency medical travel insurance for single travellers, age 21 – 54, for single trips of 14 days or less, as compared with the published rates of 3 leading Canadian banks for their equivalent emergency medical travel insurance. Actual savings vary depending on number of travellers, age, trip duration, and coverage selected. Based on research as of September 2, 2015.



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    Cheap Travel Insurance #swiss #travel #service

    #cheap travel insurance

    • Destination

    If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

    Worldwide means anywhere in the world

    Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

    Europe means all European countries, including UK

    Middle East refers to the area from Syria to Yemen; Egypt to Iran

    Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

    Pacific means the South West Pacific, New Zealand and Indonesia/Bali*. Select Pacific for domestic cruises in Australian waters

    Australia means domestic travel within Australia only

    *Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.


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    International Car Insurance #international #car #insurance #usa


    Looking for info on expat insurance?

    International Car Insurance

    If you enjoy driving and value your independence, you’ll want to keep using a car – even when moving to another country, where you may need to get used to different traffic conditions. For expat motorists, car insurance is a big part of staying safe. Read our tips on international policies below!

    Visiting Motorists

    If you are just planning to take your car abroad for a while, e.g. on a preliminary fact-finding trip or extended business travel, your normal insurance policy will often suffice. Contact the insurance provider and ask what their coverage for international travel entails.

    Frequently, international auto insurance policies switch to minimum coverage once you drive abroad. Car insurance for travelers is usually limited to a certain number of days as well. However, by investing a bit more money, most drivers can upgrade their policy for international trips. In other cases, insurance providers at your destination may offer temporary policies for visiting motorists. For example, you can buy short-term car insurance in the UK, but these products require higher premiums than the average quote for local vehicle owners.

    If you cross the border in a motor vehicle, you could be asked at the point of entry to provide proof of insurance. Make sure to find out what the usual basic cover for foreign drivers is and carry your insurance documents with you. Most countries expect both national and international drivers and/or car owners to hold some kind of third-party liability insurance.

    Proof of Insurance and the Green Card System

    Motorists traveling within the EU don’t need proof of car insurance at all. If you register a car in one EU member state and buy the legally required cover, all official policies include basic coverage for other member states by default. Only in case of accident do you have to produce your insurance papers. Though it is no longer mandatory as legal proof within the EU, the so-called Green Card remains the most easily recognized document for international drivers.

    Some other countries still expect foreign drivers to carry such a Green Card as proof of car insurance for border inspections or traffic police. These nations include: Albania, Belarus, Bosnia, Iran, Israel, Macedonia, Moldova, Morocco, Russia, Serbia, Turkey, and Ukraine. If you travel to one of these destinations, ask your local insurance company to issue you a Green Card beforehand.

    Buying Motor Insurance Abroad

    If you actually relocate to another country, things are a little different. If you don’t want to bring along your own vehicle, most company cars or rental vehicles come with an existing insurance policy. However, if you import your own car, an international insurance policy will only be valid for a limited period – e.g. as long as you can keep your foreign license plates, or so long as you are considered a visitor.

    Once you count as a local resident or register your car, you generally need a new quote from a local insurance company. In many countries, third party liability insurance is a legal prerequisite for registering your car with the traffic authorities. For example, in the UK, driving or owning a vehicle without insurance coverage is a criminal offense. Even if the potential consequences are not as drastic as jail time, you should get insurance nonetheless.

    Car Insurance Types

    It’s now time to go auto insurance shopping. Don’t hesitate to contact several companies and compare their quotes and products. Regardless of where you live now, most kinds of car insurance differentiate between two or three policies.

    Third-party coverage pays for all or most damage to other people’s property, as well as treatment of their injuries sustained in an accident you caused. Third party plus extra (e.g. third party plus fire and theft) enables you to file a claim if your car is stolen, or damaged by severe weather conditions and the like. Comprehensive coverage offers – as the name implies – a broad policy that will also reimburse you for having your vehicle repaired if you were responsible for an accident yourself.

    You should always read the fine print and check which provisions a specific quote includes. Will the insurance company pay for a courtesy car? Are your passengers covered too? Do you get money for legal expenses? The list goes on.

    Paying Premiums

    Also find out which factors your premiums depend on. Quotes vary according to…

    • age
    • how many people use the car
    • gender (The EU introduced unisex tariffs in 2012, but other countries might consider young male drivers a risk factor.)
    • deductible (i.e. how much you pay out of your own pocket before filing a claim)
    • where you keep the car over night
    • type of vehicle (e.g. vintage car, sports car)
    • driving experience and insurance record

    The latter can pose a particular problem to expats. Insurance companies aren’t necessarily obliged to take your record from another country into account. But if you haven’t had any accidents back home, it could pay off to contact a potential provider. They may be willing to lower your premiums if you send in an official translation of your old insurance record.

    Last but not least, be aware of when exactly the insurance coverage kicks in and when the premiums are due. In Germany, for example, motorists usually get temporary insurance papers for all travel involved in registering a car (e.g. driving it to the vehicle inspections office). Premiums are paid on an annual basis, but your car insurance company could make an exception and offer quarterly payments, etc.

    Getting Advice

    To compare various quotes for international or local vehicle insurance, contact an independent insurance broker or get in touch with the big national automobile clubs. They often provide their members with special offers for car insurance.

    Automobile associations can also give advice on what to do in case of accident. International drivers should read up on traffic regulations and legal proceedings beforehand. In some places, like the UAE, it’s highly recommended to contact the nearest embassy or consulate immediately when you are involved in an accident. They can provide legal counsel if the police threaten to confiscate your passport or send you to jail until the matter is resolved.



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    Insurance for Apparel and Garment companies – Insurance for Apparel Companies


    Kulchin-Ross is an insurance brokerage that understands the coverage needs of apparel companies. Today, fewer insurance carriers, and fewer insurance brokers are effective serving the garment industry. The demands of international trade, and (for most) foreign source production create a need for highly specialized coverage plans, and agents with the premium volume / ability to handle the larger apparel risk. Domestic manufacturers and distributors also benefit by our broad, any location, insurance benefits.


    Here’s some FREE INFORMATION that can help you, from our Apparel Insurance News.

    Sexual harassment, wrongful termination, and discrimination in the workplace.
    Here’s Risk Management advice you can start using today.

    Fabric Print knock-offs may cause Infringement Lawsuits. Mill suppliers turn to legal
    remedies to enforce their copyrights. Can you risk manage your exposure?
    Here’s one technique.

    It’s a salvage Firesale and your goods are the bargain of the day. A Brands Labels
    clause will protect your reputation. Claims adjusting expert Robb Greenspan
    advises on this serious issue, and a describes a real solution to this dilemma.

    Water Damage and Flood Insurance know how. Here’s why most water
    damage claims (from any cause) are denied, and what you need to know
    to protect your business from being soaked.

    Ocean Cargo – how shoddy packing affects your insurance, and one
    immediate strategy you can use to close this potential gap in coverage.

    Transit Insurance – if your customs broker arranges it on your behalf, but are you
    really protected? Here’s how to take charge of this important policy yourself.

    Contractor’s fire insurance often missing.Not surprised?
    You can still protect your business.

    Why the True Cost of Workers’ Comp injuries is so high. Why these
    hidden or indirect costs often outweigh the direct costs by 10 to 1.

    Infringement Defense Insurance – Trademark, and Copyright lawsuits, and
    the insurance that can protect your business.

    Preventing Cargo Theft Cargo Theft is estimated to cost the U.S.
    $20 – $30 billion a year according to the FBI. Take steps now to reduce
    the risk that your business may become another victim., (a division of Kulchin Ross Insurance Services, Inc.) offers flexible worldwide insurance protection. We service the full array of apparel insurance programs, including:




    WORKERS’ COMPENSATION – All 50 states, retrospective and guaranteed cost plans represented.





    A and A+ / Admitted Carriers represented.

    Protect your assets, and hold the bottom line.

    Industry veterans and new ventures alike will appreciate our attentive service and competitive rates. We relentlessly pursue the insurance programs, and carriers that offer coverage plans that benefit your enterprise. Founded on the premise that our customers’ needs come before all else, Kulchin Ross Insurance Services is committed to your satisfaction. We are a based in Tarzana, CA, and insurance agent / founder Bill Kulchin has been serving business and industry since 1985.We are an independently owned, full service insurance brokerage.

    Call today for a free no obligation estimate.

    c/o Kulchin Ross Insurance Services, LLC

    18757 Burbank Blvd. Suite 320

    Tarzana, CA 91356

    CA Lic. # OI 67833


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    State Farm Insurance Devin Sothan – Offering Home, Life, Auto Insurance,


    Devin Sothan Ins Agency Inc

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    N.E.Corner of I-17 and Carefree Hwy (across street from The Good Egg)

    • Professional Designations:ChFC®, CLU®, CPCU®
    • Serving State Farm customers for over 30 years
    • Office focuses on Relocations to AZ
    • University of Kentucky – B.B.A.
    • Graduate of Paradise Valley High School, Class of 1981
    • Chartered Financial Consultant
    • Chartered Life Underwriter
    • Chartered Property Casualty Underwriter
    • North Phoenix Chamber of Commerce
    • National Association of Insurance & Financial Advisors
    • Married, with two teenage daughters

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    State Farm Bank, F.S.B., Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

    State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

    Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.


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    Medicare card – Australian Government Department of Human Services #how #to


    Medicare card

    You must live in Australia or Norfolk Island to get a Medicare card. And, you must be either:

    • an Australian citizen
    • a New Zealand citizen
    • an Australian permanent resident
    • applying for permanent residency – conditions apply
    • covered by a Ministerial Order, or
    • a Resident Return visa holder

    You may also get a Medicare card if you re visiting from a Reciprocal Health Care Agreement country.

    If you live on an Australian dependency island

    You re eligible for Medicare services you get in Australia if you can give us evidence you re a citizen or permanent resident of:

    • Cocos (Keeling) Islands
    • Christmas Island
    • Lord Howe Island

    What may be different

    If you live in Australia and have applied for permanent residency, you may get a Medicare card. This doesn t include applying for a parent visa. You must:

    • be on a visa allowing you to work, or
    • prove your parent, spouse or child is an Australian citizen, permanent resident, or a New Zealand citizen living in Australia

    You adopt a child from overseas

    If you adopt a child from overseas, you can add them to your card if:

    • they hold a permanent resident visa, and
    • you have a letter proving the adoption is finalised

    You adopt a child from Australia

    If you adopt a child from Australia, you can add them to your card if:

    • you have their birth certificate, and
    • a letter proving the adoption is finalised, and
    • your Medicare card

    You may get a Medicare card if you visit Australia.

    We have agreements with some countries to cover your essential health care during your stay.

    You may be eligible if you live in a country that Australia has an agreement with.

    You can have your own Medicare card if you re aged 15 years or older.

    What you need to do

    Submit this at a service centre and bring either your:

    • birth certificate
    • current driver s licence
    • current passport
    • non commemorative marriage certificate
    • current Australian school or educational photo ID, or
    • proof of age card

    Once you get your Medicare card, create a Medicare online account through myGov and download the Express Plus Medicare mobile app to access a range of services using a secure digital channel.

    To add your baby under 12 months old to your Medicare card, you’ll need to submit a form.

    You can use your Medicare card:

    • to make a claim for Medicare benefits:
      • when visiting a doctor who submits the claim on your behalf
      • when you have a paid or unpaid doctor s account and you need to submit it yourself:
        • use online services such as myGov and Medicare Express App
        • visit a service centre
        • send by mail
    • when you re treated as a public patient in a public hospital
    • to get cheaper Pharmaceutical Benefits Scheme medicines at a pharmacy

    Your Medicare card must be current to claim benefits. We ll replace your card before it expires. Make sure we have your current details so we can send your new Medicare card to you.

    Destroy your old card when you get your new one. We ll cancel your old card when we issue your new card.

    You can update your address, contact details and bank account online. To change your name, date of birth or gender, you need to visit a Medicare Service Centre.

    If your Medicare card gets lost, stolen or damaged you can:

    Sign your letter and include:

    If you re overseas, we can t replace your card until you return.

    We can t replace your card until you came back to Australia to live if you re:

    • an Australian citizen who s overseas for more than 5 years
    • an Australian permanent resident or New Zealand citizen who s overseas for more than 12 months

    A duplicate card is a copy of your current Medicare card with the same details.

    We provide duplicate cards when more than 1 family member needs their own card. We can only issue 1 duplicate card.

    We can t issue a duplicate card when you re the only person on the Medicare card.

    You can ask for a duplicate card by:

    We ll send you a new Medicare card about 4 weeks before your current card expires.

    Keep your address details up to date

    Update your details if you ve changed your address. If you don t and your card expires, your card will go to your previous address and you ll need to request a replacement card.

    • update your address details and request a replacement card online using your Medicare online account or Express Plus Medicare mobile app
    • call the Medicare line we ll confirm your identity over the phone
    • visit a service centre with identity documents such as your driver s licence
    • write to us and send a signed request for a replacement card and certified copy of identification, such as your driver s licence

    If your card has expired

    If your card expired 6 months ago or more, visit a service centre to request a replacement. You ll need an identity document, such as your driver s licence. You may also need to show evidence you re living in Australia. You should also bring 2 documents to prove you live in Australia like a utility bill, rental agreement or employment contract.

    If you re overseas

    If you re overseas, we can t replace your card until you return.

    We can t replace your card until you came back to Australia to live if you re:

    • an Australian citizen who s overseas for more than 5 years
    • an Australian permanent resident or New Zealand citizen who s overseas for more than 12 months


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    How can I avoid paying private mortgage insurance (PMI)? #how #to


    How can I avoid paying private mortgage insurance (PMI)?

    93 % of people found this answer helpful

    Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure. and allows buyers who cannot make a significant down payment (or those who choose to not to) to obtain mortgage financing at affordable rates. If you purchase a home and put down less than 20%, your lender will probably minimize its risk by requiring you to buy insurance from a PMI company prior to signing off on the loan.

    One way to avoid paying PMI is to make a down payment that is equal to at least 20% of the purchase price of the home. If your new home costs $180,000, for example, you would need to put down at least $36,000 to avoid paying PMI. While that s the simplest way to avoid PMI. a down payment that size may not be feasible.

    Another option for qualified borrowers is a piggyback mortgage. In this situation, a second mortgage or home equity loan is taken out at the same time as the first mortgage. With an 80-10-10 piggyback mortgage, for example, 80% of the purchase price is covered by the first mortgage, 10% is covered by the second loan, and the final 10% is covered by your down payment. This lowers the loan-to-value (LTV) of the first mortgage to under 80%, eliminating the need for PMI. For example, if your new home costs $180,000, your first mortgage would be $144,000, the second mortgage would be $18,000, and your down payment would be $18,000.

    A final option is lender-paid mortgage insurance (LMPI) where the cost of the PMI is included in the mortgage interest rate for the life of the loan. Therefore, you may end up paying more in interest over the life of the loan.

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    MiCSC – Insurance Rates, disability insurance rates.#Disability #insurance #rates


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    1. MiCSC
    2. Employee Benefits
    3. Insurance Rates

    • BI-WEEKLY Health, Dental, Vision, and Life Insurance Rates – NERE and Bargaining Units MSEA, UAW & SEIU Local 517M, Judicial Branch, and Non-Represented (Z60-Z89) Disability insurance rates
    • ANNUAL Health, Dental, Vision, and Life Insurance Rates – NERE and Bargaining Units MSEA, UAW & SEIU Local 517M, Judicial Branch, and Non-Represented (Z60-Z89) Disability insurance rates
    • PART-TIME Health, Dental, Vision, and Life Insurance Rates – NERE and Bargaining Units MSEA, UAW & SEIU Local 517M, Judicial Branch, and Non-Represented (Z60-Z89) Disability insurance rates
    • COBRA Rates
    • Long Term Disability (LTD) Insurance RatesDisability insurance rates
    • Defined Contribution Participants with the Graded Premium Subsidy Disability insurance rates
    • BI-WEEKLY MSPTA (T01) Health, Dental, Vision and Life Insurance Rates Disability insurance rates
    • ANNUAL MSPTA (T01) Health, Dental, Vision and Life Insurance Rates Disability insurance rates
    • 2017-2018 State Police Retiree – Health, Dental, and Vision Insurance RatesDisability insurance rates
    • 2017-2018 COBRA Retiree – Health, Dental, and Vision Insurance RatesDisability insurance rates
    • 2017-2018 Retiree – Health, Dental, and Vision Insurance Rates (These rates do not apply to Judges)Disability insurance rates

    Rates For 2016-2017

    • MI HR Self-Service Gateway
    • Job Specifications/Pay
    • Compensation Plan
    • MCSC Phone Book
    • State of MI Workforce Reports
    • ADA Complaint Process & FormDisability insurance rates
    • MCSC Forms
    • Registration for Veterans’ Preference
    • State Officers Compensation Commission
    • Military Leave
    • Retiree Information
    • Michigan Education Trust

    Disability insurance rates

    Disability insurance rates Disability insurance rates Disability insurance rates


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    Forethought Medicare Supplements #forethought #supplemental #insurance


    Forethought Medicare Supplements

    Important Update, 2015: Forethought no longer sells Medicare Supplement plans. Because it is a closed block of business, rates will not be as stable moving forward. It is advisable to compare other options that are still in this business. Get a listing of other options sent by email at Medicare Supplement Comparison .

    Forethought Medicare Supplement plans are one of the newer entries to the Medicare Supplement marketplace. Their plans are available in many states already with more to be added later. As of the start of 2011, the states that Forethought Medicare Supplements are available in are: GA, IL, IN, IA, KY, LA, MN, MS, NE, NV, NC, ND, OH, OK, SC, SD, TN, TX, UT, VA, and WV (some states are still pending Department of Insurance approval). In many of these states, they have come into the marketplace as one of, if not THE, lowest price plans available. Keep in mind that Medicare Supplement coverage is standardized from company to company so there is no variation in the coverage with a like plan (i.e. one Plan F is the exact same as another Plan F ).

    Forethought Medigap Quotes

    Forethought Medicare Supplements What Plans are Offered?

    As reiterated above, all Medicare Supplements provide the standardized Medigap coverage, including Forethought s plans. There are several options to choose from (see below). To see a full chart that shows what all of the Medicare Supplement plans cover, go to: Medigap coverage chart. Forethought offers several of the standardized plans in each state. Below reflects which plans are offered in most states (can vary slightly from state to state, depending on state requirements contact us for exact information about which plans are offered in your state).

    • Forethought offers the Medigap Plan F. which is the most common and comprehensive Medigap plan. With this plan, there are no out of pocket co-pays, deductibles or coinsurance at the doctor or hospital.
    • They also offer Medigap Plan G. This plan does not cover the Medicare Part B deductible ($162/year for 2011); however, it has lower premiums and is, in many cases, a better value.
    • Forethought also offers Medicare Supplement Plan N. which is one of the newer Medicare Supplement plans. This plan has some small cost-sharing ($20 doctor s office co-pay, $50 emergency room co-pay) in exchange for lower premiums. Additionally, it doesn t cover the Medicare Part B deductible, which is $162 for the year 2011.

    Who Should Consider Forethought Medicare Supplements?

    Forethought Medicare Supplements are a great fit for many people and many situations. Here are a few:

    • People who understand the standardization of plans and don t want to pay extra for a company s name , when they can get equal coverage from an A rated company with lower rates.
    • People who want predictable out of pocket expenses that don t change from year-to-year.
    • People who want full coverage at the doctor/hospital with little, or no, out of pocket expenses (Plan F)
    • People who are losing their Advantage plan coverage or leaving or losing employer group coverage. The changes in these two marketplaces in 2010 and 2011 has caused many people to be looking for Medicare Supplement insurance, and Forethought is a great option.

    If I Want More Information about Forethought Medicare Supplements, What Is My Next Step?

    Contrary to common belief, you can sign up for a Medicare Supplement plan (any plan) any time of the year. There are no special enrollment periods this only applies to Medicare Part D and Medicare Advantage plans. So, if Forethought Medicare supplement insurance is a fit for you, whether you are turning 65 or just looking to save some money on a higher-priced plan, contact us. We recommend getting a full rate quote comparison of plans available for your age and zip code (from Forethought and other companies), and as an independent agency, we can provide that information.

    To get quotes on the plan or more information, go to Forethought Medicare supplement quotes or you can reach us by phone toll-free at 877.506.3378.

    We look forward to helping you compare plans and serving your Medicare Supplement insurance comparison needs.


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