Insurance Articles

Finance » Insurance | By Uchenna Ani-Okoye @ Saturday, 7th June 2008 @ 3:54 PM

Only a few 'health insurance' programs are wellness insurance. Choosing the health insurance plan with the best coverage health insurance contracts may be the most complex of the insurance policies purchased by the average family. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn't even know was possible. The handling of the premiums for life, accident and health insurance, and for ... more...

Finance » Insurance | By Joseph Kenny @ Saturday, 7th June 2008 @ 8:31 AM

What type of life insurance coverage do you have? For many people the answer to this question is none. Millions of Americans fail to obtain even a basic life insurance policy each year and many of these people pass away leaving the financial burden of their final expenses on their loved ones. It may be that they did not mean to postpone getting any coverage. Often they would have purchased an insurance policy, but didn't because they weren't sure how to go about it. There a... more...

Finance » Insurance | By Jim Pretin @ Friday, 6th June 2008 @ 3:41 PM

Life insurance is a means for providing financial protection for your family in the event of your death. A life insurance contract is relatively straightforward; you agree to pay a premium at regular intervals, and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death. There are three parties to a life insurance contract. First, there is the insured. This is the person whose life is being insured under the policy. Next, there is the insurer. The in... more...

Finance » Insurance | By Uchenna Ani-Okoye @ Friday, 6th June 2008 @ 3:04 PM

Health insurance you are lucky you have health insurance. Similarly-crafted policies need to also address the growing number of workers in contract, freelance, self-employed, and full-time positions, in which benefits are self-provided through individual health insurance plans. Do not assume that any health insurance through your employer will be good enough for you. What is 'high risk health insurance'? Health insurance is for ill-health issues. Unfortunately, unless prescribed... more...

Finance » Insurance | By Uchenna Ani-Okoye @ Friday, 6th June 2008 @ 2:55 PM

When comparing individual health insurance quotes in the marketplace it is very important that you are comparing plans that have similar policy benefits. Ask about the limitations of the health insurance coverage as well as the deductibles. Additionally, 14 percent of Ohio residents under the age of sixty-five did not have health insurance during 2005. Unlike most of your employed counterparts, there is no employer subsidy for your health insurance. Contacting a benefits insurance... more...

Finance » Insurance | By Uchenna Ani-Okoye @ Friday, 6th June 2008 @ 2:53 PM

Aside from the self-insured/uninsured plan and the managed health care plan there is still one more form of health insurance coverage that can be obtained by consumers who have a little more money that they wish to spend on their health insurance coverage. Screening will save a huge amount of lives but researchers already raise economic concerns regarding the medical health care; it may be possible that future agencies will deny the right to a health insurance just on the reason that a c... more...

Finance » Insurance | By Ranju Kumar @ Thursday, 5th June 2008 @ 8:11 PM

To combat fraud, many insurance companies are getting tougher on claims submitted by consumers. But while some insurers delay payment to raise justifiable questions about claims, others drag their feet or deny payment for no apparent reason. Here are the most common excuses insurance companies give when limiting or denying auto, home and health insurance claims - and the best ways to fight back... AUTO INSURANCE *"Your car isn't worth as much as you say it is... more...

Finance » Insurance | By Ranju Kumar @ Thursday, 5th June 2008 @ 6:52 PM

The average annual cost of nursing home care is about $74,000, yet only 10% of Americans age 65 and above have long-term-care (LTC) insurance to cover this big expense. How to find an affordable Policy... THREE WAYS TO SAVE *Choose a firm that has staying power. More than 100 companies sell LTC insurance, but only a few have done so for at least 15 years without increasing the premiums. Though premiums can increase with state regulatory approval, many firms have a history of stable... more...

Finance » Insurance | By Ranju Kumar @ Thursday, 5th June 2008 @ 6:45 PM

The cost of insuring a car rose by 44% between 1987 and 1994. Premiums in some states have soared by more than 75%. Rates for insuring those big, bold sport utility vehicles - that are dangerous to others and themselves - are expected to rise even higher. Here are my strategies to hold down the cost of premiums... *Get price quotes every few years. One third of all drivers report that it has been at least six years since they shopped for a new policy. Another 20% said they never s... more...

Finance » Insurance | By Ranju Kumar @ Thursday, 5th June 2008 @ 6:38 PM

Don't confuse the market value of your house with rebuilding costs. The land under your house isn't at risk from theft, windstorm, fire and the other hazards covered in your homeowner's policy. So don't include its value in deciding how much homeowners insurance to buy. Just as an example, let's say that your house has a current market value of $250,000. Of that price, perhaps $100,000 may be directly related to the value of the land, while the remaining $150,000 ... more...

Finance » Insurance | By Laura Buckley @ Thursday, 5th June 2008 @ 5:03 PM

We're all looking for ways to reduce the cost of those ever rising car insurance premiums. But have you ever wondered if it is ever possible and do your efforts really work? Apparently so because many major insurance companies will lower your rate if you haven't had an accident or been ticketed in the past three to five years. Obviously the first important tip is to advise you that you should always drive as though you have several infants in your car. You know how careful you a... more...

Finance » Insurance | By Rob Lamper @ Thursday, 5th June 2008 @ 10:39 AM

We never know just what we will have to pay out for next on our most precious of possessions - our home; none of us know what is going to happen tomorrow but that does not mean we cannot be prepared. Other threats of course come from people in the form of arson or vandalism caused when a burglar doesn't find what they are looking for, and sometimes even when they do. Homeowners insurance is a contract between a homeowner and an insurance company where you agree to pay the premiums, and the ... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 6:30 AM

Very few American homeowners are anxious to purchase homeowner's insurance for a simple fact: it can be highly expensive. The United States market is currently offering very high home insurance rates. This can be a major roadblock for people really want coverage but cannot afford the level of coverage they desire to have. Yet, it is not all hopeless. There are some tips that you can employ to find affordable homeowner's insurance, at reasonable rates. Before you can use these ti... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 6:21 AM

What are some of the reasons why your life insurance premiums are on the rise? Unfortunately, there are many factors to blame. If you have good health and live reasonable lifestyles, your life insurance is generally low cost. Yet, when these two conditions are changed or not present for whatever reason, you will wind up paying more for your life insurance premiums. At this time, it may be helpful to look at these factors a little more in depth, so you can see how they will cause you to pay more ... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 6:19 AM

Knowing what type of car insurance coverage need is not always a simple matter. What makes it difficult for car owners is the fact they just don't know one form of coverage from another. They have not take the appropriate time to learn what sort of coverage is offered by individual car insurance companies and do not know much about even the basic form of car insurance coverage. This can be a big problem when you are searching for car insurance quotes because you need to establish a new poli... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 6:00 AM

If you are considering homeowners insurance, it should become obvious very quickly that you need to determine how much coverage you will need. This will require that you really examine your situation and learn what you can about every aspect of home insurance for your area that you can. There are some differences depending upon what region of the country you live. Let's learn more about homeowner's insurance. Basically, you need to know what the approximate cost of replacing you... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 5:59 AM

The purpose of life insurance is to provide protection for your family and other dependents that look to you for financial stability, as the primary earner. One form of insurance called term life insurance is the first form of life insurance to be developed. Though there are now more elaborate forms of insurance coverage with extra incentives attached, term life simply provides protection without accrue extra cash value like whole life insurance, and different forms of universal life insu... more...

Finance » Insurance | By Joseph Kenny @ Thursday, 5th June 2008 @ 5:58 AM

Since it is closely related to home insurance, renters insurance is something that is unfortunately less of a priority than the other. It is an often neglected form of protection for those who rent an apartment or a house. If it not neglected, renters insurance is simply not as widely known in some areas. Many renters may not even know that such insurance coverage is available for them and their particular housing situations. Renters insurance is there to provide protection of the renter&... more...

Finance » Insurance | By Jon Thomas @ Wednesday, 4th June 2008 @ 2:35 AM

Seniors searching for life insurance are often confounded by the array of products available. Whole life, Universal, Term? One thing is clear, however, and that is the obvious-sky high premiums. Many seniors choose to get diluted coverage because of the premium expense, or forego life insurance completely instead of purchasing this asset, which might be extremely worthwhile for their families. The cost of providing for their loved ones is just too high to bear during retirement years. ... more...

Finance » Insurance | By Ray Baker @ Tuesday, 3rd June 2008 @ 10:41 PM

If you have just recently paid your insurance agent for your car insurance, and the price had increased again, you only have yourself to blame! You could have saved yourself hundreds of dollars with just one phone call plus about one hour research. If you use the same insurance agent every year, chances are your premiums will rise every year. We've come to expect the premiums to increase, but it doesn't have to be that way. Let me introduce you to apathy - apathy is your insura... more...