Insurance Articles

Finance » Insurance | By Christina Costa @ Tuesday, 3rd June 2008 @ 9:35 PM

Life insurance has a vocabulary all its own. Some insurance terms might sound familiar, but have a different meaning when used in the life insurance world. The following glossary provides insurance terms and life insurance definitions to help you speak the "language of life." There are basically two types of life insurance, Universal Life and Term Life. Term Life This is the simplest form of life and the most popular. It is intended to provide large amount insura... more...

Finance » Insurance | By Helen Hecker @ Tuesday, 3rd June 2008 @ 5:37 PM

If you're looking for the best low cost health insurance plan you can easily find it in today's marketplace. In some, but not all, cases it may depend on how much you're willing to risk. The cost can vary from state to state, no matter if it's California, Texas, Florida or any other state, but there are some things to consider when paying less or getting cheaper health insurance whether it's an individual, group or family plan. I'll cover a few tips here. Y... more...

Finance » Insurance | By Christina Costa @ Monday, 2nd June 2008 @ 2:02 PM

Many people think insurance is a waste of money, while others believe in over insuring themselves. This brings up the question, "Why buy insurance?" Most people actually hate the idea of paying for insurance, since the odds of actually needed it are pretty low. You pay monthly to something in the event that you might need it one day. Insurance itself comes in many forms such as auto insurance, homeowners insurance, life insurance, health insurance, renters insurance and many, many... more...

Finance » Insurance | By Amy Nutt @ Monday, 2nd June 2008 @ 9:40 AM

At first glance, you might think that liability car insurance is the most important aspect of insuring your car simply because it's the one that's required by most states. Of course there's a good reason that this type of insurance is so crucial and that's because liability insurance covers you against the legal responsibilities that you have in the event that you damage a person or their property as the result of an automobile accident. There are two distinct division... more...

Finance » Insurance | By Ranju Kumar @ Monday, 2nd June 2008 @ 1:30 AM

The new law makes it much more difficult to protect a family's wealth while having the government pay long-term nursing home costs for a family member through Medicaid. What you need to know... THE TRUTH ABOUT MEDICARE Surveys show that most people greatly underestimate their risk of needing nursing home care someday. The cost of such care already is extremely high, close to or exceeding $100,000 per year in many parts of the country and rising steadily. Over a period of years... more...

Finance » Insurance | By John Hilaire @ Sunday, 1st June 2008 @ 12:47 PM

Auto insurance is something everyone is supposed to have. In fact, without insurance people are breaking the law if they drive without it. For some younger families, finding affordable auto insurance is hard. For those people who are retired and are living on a fixed income, money is already tight. It can sometimes put people in such a situation that they might not be able to pay some of their bills or even medicines that they should be taking. Finding affordable car insurance should be ... more...

Finance » Insurance | By Rob Lamper @ Saturday, 31st May 2008 @ 12:46 PM

There are many companies available that provide and even specialize in antique car insurance as the number of enthusiasts in this area increases. By having a variety of auto insurance companies to choose from, the classic car owner can choose the right type of insurance for their needs. With all this choice they should find something that meets their needs within the budget they have set. Many commercial auto insurers now provide protection for an antique car, these plans reflect the spec... more...

Finance » Insurance | By Ranju Kumar @ Saturday, 31st May 2008 @ 10:25 AM

When most people set out to buy life insurance, they choose either a term or cash-value policy. But policy choices and strategies are much, much more diverse today. Here are some strategies to consider.. L0WERING THE COST OF INSURANCE *Combination of term and cash-value policies. Buying both types of policies is ideal when an individual or family wants a large amount of coverage and the savings benefit of a cash-value policy, but can't afford the high premiums. ... more...

Finance » Insurance | By Catherine Harvey @ Friday, 30th May 2008 @ 9:40 PM

The British public have lost so much faith in the NHS system over the last few years that more and more people are turning to private health insurance as a way of covering themselves against future illness. And is it any wonder when you look at the state of our health service? Every day's press will bring a horror story of someone's ill treatment at the hands of the NHS. This isn't simply scaremongering - these things really happen and there is a lot more that goes on that isn... more...

Finance » Insurance | By Jerry Leung @ Friday, 30th May 2008 @ 1:32 AM

You will need health insurance to protect you from the costs of medical care. Of course the extent you can be protected depends on your policy. To this end you will need to consider a lot of various factors when you are seeking for your health insurance. You have to consider these factors carefully so that you can make sure that the health insurance policy will be the most suitable for you. In most cases, a health insurance will cover the expenses of staying in hospital, medications and s... more...

Finance » Insurance | By Amy Nutt @ Monday, 26th May 2008 @ 10:57 PM

It cannot be emphasized enough how important car insurance is. It is that layer of protection that protects you in the case you are in an accident with an uninsured driver or you are cited to be at fault for the accident. However, what it protects you from is being responsible for your own medical and property damage costs when the other driver is uninsured and also protects you from a lawsuit if you are judged to be at fault for the accident. There are two types of insurance that you will becom... more...

Finance » Insurance | By Amy Nutt @ Sunday, 25th May 2008 @ 10:57 PM

If you own a home, you should have homeowner's insurance and, if you own a car, you should have auto insurance as well. Both of these items are necessary to protect you against many of the damages that may occur. This is so you do not have to pay significant out-of-pocket expenses for damages that may occur to your home as a result of a break-in, a natural disaster, or even fire. As for your car, you do not want to lose your hard earned assets in a lawsuit if you are cited to be at ... more...

Finance » Insurance | By Jeffry Evans @ Sunday, 25th May 2008 @ 5:47 PM

AD&D Insurance, also called Accidental Death and Dismemberment Insurance, is additional insurance which provides benefits for certain injuries and death due to an accident. It is designed to pay out a large financial benefit to you in the event of a dismemberment (which can include either loss of limb or of sight), or to pay your beneficiary in the cause of an accidental death. AD&D Insurance is typically provided at no cost for some regular life insurance policies, and some companies pro... more...

Finance » Insurance | By Jerry Leung @ Sunday, 25th May 2008 @ 4:44 PM

You will certainly need to purchase health insurance. This is because you will need some kind of insurance to protect you from the expenses on your medical care services. You may need to spend a lot of money in medications if you do not purchase any health insurance. Although it is a must for you to purchase health insurance, you might want to get the best deal when you are purchasing it. You will need to research and compare various options thoroughly when you are seeking for your health... more...

Finance » Insurance | By Anna Stenning @ Friday, 23rd May 2008 @ 12:50 PM

Getting bike insurance can cause some people a bit of stress and confusion, especially if they have bought a motorbike for the first time. The confusion can come from all of the quotes and offers you will receive when selecting the right insurance company. Deciding on the offer is dependent upon your needs and the kind of bike you have. In addition, how much the insurance costs is affected by how long you have been riding a motorcycle for. All bike insurance, unfortunately, will charge yo... more...

Finance » Insurance | By Catherine Harvey @ Thursday, 22nd May 2008 @ 2:42 PM

With the crackdown on spending in all Government sectors including the NHS it is vital that we all look after ourselves. Taking out private health insurance is something that more and more people are considering because they are losing faith in the national health system. They also cannot afford time off work with chronic illnesses when private health insurance would see them in hospital, treated and back out at work quite swiftly. This would not happen if you joined one of the long waiting list... more...

Finance » Insurance | By Abbi Rouse @ Thursday, 22nd May 2008 @ 9:41 AM

The Association of British Travel Agents (ABTA) has said that while purchasing travel insurance may be viewed as an additional expense for those planning already expensive holidays, taking out adequate protection is an essential course of action for those booking a trip away. According to Sean Tipton, press officer at the organisation, travelling abroad either on business or pleasure without first taking out insurance would be "extremely foolish". He added that the risks associate... more...

Finance » Insurance | By Amy Nutt @ Thursday, 22nd May 2008 @ 5:40 AM

Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault. There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to p... more...

Finance » Insurance | By Mark Dawson @ Wednesday, 21st May 2008 @ 10:46 PM

It is important for motorists to be fully aware of the terms and conditions of their motor insurance policies, it has been suggested. Research carried out by swiftcover reveals that a significant number of British drivers could be unwittingly putting themselves under financial pressure due to a lack of comprehension about what is and what is not covered by their insurance. In the company's study more than a third of motorists were shown to be unaware of the effects of underrat... more...

Finance » Insurance | By Mark Dawson @ Wednesday, 21st May 2008 @ 2:57 PM

Despite their thoughts to the contrary, a lack of insurance may mean that many Britons are out of pocket when paying for treatment to their pet. In a study carried out by Sainsbury's Finance, it was revealed that some 11 million consumers do not have an insurance policy in place to cover their dog or cat. Out of such people, one in ten reported that they view getting a premium as being too much of a financial burden to warrant purchasing. Six per cent of those surveyed - equating to ... more...