Insurance Articles

Finance » Insurance | By Abbi Rouse @ Friday, 5th September 2008 @ 4:44 AM

Law-abiding motorists throughout the UK are being hit with inflated car insurance premiums because of the growing number of motorists trying to get away with driving without insurance. Such is the claim of Graeme Trudgill, the technical and corporate affairs executive at the British Insurance Brokers' Association. In recent comments, he informed motorists that they are commonly spending an additional 30 pounds on their annual insurance policy to cover costs incurred by uninsured moto... more...

Finance » Insurance | By Jeff Williamson @ Thursday, 4th September 2008 @ 4:57 PM

We see commercials for car insurance every day and the insurance business is booming, but if you are new to buying insurance or are looking to find a new company to work with the process of finding a good car insurance agent can be tough. You need to find someone who you can trust, will listen to your needs and understand what you are looking for, not someone who is trying to sell you on every bell and whistle a company offers. If you are intimidated by the process of finding a new agent, here a... more...

Finance » Insurance | By Jeff Williamson @ Wednesday, 3rd September 2008 @ 7:04 AM

These days gas is as expensive as ever, food prices are rising and people are struggling to keep their homes. The last thing we should worry about is saving money on car insurance. Here are some tips for saving money on your car insurance. See If You Can Find A Better Rate Elsewhere How often do you see car insurance commercials? They're on TV pretty much every other ad right? Well the reason for that is that car insurance companies are ultra competitive, and they are all figh... more...

Finance » Insurance | By Catherine Harvey @ Wednesday, 3rd September 2008 @ 4:14 AM

Air travel has become an everyday occurrence and air travel is rarely thought of as a risk. That said, latest figures suggest that, on average, one thousand people per year die worldwide through aviation disasters. Add to this the one and a half thousand people that die in light aircraft, business jets and helicopters and the risk is propelled into the arena a little more forcefully. Of course, this does have to be balanced in some proportion to the fact that hundreds of flights with thousands o... more...

Finance » Insurance | By Laura Buckley @ Tuesday, 2nd September 2008 @ 9:32 AM

After a while you have to start wondering if your insurance premiums will ever diminish especially after a DUI, and stop increasing. I know we all just sit and wait year after year hoping it will just happen. I don't think we can take for granted that just because we are good drivers that it will happen automatically. We have to take the initiative and start the process of reducing premiums ourselves. The renewal discount is probably the most common of the rate reduction that... more...

Finance » Insurance | By Stuart Brown @ Tuesday, 2nd September 2008 @ 12:38 AM

Professional liability insurance is a necessity if you are working in certain fields. Doctors, other medical professionals, lawyers and others need this protection against lawsuits. No matter how well you perform your professional duties, there is still a chance that you will be sued. Even unfounded suits require the expenditure of time and money that you cannot necessarily spare. As the incidence of lawsuits continues to increase, so does the need for liability insurance to protect your... more...

Finance » Insurance | By Allen Bohart @ Monday, 1st September 2008 @ 12:14 PM

Health insurance has become one of the largest monthly expenses for the vast majority of Americans. Not only has it become quite expensive, but for many, health insurance isn't even available because they simply don't make enough money to fit health insurance into the budget. This has left hundreds of thousands of Americans without adequate health coverage, including many children. For these reasons, health insurance has also become one of the biggest concerns for most people in the co... more...

Finance » Insurance | By Josie Olson @ Monday, 1st September 2008 @ 1:12 AM

There are obvious ways to cut home insurance costs. Here are 4 things you may not have thought of. 1. Prepare for Disaster Ask your agent if you can save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage. Systems older than ... more...

Finance » Insurance | By Allen Bohart @ Saturday, 30th August 2008 @ 11:42 AM

We don't often think about the prices we are paying for insurance except when we are initially shopping for it. During economic hard times such as these, though, it may just pay to take a closer look at what you are paying out each month for the various insurance policies you have. One possible way to save money on your insurance is to consider bundling your policies through a single company. Many insurance companies now offer considerable savings to homeowners who choose to purchase... more...

Finance » Insurance | By MIKE SELVON @ Thursday, 28th August 2008 @ 9:08 PM

Unfortunately, many backpackers travel insurance policies often fail to cover the activities that backpackers enjoy. Backpacking and many popular backpacking destinations may offer travel and adventure, but not if you are relying on a basic insurance policy for medical care or replacement of belongings. Standard travel policies effectively place limits on the activities you can take part in, as well as the places you can go. Before heading off for an international backpacking trek, it is... more...

Finance » Insurance | By Josie Olson @ Wednesday, 27th August 2008 @ 9:24 PM

In today's economy we're looking for every way to lower costs. Insurance is one of those mysterious items with lots of big words and confusing language. Since most of us pay homeowners through our monthly mortgage payment we do not give it much thought. Getting educated on insurance can be very good for your budget. 1. Get Quotes From Several Agents Insurance premiums vary by as much as 40% from company to company. It'll take a little legwork, but a few phone call... more...

Finance » Insurance | By Terry Stanfield @ Wednesday, 27th August 2008 @ 1:09 PM

What is Long-Term Care? When people consider the subject of long-term care, they often think about nursing homes. In fact, long-term care has little to do with nursing homes. Understanding the difference can help you protect your family and finances. The Consequences of Living Longer Long-term care is a continuum of care services and housing that you will need later in life. Think you won't live a long life? Think back 25 years ago. If you had cancer or a stroke, you simply ... more...

Finance » Insurance | By Stuart Brown @ Wednesday, 27th August 2008 @ 1:17 AM

Affordable health insurance is almost a requirement these days, but forty million Americans are entirely uninsured. Ten million of these people are young singles, but the rest have families to worry about. It used to be possibly to rely on your employer to provide an affordable group insurance plan, but those days have passed. With cost-cutting on the rise, many employers are reducing or dropping their benefits plans entirely. Because premiums for individual plans are rising, it can be h... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 12:23 PM

Reverse mortgages are being used by more and more seniors in an effort to get a loan that does not have to paid back until they move or die, giving them the funds they need to pay for their own long-term care, without relying on family or insurance. It is an incredibly popular practice for those over the age of 62, who own a home and don't want to be a financial burden on their families. In fact, they are the most popular type of loan for Americans over the age of 62. However, senior... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 12:17 PM

If you are like most people, you do not want to be a burden to your loved ones as you age. As people are now living longer than ever before, many are living until their children approach retirement age. The last thing any parent wants to do is to burden their own children with their care. You and your spouse have a 70 percent chance that one of you will need long term care at least once in your lifetime. If you do not have a spouse, you have a 40 percent chance of developing some conditio... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 12:10 PM

Lets take a few minutes to look how LTCi policies protect senior citizens. Life is a journey full of surprises! No one knows exactly what the future holds. You worked hard to save and invest wisely for retirement. And, though it's impossible to predict what lies ahead, we can gain some control of the future by examining our lives and finding solutions that will protect our independence. The reality of life is that, despite everything you do to take care of yourself, your chances of needing ... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 10:16 AM

Nothing in our lives is static, least of all our own ability to care for ourselves. Eventually, as we age, the need to have a long-term care solution becomes increasingly important. However, long-term care insurance does not have to only apply to the elderly. Christopher Reeve, who was paralyzed at the age of 42, required nine years of long-term care. As a result, the need for long-term care insurance is incredibly important and individuals need to start looking to purchase long-term care insura... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 10:08 AM

I always like to ask my clients, "Will your financial planner be willing to pay your long term care bills, will they have access to good quality Home Health Care Providers?" Many lawyers and advisors are now reluctant to recommend against Long Term Care Insurance for fear of law suits later on, from children, when hundreds of thousands of dollars were required to pay for their parents long term care bills. Planners who fail to recommend coverage are more times than not, unaware of the re... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 9:28 AM

Long term insurance coverage is part of a plan leading to a financially stable and safe future in case of a long term care event. However, if you do not have any provisions in place, then you should begin to look into LTC insurance to help make your life, and the lives of your family, more secure. There are many factors to look for when you are getting long-term care insurance coverage, and we will cover the most important in this article. Overall, you want to make sure that the long-term... more...

Finance » Insurance | By Terry Stanfield @ Tuesday, 26th August 2008 @ 9:26 AM

Who knows what the future will hold for us. A simple drive through the city can turn into a serious car accident that leaves you in need of long-term care for the rest of your life, depending on how circumstances fall into place. Many people understand that the worst can happen in life, but few actually prepare for it. If you do want to prepare for the possibility, there is nothing better you can do than purchase long-term care insurance. Long-term care is something various people, at dif... more...