Insurance Information

Taking The Mystery Out Of Long-Term Care Insurance


Here's the good news: with improvements in medical technology and healthier lifestyles, people are living longer. Life expectancy today has increased to 83 years, up from 78 years in 1940 (The Shopper's Guide to Long-term Care Insurance from the National Association of Insurance Commissioners).

The Awful Truth about Annuity and Insurance Leads


You see the websites, you see the ads: exclusive, never before sold, prospects eager to buy, insurance and annuity Leads. Some leads cost a few dollars - others are over one-hundred a pop.

Health Savings Accounts


Most people with health insurance, especially employer paid health insurance, really don't know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use.

Converting An Unwanted Life Insurance Policy Into Ca$h


Do You Own A Life Insurance Policy That You No longer Need or Want? It is possible that you may be able to can get a CASH settlement in excess of the current cash surrender value by selling your policy in the secondary market to an investor.Reasons To "Sell" A Policy:Family Situations Bankruptcy Estate Reduction Estate Tax Revision Business Was Sold 1035 Exchange Drain On Income Divorce - Separation Death of A Spouse Retirement Declining Health Non-Performing Policy Wealth Planning Work Related ChangesQualifying Types Of Life Insurance:Group Whole Life Term (Convertible) Joint Universal Variable Key Man (business related)Who Is A Qualified Candidate?Mature men and women over age sixty-five years of age who have an existing life insurance policy and whose circumstances have changed since purchasing the policy originally may qualify for a purchase and sale of their policy.

Terrorism Insurance - What it Costs Small Business


The Terrorism Insurance Act of Nov. 26, 2002.

How Does Credit History Affect Car Insurance Rates?


Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates.

Term Life - Who Needs It?


If you've read any of the books or articles by popular personal finance gurus you've probably heard of the affordable life insurance alternative called Term life. Term life insurance Quotations are recommended by many popular personal finance gurus and can be a good choice for:· Young families or those on a limited budget, yet still need a large amount of life insurance.

How Much Car Insurance Should You Buy?


Car insurance is one of the most dreaded chunks in your budget. And depending on which state you live in, it could be a smaller or larger chunk of your budget than your neighbors across state lines.

Is Your Auto Insurance Company Rated?


Several national rating institutions rate insurance companies. Do coverages, rates, and service vary from company to company? Why can you pay less with one company than another can for the same coverages? Choosing the best insurance company for you is a crucial financial decision.

Which Car Should You Own To Keep Your Insurance Rates Most Affordable?


Do you consider the cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars.

Seven Steps to Filing Your Car Insurance Claim


Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal.

Factors That Affect Your Car Insurance Premium


Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population.

Protecting Your Expatriate Family


If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to what you are accustomed to 'back home'.

Should I Buy Rental Car Insurance?


Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase.

Understanding How Your Credit History May Affect Your Car Insurance Coverage


Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history.

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