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Insurance policies are very hard to understand. They are long, so that factor in itself deters us from reading them. They also speak a language that seems foreign. By the time you look up every unknown word in the dictionary, all comprehension of what you’re reading is lost. Because of this, ... Views: 1556
With the costs of medicines and hospitalization increasing, health care has become extremely expensive for most people to tolerate. As important as it is to buy health insurance, it is also important to save money, especially in these times of economic difficulties. The only way to save money ... Views: 1555
A simple definition of public liability insurance is something that will protect you in the event of claims against you or your company because of damage to property, or personal injury to people, which has resulted through you carrying out your business. Public liability insurance will cover ... Views: 1553
Life insurance is complicated for many people. What’s worse, a seasoned insurance salesman or persuasive website can make the benefits of a Whole Life policy shine like a diamond, but leave the uncertainties (usually, the fine print) in the dark. For this reason, this FAQ exists to educate ... Views: 1553
It is hard to believe that many people buy auto insurance without even searching for the best and cheapest one. It is understandable, because I have one time tried to call some auto insurances around my home town and found out that the premium is less than $50 in difference. Your insurance ... Views: 1552
The 20 year term life insurance policy can be effectively used in oh so many situations. We will look at some of them but first let us define what this policy is all about. 20 year term insurance has a level death benefit for the entire 20 year period. This death benefit can be paid in one lump ... Views: 1548
Life Insurance Corporation of India is the biggest government-owned life insurer in India. The company is also the biggest investor in India. The Government of India is the overall owner of the company. The headquarters of LIC India are located in Mumbai. The company offers life insurance plans ... Views: 1548
If you are looking for health insurance that is going to fit your lifestyle no matter where you are in your life you may want to try Humana Insurance. Humana Insurance has many different plans that will fit your exact needs. With the recent loss of jobs many people are finding themselves without ... Views: 1546
Are you ready to learn how to drive? You are finally able to get your provisional ldriving icense, but then you get some quotes and see just how expensive provisional insurance can be. You can expect to pay high prices on insurance when you have a provisional license, because insurance ... Views: 1545
A lot of people never have to consider any alternative to the option that we are most familiar with when it comes to selecting a car insurance policy, but annual policies are only one of the choices you have open to you. For those of us who just need cover for driving to and from our full time ... Views: 1543
Insurance is something each and every business owner needs to think about. You have to be able to take care of your workers. You never know when an accident may occur hence the need of casualty claim arise. Even if you are not a business owner, there are so many areas in your life that require ... Views: 1538
When it comes to long term care planning, people often assume that married couples have it easier because they have each to turn to for support. When the situation gets tough, it surely helps to have another person present. On top of that, married couples can look to each other to act as ... Views: 1536
Kentucky will set up a health benefit exchange if the Supreme Court approves the health care law. The idea of the exchange is to allow individuals and small businesses to compare coverage, provider networks and costs and purchase affordable Kentucky health insurance online. The law requires all ... Views: 1526
Obtaining a life insurance quote is indeed the first step to buying an insurance policy which suits your needs. Considering that insurance can sometimes be a complicated subject to deal with, you need to plan your quest for the right one, impeccably. Sadly, there are no universal rules ... Views: 1522
Financial Tips for 2013
Happy New Year, hope all of you just had a wonderful holiday! After a relaxing vocation to Hong Kong, I guess I better start planning for the year 2013. As I'm working through my own financial plan, I figure below are some ideas that might be useful to you.
... Views: 1520
Most divorce agreements require that one divorced spouse, usually the one paying child support or alimony, maintain a certain amount of life insurance on themselves to protect the financial future of their ex should they die before their financial obligations terminate. But like many ... Views: 1515
We do not want to get sick or hurt, but we cannot avoid experiencing sickness or accidents. These days, accidents are happening like a routine activity and there are many dirty environments, germs, bacteria, and viruses are bringing life-threatening health issues to people. Once you are sick or ... Views: 1515
Attention All High Income Earners!
Are Taxes about to Eat Your Business Profits? With the Presidential election now fading into history, what does it mean to your business? What does “paying your fair share” mean to a highly successful business owner like you? What concerns you the most, your ... Views: 1512
It’s moving day! You packed all your contents into boxes and labeled the boxes according to what room they go in when arriving at the new house. But you didn’t list the individual items as you packed – you didn’t create a thorough inventory. What if some of the boxes are missing when you arrive, ... Views: 1510
According to a report prepared for the Ohio Department of Health Insurance, over 60 percent of Ohio’s residents get their health insurance through their employers. However, Ohio Lt. Gov. Mary Taylor says there could be a lot of confusion ahead for businesses as well as individuals when shopping ... Views: 1507
There is no doubt when you ask most people they would love to be in complete control of their working life. Although in theory it is a nice thought, self employment is an uphill struggle with a great deal of work and pressure. The brave ones who make this leap will recognise this, they will also ... Views: 1507
Drinking and driving is obviously a mistake for many reasons. One of the effects of a 'driving under the influence' conviction that many people fail to realize - is just how severely your car insurance rates can be affected. If you're covered by a policy at the time you're convicted of a DUI, ... Views: 1502
Small businesses need dedication and vision. And as protection they need comprehensive insurance to protect themselves from disasters, illnesses, disability and loss of property and goods among many others.
Every small business owner needs a business owner’s policy cover. This kind of policy is ... Views: 1500
Researching health insurance for you or a loved one can prove to be quite difficult. This is true with Medicare and supplemental plans as well. The hard part of choosing coverage is deciphering what each policy actually covers or doesn’t. The one thing we do know is that having health ... Views: 1500
Nowadays it is possible to get one day car insurance for your vehicle. This is especially nice when you buy a new car. Instead of having to leave your new car behind for a day or two, until you can get long term insurance on it, you can purchase short term that just lasts a day or two. This ... Views: 1500
The number as well as other forms of life insurance coverage may cause considerable confusion into the new life insurance coverage agent as well as towards the term life insurance consumer. You'll receive a breakdown of the majority of them right here and just how each of them is true to the ... Views: 1498
If you live in Michigan, you better get your Citizens insurance
No doubt Michigan is the mother of modern cars. Ford, Chevrolet, and Dodge motors are the most common in Michigan. Residents of the state have an extraordinary love for cars and little wonder why Detroit is also called "Motor ... Views: 1493
The amount of life insurance that you need depends on how much money your beneficiary would need if you should die. If you are the sole breadwinner of your household and if you have small children, you will want to have a higher amount of life insurance than if your children are grown and both ... Views: 1491
Affordable Medical Mutual of Ohio health insurance plans are available. Since 1934, Medical Mutual of Ohio has provided low cost health care to families and the self employed. Usually, rates are quite competitive compared to other major health care providers such as Anthem Blue Cross, Aetna, ... Views: 1491
Many seniors who participate in the Medicare program struggle to pay for their prescription medications each year. With the Original Medicare system, there is a prescription drug coverage gap of $3,610 - a shockingly high figure for many individuals who are no longer earning an income that ... Views: 1483
Anyone with a pet dog is likely to consider whether it is a good idea to have dog insurance cover in place. The most obvious thing they are probably thinking about when looking for a policy is protection against large veterinary fees and charges. Pet insurance normally provides cover for a lot ... Views: 1477
Out of the estimated 27 million Americans dealing with a substance abuse problem, only about 10% each year will make any attempt at treatment to better the problem, and although the financial realities of care do explain some reluctance of many to initiate treatment, statistics indicate that a ... Views: 1474
Accidents happen when we least expect it.
And while you can't always plan ahead for everything, there are certain steps you can take to minimize potential risks and keep yourself, your family, and your assets safe.
Getting the basics covered, like homeowners and auto insurance is a good ... Views: 1473
Part of being a responsible driver is having the right insurance to protect yourself, should damage occur for any number of factors. Car insurance requirements are often dictated by various state laws and specifications. If you operate a vehicle in the state of New York, it is advisable to be ... Views: 1470
The car insurance policy that you have to pay for will most likely take a huge amount from the budget that you have for your vehicle every month. There will be times when you know that you cannot use your car because you do not have budget for fuel anymore. You always have a choice to get the ... Views: 1469
Every business uses vehicles to transport personnel as well as goods. If a vehicle is used for business purposes then personal vehicle insurance will not cover the vehicle or people in it; you need commercial auto insurance.
Any vehicle big or small owned by the business and driven by employer ... Views: 1461
Why is insurance such a complex industry? Why embracing new technology is challenging for them? Well, to be honest, insurance sector never have those golden days. The cut-throat competition and changing government regulations is the main cause behind it. It is hard for insurance companies to ... Views: 1461
The Patient Protection and Affordable Care Act (PPACA), also called Obamacare, has been one of the most hotly contested pieces of legislation in recent memory. Fewer laws have created such intense, angry debate, and fewer still have cut so deeply into so many different aspects of American belief ... Views: 1457
If you don't want to be "broker", fire your Broker! Sound a little rash? Think about it. Did you lose a big chunk of your retirement savings back in 2000-2003? Most lost 40-60%. Did you lose again in 2008? Many lost 20-40% or more! Now ask yourself this question, "Did you ever get back to ... Views: 1455
Dogwood Forest Assisted Living interviewed elder law lawyer Miles Hurley and found out the answers to these 10 most pressing retirement planning questions:
1. What legal documents are most important for seniors? Which ones are often overlooked?
2. What is the difference between a will and ... Views: 1454
Insurance industry in India holds a deep-rooted history. From 1818 till today, the insurance companies in India have gone through many trends.
Insurance industry in India was first found mentioned in the scripts of Manu (Manusmriti), Kautilya (Arthasastra) and Yagnavalkya (Dharmasastra), ... Views: 1453
Your probably aware of all the ways to save money by shopping auto insurance if you're a savvy internet user. You Google a search for auto insurance, low cost auto insurance, cheap auto insurance, and who pops up? Esurance, Geico, Progressive, and some other on-line insurance agencies. That is a ... Views: 1450
There are various factors that the success of an insurance agent depends on. Yet one way or another everything comes down to generating enough prospects to take your business to the next level. There are no right ways to generate qualified insurance leads as the methods may differ from one agent ... Views: 1448
Getting an insurance policy is an excellent way of getting prepared for emergencies in life. There are so many insurance policies available that you can get but make sure that you choose the right ones. It is not easy to earn a living and you do all the work hard to lead a comfortable life, and ... Views: 1447
There is a lot of discussion about the difference between preparing for a disaster so you can recover, and planning to continue to stay in business no matter what causes a business interruption. Many people ask what the difference is. Do they mean the same thing? Isn't the end result the ... Views: 1445
The Time is Now for Long Term Care Insurance
What is Long Term Care Insurance and why do you need to care about it? That's a great question. Long-term Care,(LTC)goes beyond medical and nursing care to include all the assistance you could need if you were to ever have a chronic illness or ... Views: 1444
Portability means transferring your existing health insurance policy to a new insurer – without loosing any of the benefits that your current health insurer provides. Credit Gained that can be transferred from one insurer to another includes waiting periods; waiting period of pre-existing ... Views: 1443
In the network of dental insurance, most of the people opt for the best plan which can make them eradicate all the issues with ease. UHC Choice Plus is a PPO plan that offers you the option to see any doctor from the network. It also allows you to take the treatment from specialists also. This ... Views: 1442