Driving motorcycle using special gears isn’t sufficient to protect yourself on roads. Motorcycle is one of the most dangerous vehicles in the streets. This is because, the riders are uncovered on their tiny vehicle and car drivers sometimes do not see them in the traffic stream.

Insurance is essential for all motorcycle owners. Motorcycle insurance is exclusively designed to provide consumers the coverage they need to find peace of mind while being out with their motorcycles. The main idea of motorcycle insurance is to reimburse your expanses if you have an accident while driving your motorbike.

This type of insurance is really an agreement between the policyholder and the insurer. Initially you should decide what kind of motorcycle insurance plan is suitable for you, and apparently your concluding decision will most likely be based on price.

Better cover doesn’t essentially mean paying extra for your coverage. As a rule, you should remember that comparing different offers from different companies is the best way to find the best rate for your coverage.

When purchasing motorcycle insurance call your agent with whom you presently have other kind of insurance like, car or home insurance. Your agent will make everything easier and you will be pleasantly amazed at how reasonable the motorbike insurance is. If you have a clean driving history and if you aren’t a young driver, then the rate of the motorcycle insurance is expected to be lower.

It is worthwhile to ensure that you involve medical expenses in your motorcycle insurance plan that will generally cover you if you have a mishap while driving your motorbike. Medical expenses insurance is only likely to take effect if you do not have any other medical cover like health insurance or any other type.

All-embracing motorcycle insurance will usually cover certain expenses of custom parts but not essentially all expenses. It is desirable to verify this previous to getting motorcycle insurance in order not to get in misunderstanding.

Low charge motorcycle insurance is probable and with the growing quantity of insurance companies rapidly increasing all over the world, the price has gradually turned down as a result of increased competition. Insurance companies are all the time competing with each other to provide the best and inexpensive insurance charges.

After getting insurance, don’t forget to keep your insurance card always with you, in case of emergency. When everything is done and when you have a motorbike insurance arrangement, keep in mind to be a liable driver.

Visit our web site and get more information about Wawanesa Motorcycle Insurance.

Source by David Hunter

You are in good health and you see your doctor regularly, so what should you do now that you were turned down for life insurance based on the results of the medical exam?

The first step is not to panic. While it is possible that a life insurance medical exam can reveal serious health problems of which you might not have been aware, in many cases you may be denied insurance or charged higher premiums simply because the medical underwriter found something troubling that he or she could not explain from your medical history.

Medical underwriters specialize in classifying risks, and when they find something abnormal  high levels of liver enzymes or blood sugar results that are off the charts, for example  in many cases they will decline or postpone a decision rather than make a guess as to the nature of the problem and the medical risks involved.

“We are in the risk-assessment business, not the diagnosis business,” says Dr. Stephen Zimmerman, chief medical director for American General Life Cos.

Your Next Steps

First, ask the insurance company for the specific details of your life insurance application denial. All states have laws requiring an insurance company to provide the specific reasons for any declination.

Some states permit the information to be sent directly to the applicant. In other states, any medically related reasons must be sent to a physician of your choice. If the reason you were denied life insurance was lab work done as part of your application, a copy of the lab work will be sent to your doctor. If the reason was information contained in a physician’s report, the specific reason, and possibly a copy of the report from which the information came, can be sent to a doctor to be reviewed with you.

Once you know why you were denied life insurance, go to your doctor. You and your doctor should find out if there is something wrong with your health, and stories abound about life insurance applications that have saved lives by alerting the applicants to serious medical problems. Even if all tests come back negative, you may face some challenges in buying life insurance in the future unless the trouble area is cleared up.

You see, insurance companies have access to the results of your previous insurance exam through the Medical Information Bureau (MIB), a clearinghouse of medical information that insurers share, and while you can request your MIB file and have outright errors removed, the results of your test, although unfavorable and perhaps unexplained, may not be wrong.

When you next apply for life insurance, you will probably need to make an argument to the insurer as to why it should offer you a policy (or a policy at a better price), even if you apply to a different insurer. Fortunately this may not be hard.

Providing the life insurance company with the results of tests that show you do not have medical conditions associated with the results of your insurance medical exam can go a long way toward helping you go from no life insurance to being able to buy an affordable life insurance policy.

“The tests you’ve taken will allow the insurer to exclude some serious diseases,” says Dr. Robert Gleeson, a vice president and medical underwriter at Northwestern Mutual Life Insurance Co. “Each negative result on a medical test would make me feel better and better about underwriting a case like this.”

It is up to you, however, to make sure that the insurer has that information because even favorable tests can sometimes slip through the cracks. So be sure that your doctors have sent all of the relevant tests to the life insurance company, and that the insurer knows how to contact all of the doctors who treated you.

You should also make your case to your insurance agent. Life insurance agents can help you argue for a better-priced policy and can make sure all of your medical information gets to the right people.

Source by Amy Danise

Health plan participants have the extra support of legal prosecutors if their health plan providers rescind their policies as a result of illness, thanks to a recent court decision. California health companies have already had to pay more than $13 million in fines to regulators as a result of having rescinded health policies for sick patience.

Health companies may have hoped that the fines would make the scrutiny over their practices go away, but, instead, legal experts expect the scrutiny to continue. The California state Court of Appeal ruled in December 2009 that prosecutors would be permitted to sue health insurance companies over the insurance companies treat consumers and their members.

The recent legal ruling is a result of a lawsuit against health giant Anthem Blue Cross of California. Prosecutors argued that Anthem violated state law by selling health plan members the promise of health insurance, but then later rescinding the health coverage after health insurance plan policy holders submitted their claims for medical care.

After the lawsuit was filed, Anthem Blue Cross argued that the company’s practice of rescinding health coverage fell under the jurisdiction of the California state Department of Managed Health Care; not the Los Angeles city attorney’s office. The city’s attorney’s office filed the lawsuit in 2008. Anthem Blue Shield and the state agency filed paperwork defending Blue Cross. Blue Shield is a competitor of Blue Cross of California and faces a similar law suit by the city’s attorney.

In response to Blue Cross’s argument, the appellate court said that the law was “unambiguous” and gave the city attorney the right to sue the insurance company. The ruling allows the city to not only pursue its current lawsuits against insurance companies, but it also gives the city more influence down the road in other areas.

“This puts new cops on the beat,” said Bryan Liang, director of the Institute of Health Law Studies at California Western School of Law in San Diego. “Lots of stuff in the standard operating practices of health plans is going to be affected by that decision.”

Additionally, Los Angeles City Atty. Carmen Trutanich said he agreed with the appellate court’s ruling. “I am committed 100% to pursuing our litigation against these insurers,” he said. “Illegally canceling people’s healthcare coverage after they get sick is unconscionable.”

Moreover, Los Angeles Assistant City Atty. James W. Colbert III suggested that the recent ruling against health insurance companies may encourage prosecutors in other cities to review the practices of health insurers in their areas. “This decision invites that kind of interest,” he said.

Anthem Blue Cross has yet to decide whether it will appeal the decision, but some believe that the company should be worried about the negative fallout of the unfair business practices.

However, the managed healthcare department said that prosecuting health insurance companies by local government offices is “duplicative regulation” that actually undermines process that has been made to “ensure quality, accessible healthcare.” As a result, some realize that health insurance companies will ultimately increase health insurance costs.

Individuals looking for reliable health policies from insurers they can trust should work with a qualified health insurance broker who can recommend health plans for their specific needs and budgets. While Anthem is one of the largest health insurers in California, there are a wide variety of other insurance providers offering many different types of health insurance plans and coverage options for consumers across the state. Working with an experienced health insurance broker can help to ensure that consumers have the best health insurance plans for their needs and budgets.

For you to understand more about any type of life insurance, you would need to decide first what you want. This way, you will have the ability to research on things that are important. Universal life insurance is one of the most popular types. You need to get all of the important information about it first before you choose or purchase one. There are several things that may confuse people about the said type and knowing the answers on most of the question is a lot of help.

What is it?

What is Universal Life insurance? That is one of the first question that most people may have in mind while buying the said type of insurance. This life insurance is the kind that provides a lot of benefits to the insured. Death benefit is one of them. This is a benefit that will provide lifetime support on the insured and the death benefit will continue that support once the insured died. The beneficiaries will be the one to receive the payment once this happened. It is one way that will assist your family on coping up financially once the insured passed away.

What differs it from other types of insurance?

Universal insurance is quite similar to Whole life insurance. The difference on the two and what oppose it on other types is the cash value. Your payments on the said insurance will accumulate interest. This interest will generate and be available in form of cash. That cash amount will be an investment that you can use anytime you want and in any manner you may need it. You may use it on paying off your insurance. You may also choose to get the money and use it on your other expenses. This process will not have fee basing on the type of insurance company you have.

What are the benefits of Universal life insurance?

Aside from the lifetime security that it can give, it is known that the cash value adds more appeal to it. This way people can have a form of investment while obtaining the benefit of having insurance. It is like hitting two birds with one stone. You have a secured life with an added bonus of a cash value. Another thing about Universal insurance is the flexible death benefit on the policy. You may want to have other variations in terms of the death benefit. This is possible on Universal insurance. What you can do is to review you insurance policy and make sure that the benefit is what you want. If not, then you can call the insurer and have it altered in a way that will provide you satisfaction.

Is it affordable?

It may be affordable or not according to your budget and base on your background. You can receive a lower cost if the insurer thinks that you deserve one. What you can do about this is to assist them on lowering down your insurance rates. Yes, you can do something about it. You may want to quit smoking for one. Smokers get higher premium because they are considered one of the insurer’s risks. Reckless drivers can also be considered as one of these risks. Improve your skills and see your chances of getting a lowers cost on insurance.

Before you get an insurance, the above questions should be answered first most especially the first one which is, what is universal life insurance quotes. This is because of the reason that knowing each of it will make you decide on getting the insurance. Knowing its importance is necessary on getting the best one in the market.

Source by elissajoyce

Picking the right insurance is never an easy task. There are too many choices and way too many options. And in all the confusion, most of us end up signing up for an insurance that does not meet our requirements – offers more than we require. And this is not a good thing because we end up paying for extras that we might never ever have a need for.

What we need is a service that analyses our requirements and based on our needs recommends one or more insurance options. This service is now a reality in Australia and is offered by iSelect. Iselect is an insurance comparison website. You can use it from the comfort of your home. The website is clean and easy to use. The final results are all in plain English – no jargon.

You can use this website to get a quote on your car insurance, health insurance, travel insurance and life insurance products. The service is totally free. The company gets paid by the insurers and so the users don’t spend a cent. Once you get the quotes, based on your requirements, you can either apply straightaway or get some one to call you to discuss further.

In Australia, we have the medicare levy surcharge. Some people just need a basic cover so that they can avoid these taxes and penalties. Iselect has an option where you can select an insurance cover just so that you can avoid these penalties.

All the quotes provided by iSelect is from the panel of insurers that iSelect has – this list is growing day by day and big names are joining the list.

Whether you go with iSelect’s recommendation or not, if you are in the market for insurance, give iSelect a go – it is free and you have nothing to lose.

Source by James W Terry

Insurance agents: If your customers drive their cars to Mexico, don’t tell them to purchase their Mexican auto insurance at the border! Searching for anything online can really save you time and effort. With all that information at your fingertips it is easy to see why the internet is the first place most people turn to when they want to find something out. Looking for the best online car insurance deals is no different.

Then you go to a search. The Internet is a good place to start looking. It saves gas, time and money by not having to leave home and visit each insurer. is always free quotes online by visiting the websites of insurance companies.

OPP costs a little more than HMOs, but many people prefer because they are less restrictive. The co-payments average $ 5 to $ 10. POS (Point of service plans) – These plans are a combination of HMO and powders. You must choose a primary care physician to oversee your medical treatment, but can see a doctor outside the network without having to pay additional fees if your primary care physician referred him.

is important that you research and educate yourself a lot of aspects of life insurance policies, coverage, and your company may be considering, before you make your final decision. With this knowledge, will be in a better position to get the best insurance policy and price, which is suitable for your needs and your family, financial well-being. Semua people in this world will not know what her future, and when their lives ended.

When you buy pet insurance to our pets is also a wise choice to keep the cost of pet care within a reasonable time. As pets have become an important member of our family, purchasing pet insurance is one way to ensure our pets receive the best care possible in future. Here are four simple steps to buying your pet insurance ) Online Pet Insurance Most pet insurance companies have their own websites, which is one of the best ways to start your research is to look at online insurance company. If you do, you’ll find a number of insurance options and rates.

four ) Compare Pet Insurance because there are so many pet insurance companies are faced with many options. Therefore, you need to get the best value for the money you need to compare pet insurance options and policies to see which policies are best for you. Prior to his base and ), you must have a general idea of the possibilities you need for your pet. For example, the basic plans are the cheapest, but it includes only basic first aid and disease. insurance websites.

All you need to do is to go online and search websites are a small insurance companies. Visit the sites at different auto insurance companies, or visit some of the websites that comparative information on the different types of auto insurance coverage for various companies.

This time, you live in Los Angeles and was looking for a local insurance agent to ensure your new car. What are you looking for? How about: car insurance agent in Los Angeles, Los Angeles car insurance, local insurance agent in Los Angeles, CA or car insurance agent in Los Angeles.

Dollars) * A small amount of your an HMO medical expenses, you can benefit from lower premiums to receive in exchange for political restrictions. For example, you choose health care provider pre-approved list of known networks. In fact, can not receive benefits at all, if you go outside the network. Additionally, you may need a referral from your primary physician before you can see a specialist, and you may need to seek approval from the HMO for special treatment.

Since health insurance is so important that you make sure you choose the best provider of health insurance that covers your health Needs, provide good customer service and provide a reasonable rate. your health needs of your health insurance needs are unique, and you must ensure that the insurance company you choose meets their needs. For example: * You need a health insurance short term or long term? * Got any pre-existing conditions to be included in your coverage? * What coverage you need – a comprehensive major medical, vision, dental, etc. ? You * particular doctor or hospital you prefer? addition to good customer service, meeting your healthcare needs, you want to choose a supplier who provides good customer service.

mejores G?sirea insurance rates does Texas homes must be a difficult and slow process. In fact, you can find a cheap home insurance in Texas, with only a little time on the computer.

) change the paradigm and a new understanding of their situation , can make all the difference in the world while saving significant dollars in insurance. Commercial Error # 4 – Red Flag site that generates see many sites that are outside the paid nightmare. (More insurance groaning here) Do you have pictures of men walking on their website in ankle deep water, taking more than 75 pounds in the exercise of a sharp knife, cut a glove and not in sight? Really? (I can not make these things up, by the way).

All benefits or premiums of an insurance company is like a key or an answer to their problems, and have to do something to be financially stable. We choose only the best insurance companies hire to discuss the basis of car insurance quotes.

Companies that simple! in Illinois, 1. 4 million adults have no health insurance.

Source by Jackson Kane

As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss tax exempt vs non exempt universal life policies.
In order for the Universal life policy to be taxed exempt, it must pass the following tests
1. The exempt test
The Exempt Test is used to determine whether or not a policy is exempt. An exempt policy is one that regards as providing primary insurance protection.The test is a comparison of the accumulating fund values or cash values of the actual policy to the fund or cash values of a standard test policy at each policy anniversary. This Exemption test policy is a hypothetical 20-pay policy with endowment at age 85. On each policy anniversary, the cash value of the actual policy is less than, or equal to, the cash value of the exempt test policy.
An exempt policy can become non-exempt in the future if it fails the exempt test at any anniversary, but fortunately, most insurance companies put contractual provisions in their UL plans that guarantee the insurer will take all necessary steps to make sure that the policy remains exempt.
The consequences for a policy owner when the policy becomes non-exempt can be quite serious. Any gains that have been accumulated in the policy at the time of deemed disposition will be taxable to the policy owner in the year in which this disposition occurs. Income earned in the policy after the deemed disposition will be reported for taxation on an annual accrual basis.

2. Maximum Tax Actuarial Reserve or MTAR
This is the amount the insurer can deduct from the universal life policy for all expenses, such as insurance premium, administration charge.. when they calculate their own corporate income tax. For the UL policy remain exempt
a) Its values cannot exceed the MTAR line
b) The face amount or death benefit of the policy cannot grow more than 8% each year.
c) The cash value of the policy at the tenth anniversary and each subsequent policy anniversary cannot be more than 250% of the cash value of the third preceding anniversary.

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://life-insurance12.blogspot.com

http://life-insurance18.blogspot.com

All rights reserved. Any reproducing of this article must have all the links intact.

Source by Kyle J. Norton

Utilize Insurance Coverage

There are a lot of different insurance companies out there, and it is not possible for every dental clinic to accept and work with every insurance provider. This can raise costs quite a bit on your end. Most insurance companies will offer a list of the clinics in your area that work with them. Starting with this list on your search for the right dentist helps you stay within your budget. You can also call the different clinics in your areas and ask whether the dental practice is able to work with the coverage that you have.

Use Civic Programs

All of the public debate about health insurance and medical coverage has resulted in a lot of great programs that are designed to help people get the help that they need in every facet of medical treatments. That includes dental care. Surveys have shown that many people are not aware of these dental programs. If you are someone who could qualify for these programs, then it is a lot easier to get dental care that won’t break the bank. Medicaid is just one of those programs, and each state has its own local civic programs available. 

Talk to Office Staff

The office staff maintains order. A very important part of that order is ensuring that payments are made on time. This means that these are the people to talk to about any of your financial concerns. While the prices for certain services are set, taking the time to talk with these professionals about your situation and your needs can result in the creation of a deal or a payment plan that fits within your means. For instance, many clinics offer a significant discount for those who pay cash at the time of the service. 

Talk to Others

This could be the most helpful piece of advice. Sometimes, finding an affordable dentist is all about word of mouth. Talk to others who are in your position. Ask them which dental clinics they have used and how their experience went. These honest reviews help you narrow down the candidates. In many cases, your friends are rewarded for recruiting others to their dental clinic of choice.

These are simple tips that can help you to find an affordable dentist in Peachtree City. The oral health of you and your children is vital to your overall well-being and should be taken seriously. There are options out there to get the care you need at a price that works with your personal financial situation.

Source by Parkside Dental Practice

Getting life insurance is a fantastic thing to possess. No matter if you are an grownup or a child, man or woman. Everyone needs, or should have, life insurance.

Kids must have life insurance just like adults get it for themself. Accidents and injuries do not care how old 1 is. It’ll strike an individual regardless of how old or youthful they are.

Parents and grandparents ought to get some type of life insurance on the children. Getting life insurance on the small children isn’t any guarantee death or injuries won’t happen. However it does offer the adult in the child’s life some reassurance that if a youthful child does die, that you’ll see some type of help to cover the funeral services.

When a parent and/or grandparent starts the life insurance policy for any small youngster, then it’ll help in the lengthy run when the kid turns into a grownup. Many life insurance policies build cash value as both it and the child matures. Frequently even the monthly rate doesn’t increase or will barely go up once the kid becomes an grownup. This will assist the kid when the child becomes an adult and starts paying the insurance premiums.

There are a variety of types of life insurance out there. When trying to find the right one for the small child, if the parent and/or grandparent doesn’t have an concept what business to undergo, then google children’s life insurance. By googling it, a variety of businesses that offer children’s life insurance can come up. Then your grownup will require to compare which 1 she or he thinks is the best for the small youngster. Two good ones for children’s life insurance are: Globe Life and Gerber Life.

If an grownup thinks having life insurance is a great factor to possess for themself and their spouse, then they should also get it on the minor kids. These small youngsters are adults waiting to occur. So what’s right and insure the life of these kids. Demise does not discriminate against individuals just because of their age. And age doesn’t matter as it pertains time to pay for funeral companies.

So besides loving and nurturing your children and grandchildren, insure them, insure their life. Simply because when life occurs the only factor stopping it’s death. Life insurance may bring some type of assurance to the adults inside a child’s life.

Source by AngelaSextandt

When most people think of how long the life insurance underwriting process takes, they probably picture some poor guy behind a desks with stacks of files and life insurance applications collecting dust behind him. This probably wasn’t too far from the truth a few years back but the industry is making real strides to speed up the entire life insurance process to a point where are even some no medical life plans that can turn around in 24 hours. Let’s look at how long you can expect the underwriting process to take for life insurance plans.

First, lets take a look at the average once you’ve decided on an ideal life insurance rate and plan. The fastest approach is to call us. I know that sounds weird but we really try to make the process as fast and easy as possible and we can actually start the application over the phone. In just 10 minutes, we can get the whole process going with some general information and some health questions. This is a big departure from not too long ago when you had pages of triplicate forms to complete before anything happened. Now, with just this 10 minute interview we are in the system and we can initiate the next and probably most important part of the process…the life insurance application paramedical exam.

The paramedical exam is essentially a quick physical usually with a nurse who comes to you. It involves a medical interview, blood panel, and some general metrics of health such as blood pressure, pulse, height/weight. After the 10 minute phone interview with us where we expedite your life underwriting process, the paramedical nurse usually calls within a few days to schedule the paramedical. This part of the process depends on your schedule and theirs. If you can be flexible, they usually act pretty quickly…within a few days to a week. After the exam is taken and the results are sent in to the life insurance company (which generally takes a few days),

This is where things can really vary from carrier to carrier and depending on your health and dollar amount of term life coverage. As a rule of thumb, the larger your amount of term life insurance coverage, the longer this last step will take. For very large amounts of life insurance, the carrier will really scrutinize health information. It’s more likely that they will request medical records in such situations as well. Depending on how quickly the doctor’s office responds, this can add some time to the underwriting process. We’ve seen doctors respond back to an APS (Attending Physician Statement) anywhere from a few days to a few weeks (in really bad situations). A more complicated health situation or set of issues can also prolong this period of time. As a rule of thumb, the entire process from the 10 minute initial interview with us (where we are actually completing parts of the application with you) to the final delivery of the policy if approved generally takes from four to eight weeks. Dollar amount, health complexity, and carrier can really move around in this range quite a bit.

Now, some wrinkles in the above calculation but not necessarily bad ones. You can typically enroll in temporary life insurance which covers you during this underwriting process. There’s a simplified application involved and payment is required but this makes sure you have some protection while waiting. This temporary life insurance may be dependent on final approval with the underwritten policy. There are even no-medical life insurance plans where limited benefits can be approved with 24 hours. The newest innovation on the market is a hybrid life policy where you have certain limited benefits approved within a short period of time (such as 24 hours) and then an option to “upgrade” this core benefits with a paramedical exam and further approval with a time frame (such as six months). There are many options. The main issue is that you are covered as soon as possible an the temporary life insurance at least addresses this issue while waiting.

Source by Dennis Jarvis

The American Association of Retired People (AARP) is an organization for women and men who are fifty years old and older. It sponsors a variety of products, usually available at substantial savings. Amongst these are life insurance policies.

AARP life insurance is available to every AARP member who is between fifty and eighty years old. The policies are offered through New York Life.

If you are considering life insurance, here are some tips to consider so that you can get the most out of your policy

Purchasing Multiple Policies

Even though you have to be an AARP member to be eligible for their life insurance coverage your spouse and grandchildren don’t need to be members. And your spouse can be as young as forty five years old to be eligible. Grandchildren between three weeks and seventeen years of age could be covered under AARP’s Young Start policy as well.

How Much Coverage is Available?

Benefits between $2,500 and $50,000 are available. As with other insurance policies, the amount of cover you apply for should be determined by the premium amount you’re comfortable paying each month as well as your need.

AARP offers both permanent life insurance policies as well as term insurance. In a nutshell, your beneficiaries will receive benefits for term life insurance only if you were to die within the term of your policy.

Permanent life insurance policies, on the other hand, pay benefits as long as you continue to make your monthly payments. You can also build up a cash reserve in an AARP permanent life insurance policy that you can withdraw from before you pass away.

The premiums for term life insurance policies are substantially less expensive than permanent life insurance policies.

Things to Watch Out For

Unlike some other insurance providers, AAAP does not require that you have a physical exam in order to be accepted for their life insurance coverage. And they do advertise that you will only have to answer three questions about your medical history in order for you to secure coverage.

However, after you answer these questions you may need to provide additional information before a policy would be issued.

Also, and hopefully this doesn’t apply to you or your loved ones, but the American Association of Retired People won’t pay any benefits on deaths that are ruled as a suicide within two years of a member initiating their policy. Instead, the premiums would be refunded to the beneficiary.

Source by Wendy Moyer

1. Earthquake damage is not covered by a standard homeowners insurance policy.

Too many people find out the hard way that earthquake damage is not covered by their homeowners insurance policy. A standard homeowners insurance policy will cover your dwelling and your personal property against many perils. Things such as damage from hail or wind during a storm, theft or vandalism, even a car crashing into your house would be covered by a standard homeowners insurance policy.

But some things such as floods and earthquakes are not covered. To be covered for earthquake damage requires that you purchase additional insurance. The premiums for this type of insurance are generally pretty small but the deductibles can be high. If you choose to get earthquake insurance shop around for the best deal. Try to find a policy that offers the most coverage for a reasonable price and be sure to ask about how much the deductible will be.

2. California is not the only place that has earthquakes.

When you hear the word earthquake the first thing that pops into your mind may be California. But California is not the only place that gets earthquakes. Since 1900, 39 of the 50 states have had earthquakes and all 50 states have sustained damage due to earthquakes. Approximately 90% of Americans live in areas considered to be seismically active but a very small percentage of people actually care your earthquake insurance. Even in California where earthquakes are most likely to occur only about 12% of homeowners carry earthquake insurance.

3. Some easy things you can do to prepare for earthquakes.

Many times, especially in a small earthquake, there may be no structural damage to your house but some of your personal property inside the house may be damaged. In addition to property damage people can be seriously injured or killed by large pieces of furniture or other objects falling on top of them should an earthquake occur. It’s a good idea to secure large pieces of furniture such as a bookshelf to the wall that they are up against. A few dollars worth of hardware and a few minutes of your time could save your life.

It’s also a good idea to have some bottled water, flash lights, canned food, and first aid supplies on hand. If there is an earthquake there could be power outages and plumbing damage and it’s good to be prepared for those possibilities.

Source by Stan Jenkins

Critical illness insurance cover is an insurance policy, where the insurer must sign a contract with an insurance company to gain some typical benefits. Generally in such policies the insurance company makes a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

Some of the illnesses that are commonly categorized as critical illness are:

* Alzheimer’s disease  
* Blindness and Deafness
* Kidney failure
* Terminal diseases like cancers of various kinds
* HIV/AIDS  

The purpose of critical illness cover is to fill a gap that is left by traditional life insurance policies, which will only provide a pay-out on the death of the policy holder. Critical insurance cover provides a tax free lump sum following the diagnosis of one of a number of life-threatening illnesses or certain types of surgery.

Critical illness insurance policies are sold to cover mortgage repayments. They are often sold alongside a life insurance package to ensure the borrower can repay the loan in all circumstances. When an insurer goes for a combined life insurance and critical illness cover package is taken out, then it would not be unusual for an insurer to pay out for only one of the events. So, if the policy holder suffers a critical illness and then dies at a later date, there will only be one pay-out, for the initial illness. It is essential whenever you go for a policy that you make sure it covers all of your needs and those of your family. There is no real rule to estimate how much cover one may actually need. You will additionally need to consider the period for which you want critical illness cover, such as a set number of years to cover the mortgage or no fixed period at all, so you can maintain the policy as long as you need it.

The critical illness insurance market has come under increasing pressure in recent years, as the number of claims has soared, survival rates increased and medical science has made it far easier to detect serious conditions much earlier. These factors have prompted some serious questions about the viability of critical illness cover, particularly guaranteed products.

For many, the most important benefit of critical illness insurance is to protect their mortgage. Most mortgage protection policies allow you to include life insurance and critical illness cover. If you already have life insurance in place, you can buy an additional, separate critical illness insurance policy.

Source by Adolphpaul

In India, the penetration level is increasing every year. Since 1996, there has been tremendous change brought about in the country and large numbers of people have become aware of the health insurance, but still it is only 15% of the Indian population, which has to be increased to reduce the number of people paying out-of-pocket expense.

There are large numbers of health insurance companies that have emerged with their respective health insurance products with their aim to offer health coverage to the people of India, but still many people look for the best health insurance in India.

A market survey conducted to know about the best health insurance in India show that Apollo Munich leads the health insurance sector in India by bringing out the products that satisfy maximum of their health needs. They accepted that their Easy Health plan is the complete plan that does not only offers coverage to all their needs but is also affordable.

Apollo Munich’s Easy Health plan has a long list of benefits, which includes domiciliary treatment, pre- and post-hospitalization coverage, day-care procedure and many others. The plan is available in three variants—Standard, Premium and Exclusive, each with different coverage limit, so that it can find place in the budget of people in India. One can choose the plan as per his/her needs and budget, thus making it the best health insurance plan in India. The other important feature of Apollo Munich is that they offer this plan with lifelong renewal feature.

To make the task of buying and renewing easier, Apollo Munich has established links of “Buy Online” and “Online Renewal” so that an individual can buy or renew at his/her convenience. Thus, there is no need of standing in long queues or waiting for agents to get the work done for you.

Source by Aman Bhatia

Insurance businesses just retain obtaining superior and far better. Initial there was news how the Blue Shield well being insurance business in Texas was denying coverage to offshore oil drillers and athletes, mainly because they felt that these had been high-risk jobs that could need more than normal healthcare. And now, here’s something to not look forward to, hurricane season this year, beginning August. The Florida home insurance market, well, one firm at the least, is locking out 125,000 of its customers. They’re executing this right ahead of the hurricane season if they assume a slew of damaging hurricanes to blow homes away, and they’re doing this to their most vulnerable and defenseless subscribers.

That firm, that several in Florida are calling the devil incarnate, is Think Farm Florida, as well as the corporation is sending out cancellation gadgets to lots of subscribers who live along Florida’s high danger coastline. Needless to say, State Farm says that this is not its fault. Florida had three hurricanes in 2004, and two important ones in 2005, Katrina one of them,  and they practically bankrupted the state’s home insurance corporations. The business suffered about $50 billion in claims those people years. So Express Farm went up towards the state’s insurance regulators, and asked for nearly a 50% improve in its insurance rates in those high-risk places. The government regulators balked at such a steep rise, and turned them lower. State Farm mentioned that this way, the company would have to near down in another three years, from its losses; and it went and did the one other point it could do to keep itself from receiving claimed out of home and home the next time a hurricane struck – it unhitched all of the needy persons who lived where the hurricane would strike. And also, it stopped accepting new programs from those locations.

Thankfully, there have been no significant hurricanes in the final two years; but one knows that it’s only a matter of time before one turns up and wipes the organization out. Florida has about 200 home insurance firms, and most of them are working losses on the state. And thus, Express Farm is adamant; if it truly is not authorized the price hike to end all amount hikes, it’s going to shut up store in that state. That went and place a scare to the insurance regulators in Florida, and they granted them a 15% fee hike, and let them drop the higher risk customers. The government allowed the organization to give its customers the mandatory six-month observe. Of course, that inconveniently sites everyone appropriate in the center of the hurricane season without having insurance. But depending on how other home insurance firms look at it, they get yourself a chance at snagging all people extra customers. If they want them, which is.

Source by kayla

Selling insurance can be a tough business. Unless it is something required by law it can be like pulling teeth to get people to jump into a new insurance policy. Even when you can save people money they can have so much resistant to change it can make want to climb through the phone and smack them around. After all, you are trying to help them!

To get around this frustration, many insurance professionals go to training seminars, read books, and invest information products. While these methods can be powerful, there are still myths being shared with insurance agents that have them headed east looking for a sunset! This advice is being propagated by “coaches” who haven’t served their time selling anything.

I invite you to break through the most common insurance sales scripts myths on your way to doubling your sales.

Insurance Sales Myth #1 – “Sales Scripts Aren’t Needed” – The reality is that no matter what you say you are saying a script. The difference between a good sales script and a bad one is the good one actually gets you the policy! Trying to sound “natural” or just “winging it” is a formula for disaster. Anyone who tells you they aren’t using a script of some sort is broke.

Insurance Sales Myth #2 – “Sales Scripts Make Don’t Sound Natural” – If you are trying to recite statistics or a long drawn out mission statement it WILL sound awful! In order to sound like yourself and still get the sale, I would invite you to consider transforming your sales scripts into interest piquing questions. When you ask questions they sound natural. Dig deep and ask questions that reach to how prospects can save time, money, or both and you will get the sale in minutes.

Insurance Sales Myth #3 – “Concentrate on Closing the Sale”  – You can’t “close” anyone. People either want to invest in a new policy or they will walk away. You can’t convince someone that a policy is right for them, and even if you do, they will just cancel it after they get off the phone. Instead of closing the sale, get your prospect to see that it is a good idea for them to change or add more coverage. Get your prospect to feel like they would be crazy NOT to make a change. You know your conversation is headed in the right direction when they ask you “so what’s the next step?”

Selling more insurance policies isn’t convincing someone. It isn’t even about the brand of your company. To sell more insurance policies I would invite you to take action with interest piquing questions that will have you doubling your sales now.

Transform your insurance sales scripts with 67 interest piquing questions that sell. Free 5 day course (yes you can skip ahead) to get started on the road to your best year ever selling insurance – www.QuestionsThatSell.com

Source by Todd Bates

Every dog owner need to have dog bite insurance so that it can cover injuries inflicted by their dog to other people. Normally, dog bite insurance has a limit of at least $100,000 for personal liability.

This type of insurance will allow the dog owner’s insurance company to pay the appropriate amount to compensate for the damages generated by the dog.

The dog owner’s own relatives, friends, and neighbors can possibly be the victim of an unexpected dog attack. Therefore it’s only practical to have some kind of protection against the incident before it actually takes place.

Considering the fact that a dog can bite someone whom the dog owner loves, it is recommended that the owners get high limits of dog bite insurance plan.

The umbrella policy that is available on dog bite insurance allows the owners to have the peace of mind that they can remedy the problem financially just in case it does happen.

Every dog owner is placed at a risk and has a possibility of having dog bites and other canine-inflicted injuries. In fact, dog bites amount to nearly five million cases in a year. Children are the victims of serious dog bite cases.

The annual losses amount to $1 billion. These losses do not include the cases that were covered by the owners who have dog bite insurance.

There is good news for dog owners and accident victims, dog bite insurance pretty much covers the large percentage of the bill. They also provide at least $100,000.00 in benefits for those who had to go through the attack.

It helps to have insurance. If you are getting a dog insurance, you might as well get a dog bite insurance. Think of it this way.

If you are insured (health, car, home), then you should also get your dog insurance, that is if you can afford it. The next step then is to take dog bite insurance.  With dog bite insurance, you will feel protected from the possible expenses that you would have to encounter, just as people around you will feel secure.

Put yourself in their shoes. If ever they do get bitten by your dog, they wouldn’t have to worry that you don’t have cash to fund for their treatment. Dog bite insurance makes this possible for you and the victim.

Presently, the insurance industry is offering the best kind of services to their clients. Dog bite insurance is just one of them.

If you’re the kind of person who feels more secured with insurance, then this is an insurance that you should get.

Source by Ricky Lim

Every day, more than 10 people die in road accidents, ultimately leading the toll to more than 5,000 a year. Maximum number of people, who die or injure themselves are youngsters. All the calculations turn out to be that in every hospital, everyday a youngster is being treated of the injuries caused due to vehicle accident.

The statistics in Georgia are set to increase in the coming years. Georgia witnesses maximum number of deaths on express highways. Georgia has taken away the lives of many individuals and maximum of them are youngsters. Traffic policies of Georgia are different to quite an extent from other states in America. Some of them include legal documents of car insurance policy, no U-turns allowed, putting charges for drinking and driving, suspending the license of driver in case of jeopardizing the life of a child.

Parents are the most concerned people on the earth. The records maintained in the United States say that the average age of teenagers, who die in car accidents is between 15 years to 19 years. This data in comparison to other age groups is the highest until now. The average speed of youngsters driving cars is four times more than the others. In addition, parents of youngsters, whom do about to get a driving license need not worry, because a number of factors can save your child’s life.  Some of the factors include issuing the license by taking into consideration the eligibility criteria, car insurance, taking proper measures for creating awareness of the importance of seatbelts among the young generation, restricting the law of no drinking and driving and more than the above, preparing this generation mentally to drive safely.

However, there are strict rules and regulations that are mandatory for drivers, especially the youngsters. Formalities such as insurance of the vehicle are very important in order to drive on the highways and in case of long drives.

Source by Alexei

It is quite clear that the way IRDA is daily coming up with new rules and regulations , it is going to have a profound impact on the life of insurance agent in the near future.

First, there was issue regarding high commission paid to insurance agents. Then there was debate related to regulation of ULIP, started by SEBI who wanted some stake in the way ULIPs are sold in the market as the money is invested in the stock market. The outcome is that there will be lesser entry load on ULIPs. So, there will be less commission for agent/advisor.

Before these things were over, now there is a new rule being thought about by IRDA which proposes to cancel the license of Insurance Agents whose average annual persist-ency ratio is less than 50%. This is to reduce mis-selling. It will be interesting, if implemented, as there will be severe reduction in number of licensed insurance agents in the country.

Obviously all these issues are helping the cause of investors.

But, IRDA should also take some steps which work for the benefit of insurance advisors. Insurance Agents/Advisors are the backbone of insurance industry.

I hope IRDA will bring some changes in the commission structure which will take care of the earning power of the insurance agent.

With more and more companies joining the insurance industry, there is going to be tougher competetion. Agent need to be aware about the way changes are going to effect them and thus get ready for challenges.

By-

Vishal Kashyap,

Founder,

www.ApnaAdvsior.com

Source by apnaadvisor

On the brighter side, preliminary studies in 2009 showed only 48 teens were killed on Tennessee highways, compared to 72 in 2008.  Safety officials say this decrease in teen driver deaths was partially due to offering more youth driver safety programs and educating teens more on safe driving skills. 

With a main objective of saving the lives of teen drivers, The Graduated Driver License (GDL) Program was started on July 1, 2001 in the State of Tennessee.  The program provides three phases of licensing for teens under 18 years of age, which are learner permit, intermediate restricted license and intermediate unrestricted license. The parent or legal guardian of the teen participating is required to be involved with the program.  It’s programs such as these that also help to lower a teen’s car insurance premium.

Keep Teens Safe while Driving in Nashville

As a parent, you can play a big part in determining whether or not your teen will be at risk for becoming involved in a car crash.  Explain to your teenager how serious driving is and give her a set of rules about the use of the car.  Limit the number of miles she drives.  Go over a list of distractions she should avoid while driving such as eating or drinking, listening to loud music, and driving with several friends in her car.  Make it a point to let her know that as of August 2009, teen drivers in Tennessee were banned from any cell phone use while driving.  Let your teen know beforehand that if her driving privilege is abused, it will be taken away.

You might be wondering if you will have enough car insurance protection for your teen by adding her to your policy.  Before you put your teen behind the wheel, maybe you should take the time to shop around and compare your policy rates with those of other car insurance providers in Nashville.  In doing so, you’ll be assured that both you and your teen have adequate protection at the best rate.  If you are considering adding a young driver to your current car insurance policy, you might want to review it or speak to your local agent in Nashville to find out if your teen is automatically added to your policy. 

Learn About Discounts for Teen Drivers in Nashville

As you contact car insurance companies in Nashville, Tennessee about your teen’s car insurance, inquire about the discounts they have to offer that might lower your premium.  Most insurance providers have discounts available for teens who have completed a course in driver’s education.  There are many approved defensive driving courses available in Nashville where your teen will have access to behind-the-wheel experience, be able to practice and develop safe driving habits, and learn the rules of the road.

Maybe your teenager is eligible for a good student discount.  A “B” grade point average or above might classify her as a good student.  Nashville providers offer this discount to students because studies have shown that students with good grades often demonstrate more responsibility when driving.  Ask the insurance agent about other discounts for which your teenager might qualify.

Keep Safety First When Buying Your Teen’s Car

When ready to purchase your teenager’s first car, consider all the factors involved in keeping her safe and keeping your insurance premium low.   Buy your teen a less expensive car and avoid vehicles that have higher injury rates such as sports cars, convertibles and SUVs.  The car should also be equipped with the latest safety technology such as air bags, seat belts, traction control, head restraints and an anti-lock brake system. 

Take a look at these teen driver statistics and see what you need to do to find the right Nashville car insurance coverage for your teen.

Source by Jc Denton