Are you between jobs and looking for interim health insurance coverage? Here’s how to find cheap interim health insurance with a reliable company.

Interim Health Insurance Coverage

Interim health insurance provides you with health insurance coverage until you can get permanent coverage from your new employer. Coverage can be from one month to twelve months in duration, and most insurance companies allow you to extend your coverage if you need to.

Interim health insurance provides coverage similar to regular health insurance coverage. It covers your emergency medical care, hospital costs, prescription drugs, lab work, and X-rays. Coverage varies from one insurer to the next, so you should make sure you’re getting the coverage you need before you purchase a policy.

Standard interim health insurance does not cover preventive care, routine care, dental care, optical care, or pre-exisitng medical conditions.

Interim Health Insurance Costs

Interim health insurance rates vary from $25 a month to $125 a month. Deductibles, the amount you must pay toward a claim before your insurer will pay, are higher than they are with regular health insurance. Co-insurance, the percentage of the total bill you pay after you pay the deductible, varies from 20% to 50%.

Cheap Interim Health Insurance

The easiest way to get the best price on interim health insurance is to go to an insurance comparison website where you can get rate quotes from a number of different companies. In order to get your quotes you’ll need to fill out a short form with your insurance information and the amount of coverage you want.

To get the cheapest rate choose the highest deductible you can afford as you fill out the form. Once you get your quotes simply choose the cheapest quote that has the coverage you need.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get interim health insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

Source by ryan@thesatellitetvguide.com

For the first time in 22 years Texans will now need to evaluate their auto insurance policies to be sure their limits of liability will meet or exceed the state required minimum auto liability insurance requirements.

Texas liability insurance requirements have just been changed. Effective today, April 1, 2008, the minimum amount of automobile liability insurance for Texas drivers will increase from the current $20,000/$40,000/$15,000 (20/40/15) coverage to a new 25/50/25 coverage requirement.

The state of Texas will be checking on policyholders with a new Texas Financial Responsibility Verification Program this spring that allows police officers and highway patrol to immediately verify whether a driver has car insurance.

There is no getting around the new Texas liability insurance requirements, and every city and county will be affected by this rate increase.

The new Texas liability insurance requirements are: $25,000 per person minimum for bodily injury liability damages with a 50,000 minimum per occurrence for bodily injury. The required property damage minimum has now been increased to 25,000.

What does this mean in layman’s terms?

1. 25,000 per person means, your carrier may pay up to 25,000 for each individual you cause bodily injury to by way of and automobile accident.

2. 50,000 per occurrence, refers to more than one person suffering bodily injury due to you being negligent or liable in this single automobile accident.

3. 25,000 for property damage, points to the amount your carrier may pay for property damage you cause due to your negligence in a single automobile accident.

Why did this change come about?

In 2007, the 80th Texas legislature amended the law that stipulates Texas automobile liability insurance requirements. The change was made in response to growing concerns that limits to date were insufficient to reach the rising costs of medical treatment and vehicle repair and replacement. The new minimum limits on Texas liability insurance requirements are intended to safeguard the interests of citizens involved in accidents on both sides of the collision.

While the increase may seem exorbitant at face value, it really isn’t that much of a hit to Texas pocketbooks.

The average person can expect to pay only a marginal additional amount on his or her monthly premiums, and most insurance agencies are already factoring in the necessary rates to make the adjustment a smooth transition for their clients.

However, refusing to honor the new Texas minimum liability requirements can result in financial penalties far more costly than an extra ten dollars or so per month.

According to the state’s new financial responsibility law, a first conviction for refusal to upgrade minimum auto liability insurance will result in a fine no less than $175.00 and no more than $350.00.

For some policyholders, this fine would be more than the 3 times the rate increase for the entire year!

Subsequent violations can carry penalties ranging from $350.00 to $1000.00, suspension of your license, and the towing and impounding of your vehicle. This will in turn create the necessity of the dreaded SR-22 filing and even higher rates on your auto insurance.

It is also important to consider that while this mandatory adjustment may be an inconvenience to some, it can be a critical awakening to others. There are many Texans who unfortunately have not reviewed the liability limits of their automobile insurance since their policy was initially purchased. Because of this, many of their assets are dangerously at risk should they be found liable in an automobile accident.

Higher liability insurance requirements protects these assets which may have increased over the years and are vulnerable to loss if a person is ruled at fault.

Please contact your current agency or Texas Auto Home Insurance immediately for a free evaluation of your current policy to ensure you meet with minimum liability insurance requirements and have the best rates possible for your particular vehicle and lifestyle.

Source by G. M. White

Many of us need automobiles to get from place to place, so we all know how useful they can be while also recognizing the fact that driving an automobile is dangerous. You might be careful in obeying traffic laws, but you never know when someone else will not and be the cause of an accident that involves you. Then again, mistakes do happen and you never know when something may occur that you will be at fault. These are reasons why it is important to have auto insurance.

However, auto insurance covers much more than just collisions. There are times when certain acts of nature may occur such as a hail storm or a falling tree that may cause damage to an automobile and it would cost too much money out of pocket to fix these things. The insurance will sometimes charge a small deductible depending on the type of accident that has occurred, but the cost is minimal compared to what it would cost to fix an automobile on your own.

A world without auto insurance

Just imagine what a world without auto insurance would be like. First of all, people who are at fault in accidents would be paying money to the accident victims out of their wages and other income for years to come. Those who have been injured in an accident at no fault of their own are entitled to have their medical bills, vehicle repairs, and other expenses paid by the insurance of the person who was at fault. If the person at fault does not have insurance, then they do have to pay those expenses out of their pocket. Many people have been known to lose major assets because they did not pay the minimal cost of having auto insurance to prevent such losses.

Then there are those natural disasters that we have absolutely no control over. There have been many overturned trees from high winds that have decided to fall the direction of someone’s brand new car. There have also been the occasional hail storms throwing golf ball-sized hail out of the sky at the many automobiles below. This can cause thousands of dollars in damage that goes beyond the scope of what most individuals can afford straight out of their pocket.

So why is it important?

It is probably already quite obvious to see why having auto insurance is very important. If not, then look at it this way:

• You are protecting your automobile, one of the largest investments you make in your life.
• You are able to pay for medical bills if an accident occurs.
• You don’t have to feel the biggest part of an accident-related lawsuit.
• Protects assets that you’ve worked hard for from being lost due to a lawsuit.
• Protects you from those motorists that may not have insurance of their own.
• Not only pays for accidents and weather-related incidents, but also pays for vandalism and theft.
• You know you are protected every single time you hit the road.

However, this brings about another point. It is very important that you review your insurance policy and make sure you understand all of it since every policy is different. Depending on a person’s financial situation, they may choose a certain type of coverage over another for a variety of reasons. This can be because they want to cut premium costs because they simply cannot afford higher coverage or another reason that they find they don’t need extensive coverage. These things should be considered carefully because you never know when one accident may be the event that causes you to lose many of your assets in order to satisfy the cost of a lawsuit settlement.

Source by Amy Nut

Whether you’re self-employed or running a small business, landscape gardening is not without its hazards. Which is why you need landscape gardeners insurance.

It might sound like something from a Laurel and Hardy movie but nobody will be laughing if a customer trips over a rake you’ve left lying on the ground and suffers a fracture. Or one of your assistants badly cuts himself sawing off an old branch. Or you damage a valuable garden ornament.

Incidents like these, which can happen all too easily, can result in claims against you (more likely now than ever before with the proliferation of ‘no win, no fee’ legal services). And that will mean lawyers bills and possible compensation awards.

Without a landscape gardener insurance package, including public liability and employers’ liability, you could find your business and everything you’ve worked for at risk.

And what about the investment you’ve made in equipment and tools? Even if you don’t leave them lying around, they can still get lost or stolen all too easily. Add tools and equipment cover to your landscape gardeners insurance and that’s one less financial headache to worry about.

Insurance won’t guarantee that everything comes up smelling of roses but it will go a long way to ensuring that mishaps don’t kill your business off. Just follow the link to find the very best insurance for landscape gardeners.

Our gardener insurance package offers comprehensive protection to UK landscape gardeners, maintenance gardeners & garden mowers.

Article Resource:-

http://www.tradesmaninsure.co.uk/landscape-gardeners-insurance.html

Source by ammenda

HDFC Ergo health insurance is a complete health care solution for individual and families, which takes care of the hospitalization, pre and post hospitalization, domiciliary hospitalization, organ donor expenses, emergency ambulance charges, etc. HDFC Ergo health insurance is available under the product called Health Suraksha.

Coverage-
The policy covers following medical expenses for illness/disease/sickness and injuries-
Hospitalization Cover- It includes room rent, boarding expenses, doctors fees, surgeon fees, operation theatre charges, ICU charges, cost of medicines, diagnostic test, etc.
Pre and Post Hospitalization-The medical expenses incurred 60 days prior to hospitalization and 90 days after hospitalization.
Pre-existing Condition- Specified pre-existing conditions are covered after 4 continuous policy years.
Day Care Procedures- It covers technological advance procedures/surgeries which do not require more than 24 hours of hospitalization.

The policy also offers Ayush benefit. It reimburses the expenses for inpatient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.

Tax Benefit-
It also offers tax benefit up to Rs.15,000/- under section 80D and for the senior citizens, tax benefit up to Rs.20,000/- under section 80D of the Income Tax Act,1961.

Eligibility-
The policy is available on individual sum insured basis and on family floater basis. The sum insured ranges are 2Lakh, 3Lakh and 4Lakh. Age limit is 3 months to 65 years. There are five plans to choose from – 1 Adult, 2 Adults, 2 Adults & 1Child and 2 Adults & 2 Children.

Features-
1.Cashless hospitalization at over more than 4250 network hospitals across India.
2.All family members are covered under the single sum insured.
3.No medical check-up is required up to the age 45 years.
4.10% of family discount, if 3 or more members are covered under a single policy on individual sum inured basis.
5.Cumulative bonus of 5% for every claim free year renewal.

Source by Habibulla Antule

Every company would like to keep their ‘star employees’ for long. Hence, they give them fringe benefits that are exclusive. Fringe benefits are extra compensations given to an employee beyond regular perks. Some fringe benefits are fairly standard, like offering sick leave or paid vacation. Others can be significantly greater, and fairly rare. Key executives in large corporations might also enjoy fringe benefits like paid continuing education, discounted or free health club memberships, discounted tickets, flexible summer work hours, quarterly employee appreciation events, etc.

It is a common trend today to offer fringe benefits to a full time employee in corporate companies. A typical example of good fringe benefit is offering health insurance to the staff. The employer pays part of the insurance. According to the laws in some states, companies of a certain size must offer health insurance some sharing of payment at least to a full-time employee. Some companies avoid this by employing more part-time workers.

Companies sense that fringe benefits like health insurance contribute to the well being of their employees. Whenever possible, they try to offer at least partially discounted insurance to an employee, even if they are not legally required to do so. These paid days off do tend to have a cap on them. For example, a new employee might get a week’s vacation time to start, and eight to ten days of sick time for year. Employees entering higher-level positions may be offered greater fringe benefits as incentive to join a company.

However, with increase in needs is certain kind of skilled workers, some unusual fringe benefits may be offered to attract employees. A few unusual fringe benefits offered by some employers are, paid housing, or use of private health clubs.

Sometimes the fringe benefits turn out to be greatly needed. For example, the rising cost of private health insurance often makes obtaining a job with a good health plan highly desirable. Programs like 401k can help employees save money for the future. Where job compensation is not commensurate with money needed to live comfortably, housing allowances, or company housing can often make the difference between being able to take a job and looking elsewhere.

Some companies also pay fringe benefits for those night or swing shift workers. It’s a 10 to 30% increase of basic pay for working a non-standard shift. This differential shift is quite common in medical field and manufacturing.

Source by Adolph Paul

Laptop Insurance: Looking after your laptop – Some things are obvious – some are not …

You already know how much your laptop is worth. Unfortunately, there’s a fair chance that the laptop thieves as well …

Here are some tips on looking after your laptop, minimizing the likelihood of a loss, theft or damage and also shrinking the possible pain if it does happen.

First, make sure it doesn’t matter so much if you do lose your laptop:

Everything that is important on your laptop should be backed up. Buy an external hard-drive (usually about £50/US$90). Keep it connected to your laptop whenever possible. Then buy a software system that will automatically copy your essential files to the external hard-drive. “Second Copy” is a good option – www.secondcopy.com

Backup the backup – Copy the back-up files to another external hard-drive or computer. Your first may have broken or corrupted – and if you did not notice that until your laptop goes or goes wrong …

Make sure you have copies of the license keys for all software on your laptop – create a text file of the these. This makes it much easier to reinstall when you get a new laptop. For security you might want to lock this license key file away behind a password-protected system. RoboForm is handy – www.roboform.com

Don’t travel with your laptop unless absolutely necessary – obvious but true – o you really need to take it with you? Laptop theft peaks on Friday, when office workers take their laptop home with them.

Put it in a rucksack not the laptop bag. If you want to use the laptop bag eg because it has stronger edges to keep your laptop protected, put the laptop in the laptop bag, and then put the laptop bag in a rucksack. This stops it being visibly a laptop.

When your do travel with your laptop, mentally program yourself to keep hold of your laptop. On trains etc jeep it between your legs, so you can feel when it is not there immediately. There are many cases of items even being stolen from between legs at restaurants etc, so also put 1 foot through the strap.

Make sure you have got a good laptop insurance policy in place. Make sure you know exactly what is covered.

Avoid traveling on a Friday with your laptop – this is key theft-day, because many staff take their laptop home to use over the weekend. This means that Friday is key theft day.

Complete these simple steps and your laptop will be far safer – and should your laptop be lost, damaged or stolen, you will feel the pain far less.

Source by Duncan Elliott

Life insurance is essential for all of us today. Be it to cover mortgage repayments or other debts or to financially secure the family, life insurance today plays a major role in individual financial planning.

A level term life insurance policy gives an individual a consistent cover all through its term while keeping the premium constant. The proceeds can be used to cover mortgage payments or any other debts as deemed fit. There are no strings attached as to what liabilities the policy needs to cover. It is at the family’s discretion, as to how they use the proceeds.

A level term life insurance policy is a trifle more expensive than a decreasing term life insurance policy but covers its costs by giving a consistent cover compared to the decreasing cover offered by a decreasing term life insurance policy.

Insurance needs are best covered using a level term life insurance policy and this policy can go a long way in aiding perfect financial planning due to its consistent nature.

Source by Luke Ashworth

People talk more and more about life settlements and we wondering what are they exactly? Some people transformed into grater source of income, freedom, flexibility all for your luxury and enjoyment. But, how it is possible? Because, the recent financial crisis made a huge change in the financial sector, many peoples begin to think there is no safest investment in the world. But, it’s not true, a secondary vibrant market for life insurance policies are safe investment option for the investors. And fortunately, this is a low risk investment proposal for the the individual investors.

As an investment purpose, generally people think to investing in various investment markets like shares, stocks, bonds, mutual funds, forex and many more financial products. The very first thing is to do that investors need some amount of money to start the investment. After that he has to keep worrying about it, because in this scenario the return is not guaranteed. In case if the market situation turn down then what can be worst thing for investor. He will totally fall down from the top level and nothing will left in his account.

The safest way is a life insurance to gain a huge capital returns, it doesn’t affect your economy situation. It is preferred as a ideal source of security for yourself and your family. It is very important to know about life insurance policies, because when the things in life are going well and smooth doesn’t matter. But if uncertainties arises then it will affect your presence.

Most of people considering life insurance only to be a tax-saving instruments and it doesn’t prove a good source of income. In recent times, there is a tremendous growth in the number of life insurance companies. Each of them coming up with innovative and effective schemes that will definitely benefit the investors. There are various life insurance policies that only match the requirement as the basis of investors.

As a smart investor, you must be financially secured, so that your economical situation doesn’t affect during period of crisis. Any other investment could be down in result, but life insurance has always proved a successful investment.

Source by Habibulla Antule

According to the American Pregnancy Association, it has shown that there are about 13% of pregnant women in the United States that do not have health insurance during their pregnancy. In fact, there are many insurance providers in the market that provide affordable prenatal care for pregnant ladies. Let’s take a look at some common types of plans available for public.

One of the most popular programs is Medicaid. It is a federally funded program that offers medical coverage for low income pregnant women. If you are currently pregnant and don’t have any medical insurance, you may obtain more information about this program through your local health department. The most important thing is to find out your eligibility for this plan.

In the situation where you do not qualify for the government health programs, there are other solutions for you. You can look for discounted health programs which are offered by private providers. These private health plans can help you to save money on your medical bills, especially during pregnancy. For example, one program offered by Maternity Advantage offers great discounts up to 60% off of the cost of your medical care during the period of your pregnancy.

On the other hand, you may also get yourself short term disability insurance where you will get a certain percentage of your salary when you are unable to work during pregnancy due to specific health reasons.

In short, each of the medical plans for pregnant women is different in terms of premiums, benefits and total savings. Make sure you do thorough comparisons on different plans in order to find one that really suits your needs and budget.

Source by Jeslyn Jessy

Medical malpractice insurance, also known as medical liability insurance, is a requirement for most medical professionals. While medical malpractice insurance tends to be costly for healthcare providers, it is an essential coverage for medical providers. Here’s a handy guide to medical malpractice insurance.

The Basics Regarding Medical Malpractice Insurance

Medical malpractice insurance provides liability coverage for healthcare professionals in regards to errors that occur in their medical practice.  This professional coverage is outside of what a normal general liability policy will cover.

Malpractice insurance covers medical professionals for lawsuits arising from errors in the duty of the provider.  This includes coverage for bodily injury of patients who are in the care of the provider and the associated costs of lawsuits and damages rewarded.  This also includes coverage for defense costs for claims made against the provider, whether they have merit or not.

While defense costs are covered, it is important to understand if this is included in the policy limit or outside of it, as this could eat away at the limit of coverage in the policy.  In addition while malpractice insurance covers liability from errors in medical care, insurance companies will not cover acts that are intentional or criminal.

The Medical Malpractice Insurance Policy

The medical malpractice policy starts with a declaration page that has all of the basic information for what the insurance policy covers.  It starts with the insurance company name, a policy number and the effective date for which the policy is in place.

It then gives a summary of the limits of insurance and deductible.  The description of limits will have separate limits for each claim and the aggregate.  This means that for each claim the maximum paid is the each occurrence limit and for the total policy year the maximum paid would be the aggregate.

Another key piece of information on the declaration page will be the retroactive date.  This is important as the typical malpractice policy is a claims made policy and this retroactive date provides coverage for an occurrence happening after this date and reported during the policy period.

Medical Malpractice Insurance Options

When placing your medical malpractice insurance it is important to work with professionals who understand your practice and have access to carriers who specialize in providing malpractice coverage.  By doing this you will have access to more options for coverage and potentially better pricing from policy specialization and negotiation.

There are also alternatives to traditional medical malpractice written through insurance carriers.  These would include group captives and risk retention groups.  Since these alternatives are different then traditional insurance it is important to work with professionals who can handle your specific insurance needs.

Do Your Homework

By researching insurance agencies and carriers you will put yourself in a good position to protect yourself from claims and lawsuits.  Working with an agent who knows your industry is the first step in assuring a comprehensive and secure malpractice policy.

It is also important to work with insurance carriers who specialize in malpractice and are financially sound. By doing this you can ensure a sound medical malpractice insurance policy for you and your health care practice.

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Source by Russ Birch

Have you at any time essential the providers of a house insurance adjuster? Effectively, if you have at any time had a declare on your home insurance policy, the answer is most very likely yes. But for individuals who have not, you may possibly be questioning is what the position of an insurance adjuster is when it arrives to filing a household insurance claim.

Essentially, a house insurance adjuster will be the a person who helps ascertain your insurance protection, prepares and files your insurance coverage, prepares and files your declare, and determines the dollar sum of your loss in the event of a declare.

For instance, if a tornado struck the area you dwell in and destroyed your residence, a claims adjuster would arrive to your spot, survey the damage, check out the contents of your policy, and evaluate the total loss. Then the adjuster would arrive up with the total dollar sum and file the claim accordingly.

House insurance adjusters are the ones who manage all facets of the claim, not the insurance agent. And, as an alternative of you acquiring to file all the kinds and paperwork, the adjuster does it all.

What if you do not agree with the insurance adjuster’s dedication? This is a thing that can take place. In this event you can get your very own adjuster to arrive out and seem every little thing more than to get a second opinion so to speak. Subsequent, the two adjusters can operate out a compromise.

As you can see, managing an insurance claim is not as easy as some men and women think it is, in particular when it entails a total loss. And to that all of the distinct policy provisions and exclusions, and you can have a headache actual swift. With a property insurance adjuster you will not have to go by any of that.

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If you are looking for the highest quality insurance adjuster services look no further click – insurance adjuster and public adjuster.

Source by Caleb Bishop

Granted, it is always not easy to read individual insurance contract. Policyholders often have to struggle with the various terms and conditions governing their coverage, and it can get frustrating when new customers set out to find healthcare providers with products and services that match their requirements. Here in this article, we will walk you through some basic concepts used to describe the insurance business to help your job of navigating this tricky landscape.

One of the most important terminologies you may find is beneficiary. This describes the recipient of the benefits should an event under insured comes to realization (e.g. demise of policyholder). The term can be used to refer to an individual or a group.

Coinsurance is another name you will likely hear about. Coinsurance is the percentage of money the insuree pays. As an example, a coninsurance of 80/20 split means that the insured person is responsible for the first 20 percent of the covered loss while the insurance company will only take care of the balance loss.

The Deductibles / Excess refers to the amount of money the insured person pays out of pocket before the insurance company starts covering the insuree (similar to coinsurance above). As this have direct impact on the amount of payment required as premiums, you should make sure that you do your math to in order to bring down the premium requirement.

Exclusions are the medical conditions, treatments or benefits which are not covered by the plan. Some examples include hazardeaous activities, deep diving and in general voluntary participation in professional sports that are perceived to be dangerous and pre-existing medical conditions. In the previously related cases the insurance provider may reject claim requests.

The Premium is that amount to be paid by the insuree in return of an insurance coverage. It is an accepted practice in the industry for the insurance providers to offer 12 months contracts. Premium payments may occur annually, semi-annually, quarterly or monthly in many cases. You may discover that the most competitive providers will generally offer more limited benefits and services. Additionally, as suggested above a higher deductible means lower premium for you as well.

Similar to the upper limit applied onto the customers for various benefits, the insurance company also defines what is called maximum policy coverage and this spells out the maximum compensation an insurance company is going to pay when an insured event takes place.

Underwriting is about the internal assessment by insurance companies  on the possibility and probability of an insured event to happen. This is calculated to define the company’s costing and will be used to determine the required premium to be charged. It also provides some form of guideline for the company to evaluate if it makes sense, business wise, to take up such risks.

Pre-existing conditions in general describes all forms of medical conditions that have been affecting any person even before an insurance plan starts.

The above elements will provide you with some insights to select the various offers you may find at http:// www. international-healthinsurance-plans.com.

Source by Jean Ledoux, II

Reliance Life Insurance is one of the fastest growing private life insurance companies in India. It is a part of Reliance Capital Ltd. of the Reliance-Anil Dhirubhai Ambani Group. Reliance Capital Ltd is one of the top 3 private sector financial service companies in India.

Reliance Life Insurance was established in 2003 and in a short span of time, RLI launched 1145 branches across the country. The company was the 3rd largest private insurance company in terms of policy count in 2008-09. Reliance Life Insurance was also awarded by Jamnalal Bajaj Uchit Vyavahar Puraskar-2007 Certificate of Merit in the financial service category. The company’s Unit Linked Insurance Plans are more popular in the market.

Products offered by Reliance Life Insurance–
Reliance Life Insurance offers range of insurance products for individuals and groups. They are as follows:
Protection Plans-
-Reliance Term Plan
-Reliance Simple Term Plan
-Reliance Special Term Plan
-Reliance Credit Guardian Plan
-Reliance Special Credit Guardian Plan
-Reliance Endowment Plan
-Reliance Super Five Plus
-Reliance Connect 2 Life
-Reliance Whole Life Plan
-Reliance Cash Flow
-Reliance Traditional Super Invest Assure Plan
-Reliance Super Golden Years Term 10 Plan
-Reliance Super Golden Years basic Plan
-Reliance Super Golden Years Plus Basic Plan
-Reliance Super Golden Years Plus 10 Term Plan
-Reliance Super Golden Years Value Basic Plan
-Reliance Super Golden Years Value Term Plan
-Reliance Wealth+Health Basic Plan
-Wealth+Health Term 10 Plan

Savings and Investment Plan-
-Wealth+Health Term Plan
-Reliance Wealth+Health Basic Plan
-Reliance Life Money Guarantee Basic Plan
-Reliance Life Money Guarantee Term Plan
-Reliance Total Investment Series I Term 10 Plan-Insurance
-Reliance Life Premier Term 10 Plan
-Reliance Life Premier Basic Plan
-Reliance Super InvestAssure Basic Plan
-Reliance Super Automatic Investment Term 10 Plan
-Reliance Super Automatic Investment Basic Plan
-Reliance Super InvestAssure Plus Term 10 Plan
-Reliance Super InvestAssure Plus Basic Plan
-Reliance Imaan Investment Basic Plan
-Reliance Imaan Investment Term 10 Plan
-Reliance Super Market Return Basic Plan
-Reliance Super Market Return Term 10 Plan
-Reliance Traditional Super InvestAssure Plan
-Reliance Cash Flow Plan
-Reliance Endowment Plan
-Reliance Super Five Plus
-Reliance Whole Life Plan
-Reliance Connect 2 Life Plan

Child Plans-
-Reliance Child Plan
-Wealth+Health Term 10 Plan
-Reliance Wealth+Health Basic Plan
-Reliance Super InvestAssure Basic Plan
-Reliance Life Secure Child Basic Plan
-Reliance Life Secure Child Term 10 Plan

Retirement Plans-
-Reliance Super Golden Years Value Basic Plan
-Reliance Super Golden Year Value Term 10 Plan
-Reliance Wealth+Health Basic Plan
-Wealth+Health Term 10 Plan
-Reliance Super Golden Years Term 10 Plan
-Reliance Super Golden Years Basic Plan
-Reliance Total Investment Series II Term 10 Plan-Pension
-Reliance Super Golden Years Plus Basic Plan
-Reliance Super Golden Years Plus Term 10 Plan
-Reliance Super Automatic Investment Term 10 Plan
-Reliance Super Automatic Investment Basic Plan

Group Plans-
-Employers Liability Solutions
-Employee Protection Solutions
-Employee Voluntary Benefits

Reliance Life Insurance takes the next step in the insurance sector. Recently, the company launched its new insurance products into rural and micro insurance segment. Reliance Jan Samridhi Plan and Reliance Traditional Super Invest Assure Plan are the new products which provides life cover and saving options at very affordable premium cost.

Source by Habibulla Antule

Are you looking for California health insurance plans? If you are you’ve come to the right place. With several hundred of health insurance plans available in California trying to find the right plan can be rather intimidating.  In this article we will talk about the two most common types of plans you will come across and how you can determine which type of plan will best fit your needs.

HMO California Health Plans

HMO is short for health maintenance organization. With an HMO style plan you are required to choose a primary care physician who will manage your health. Your primary care physician will have to give you a referral if you need to see a specialist or to have certain medical procedures done. All medical proved must also be in the HMO network.  Your referral also has to be approved by the insurance provider before you can receive treatment. Referrals typically require paper work and lots of red tape to get approved. HMO’s are CO-Pay based meaning that you pay CO-Pay for most medical treatment instead of having to meet a deductible. CO-Pay’s vary in amount based on preformed service.

Some of the major benefits of an HMO style plan are the CO-Pays and that they include maternity coverage. An HMO should be considered if you a looking for lower out of pocket cost and don’t mind having to get referrals for specialist and medical testing. HMO’s are also the most expensive individual health insurance in California. HMO’s are offer by Anthem Blue Cross, Blue Shield Ca, Health Net, Kaiser and PacifiCare in California.

PPO California Health Plans

PPO is short for Preferred Provider Organization. With a PPO style plan you have more flexibility when it comes to your health care needs. You are not required to select a primary care physician nor do you have to get a referral to see specialist or for medical testing. With a PPO you can also seek treatment outside of the network, but if you seek treatment out of network be prepared to pay higher out of pocket cost.

A PPO plan typically provides office visits and prescription drug coverage for a CO-Pay amount but hospital stays, emergency room visits, surgeries and medical test are often subject to a deductible. The deductible is the dollar amount the patient must pay before the insurance provided cost sharing. Once the deductible is satisfied the insurance company will provide cost sharing saving till the out of pocket maximum is met. One the out of pocket maximum is met the insurance company will pay 100% of all covered medical expenses.

PPO’s are usually the least expensive California health insurance plan. They should be considered if it’s important to you to be able to choose you own doctor and specialist. A PPO plan will give you more control of you health and medical treatment. PPO’s are provided by most California health insurance companies except for Kaiser.

Source by Adam Sepulveda

Buying life insurance never seems easy for those who are seeking it. This is because the policies are so complicated and it can be difficult to understand some of the terminology. Another aspect is finding the life insurance that fits the needs of the policy holder as well as the budget that is available. There are some common questions that are asked and the following are the top three NJ life insurance questions that are commonly asked:

• Number of Policies – This is a common question that many wonder about. In New Jersey, how many policies are allowed at one time? The answer is quite simple really, you can hold as many as you can afford. There are no limitations put on this. One thing to be sure to do though is to put all of the master copies in a safe place such as a safety deposit box where they can be found easily in the event of a death in the family. If they are kept in a home, they should be in a fireproof safe to protect them.
• Is There a Need – Many people wonder whether or not they really need to have a policy. They feel that if they have enough money saved in the bank that they can afford to handle those expenses that arise when there is a need for it. Everyone needs to have life insurance if only to take care of their families. Even if there are savings, this money can be put to use on college funds or other costs that life insurance may not provide for.
• Is It Affordable – Finally, the most important question that is asked about NJ life insurance, is it affordable? A simple answer is yes, it is totally affordable. The younger you are and the healthier you are, the less you pay for your policy. Even for those who have some health issues or who are older can find a policy type that fits their budget.

There are many other questions that can be asked, but if you stick to the top three, you find that there is no reason not to have life insurance. NJ life insurance is affordable, offers a security blanket for the needs of the family and you can have as many policies as you can afford. All you need to do is decide which policy is right for you.

Source by Lisa Mason

TONIK from Anthem Blue Cross is a new concept in PPO (Preferred Provider Organization) health insurance.

The plan is marketed exclusively by the web, and agents who sell TONIK link to an online enrollment interface that the insurer hosts.

While the success of TONIK itself it notable, the reasons for the success are even more surprising. First of all, TONIK is described not only in plain language, but also in appropriate slang for the target audience. Even the plan names are intended to please the young target buyer…

“Part-Time-Dare-Devil”, “Thrillseeker” and “Calculated Risk Taker”. Quite a departure for a venerated company like Anthem, who for years extolled tradition as a central value for health insurance.

Probably even more than the names, ancillary benefits (dental and vision) entice buyers to choose TONIK. You may never have a heart attack, but you will certainly need an eye exam and a teeth cleaning.

Each of the three varieties of TONIK include dental and vision benefits, without an additional cost. So while you want the coverage in case of an accident, you know you will use the Dental and Vision for sure.

I don’t think it will be long before other companies create exciting (as exciting as insurance can be) health plans to compete, but in the mean time, TONIK is setting records for a 65 year old company, and that is saying something.

More…

TONIK

Source by Jeffrey Peterson

When buying brand new cars, there are a lot of things to consider besides the sticker price. Not the least of your concerns should be car insurance costs. Surprisingly, less than 10% of people who purchase new vehicles consider insurance expenditure. For instance, what if you were on the market for a Toyota hybrid car?

Sure, hybrid cars (vehicles that are powered by both an internal combustion engine and an electric motor) are good and all but are you fully aware that they may cost more than the average car when it comes to insurance? So before you buy that Toyota Prius, Camry or Highlander, consider the following points.

• Easy on thieves’ eyes. Hybrid vehicles are quite popular today, often with long waiting lists in several cities. This also means they are major targets for thieves – as what usually happens with anything seen as different, desirable or new. Insurance firms perceive a higher probability of theft as a good likelihood that you’ll be filing a claim. To offset this scenario, insurers charge consumers more.

• Size matters. Smaller cars generally cost more to insure since there is a greater chance of injury in case a vehicular mishap occurs. Minimal or limited crumple zones suggest less protection, particularly when it comes to head-on collisions. As such, insurance firms will think that they’ll be forced to pay out a liability or medical claim with such cars.

• Pricey fixes. Toyota hybrid vehicles (or any hybrid car for that matter) cannot be repaired just anywhere by a regular mechanic. They need to be returned to the dealer, especially if the drive system is affected. The insurance outfit interprets this as a greater cost on their part in the event of accidents happening. Even areas where there are trained mechanics to work on hybrid cars, no off-brand parts are yet available for fixing the power system. Although OEM parts are usually covered for hybrid cars, replacing them does not come cheap.

The good news is that even if all the factors mentioned above lead to higher car insurance premiums for hybrid car owners, there are also plenty of credits and discounts that you might be qualified for. Here are some examples.

• Discounts for considerable driving experience or clean records. If you have at least a decade of being behind the wheel, and good driving record at that, then you may be qualified for a discount.
• Good credit begets credit. If you have a good credit score, then chances of getting a good car insurance rate are higher.
• Home-car discounts. Are you a homeowner too? Save money on auto insurance by putting your car insurance and homeowner’s policies under one provider.

Owning a hybrid vehicle is seldom about the money. Most people consider it as a deliberate and conscious choice to be more earth-friendly. Still, knowing about potential related costs or expenses never hurts.

Auto insurance premiums can significantly add to the yearly cost of owning a car. If you’re thinking of owning a Toyota hybrid car, do look at the pros and cons in detail.

Source by Joe Deacon

When exactly does the term life insurance effective begin? That’s a great question with far reaching implications if benefits are triggered while in the application process. Let’s take a look at effective dates and the other potential clauses that are common for life insurance policies.

To determine the effective date, we need to look at another fancy insurance term called “offer and acceptance”. Keep in mind that the application and policy itself are contracts between you and the life insurance carrier. With life insurance, offer and acceptance essentially speaks to the fact that both parties agree to the contract. The applicant confirms his/her agreement by completing the application and submitting an initial premium amount. The carrier, after completing the life underwriting process, will send formal notice of approval which is the company’s agreement to the contractual terms and obligations of the specific life insurance policy. The “offer” is the applicant’s submittal of signed and completed application plus premium. The “acceptance” occurs when the carrier agrees to the coverage and issues an approval of the terms. The carrier is accepting the applicant’s “offer”.

What if the applicant submits the application but not premium? A common question we hear with insurance is why premium needs to be submitted up front before the carrier makes a decision. It is precisely due to the offer/acceptance clause of the insurance contract described above. Without the premium submittal, there is no “offer”. In this case, the carrier makes the offer if it issues a policy and this policy is received by the applicant. “Acceptance” only occurs when the applicant sends the corresponding premium.

Why is this important in terms of the effective date? With most carriers, the effective date will not occur until the premium is received and the carrier may request a statement to confirm the applicant is in good health before issuing the policy. If health changes or an applicant passes away while in underwriting, this difference is critical (understatement). Due to this, our recommendation is to submit payment up front with the application to avoid such a situation. It does happen and you would hate to be a few days short on such a big deal as life insurance protection.

A receipt is usually generated when the application/payment is submitted. Depending on the carrier/plan, this establishes the effective date of the policy. If a receipt is not given, the effective date may be pushed out to when the policy is issued and delivered to the application. Delivery in many cases constitutes the effective date of the policy. This can be manual delivery or in today’s world of people purchasing term life insurance policies online, via emailing and/or mailing of documents. It’s important to look at your policy of choice and understand how the carrier establishes effective date.
In some cases, the term life application may ask the carrier to backdate the effective date after approval in order to get a younger age and a resulting better rate.

The effective date also affects the contestability clause (period usually of two years during which the carrier can contest the policy based on missing information or misrepresentation) and the suicide clause (usually two years). These clauses start counting from the assigned effective date.

Source by Dennis Jarvis

If you are going to buy dental insurance, you should know the types of coverage that they can offer you. The main reason why people buy dental insurance is that they want to protect their teeth from dental problems such as gingivitis and cavities.

This can be done by regularly visiting your dentist, regular cleanings, as well as regular x-rays. Unfortunately, dental insurance does not come with health insurance. There are some HMO that offers it but not all. If they do offer it, they don’t cover the whole dental operation.

Those who buy dental insurance know that they should invest in it because by having this, they wouldn’t have to pay for everything. The insurance will cover a huge percentage of the total cost. Sometimes, the insurance can cover the entire bill. It depends on what kind of policy they signed up for.

If you are going to buy dental insurance, get the better alternative which is the discount dental plan. There are a lot of people who steer clear of the dentist the minute they find out that the plan they have will not cover their dental operation.

They think that they would have to pay the full price. There are also some people who simply don’t go because they couldn’t afford the dental operation, much less a check-up. But if they are going to buy dental insurance anyway, they can just go to the discount dental plan and enjoy the benefits of having a dental plan.

However, a discount dental plan expects three things from their clients in exchange of the discount on the services they provide. First and foremost, they must pay the annual fee. They shouldn’t worry because it is a low annual fee anyway.

They should also only visit the dentists that are part of the network. They should also pay for the whole price of the dental care after every visit. They need not be overwhelmed with the word “in full” because that already has a discount.

Those who buy dental insurance are worried that the plan might not give them the best services because it is cheaper than the normal rate. They should know that dentists love participating in these plans because they get their money after every consultation and operation.

They don’t have to wait for days before they get paid. At least with the discount plan, they can expect their fees on the spot.

Just like any negotiation, there are trade-offs between dental discount plans and dental insurance coverage. To determine if this makes sense and if it is indeed practical for you to buy dental insurance, you should bring out your dental bills from previous years and calculate.

If you are going to save more with insurance, then go for it.

Source by Ricky Lim