insurance

Q: Is it a good idea to look for online car insurance?

A: Online car insurance can help you to find the best deals as you can search information quickly. In many instances you can compare rates and quotes side by side to see who is offering the best deal on coverage. You can also read the information that is part of the guidelines for any insurance policy. This is important to do and you can do so without feeling pressured to move forward with the purchase.

Online auto insurance is also very convenient as you can shop for it 24/7. You can not walk into an insurance company at 7 pm, on a Sunday night to find out what they offer. You may be able to call their customer support but chances are you will be on hold for a while. Then it looks to take them forever to go through their sales pitch before you can give them the information to offer quote.

Compare the rates you get on the Internet can allow you to make the very best decision as to which company to go with. You can also look for more information than just the prices. You can compare customer service, the types of coverage offered, and even find out what you are required to have by law just by entering your zip code. Online car insurance is very fast and convenient when it comes to helping get a great deal.

We strongly encourage you to obtain some online auto insurance quotes from several different companies. It is fast, easy, and you might be shocked at just how much money you could be saving on your coverage. …

The entire process ofwriting has been known to upset many people who apply for disability insurance. This is mainly because people have unrealistic expectations and their agents do not prepare them for the process. This article is an endeavor to explain the disability insurance underwriting process so that people have better understanding.

If you are applying for disability insurance (DI), it is important to realize that you will not get a policy exactly as you applied for. The underwriter can reduce the amount of coverage, place exclusion riders, increase the rate, decrease the benefit period or even offer you a completely different policy. The other end of the spectrum is complete denial of coverage.

The first step for getting the insurance is to fill the application. Do not expect your agent to fill it out for you as this can cause you a lot of damage to your Medical Information Bureau file. Take time to fill out the application yourself and make sure you fill it out in detail. This will ensure that there will be no follow-up questions during the ongoing process. It will also eliminate the need for doctors' medical records.

When you come to the part about explaining your occupation, make an effort to put yourself in the best possible light without lying. The higher the occupational class given by an underwriter, the lower will be your premium rate. For example, a computer consultant is graduated lower than a computer engineer. Therefore, an engineer pays a lower rate than a consultant. It is quite possible that your occupation is something vague so you should make an effort to give a complete picture of what you do. If necessary give a breakdown of your time which includes travel or meeting clients.

The application also has a section for financial history and most insurance companies will want to know what you are currently earning and what you earned in the last couple of years. This should be supported by a W-2, tax return and / or pay stubs. When it comes to disability insurance underwriting, you will always get an offer based on what your financial status is and the amount of documentation you can give to verify it. For example, you are making $ 150,000 but can only produce documents for $ 100,000, you will get an offer for $ 100,000 and not the other way round.

The third and most important part of your application is your medical history. An underwriter will want to see your medical history for last 10 years. Therefore, the more information you supply to the underwriter through your application, the less information he or she would have to dig out. Make sure you list every doctor you have visited in the last 10 years, along with their addresses and the reason for visit. …

Why the Affluent should consider Earthquake Insurance.

Why Older Owners of Homes should Consider Earthquake Insurance

Why Earthquake Insurance Becomes more Useful as you pay down your Equity

Have you faithfully been paying down the mortgage on your primary home over the past 15 years? Just starting to feel like you are getting ahead?

Be careful, you may be at an increased danger of losing your hard fought principal balance in your home if you live in earthquake country. Although paying off your home is generally a good thing, there are new issues to be aware of. How is that exactly?

As you carefully pay down you mortgage loan and become more affluent, you slowly accumulate a”nest egg” within your nest (in your home.) However, many people expect to tap that equity when they hit retirement either by selling the home, refinancing, or possibly through a reverse mortgage.

But as you accumulate funds in your home, you need to make sure they are properly protected. Your home insurance (homeowners) should be rock solid, with a highly rated and respected insurance carrier. It should be on the broadest coverage form possible. However even the most broad form of home insurance excludes two main perils. These two perils, both can be covered under separate forms: Flood and Earthquake. Flood insurance should certainly be considered, and in high risk flood zones, it is often required by the lender. But Earthquake insurance is not required by banks. Therefore I find that it is rarely if ever considered.

Time to Consider it Again:

15 years ago, earthquake insurance was rarely sold and pretty expensive. Times have changed. Earthquake insurance for most structures can be purchased through the California Earthquake Authority (CEA) and through several standalone earthquake insurers such as ICAT, Geovera, Palomar, and Arrowhead. There are more. These companies are now openly competing for your business. The landscape is slowly changing. Higher deductibles, separate deductibles, and extended coverages for things like pools have really made it more affordable and customized.

What is your Nest Egg worth to you?

If you really are expecting to retire on the equity in your home, you need to be defensive. The best defense for a home, is good insurance. California has had many devastating earthquakes in the past and likely will have more to come in the future. Although homes are built in accordance with much more stringent rules and safeguards, no home, regardless of what you may believe, is impervious to all earthquakes. Destruction of your home could take years to rebuild and involve costs far exceeding your wildest expectations based on the concept of Demand Surge. What is Demand Surge? Demand surge is the principal of costs spiraling up as resources become more limited due to the size and scale of an event. Think its difficult to hire a contractor now? Wait till half the town has been torn to shreds by a big quake.

Destruction Not Complete:

Many people falsely believe that just because …

Finding affordable automobile insurance for your Arizona vehicle may not be as difficult as you think. Shop around on the Internet for alternative quotes from various companies.

There are discounts and savings that you may not be aware of as follows:

1. Multi-Line Discount: Insurance companies offer discounts to policyholders that have more than one line of insurance coverage with them. Seek insurance quotes from the insurance company that is currently writing your homeowner or renter's insurance policy. Be sure to make them aware that you have other lines of coverage placed with them, especially if you're seeking quotes over the internet.

2. Non-smokers: Non-smokers are a more favorable risk to insurance companies than non-smokers. Now there would be a good time to kick the habit for both your health and your pocket.

3. Vehicle Safety Features: Newer vehicles come equipped with airbags and automatic seatbelts. These features and others like anti lock brakes will server to lower your auto promotions.

4. Higher Deductibles: How much can you afford to pay out of pocket in the event of a collision or comprehensive loss? If you can afford to pay the first $ 500 or even $ 1,000, you will earn a premium discount for the higher deductible. Get alternative quotes with various deductibles. Make sure the premium savings is worth the extra out of pocket expense. Remember, the deductible applies to each loss, not just the first one.

5. Accident Free: How is your driving record? If you have a clean driving record without accident or points, ask your insurance company for a clean driver discount. Companies may call it by different names, but make sure you specifically ask the question how much is my clean driving record saving me?

6. Multiple Auto: Insuring two vehicles with one insurance company is cheaper than two separate policies. If you have more than one vehicle, it only makes sense to cover them under the same policy. …

With the Independent Commission on UK Banking recently issuing its long awaited report on the state of our current banking landscape, the opportunities contained within it to improve retail banking customer service have been seemingly ‘lost in the noise’ – with our government apparently wanting to deflect attention by kicking it into the long grass.

But there is no escaping headline issues that emerged from the final report of Sir John Vickers and colleagues, namely how do we cope with banks that are too big to fail and how do we stop the risk of speculative investment banking toxifying retail accounts?

Retail UK banking, in contrast to investment banking, should be a simple business in which the bank takes our savings, marks them up and lends them to others, or vice versa. But this simple process has become an unwieldy beast with almost everyone you talk to having a retail bank atrocity story.

A recently conducted study of 1,000 nationally representative retail bank customers, with almost 70% believing that banks don’t care very much about what the public think of them, over 75% rating the public image and reputation of the banks’ retail operations as mediocre to dreadful, and an eye-watering 86% thinking that the image and reputation of the banks will not improve or will actually decline over the next six months.

Two influences, linked but not identical, seem to be at work. The first factor is the momentum towards online banking and the spotlight that puts on the slow and ponderous ‘old way’ of doing things. Ask yourself which is preferable – accessing a bank account from the train, your own home or an office, or trudging round to the bank in the rain and joining a queue? Older customers feel less habituated to the online world but the young customers ‘voting with their feet’ adds considerable impetus to this inevitable online momentum.

Thirty years ago a very senior UK bank official remarked in an unguarded moment that High Street banking was hopelessly and irredeemably uneconomic – and nothing that’s happened in the intervening years has made that judgment less telling.

The cost of maintaining a local branch network has become a dead weight hung from the necks of banks. If bearing this burden produced contented customers there might be something to be said for it, but it simply fails to do so. Branch managers have largely been deprived of the power to make decisions on loans, thereby further reducing the reasons to bother visiting the branch. When did you last do so? First Direct has responded to this economic reality with the intelligent stratagem of not having any branches. Yet how have other banks responded?

The second factor is the way retail bank brands are built, maintained and developed. Various studies show that marketing slogans, for example, have very low recognition amongst the public and the only one that had any genuine customer awareness was HSBC’s ‘the World’s Local Bank.’ This slogan was launched in March 2002, …

I have a confession to make. There was a time when I did not give much thought to disability insurance.

As though it was yesterday, I can recall an insurance agent approaching me. She wanted to discuss a plan that would allow me to continue to support myself and my family should I become disabled due to an accident or an injury. At the time I thought, I'm young, I've never been hospitalized, (other than for childbirth). I've not suffered any serious injury or so much as a lengthy illness. There's a time to make a decision about this later.

I never discussed this with my husband. I planned to think seriously about the subject when it was time. Like, when I was older or when my health started to fail. Beside, I figured, if I was faced with an accident or injury my husband would care for me and my needs.

That's the way it was supposedly to work.

I had no idea that an ice covered expressway with fresh snow would play a huge part in testing my plan, (or lack thereof). On our way home from a friend's party one evening the car in the next lane hit a patch of ice and lost control of his car. When our car finally came to a stop we had been hit twice and I could still hear the cars behind us slamming into each other. As far as I know, there were 19 cars and one fatality involved in that accident. Some said we were fortunate that my husband only lost sight in one of his eyes.

For me, one challenge was learning to juggle the task of recovering from a closed head injury while caring for a baby who was only months old. Another challenge was unfortunately trying to stay upbeat for my family in the wake of our financial situation.

My husband and I had never discussed how we would keep our household running if he was unable to work due to illness or injury. We literally watched our financial security fade. We were faced with losing our home and cars. Our savings quickly dwindled down to nothing. There was no money for utilities, monthly expenses, routine financial liabilities and additional expenses. We had to borrow money from family to stay afloat. This was painful for my husband since he was the primary breadwinner.

Due to the added stress we were experiencing, it was difficult for either one of us to concentrate on getting well. Endless doctors' appointments and the mounds of pain medication we had to take intention we could no longer care for our children and had to send them to my Mom out of state.

Although I never thought much about disability insurance before, that experience was a wake-up call for me. We were faced with the realization that we were not too young, too healthy, or too financially secure to protect our most valuable asset: Our ability to earn a living.

According …

Dental care treatment has become an absolute necessity for millions of people worldwide; In spite of improvements and advances in dental care and health, people are afflicted by gum disease and tooth decay. Till a few decades ago, bridges and fixing dentures were two main options for treating people with missing, broken or in situations where teeth have to be surgically removed.

Modern day dental care includes dental implants that are replacement teeth roots. An implant can support one or more artificial teeth; The implant is a screw made of titanium that is fixed into the jawbone in place of a tooth root when it fails. They provide a strong foundation or base on which removable or permanent teeth can be fixed to match existing natural teeth.

There are many advantages to dental implants, some of which are:

• Greater comfort – dental implants can help avoid discomfort of fixing and removing dentures.

• Ease of chewing and eating food – dentures do not always fit 100%; With use they become less fitting and chances of slipping out while chewing food are high. With dental implants, this problem is eliminated.

• Better oral health – dental implants do not require other teeth to be modified or adjusted so ensuring that more natural teeth are left unharmed thereby improving dental health and hygiene in the long-term.

• Improvement in appearance – since dental implants are so designed that they fuse with the jawbone; They become permanent and feel like natural teeth.

• Speech improvement – unlike slurring or mumbling sometimes caused by dentures, implants do not slip ensuring better speech and communication.

• More confidence and self esteem – a good smile brings back confidence and a spring in the step.

• Convenience – dentures have to be removed and cleaned everyday; With dental implants this is not necessary at all.

• Durability – dental plates can last a lifetime with proper care and regular dental check-up.

Implant Procedure

Most dental implants can be safely done in the dentist's office under local anesthesia. A slightly more complicated procedure may require hospitalization and intravenous sedation. Every dental implant procedure is different because it involves the patient's preference, the experience of the dental surgeon and the overall need of the situation.

The procedure usually necessitates a three-step process because each stage requires time to heal.

Step 1

This involves placing the dental plate flush into the gum, burying it like the root of a tooth would be. This is to give time for healing and to protect the implant from force. Once the healing period is over, the dental implant is exposed by surgically removing some of the gum covering it. This integration process is known as 'osseointegrate'.

Step 2

In this step, the dental surgeon examines the implant to see if it has integrated successfully into the gum and places a post or 'abutment' which is drilled through the gum. As the area around the gum heals it forms a collar which …

It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!

1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.

2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.

3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.

4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.

5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.

6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. …

The cost of health care is high and does not show any sign of becoming low in the foreseeable future. This has made affordable health insurance almost a dream for most people. However, there are ways you can reduce your costs. Some may require a readjustment in their lifestyles; others may require just a little discipline. Let's take a look at what we all can do …

Graves are usually dug with picks and shovels, however, a lot of Americans are digging their heads with their forks and knives. The percentage of Americans that are overweight is a little disturbing. If you're part of that overweight percentage, your policy is surely costing you more than your slim counterpart.

You can help yourself by watching what you eat and how much you eat. America, most of us eat too much. We could use (or rather, we'd be better off) just a fraction of our daily intake of food. It's worse if you factor in the intake of junk food and high carb foods. Things that we will all do better without.

Do not give me that look. You can help it. This article is not about how to do it (You can search for those online). I'm just telling you you can do it and that so doing will make your health insurance more affordable apart from helping you enjoy life better.

Please, quit smoking if you do want to live long and pay less on health insurance while you're alive. You can not use tobacco and expect to pay anything but very high premiums.

While you adjust your lifestyle and discipline your appetite, you can get the most affordable health insurance possible for your current profile by visiting quotes sites. I recommend that you visit at least three reputable ones.

Get and compare your quotes from these sites and you'll be surprised at how much you've saved on your plan. …

There is no doubt that racing – whether by auto, motorcycle, truck or other vehicle or animal – is a very hazardous sport. It is for this reason that insurance coverage is so important for the driver and track owner or sponsor.

Racing Car Driver Insurance

Known in the industry as AD&D Coverage, this insurance is designed specifically for the racing car drivers. Providing accident and health coverage for competing drivers, the companies that write this type of indemnity are most likely in the market for other sporting industries. In regard to racing car drivers, disability limits differ according to each individual insurer.

Vehicle Racetrack Insurance

If you have ever been part of the enthusiastic audience viewing a car, motorcycle or any other recreational vehicle race, you can well understand that there are significant risks to safety. Much like any highly populated sports event, there is the issues related to crowd control and bleacher hazards. In regard to third-party injury claims, vehicle racetrack insurance covers the owners and/or sponsors behind the event.

Specific scenarios in which a lawsuit may be initiated by an injured spectator include:

• When a grandstand or bleacher folds and falls

• When a member of the crowd is impacted by a participating car collision or accident

• When someone watching a practice session or actual race is hurt by debris hurled as a result of an accident

This particular coverage does not include protection for owners of vehicles or sports car drivers. Refer back to the above summary about racing car driver insurance for more on the topic.

Animal Racetrack Insurance

Prime examples of animal racetrack participants are horses and greyhounds, but other animals are also included. Significant risks include exposure to hay and any other combustible matter that is general part and parcel of the property. On the other hand of course, there is also the potential of damage to the involved animals as well as the possibility of damages caused by the animals to consider. The related liability factors are very much the same as any other sporting event. However, the fact that animals and employees and spectators are so close to each other, places an underscored hazard risk at the racetrack.

Then again, many of the racetracks have ongoing betting activity which clearly leaves exposure to criminal activity, defined by the indemnity industry as dishonesty exposure. When eateries are also a part of the framework, the related restaurant risk exposure and liquor liability exposure go hand in hand.

For more about related business insurance coverage, speak with an experienced independent agency that has your best interests in mind.…