Category Archives: Insurance

It seems a grissly subject but it’s going to happen eventually so we’d best be prepared. So what is last to die life insurance? Sometimes called second to die life insurance, or joint and last survivor insurance, it insures two people (the parents) and is typically used to pay estate tax liability. This is because estate tax and settlement costs can be extremely expensive and ma......

Aided by the Internet, term life insurance with no medical exam has now become widely available. There are numerous term life insurance providers that offer instant approval for term life insurance plans with no medical exam. You can also get online term life insurance rates from various insurance providers at just the click of your mouse. This convenience allows you to shop and compare ins......

Every year, thousands of boating accidents happen in the United States. Out of this, 60 percent results in some kind of injury. Aside from accidents, boats also get stolen. This is why it is very important to get boat insurance. With all the dangers, it would be crazy not to get boat insurance. Here are a few useful tips when shopping for boat insurance. 1. You should look for an insurance......

Do you need affordable term life insurance? This seems to be the million-dollar question. When you want to purchase life insurance you often do not know how much you need or if there is such a thing as having too much life insurance. What constitutes affordable life insurance and how much you need is totally dependant upon your own situation. Don’t be fooled into determining the amou......

When it comes to life insurance we have two primary types of policy to choose from term life insurance or whole of life insurance. Many people find it hard to come to a decision about which type of policy to take out but the decision you have to make really isn’t that complex and both will offer good levels of cover for the majority of people. Let’s take a closer look at your op......

In 2003 health care spending rose four times the rate the inflation. The annual premium for an employer health plan covering a family of four averaged nearly $10,000. The cost of medical care continues to rise at the fastest rate in history. Health insurance premiums will rise to an average of more than $14,500 for family coverage in 2006. Surveys reveal that the number one reason many peo......

How much do you pay for Car Insurance every year? Eight hundred dollars a year? One thousand? Two thousand? Whatever the amount you’re paying now, you can slash that amount by more than 50% by simply following a few simple strategies. Can you cut your car insurance costs by investing only 30 seconds of your time? No, that can’t be done. But if you’re willing to spend 30 ......

In Part 1, we detailed the first five strategies on how to cut your car insurance costs. In Part 2, we show you the second five. STRATEGY 6 – Review, Change or Cancel No Fault & PIP (Personal Injury Protection) No-Fault Coverage, and it’s Twin – PIP – started out as great idea’s. Your premiums were actually going to be lowered. Then, your State Politician......

In general, group health insurance plans offer many advantages over individual health insurance. These include smaller premiums, better tax concessions, and extended coverage. Virtually all business owners can qualify for group health insurance. Furthermore, because you represent a bigger chunk of business to the insurance carrier, you can usually negotiate terms and conditions quite a bit a......

One of the UK’s biggest life insurance companies recently pointed out that only 1% of life insurance policies are written in trust. This should not be the case and in this article we explain why. By having your policy Written in Trust”, it means that if a claim is made, the beneficiaries named on the policy receive the payout directly. If you’re not in the know, then you ......