Monday, December 18, 2006

Life Insurance For Smart People

Life Insurance for Smart People There are more life insurance choices than
ever for consumers and here's how to save time and money getting the best
deal on buying your life insurance.

Consumers have become more savvy about buying their life insurance and have
turned to the web to make it happen.

Life Insurance Medical May Not Be Necessary

Although you might still need a medical, you can usually handle most of the
process on the web and over the phone. If you compare prices and policies,
you will see a company's financial worthiness, along with the security it
offers.

But What Type Of Life Insurance Should I Purchase?

To make an informed decision, you need to know what the company will charge
and what is its credit rating. You need to know why you are buying the life
insurance and how long you need it to last. If you're reasonably
knowledgeable about term and permanent insurance, you know that term
insurance is the cheapest form of life insurance and that is the type
preferred by most people.

If you have a large estate, you life insurance policy may be part of an
estate plan. These plans may include a last-to-die insurance policy to
reduce your taxes. However most people are trying to protect their families
and for that the best product is term life insurance. You should buy the
amount of life insurance you need for that particular time. And as your
needs increase or decrease, you should increase or decrease your purchase of
life insurance.

One thing most people don't do, and indeed, avoid doing, is realizing that
they need to compare prices. If you are buying a baby stroller or TV set, do
you compare prices? Of course you do; how else will you know how to compare
value? But to avoid conflict with a spouse or to avoid a long drawn out
process, you take the first offer that comes along.

Well that's not the way to do it. You need to find a broker, online is best,
who does the comparing of premiums for you.
Then all you need to do is to take the offer from the best and cheapest
company. That way, you'll know for sure that you have the best deal on your
life insurance.


About The Author: Ivon T. Hughes, The Hughes Trustco Group Ltd.
Online Insurance Broker - Get a FREE Quote TODAY! Tel: (514)
842-9001 Email:info@trustco.ca Web:
http://www.hughestrustco.com

Private Medical Insurance. Experimental Treatments Could Now Be Covered.

Private medical insurance policies can be very particular about what they do
and don't cover. For example, if you are insured with Bupa, then you will
only be covered for experimental medical treatment if it is part of a bona
fide medical trial or study. And Norwich Union Healthcare stipulate that
treatment is only covered if it is considered to standard practice in the
UK.

So what happens if your doctor recommends that the best course of action
would be to have a newer type of treatment, rather than a long established
standard procedure? For the sake of your health, you will probably be
wanting to take your doctor's recommendation. However, many private medical
insurance policies simply do not allow for this.

The issue has come to light as a number of people have been recommended
experimental treatment, only to find that the insurer will not cover it.
These people complained to the Financial Ombudsman Service (FOS) who, in
some cases, rules against the insurers. One of the treatments that has
emerged as something that should be paid for is a new form of varicose vein
surgery. Standard practice in the USA for the last five years, insurers in
the UK were refusing to pay out until the FOS made their decision.

A type of larynx surgery which is performed by laser is also now to be
insured, as is bladder surgery carried out by keyhole rather than through an
open wound, and a new type of spinal treatment which means vastly reduced
side effects.

However, the FOS has only been able to overturn insurer's decisions on
policies in which experimental treatments are not specifically stated in the
policy as being excluded. The Ombudsman can't do anything about those
policies that do specifically exclude experimental treatments.

The FOS has pointed out that just because they have ruled against the
insurers, it doesn't mean they are endorsing specific types of treatment.
They also said: "If the policyholder has been advised by his or her treating
physician that, in their particular circumstances, they should have a newer
treatment instead of an established procedure, our general view would be
that it could be unfair for the firm to turn down the claim entirely."

As a result of these recent rulings, insurers may well reconsider how they
deal with experimental treatments in their policies. Insurers say that they
act in the best interests of their customers, and if they are asked to fund
something that they consider to be against the best interests of the
patient, then they will reject the claim. However, one insurer, WPA, has
admitted that if the customer's doctor does recommend a particular course of
experimental treatment, and there is a very good reason why that treatment
is better than any other, then they will pay out. Norwich Union Healthcare
has already said that they will be reviewing their policies in the light of
the FOS' rulings. As for Bupa, it has expressed concern that customers will
be claiming for procedures or drugs that have not been fully tested in the
UK.

At the moment, it's a case of 'watch this space'. If you are thinking about
getting private medical insurance, then keep this issue in mind when you
choose your policy. It would be very frustrating to be recommended a
treatment, and then find that you are not insured for it. Remember to check
out the Internet first for the cheapest policies, most private medical
insurance policies offer a lot of advice and information on which policy is
best suited to you, which can be very useful with all the choice out there.


About The Author: New and up to date articles from insurance explorer
http://www.insurance-explorer.co.uk

Higher Insurance Premiums Anticipated For Home Owners

According to the Wall Street Journal Online, some insurance companies are
now passing along the higher costs of payouts resulting from hurricanes such
as Katrina, Wilma and Rita to homeowners. In fact, some insurers are
withdrawing from coastal areas altogether, after incurring an estimated $56
billion of hurricane-related losses. With long-time insurers such as
Allstate Corp. and Nationwide Mutual Insurance Co. leaving some vulnerable
areas, homeowners are forced to find new insurance coverage that usually
comes with a higher price tag.

With home insurers getting regulatory approval to increase premiums in
states hit by hurricanes, even states that were untouched by hurricanes are
expected to bear the brunt of this hike. Citing increase in reinsurance
costs as a major contributing factor, many insurers such as Allstate are
seeking approval to increase premiums in as many as 49 states.

Insurance Companies are now reviewing their underwriting process and trying
to enforce stricter guidelines on whom to insure. Industry experts estimate
that insurance premiums will climb even higher when homeowners renew their
policies this year.

Insurance premiums have already increased in Massachusetts, which hadn't
experienced a devastating hurricane in the last 50 years. Moreover, some
insurance companies are not writing new policies in areas such as Cape Cod,
Nantucket and Martha's Vineyard. Homeowners living in these parts are forced
to seek state insurance to cover their homes, which usually costs more than
private insurance.

Homeowners in several states are bracing themselves for likely rise in
premiums due to increased reinsurance costs. Rhode Island has already
experienced increases in home insurance premiums by 10 to 15 percent over
the last year. Insurers are reducing risk exposure by shifting some of the
financial risk to homeowners with higher deductibles for windstorm damage.

For homeowners, dealing with the premium increases must be familiar
territory. Premiums have been going up over the past few years following
natural disasters in the 90s such as Hurricane Andrew (1992). According to
experts, the best path for homeowners to tread is to go for policies with
higher deductibles and lower premiums. Homeowners should avoid filing minor
claims, which may increase their risk of being dropped by their insurer. It
is also best to buy home insurance from firms with a strong financial
rating.

Source: The Wall Street Journal Online, M.P. McQueen


About The Author: http://www.sdhomedatabase.com http://www.la-jolla-home.com
http://www.mira-mesa-homes.com

Affordable Child Health Insurance In San Antonio Texas

Finding affordable health insurance is no easy task unless you are employed
by a business that offers a health benefits package. Unfortunately, not
everyone works, or works for an employer who offers a group health insurance
plan to his or her employees. If you or your spouse doesn't have affordable
health insurance in San Antonio, Texas, how is your child supposed to obtain
affordable child health insurance? Imagine trying to find affordable child
health insurance for your child if you're having difficulty finding
affordable health insurance for yourself.

If you live in San Antonio, Texas, or anywhere in Texas for that matter, and
have a child or children who are without adequate health insurance, you may
want to look into Medicaid for Texas Children.

Medicaid for Texas Children is both a state and federal assistance program
that provides children with excellent comprehensive health insurance at
affordable prices or at no cost at all. To be eligible for Medicaid for
Texas Children, a child must be a resident of the United States and of
Texas, under the age of 19. The family of the child applying for Medicaid
for Texas Children must meet the Medicaid of Texas Children income
requirements.

If a child belongs to a family that receives Temporary Assistance for Needy
Families, also referred to as TANF, the child will instantly qualify for
Medicaid for Texas Children.
Otherwise, the child's eligibility is determined by the Texas Health and
Human Services Commission, also referred to as HHSC.
If a child is found to be eligible for Medicaid for Texas Children, his or
her family's financial status may be evaluated every half year or so to make
sure the child is still eligible.

For more information about the Medicaid for Texas Children program, visit
the Texas Department of Insurance Web site, or give them a call. You can
also visit the Web site of the Texas Health and Human Services System.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/health
http://www.ezquoteguide.com/car/

Affordable, Low Cost Health Insurance

Finding affordable, low cost health insurance may seem difficult, but with a
bit of planning, searching, and researching you will be able to find a
health insurance policy that offers the coverage you need at a low cost
price you can afford.

Follow these steps to get started.

Look at your budget. After you pay your monthly bills and set aside enough
money for essentials such as food and gas, how much money do you have to
spend on health insurance? Be truthful with yourself. Do not imagine money
that is not there, and do not overlook money that is. You want to spend
enough for adequate health insurance, but you do not want to put yourself in
a bind. Once you are aware of your budget, you can begin searching for
health insurance that is low cost and affordable according to your budget.

Consider your options. The ideal option is probably your employer or your
spouse's employer. If you have the option of purchasing a group health
insurance policy from your employer or your spouse's employer, choose it.
Group health insurance policies are usually the most affordable, low cost
health insurance policies available. Of course, not everyone has that
option. If you do not, consider contacting your state's insurance department
to find programs that offer affordable, low cost health insurance plans for
which you're eligible.

Research several health insurance companies. If you are not eligible for any
programs that offer affordable, low cost health insurance plans and have
opted to purchase an individual health insurance plan, make sure to research
several health insurance companies before making a decision. Getting
affordable health insurance at a low cost will not matter if the health
insurance policy does not provide the exact coverage you need.

You should not rush when searching for affordable, low cost health
insurance. Consider your budget, explore your options, and find a policy
that is right for you.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/health/
http://www.ezquoteguide.com/car/

Affordable Low Rate Health Insurance

The easiest way to obtain affordable, low cost health insurance is to
purchase a low cost health insurance plan through your employer. These
health insurance plans are usually Health Maintenance Organizations (HMOs)
or Preferred Provider Organizations (PPOs), and - even better news-
purchasing a low cost health insurance plan through your employer usually
means that your monthly premiums are deducted from your paycheck, much like
taxes are. If you're lucky, you won't even miss those premiums!

Yet, not everyone is fortunate enough to work for an employer who offers
affordable, low cost health insurance. Actually, some people aren't even
able to work at all. Maybe they've lost their jobs or been laid off. Maybe
they've become disabled, or just too old to work. Whatever the reason,
there's good news.
Affordable, low cost health insurance is within reach - if, that is, you're
willing to do a bit of stretching.

Use your spouse's health insurance plan. If you are married and your spouse
as an affordable, low cost health insurance plan, he or she may be able to
add you to it.

Look into state-sponsored health insurance programs. These state-sponsored
programs are ideal for the disabled and elderly; actually, most of them are
designed just for those people.

Check out a few short-term medical insurance plans. Short term medical
insurance plans are designed for individuals who have suddenly found
themselves laid off or out of work, but plan to join the workforce again
once they can. Short term medical insurance plans are full of benefits, and
are generally available anywhere from six to 12 months.

Start looking at various individual health insurance plans.
These are usually the most expensive of all health insurance plans; however,
what you'll pay in premiums will pale in comparison to what you'll pay in
hospital bills should you become ill or injured. This makes having an
individual health insurance plan seem all the more affordable and low cost.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/health/
http://www.ezquoteguide.com/car/

Affordable Arizona Group Health Insurance

You can find affordable Arizona group health insurance through your
employer, as well as through an organization or association to which you
belong.

There are nine basic kinds of Arizona group health insurance, and most
affordable Arizona group health insurance plans will offer at least a
variety of each kind of insurance coverage in the overall Arizona group
health insurance plan.

Major Medical Expense

Major medical expense covers just that - major medical expenses.
Policyholders usually have a deductible of medical expenses they must meet
before the insurance kicks in and begins covering a certain percentage of
medical costs.

Disability Income Protection

Disability income protection provides you with a percentage of your regular
paycheck on a particular time basis (weekly, monthly, etc.) during a
specific time period.

Accident Only Coverage

Accident only coverage provides compensation for accidents, including those
resulting in death, loss of vision, a limb, and medical costs.

Specified Disease or Specified Accident

Benefits under this coverage only cover a particular disease or accident.

Medicare Supplement

The Medicare supplement is usually not included in employer-based Arizona
group health insurance, but is a wise investment since Medicare doesn't
always cover all medical costs.

Long-term Care

Long-term care is another type of coverage that may or may not be offered by
an employer-based Arizona group health insurance, but is a wise investment
should you ever need skilled long-term care assistance.

Health Maintenance Organizations (HMOs)

Many affordable Arizona group health insurance plans are HMOs, meaning, you
choose a primary care physician based on a list of HMO participating
doctors; he or she will refer you to medical specialists should you need to
see them.

Preferred Provider Organizations (PPOs)

Similar to HMOs, PPOs allow you to choose from a network of doctors;
however, you may choose a doctor not included in the PPO and pay a higher
deductible or co-payment.

Point of Service (POS)

POS is a balanced mix of HMOs and PPOs.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/health/
http://www.ezquoteguide.com/car/

How To Save Money With Auto Insurance Quotes

Auto Insurance Online Quote Advice

Getting an auto insurance online quote is one of the cheapest and quickest
methods to obtain a car insurance quote. It also offers more options to
consumers who can access several auto insurance companies, carriers and
brokers, conveniently from the comfort of their own homes at any given time.


To get the auto insurance online quote, you'll first need to visit the
official website of your chosen auto insurance company. Most auto insurance
sites provide an online template form for you to fill out, and any
information that you enter in the application will have an impact on the
final quote. So it's best to review and revise what you have typed and avoid
errors that can adversely influence the auto insurance online quote, and
receive a cheap online car insurance quote, along with the most accurate
approximations of the policy you're applying for.


In addition to the required personal information such as name, address and
contact numbers, the cost and coverage of the insurance policy will be
significantly dependent on the information you give out, including your age,
gender and marital status. For example, auto insurance companies are very
alert when doing business with single or younger drivers who are more likely
to indulge in reckless driving, disregard for traffic rules, etc. So the
cost of the premium you have to pay for the auto insurance policy may be
higher if you're under 25 years of age. However, insuring younger drivers on
safer, non-performance cars and less powerful vehicles may allow you to
receive a cheaper auto insurance online quote. Also remember that the Make,
Model and Year of the automobile are also important factors taken into
consideration by auto insurance companies when they calculate rates.
Expensive and high performance automobiles such as supercars require more
extensive repairs after a crash, so they are more likely to cost you more on
insurance.

Tips on Obtaining a Cheap Auto Insurance Online Quote

1. Look for several types of auto insurance quotes regularly

2. Take into account the value of your car/automobile in comparison to the
amount you're paying for premiums when making decisions such as "liability
only" insurance.

3. A simple 6 hour defensive driving course can save you up to 10% on your
auto insurance premium

4. Many auto insurance companies will give you a discount for multiple auto
insurance policies. If you've used one agency for different types of
insurances such as life, home, fire, etc, us the same insurance company for
you auto insurance

5. Remember that higher deductibles result in lower insurance premiums

6. Maintain a healthy credit rating because auto insurance companies take
into account your current credit score as part of their calculation

7. Prepare yourself with valid reasons why you are at lower risk, such as
safer vehicle, clean record of driving, anti-theft alarms etc.


About The Author: Auto insurance is a great way to take your mind of car
theft and damage. That's why you should get an auto insurance quote online.
Get insurance quotes in 10 minutes or less.
http://www.autoinsuranceonlinequotenow.com

Set Your Insurance Website Different From Others

Web-based Insurance businesses are in for a tight competition online. There
are many other insurance websites that offer the same type of services,
specializes on the same niche of insurance marketing and both of these
factors alone can already set you apart from them. What you should do for
your website is to stand out among other insurance websites; but at the same
time, offer content and still, quality service.

If a customer is deciding between two insurance websites but still caught in
the middle because of the almost identical features and mechanics, there's a
50-50 chance that that customer will choose you or the other website for
insurance.
When the other website is chosen over you, you wouldn't have a clue how
often it happens or will happen, so watch out and the sooner you update your
website, the better.

At this point, you need to assert that your insurance services, or your
website to say the least is different and much better than the others. There
are some areas in your website which you can develop right away or one step
at a time. It doesn't matter how immediate you can start, as long as you
make sure that you're better than the rest. When the customer knows that
they can find justification from a service they want, the quality of your
website will spread like wild fire in the internet.

As a content-based insurance website, you always need to make sure that you
have good website content. Also, don't stick to what you already have,
explore and increase the quality of your expertise. You also have to make
sure that you continue to learn and develop the insurance niche you're
working on because that is the part which customers will likely go after.

If you still want your site to get better in another way, try putting a
section on your website where both customers and visitors can leave their
comments.


About The Author: Shareen Aguilar is a writer for
http://www.insuranceleadsgeneration.com which has Insurance Leads Generation
and other free Marketing Books

Saturday, December 16, 2006

Compare Home Owner Insurance Quotes

If you're in the market for a home owner insurance policy, but are having a
difficult time choosing a home owner insurance company among the many that
have given you quotes, you're going to need to set aside some time to
thoroughly compare home owner insurance quotes you've been offered thus far.


Regardless of how you've found the home owner insurance companies from which
you're considering purchasing your home owner insurance policy (in person or
on the Internet), make sure the home owner insurance company has asked for
an inventory of your home. Home owner insurance companies want to know
exactly what it is they're insurance before they offer a quote. If you
accept a quote and purchase a home owner insurance policy from a company
that doesn't know what it's insuring, you may find yourself high and dry if
you ever need your home owner insurance policy, i.e., your home catches fire
or is burglarized.

Going along with the above, always read the fine print. After you've been
offered a home owner insurance quote, find out exactly what is covered, what
isn't, and what you may need to purchase additional coverage for. Some home
owner insurance companies may not cover everything in your home; some may. A
deciding factor for you will be whether or not you're willing to move your
valuable to another location (safety deposit box in a bank), or purchase
additional coverage. You may be offered a cheaper home owner insurance quote
if you decide to relocate your expensive valuables, or if you purchase
additional coverage; however, you must take into account the extra cost of
storing your things elsewhere, or the additional coverage.

In the end, always talk with a live person. Ask questions about what you
don't understand. If you don't feel comfortable with the answers or with any
of the home owner insurance quotes you've been offered thus far - don't
settle. Keep looking.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/car/ http://www.ezquoteguide.com/health/

The End of Unlimited Lifetime Benefits in New Long Term Care Insurance Policies

Prominent long term care insurance carrier Penn Treaty recently announced
that it will discontinue offering the "unlimited lifetime" benefit option on
all new policy forms as of 1/1/2007. Will other insurance companies follow
suit? We think so, as the industry adjusts to changes in the all-too-real
world of care and care giving.

With rising baby boomers life expectancies and broadening offerings in the
care delivery systems "unlimited lifetime"
benefits simply pose expanded and uncertain risk for insurers. This risk
naturally translates to pricing which places "unlimited lifetime" benefit
out of reach for the average consumer, so the insurers are opting to offer
benefits which are limited to a fixed number of years payout or a limited
"pool of money" payout.

This makes sense by insurance standards. Exposure to unlimited risk is not
prudent for most companies, although some carriers may still choose to offer
"unlimited lifetime" benefits to high net-worth clients.

Look for policies to focus more on 5-year, 4-year and 3-year benefits for
long term care. This fits the common care profile, and 5-years of benefits
would allow for transfer of assets under Medicaid guidelines set by the
Deficit Reduction Act of 2005, meaning an estate could be protected while
still qualifying for Medicaid after 5 years of "private pay" through the
insurance mechanism.

We expect more and more insurers to limit their exposure by eliminating
old-fashioned "unlimited lifetime" benefits.
This change affects newly purchased policies, not policies already in force,
and is yet another adjustment as this industry comes to grips with changes
in the world of long term care.

This comes on the heels of the initial round of industry adjustments
reflected in the waves of premium rate increases from 2001-2006 as insurers
corrected for the initial under pricing of policies sold in the 1990s, the
first decade these policies were offered. Considering the likelihood of
future claims due to the cold hard fact that nearly half the population will
need long term care, insurers have a duty to remain financially sound in
order to pay future long term care insurance claims. This just makes good
business sense.

Consumer choices are changing, surely, yet a need still remains, the need to
protect assets from the devastating costs of long term care by transferring
the huge risk of care to insurers though the insurance mechanism. It's
really pretty simple: The risk is very high, and so is the cost of care,
and there is simply no other vehicle than insurance coverage to protect your
savings and investments.

Internet users can arrange for free, comparative rate quotes from respected,
top-quality companies by searching online for "long term care insurance
buyers advocate".


----------------------------------------------------
Long term care insurance activist, Clay Cotton, writes for
http://www.PrepSmart.com - The Online Baby Boomers Decision Assistance
Center, where you get Free Long Term Care Insurance advice, comparative rate
quotes and personal guidance, all while safely at home in your favorite
pajamas and bunny slippers.

Get A Cheap Home Owner Insurance Quote

Home owner insurance is not always required. If you live in a home you own
out right, with no lenders or financers you probably are not required to
purchase a home owner's insurance policy. Therefore, you can avoid that
extra insurance bill every month. Good for you, right? Wrong.

Home owner's insurance may seem like just another monthly bill; however, if
you find yourself in a situation in which you've been robbed or your home
has suffered water damage, fire damage, or any kind of damage from weather
elements, those extra monthly insurance bills will suddenly seem like a wise
idea. And, if your neighbor comes knocking at your door one day, only to
fall down an icy stoop? Well, those extra monthly insurance bills will
suddenly seem like an even wiser idea.

So, how can you get a cheap home owner insurance quote to protect yourself
from tragedies and accidents? It's simple, really - you just need to know
how to cut corners; and I don't been in a Scrooge-like, penny pinching way.

First, make indoor home improvements. This means checking out your
electrical system, which could make your home a fire hazard, and plumbing
system, which could make your home susceptible to water damage. Consider
installing durable windows and sturdier locks. A safety alarm system isn't a
bad idea, either.

Next, make some outdoor home improvements. Fix any creaky steps, loose
stones or concrete in your walkway, loose shutters and shingles, and get rid
of any scrap metal you plan to build something with, but neighborhood kid
might want to use as a plaything.

Finally, store all of your very precious and irreplaceable valuables in a
safety deposit box in the bank. Period.

Making these safety changes will show home owner insurance companies you're
serious about keeping your home, your family, your valuables, and your
visitors safe, thus encouraging them to give you a cheap home owner
insurance quote.


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/car/ http://www.ezquoteguide.com/health/

What Is Gap Insurance?

Before a person decided to purchase a new vehicle, they need to check with
their insurance company about gap insurance because it might already be
included in the auto premium. If is not, this will be something that you can
purchase for a decent cost.


There are some insurers that do not offer this type of insurance at all. If
this is the case, you should try to find a company that offers gap insurance
before you decide to purchase it through the dealer.

Gap insurance is the insurance that will pay for the difference between what
you would owe on an automobile and what the insurance company is going to
say it is worth. This insurance is a must for someone who may be considering
purchasing a new vehicle since a new vehicle will depreciate in value as
soon as it is moved from the dealer's lot. You will appreciate this
insurance if you are ever in an accident and still owe money on your car.

Usually gap insurance is built into a lease for any of the leased cars that
a consumer may decide to use. Do not just assume that it is. Make sure that
you are asking questions and finding out the information that you need to
make sure that you are covered incase that you are ever involved in an
accident.
You have to make sure that you are protected.

The premiums are usually low for gap insurance. This is not going to be
something that you are going to spend a lot of money on. For new purchases,
it can be automatically added into your monthly car payment. This is hardly
noticeable and it will allow you to have the protection that will make you
feel secure each time you decide to drive your car.


About The Author: Geoff Spencer is a staff writer at
http://insurance-gazette.com and is an occasional contributor to several
other websites, including http://www.onlinebusinessgazette.com.

Thursday, December 14, 2006

5 Ways To Choose The Best Travel Insurance For Your Holiday

Travel insurance is one of those areas that mean nothing to you until you
decide to hit the road - or the air - then suddenly every ad is for travel
insurance and everywhere you look another company is touting for your
business. So how do you choose the best insurance company and the best
travel insurance for your unique travelling needs?

5 Points To Consider

1.The cost of the policy could be more than what you pay

When reviewing the policy options never start with the price first. As with
most things in life you get what you pay for and while you want to be sure
to get the best value for your money, this does not necessarily mean the
cheapest price.
Comprehensive cover that delivers and supports in time of need is what you
should be looking for.

2.What back up do you receive in an emergency?

Are you being sent on your world tour with a 9 to 5 Monday to Friday contact
number or are you provided with fully comprehensive numbers providing 24/7
contact and support, reverse charge options and 0800 numbers.

3.What is included as standard in your policy

Some companies come in with a low rate and then charge extra for every
doorknob eventually leading to over inflated cover.
Go through the company's policy offerings to be sure exactly what you are
covered for. The range should be extensive as the company should know and
have addressed a range of pitfalls you may not have thought of.

4.Who underwrites and supports the company

Establish who your support company will be should you face a medical
emergency or the need for evacuation. Most companies do not handle these
highly specialised areas themselves but have aligned themselves with skilled
and experienced worldwide organisations to ensure the best possible
protection and support for their customers.

5.Does the company cater for varying needs?

Does the company provide a one size fits all policy? Beware, you may be
paying for cover you don't need or be under insured in some critical areas.
Look for a company which provides a range of covers including NZ only travel
policies, backpacker, group or duo options, long stay, one way or gap
insurance and more.


About The Author: Eddie Feltham is Marketing Director for 1Cover, and has 10
plus years experience in the travel industry. For all-inclusive travel
insurance - Australia, New Zealand or worldwide - and the best travel
insurance rates, visit http://www.1cover.co.nz

Home Owner And Car Insurance Quote

Are you looking for both a home owner and car insurance quote?
There's good news! Many insurance companies specialize in offering both
homeowner insurance policies and car insurance policies.

Below are three reasons why you should get a quote your home owner insurance
policy and car insurance policy from the same insurance company.

You won't have to deal with as many people as you would if you used two
different insurance companies. This may sound antisocial, but it's actually
not. If you have one insurance agent who can take care of both your home
owner and car insurance policies, you'll be less likely to get confused;
and, if you do get confused about one or both of your policies, you'll only
have to contact one insurance agent to straighten things out for you.

You'll have less paperwork to deal with. This goes right along with the
above reason. If you do all of your business with one insurance company,
you're obviously going to have less forms to read through and sign. This
also reduces the risk of signing papers dealing with your home owner
insurance policy when you mean to sign papers dealing with your car
insurance policy.
Plus, your single insurance agent will keep you organized!

Discounts, discounts, discounts! Most insurance companies that offer
multiple kinds of insurance policies, such as home owner insurance policies
and car insurance policies, offer discounts to those policyholders who
purchase more than one kind of insurance policy. Aside from getting
insurance policies that offer the exact coverage you and your family needs,
what can beat getting a few discounts along the way?

When you set out to look for an insurance company that offers both home
owner and car insurance quotes, don't settle on the first one you find. Do
some research: check out their ratings, talk to friends, family members, and
co-workers who use the insurance company. Shop smart and begin saving!


About The Author: http://www.ezquoteguide.com/home/
http://www.ezquoteguide.com/health/
http://www.ezquoteguide.com/car/

Combined Motor Trade Insurance - Why It Works And How It Can Save You Money

If you work in the Motor Trade, you more than most will know that customers
nowadays are demanding more, for less. And if you're a Motor Trade who also
demands this from your suppliers and service providers, here are some ways
you can get it from your Insurance Broker.

Depending on which part on the Motor Trade you work in you will no doubt
have your own individual needs, concerns and worries.

For car manufacturers these could be falling sales, competition from abroad
or Government policy changes over CO2 emmissions.

If you are an MOT Station you may still be coming to terms to
computerisation.

And for body repairers, bodyshops and garage servicing units your focus
maybe on gaining accreditation to the BSI Kitemark scheme or making sure
your staff are trained to a certain standard.

The bottom line is you are a Motor Trader you have numerous issues to deal
with on a daily basis before you even start to think about your customers
and suppliers.

And yet despite this apparant need for people in the Motor Industry to make
their lives easier it is suprising to see many traders still choosing to
have their Motor Trade Insurance policies with many different insurance
brokers and companies rather than under a single Motor Trade Combined
Insurance policy.

The result of this is that many Motor Traders pay too much for their
insurance and they spend time (that they simply cannot afford to waste) on
looking after them.

Here a just a couple of reasons why Motor Traders should seriously consider
a Combined Motor Trade Insurance policy when their insurance is next due for
renewal:

1. All your risks together. By opting for a Combined policy your vehicles,
your staff, your premises and your profits can all be protected under one
policy. No longer do you need your buildings insured with one Broker, your
Business Interruption and Liabilities with another and your Road Risks with
yet another. Just all your risks under a Combined Motor Trade Insurance
policy.

2. Time Savings. Gone are the days of many different types of cover with
different renewal dates and provided by different companies. Just your
Combined Insurance policy with a single renewal date. If you need to make a
change you just need to ring one broker rather than hunt around your
paperwork to find out who it is insured with. And if you chose the right
broker they should ring around all the main Motor Trade Insurance companies
to find you the best deal.

3. Money Savings. By putting all your risks under a Combined Motor Trade
Insurance policy you can very often benefit from savings on your premiums as
many providers offer discounts. At a time when getting value for money from
your service providers then making savings by getting a policy that is
easier to administer could be just what you need.

Combined Motor Trade Insurance can save you time and save you money and that
is why it works.


About The Author: Save Money on Your Combined Motor Trade Insurance was
written by Mark Burdett of Northern Counties Insurance Brokers. To see how
much you can save on Motor Trade Insurance visit
http://www.northerncounties.com or
http://www.northerncounties.com/motor-trade-insurance.php

Cheap Car Insurance In NC

The premium you pay for your car insurance in NC is dependent upon several
factors, including your age, gender, driving record, traffic ticket and
violation history, your living location, the kind of car you are insuring,
and the insurance company from which you purchase your car insurance in NC.

A few of these factors can't be changed; some can be altered in time.
However, despite all of these factors, the amount of car insurance in NC you
purchase is always going to have an effect on the cost of your car insurance
premiums. Therefore, if you're looking for cheap car insurance in NC, it
would make sense to purchase NC's minimum car insurance requirements,
wouldn't it?

The minimum car insurance requirements for NC are as follows:

$25,000 for coverage of property damage $30,000 for coverage of the bodily
injury of one person $60,000 for coverage of the bodily injury of two or
more persons

Purchasing merely the minimum car insurance requirements in NC isn't
recommended, and not always allowed if your vehicle isn't fully paid for.

Yet, if your car is completely paid for, and you're in a situation in which
you've just graduated and entered the workforce or you've just left the
workforce and gone back to school, money may be tight. You must have at
least the minimum car insurance requirements in NC, so you'll want your car
insurance to be as cheap as possible. In these cases, getting cheap car
insurance in NC may be dependent upon purchasing just the minimum car
insurance requirements. Seriously consider purchasing more car insurance
once you're financially able.

For more discounts to get cheap car insurance in NC, check out NC's
insurance department, or talk with the car insurance agency from which you
plan to purchase your car insurance policy. Many insurance agencies offer
discounts for purchasing multiple policies, good driving records, and even
adding addition cars to the insurance policy.


About The Author: http://www.ezquoteguide.com/car
http://www.ezquoteguide.com/home/ http://ezquoteguide.com/

Cheap Car Insurance In New Jersey

Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers
are able to buy a basic car insurance policy in New Jersey - and what's
cheaper than purchasing the most basic car insurance policy available?

The Automobile Insurance Cost Reduction Act makes it possible for drivers to
get cheap car insurance in New Jersey by offering them a policy even cheaper
than the standard car insurance policy. The basic car insurance policy
includes personal injury protection of $15,000 per person, per accident, and
$250,000 per significant or permanent injury. However, the latter depends on
the policy definitions. It also includes property damage liability of $5,000
per accident.

Bodily injury liability isn't included in the basic insurance policy, but
it's an option. If a policyholder chooses to add bodily injury liability,
the policyholder will have $10,000 for everyone, per accident.

Uninsured motorist and underinsured motorist coverage aren't available with
the basic car insurance policy, nor is collision coverage or comprehensive
coverage. However, collision coverage and comprehensive coverage can be
added on, depending upon how the basic car insurance policy was issued.

As you can see, the basic car insurance policy in New Jersey, although it's
the cheapest car insurance in New Jersey, offers very minimal coverage;
however, it does offer important coverage, as well as additional features.
Those drivers with the basic car insurance policy in New Jersey have the
right to take legal action in the event of a motor vehicle-related accident,
whereas those drivers without any insurance don't have that right.

The basic car insurance policy isn't for everyone. Those drivers who choose
to obtain cheap car insurance in New Jersey by purchasing the basic car
insurance policy should do so only if they don't have much family
responsibility, they are just starting out in the work force, it is the
first car insurance policy they've ever purchase, or they can't afford any
other car insurance for whatever reason.


About The Author: http://www.ezquoteguide.com/car/
http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/

The Truth About Mexican Auto Insurance

The truth is; most Mexican auto insurance brokers will NOT tell you that
auto insurance, when driving in Mexico is not enough.

The fact of the matter is that if you get into an accident, there is a VERY
high likelihood that you will need emergency assistance. particularly in
Mexico where the severity of accidents can be much worse than in the United
States.

Additionally, most people consider health insurance a MUST . but your health
insurance policy here in the United States usually does not cover an injury
or medical evacuation in Mexico.

This means that if you get Mexican auto insurance for your trip, and you end
up NEEDING it, your United States health insurance will not cover any
injuries.

Of course while it is true that Mexico does have a health system that gives
free medical coverage to its citizens, those facilities are not available to
foreigners. If you're from the U.S. you will need to use a more expensive
private clinic.

Then, it's no secret that legal officials in Mexico may attempt to take
advantage of visitors from north of their border. If you're in an accident,
you may certainly need legal help, which means you'll want your auto
insurance to cover those matters as well.

The truth of the matter is that most Mexican auto insurance brokers do not
sell auto insurance that adequately covers emergency medical assistance or
legal assistance. Emergency medical assistance services are so restricted
among most auto insurance carriers that the Red Cross and a whole host of
other international relief agencies use ONLY ONE company for their travel to
Mexico and throughout the entire world.

On top of that, most of these service contracts are written with such low
limits and so many exclusions as to render them potentially worthless.

To make matters worse, many brokers sell "Emergency Medical Evacuation
Services" that end up being subcontracted to a third party vendor in Mexico
who often uses additional subcontractors.
In other words, the services provided are not being performed by the company
you're giving the money to.

You can get an excellent comparison of these plans by going to Assist
America Comparison Chart. Once there you will quickly see why the American
Medical Association, The American Cancer Society, the Red Cross, and on and
on all rely on this one company to ensure emergencies are properly and
appropriately handled.

To learn more about Mexican auto insurance, how to get the coverage you want
at a price you can afford (without getting ripped off by some fly-by-night
scam artist), see "Is Your Mexican Vacation Covered"
http://tinyurl.com/y5hz5q.


It was written by Linden Gray, an international insurance veteran with over
29 years of wholesale, retail, and direct insurance experience. He
represents the only company deemed to adequately and inexpensively cover the
various international relief agencies for their trips to Mexico (and as
such, people that work for those agencies tend to use this company for their
vacations to Mexico). Further, as the Director of MexicanInsuranceStore.com
he runs the only "direct to consumer"
insurance agency that I'm aware of that represents the company used by those
agencies.


About The Author: Arnold Ulloa is a frequent Mexico travele & author. Email
him at arl98@dslextreme.com about your Mexico travels. You can also visit
http://www.mexicaninsurancestore.com or
http://www.tinyurl.com/y6xvq8

Cheap Car Insurance For The Young Female

Car insurance companies are notorious for offering cheap car insurance
policies to females. This doesn't mean the car insurance companies are
sexist, but it does mean the car insurance companies take into account the
statistics that show that female drivers are usually safer drivers. Female
drivers make fewer claims, drive safer vehicles, and get fewer traffic
tickets than male drivers - statistically speaking, of course.
Therefore, car insurance companies see female drivers as a lesser risk than
male drivers.

Yet, despite the gender of the driver, car insurance companies always look
at the age of the driver, too. Older drivers are viewed as less of a risk
because they are thought to have more driving experience. Younger drivers
are viewed as more of a risk because they are thought to have less driving
experience.

So, how can you find cheap car insurance for the young females?


Use all resources. This means, your good driving record, any driving classes
you've successfully completed, your safe car, and your safe neighborhood.
Point these facts out to the car insurance agent, and you may get a cheaper
car insurance quote.
You may even discover discounts you weren't aware of.

Stay on, or "spin off" of, your parents' car insurance policy.
If you stay on your parents' insurance policy, they will most likely get a
discount for having multiple cars on their policy.
You can "spin off" of their car insurance policy if you have already been on
their insurance policy, and have now decided to get your own car insurance
policy from the same car insurance company. By "spinning off" of their car
insurance policy, you will get a cheaper car insurance policy than if you
purchased your own from another company, or without ever having been on
their policy.

By taking either, or both, of these steps you'll find cheap car insurance
for the young female; at least, until you get a bit older!


About The Author: http://www.ezquoteguide.com/health/
http://www.ezquoteguide.com/home/

Is Affordable Health Care A Myth?

The one thing that everyone in the country wants is affordable health care.
In the past few decades, the cost of health care has sky rocketed. Many
people used to rely on their employers to provide good, affordable heath
care now businesses are cutting benefits to cut costs. This doesn't mean
that it's impossible to be sufficiently covered in case of a medical
emergency.

As many of us are painfully aware, employers are cutting costs where
affordable health care is concerned. Often employers are expecting employees
to pay a greater share of the total of the monthly, yearly or quarterly
premiums. Many people think they can't allow for affordable health care on
their budget. They simply opt not to sign on to the company health care
plan.

At the same time these same people will always find a way to afford vice
like cable television, cigarettes, junk food, and alcohol. Perhaps if you
cut down or gave up some of these luxuries, you'd find the money to pay for
an affordable health care premium.

If you're married and both of you work, you may want to look carefully at
the health care plans provided at both places ofwork. Many people have found
that if one spouse's health care plan seems to be a little sparse in
coverage or non-existent, the other spouse's may be a little more of what
they had in mind.

Sometimes your employer's health care plan is not the best option or is
simply unavailable. If there aren't enough people in the company you work
for to qualify for a group coverage plan, which is usually always cheaper,
perhaps you'll want to discuss your options with your local insurance agent.
The same agent that provides coverage for your house, and car may also
provide affordable health care insurance.

Just as everyone should have a family doctor, mechanic, and lawyer they
trust, they should also have a local insurance agent that's faithful. If you
don't have a family insurance agent, ask friends and relatives whom they go
to for their insurance needs. A recommended, reliable, insurance agent is
sure to be able to provide you with affordable health care coverage or at
least will be able to direct you to someone who can assist you in this goal.


Some insurance companies provide a cafeteria plan for those that rely on
their coverage. A cafeteria plan allows you to pick and choose what options
you want to be covered for. This makes affordable health care possible by
making sure you won't have to pay for anything you don't need or want.

The most important thing you need to do for affordable health care is make
sure you have some sort of coverage for medical emergencies. Medical
emergencies are not something that happens only to other people. A health
care disaster could hit your family just when you least expect it.


About The Author: John Wellington provides readers with up-to-date
commentaries, articles, and reviews for http://www.allhealthmagazine.com,
http://www.body-and-mind-magazine.com as well as other related information.

Cheap Car Insurance For Convicted Drivers

There are many different reasons a driver mat lose his or her driver's
license. He or she may:

. Be convicted for a crime involving a motor vehicle resulting in his or her
driving privileges being revoked or suspended.
(An example of such a crime is driving under the influence
(DUI) or driving while intoxicated.)

. Fail to meet the requirements of his or her probation and/or be found in
violation of the court system, including failure to satisfy traffic tickets
and/or violations.

. Have accumulated more points that allowable by their State on their
driving records.

All of these reasons can make it difficult for drivers convicted of these
offenses to obtain cheap car insurance once they're ready to fire up the ol'
T-Bird and head back out on the road. Granted, finding cheap car insurance
for convicted drivers is a lengthy process - you must be patient and
persistent - but it can be done. The first step is to correct the offenses
that made you a convicted driver, and your car insurance company may even be
able to help you along the way.

. Drivers convicted of DUI/DWI offenses can usually attend special classes
focuses on the dangers of driving drunk. This doesn't mean their licenses
will be returned to them any sooner, but it does mean they may be able to
knock a few points of their records and even make their insurance companies
smile.

. Meet the requirements of your probation and anything else required of you
by the court system. Period.

. Ask your insurance company about special defensive driving courses in your
area that will help reduce the points on your driver's license.

Remember, sometimes these solutions are available, and sometimes they're
not. Talk with your current car insurance company, or even a new car
insurance company with which you're considering doing business, and inquire
about ways to get cheap car insurance for convicted drivers.


About The Author: http://www.ezquoteguide.com/car/
http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/health/

Cheap Car Insurance Broker

Are you looking for a cheap car insurance broker? You are probably asking
yourself, "Who isn't?" Below are some tips for what discounts to look for,
and ask about, when searching for a cheap car insurance broker.

Look for low mileage discounts. If you are an occasional driver, you may be
eligible for a low mileage discount. A cheap car insurance broker will see
you as less of a risk if your car is not actually out on the road very much.


Stick with third-party insurance. Third-party insurance is much cheaper than
full coverage insurance, and depending on the worth of your car, you may
want to choose sticking with third-party insurance when seeking a cheap car
insurance broker.

Keep drivers to a minimum. When looking for a cheap car insurance broker,
keeping the drivers you add to your car insurance policy to a minimum helps.
Unless the drivers frequently drive the car(s) on the car insurance policy,
leave them off of the car insurance policy and save yourself some money.

Keep your car safe. Another way to impress a cheap car insurance broker is
by keeping your car safe. If you live in an area that is considered
dangerous - especially one that has a lot of car-related crime - an
insurance broker is going to see you as less of a risk if you take the steps
to safely store your car at night or anytime it isn't being driven.

Young drivers - do not give up hope! Young drivers should take advantage of
starter policies. These policies, which usually last anywhere from six to
eight months, are perfect for young drivers still starting out in the world
of driving and car insurance. Starter policies are cheaper than non-starter
policies, and they allow the young drivers to build up no claims bonuses.
Young drivers should also ask about any driving courses they can take to
help them get car insurance discounts.


About The Author: http://www.ezquoteguide.com/car/
http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/health/

Healthy Travel During Pregnancy

With proper planning and advice, travel during pregnancy is not a problem.
To ensure that you and your baby remain healthy during travel, you need to
consider the stage of your pregnancy, your current physical condition, and
any restrictions or problems you and your doctor have discussed.

Also, talk to your doctor about visits or tests you need to schedule, so
that you are not away during the time these are to take place. Prenatal
visits, scheduled ultrasound tests, glucose screening tests or Rh
immunoglobulin injections (for those whose blood type is Rh negative).

Assuming your doctor says it is OK for you to travel, be sure you prepare a
complete list of contact names and phone numbers to take with you. If you
have problems during your trip and need care or attention, health care
professionals or other travelers can ensure that you get appropriate care.

This information should include:

Your name, age and blood type, and any medications you are taking, as well
as your health care insurance information. Also include your due date, the
date of your most recent doctor appointment, any allergies you may have to
medication or foods, and any immunizations you may have had before travel.

Your doctor's name and contact information

Any doctor's name and phone number you may be using while you are away from
home

Emergency contact information for your family (include more than one
contact)

Be sure you have ample supply of prescription and over the counter
medications, and prenatal vitamins.

Make certain that your health insurance polity covers pregnancy, delivery
and other complications during travel and be sure to double check any
restrictions that may apply to travel in foreign countries.

Check the availability of travel insurance on your airline, or other
carrier, to be sure that you are covered if you have to miss part of, or
your entire, trip because of pregnancy related health problems or if you
incur emergency expenses during your trip. Ask if this insurance covers
complications from pregnancy and emergency transport.

Carry a cell phone, especially if you're traveling alone, and be sure that
your cell phone will function in any foreign country to which you may be
traveling.

You can plan normal activities while you are traveling, but understand that
you are likely to get tired m ore quickly when you are pregnancy, so plan
for extra rest during each travel day. Take a relaxing bath, use room
service, sit on the beach or watch an in-room movie.

Eating healthy is important, and your schedule is likely to be different on
the road, so take nuts, dry fruit, and cheese and crackers with you. Drink
plenty of water and avoid dehydration, especially if you are flying to your
destination.

Take your bathroom schedule into consideration. As an expectant mother, you
are likely to need to use the bathroom often. Don't plan vacation or travel
activities that require you to be out in the middle of nowhere, away from
facilities. And plan extra time for 'pit stops' if you are traveling by car.


Remember that your feet and legs are likely to swell during pregnancy if you
are sitting for long periods of time. Wear comfortable, expandable shoes and
socks and elevate your feet whenever possible. Get up and walk around
whenever you can on a plane, train or bus and if you are traveling by car,
be sure to walk around a bit when you stop to use the bathroom.

If you are traveling to a foreign country, you and your doctor will have to
consider any vaccines you will require to determine whether they are safe to
administer during pregnancy.
Avoid live vaccines like varicella for chicken pox, measles, mumps, and
rubella. The Centers for Disease Control (CDC) report no fetal damage from
live vaccines, but they admit that their information is limited, so these
vaccines should still be considered risky. Vaccines for Hepatitis B,
Hepatitis A, and tetanus, are safe and recommended for pregnant women at
risk of getting these diseases.

In many developing countries local healthcare and the quality of available
food and water are questionable. It is best to avoid travel to these
countries while you are pregnant.

If you are traveling to a hot, humid destination, avoid yeast infections by
wearing lightweight, loose-fitting clothes, and cotton underwear. Change out
of wet bathing suits as soon as you can, and talk to your doctor about
carrying a tube of anti-fungal cream, just in case you need it.

Avoid risky activities, especially late in pregnancy: snow skiing, water
skiing, surfing, horseback riding, parasailing, scuba diving, water slides
and some more extreme amusement park rides. You may also wish to avoid very
hot saunas and hot tubs, as they elevate your temperate beyond what is
normal in a regular bath.

You can walk and hike at low altitudes, swim in calm waters (not in heavy
surf or rapids), ride a stationary or regular bike, exercise in the hotel
gym (if you have been used to exercising before and during your pregnancy)
and jog if you jogged before pregnancy. Talk to your doctor about your
planned activities before you leave for travel or vacation.

Be smart! If you start to feel tired, overheated, dizzy or uncomfortable,
slow down, rest, take a break or stop what you are doing.

Travel, especially to other time zones, can throw your eating schedule off
and cause more problems with bloating, and indigestion. Try eating several
small meals during the day.
Don't eat close to bedtime (allow 2-3 hours to digest your food). Sleep with
your upper body propped on pillows. Avoid alcohol, carbonated beverages,
caffeine, chocolate, acidic foods (citrus fruits, tomatoes, and vinegar),
and spicy foods.
Try to eat high-fiber foods to avoid constipation and bloat, and stay active
to keep your digestive tract moving.

Avoid motion sickness by sitting in the front seat of the car and keeping
the window open to get plenty of fresh air. In an airplane, sit over the
wing, and on a boat, try to stay on the deck and focus on the horizon.

You can try wearing a specially designed wristband to deliver mild
electrical current to a nerve at an acupuncture point on the underside of
your wrist. Studies show that this device helps some pregnant women with
morning sickness and motion sickness.

If you follow these suggestions, you should have a pleasant and healthy
trip.

And, remember, that if your doctor advises against travel, you are wise to
follow her/his suggestion. It is best to put off the trip for another time
after the baby is born, rather than to risk your health and the health of
your unborn child!


About The Author: Janet Hart is the owner of http://www.freefamilyhelp.com A
free family resource site offering free tips, books, and more. Sign up today
for a free newsletter to receive even more parenting tips!
http://www.freefamilyhelp.com

Having A Baby? Check Your Health Insurance Coverage. Repeatedly

Congratulations, you're pregnant! Now go check your health insurance
coverage. Great, the baby's nursery is painted, decorated, and ready! Now go
check your health insurance coverage. Wow, you've just received a ton of
baby gifts for your baby shower! Now go check your health insurance
coverage.
Oh boy, your hospital bags are packed and it's almost delivery time! Now go
check your health insurance coverage.

Well, maybe it's not quite to that extreme, but health insurance problems
can creep up at any time. Unfortunately some people learn that the hard way
when they receive a hospital or doctor's bill that's many times higher than
what it should be.
The problem is that with most of today's healthcare networks, there are
in-network and out-of-network providers. Choose a provider that's in-network
and your bills will be substantially lower. Choose an out-of-network
provider and you'll likely pay three times as much or more.

At this point, you're probably thinking, "No problem. I checked my network
directory and chose an in-network OBGYN and hospital.
I'm covered." While that was probably true when you first checked the
directory, that may not be true today. Unknown to many patients is that
doctors and hospitals often fail to renew contracts or drop insurance
companies for some reason. That's why each and every time you visit your
OBGYN or check in to a hospital, you're asked to fill out the same insurance
forms and sign the same payment guarantees you've signed countless times
before. At that time, they should inform you if your insurance is no longer
accepted, but that's not always the case. Doctor's offices and billing
departments are not always up-to-date and aware of insurance contract
changes. The only time you may find out a problem exists is when you get the
bill. Even if they are aware of the insurance change and you are informed,
you certainly don't want to get that information when you're checking in to
deliver your baby.

Your best bet is to call both your insurance company and your chosen
delivery hospital well before your big day and again as your due date gets
nearer. Make sure they accept your insurance and are an in-network provider.
If possible, find out when their contract expires and if it is being
renewed. Just because they accept your insurance today doesn't mean the same
will be true tomorrow or next week or on your day of delivery.

If you do find a problem with your insurance, your options may be limited to
paying the higher rates, switching insurances, or switching doctors and/or
hospitals. Before you go to any of those extremes however, contact your
insurance company to see if they will grant you an exception where you can
continue with your out-of-network provider at an in-network rate. Also, call
your hospital or doctor to see if they can come to some kind of compromise
with your insurance company. While neither of those are likely to happen, it
is worth a try. If you end up needing to switch insurances, make sure you
check their rules regarding pre-existing conditions.

So, go on celebrating your pregnancy, decorating your baby's nursery,
unwrapping your baby shower gifts, and getting ready for your baby's
entrance into the world. Then, GO CHECK YOUR HEALTH INSURANCE COVERAGE.


About The Author: Kenneth Taylor is an editor for the Binky Links Online
Baby Store and Information Directory. Visit the directory at
http://www.binkylinks.com/

What To Do And Not Do In The Event Of An Accident

The worst thing has just happened to you. You have had an accident. There's
never a good time to have an accident but it always seems to happen at the
worst possible time. So what do you do? First off you need to stay calm.
It's a totally natural reaction to lose your head or panic right when you
need to be rational. Just after the accident is the time you should be
taking note of all the information you will need to ensure that you are
fully compensated and covered for any damage done to your property or to
you. Talk to witnesses, get their contact details, make notes and take
pictures if possible at the time of the accident. You'll be glad you did as
it will be difficult to accurately recall all of the details as time passes.
Finally remeber not to admit that you caused the accident, even if you did.

Right after the accident this will all be the last thing you think of so
make a checklist and keep it in the car.

While you are at the Accident Scene, note the following details


You will need:

Driver Details of everyone involved in the accident. Don't forgrt to add
yours too. These details should cover the Drivers Name, driving license
details and driver insurance details including the insurance company name,
policy number and contact details. Finally remember to get the car license
plate number.

If you are carrying a camera take pictures of the accident scene, the
damaged vehicles and any injuries that were caused by the accident.

Note the contact details of any witnesses such as name, address, phone
number and email address so that you can follow up with them later.

Post Accident Follow Up

Complete your own fully detailed description of the accident as soon as
possible after it occurred. You can fill this in with the details and any
pictures that you took at the scene of the accident.
If you were injured then take pictures of your injuries.

Follow up with the witnesses to the accident and get their written details
of the accident.
If the Police attended the scene of the accident ask for their report.

After the Accident

If you were injured you will need to keep track of the following medical
expenses and visits:

Any hospital visits and treatments at hospitals such as MRI, x-ray,
physiotherapy and laboratory services.

Over the counter and prescription medications.

You should keep track of the dates, times and reasons you had to visit a
doctor or the hospital and keep a note of the time off of work due to the
accident. If the time off caused a loss of income you should get a letter
detailing all of the lost income from your employer. Similarly if you are
still in school you should keep track of all of the hours of missed
schooling due to the accident.

While you are undertaking medical treatment you should take pictures of your
injuries to show their progress over time.
Keep a log of the date and time of the picture and add details of any pain
that you are experiencing, how you are feeling, and any distress or
discomfort that you experience as a result of the accident.

Keep track of all other expenses related to the accident. These will incluse
some of the following: Property damages such as car repairs, damage to
barriers, fences and signs.

Some other indirect expenses may also occur such as a cancelled vacation due
to injuries sustained in the accident or the cost of a rental car while
yours is repaired.Finally there are other miscellaneous costs, such as
ointments,lotions to treat your injuries and bandages.

Finally

Never reply to any questions or queries from any other party involved in or
related to the accident, such as insurance companies or attournies without
first consulting your attourny.
Do not settle any bills or sign any documents until you are sure of the
extent of current and future medical expenses related to the accident, and
have agreed it with your attourney.

We sincerely hope you never need this advice, but if you are involved in an
accident it's comforting to know that we are here!


About The Author: Steve Dolan has been involved in several accidents and
learned 'The Hard Way'. Find out what to do and not do at
http://www.accidentsweb.com

When Shopping For A New Car Make Sure To Shop For The Best Insurance Rates As Well.

Most people spend more time shopping for their car than they do shopping for
the best auto insurance rates. This is a mistake.
As a smart consumer, you need to allot time for getting the best rate for
your insurance. Your three goals are getting the best insurance rates,
getting the best financing and getting the best price.

If you don't shop around for the best rate your insurance premium can be
more than your car payment. I've seen it happen and it's not pretty. You are
all happy and excited about your new car up until you find out how much the
insurance is going to cost you. Then you struggle just to make the insurance
payments. Or worse, you cut coverages to keep within your budget. For
example, having the highest deductible, $1,000-$2,000.

It's not hard to shop around for the best rate either. There are several
comparison sites that will give you several quotes from multiple insurance
companies to make sure you get the best rate. Use them. It only takes 10-15
minutes and it can save you from plenty of financial headaches. Just like
the Geico commerical says, "15 minutes could save you 15% or more," 15
minutes on a insurance comparison site will guarantee you get the best car
insurance rates available.

When you do shop around, always be sure to have a copy of your current
policy available for comparison. This will make getting the quote as
painless as possible. That way you compare all the coverages and make sure
you are getting the same discounts with the new company as the old one.

One thing that can surprise you is monthly payment fees so be on the lookout
for these. Some companies charge you a monthly fee when you make monthly
payments, maybe $3-$4 a month. That's an extra $36-$48 a year you need to
factor into your comparisons.

There's nothing like thinking you're getting a great deal only to find out
it's a good deal once all the dust is settled and you get your new policy.
If you're only going to save a few dollars a month after you switch to the
new company maybe it's best to stay put. Sometimes you will lose loyalty
discounts with your current company that you won't get with the new company.
Or the customer service or claims service is great at the current company.
These days that is worth more than a few dollars a month to me so keep these
small things factored into the equation.

Shopping for car insurance is quick and easy and you may even save hundreds
of dollars per year. All it takes is about 15 minutes. Make sure you put
'shop for car insurance' on your car wishlist when you go car shopping.


About The Author: Raul Tejeras runs Best Cost Car Insurance, a site helping
smart consumers get the best insurance rates. Get your special reports on
getting the best car insurance rates online from a ex-insurance rep. Visit
http://www.best-cost-car-insurance.com

Family Dental Insurance

Dental insurance is something that concerns every single family. Children's
teeth are very delicate and must be looked after more frequently than an
adult's. This makes good dental coverage very important so that you don't
end up spending hundreds of dollars with every visit.

Each and every dental insurance company provides plans for families. This
does not mean that every company has a good plan; this is why you should
always do research when you are looking to purchase dental insurance of any
kind, especially for your family.

Family dental insurance plans include great benefits and coverage that
include everyone in your family. It is important when you are searching for
a dental plan that you find coverage that works with emergency care,
fillings, and treatments that are preventative. These are benefits that a
lot of dental insurance companies do not cover. It is imperative that you
check the details of the plan before you join it.

These plans do not have to be expensive; there are many discounted dental
insurance plans that offer coverage for families. Affordable dental coverage
is something that is possible to find -- you just have to look for it. A
little research is all that needs to be done to find great companies that
can cover all of the dental needs of your entire family.

One of the leading dental insurance companies is Delta. This company is not
a discounted insurance company, but it is not expensive either. Saving money
is important to everyone, and you do not want to spend money that does not
need to be spent.
Delta is one of the many companies that offers ideal family dental coverage
that's affordable.

Do not think that finding a great dental insurance company is
difficult--they're everywhere! The internet is a great way to find the
discounted insurance plans that you are looking for.


About The Author: Linda Brown contributes articles to several web sites,
including http://lutok.com and http://web-healthy.com

3 Warnings Before Switching Auto Insurance Companies

We've all been bombarded with ads, emails, commercials, and billboards
saying how much we can save on our auto insurance by switching to another
company. It's a competitive industry. Just because another company is
offering a better rate doesn't mean you should rush to call and cancel your
insurance and switch.
There are a few things you need to make sure of before you do.

Here are a few things to watch out for before you switch your auto insurance
to another company.

If you've been with one company for many years and they offer a credit that
waives the first accident you have, you may want to stay or see if the other
company can match it. Sometimes this is referred to as good driver discount
or a longevity discount or accident forgiveness. The company rewards you for
your loyalty by waiving the first accident you have.

This discount can be pretty significant. Since most accidents can raise your
rate by 40% for 3 years the potential savings could be several hundreds of
dollars over that 3 year period.
But when you switch companies, you lose this credit you've built up. If you
have an accident with that new company how much are you going to regret not
having that accident forgiveness by seeing your rates jacked up by 40%?

Another thing to be mindful of is to make sure the company you are switching
to is not offering you just a teaser rate for the first 6 months to get your
business and then bump you up 6 months later once they've got you on their
books. Since auto insurance is a profitable industry, companies may offer
you a low ball rate to get you to switch and then once they've got you
increase your rates at the renewal. If the rate the new company quotes seems
too goo to be true do more research. Check out insurance forums or search
Google for "XYZ insurance + Reviews."

Watch out for hidden fees. This is one that can surprise you.
Some companies charge you for making monthly payments - usually
$3-$5 a month. Over the course of a year that comes out to $36-$60. That one
fee can take a big bite out of your potential savings so make sure you
factor that into the rates you are comparing. Make sure you are really
saving money when you switch.

Two other things to keep in mind when shopping around for auto insurance are
the new company's website and hours of operation.
Make sure their hours work with your hours. If they are only open from 8-5
and you work 8-5, when are you going to be able to call them if you have a
question or need to make a claim? If you do all your business online you
want to make sure the company you are looking at has a capable website that
can help you 24 hours a day.

You can save money by shopping your auto insurance around. Just be sure to
keep in mind the things I've mentioned to make sure the deal you're looking
at is really a great deal.


About The Author: Raul Tejeras runs Best Cost Car Insurance, a site helping
smart consumers get the best insurance rates. Get your special reports on
getting the best car insurance rates online from a ex-insurance rep. Goto
http://www.best-cost-car-insurance.com

Life Insurance - Make Your Life Easy And Simple!

Ever wondered why one would need life insurance especially as it is seen as
an additional expenditure that one might not need. Well, we can surely find
somewhere else for that money to go, and the real truth is, we may not
really give it much thought until we have a family and begin accruing
assets. Life insurance is an insurance policy, just like our auto or
homeowner's insurance, which offers us with added assurance that in any
eventuality we will be covered financially. In the case of death, life
insurance allows our family to ensure of our end of life needs, that
includes burial or cremation at the least, and more depending on how much
coverage we purchase.

As we live in the age of credit purchases, we bear a considerable amount of
debt through our working years. This includes mortgage and car payments, as
well as personal loans, credit cards, and student loans, just to name a few.
A majority of companies offer their employees some type of life insurance
coverage that can be purchased at a reduced group rate. This can either be a
minimal amount or it can be twice your salary, it just depends on your
personal situation and which options are available to you. A lot of people
prefer to buy life insurance with their personal insurance agent for
additional insurance that can be bought for varying amounts of coverage.
This enables either the surviving spouse of family members to cover up
burial expenses and any other outstanding debts of the decedent. Amounts of
coverage vary and chosen based on what the individual would like to provide
his or her survivors.

Premiums are based on what type of policy is selected and the age of the
person seeking coverage. We are constantly getting mailers in our mailbox
for a reduced rate policy if we act now, and frankly speaking, all those
terms can be rather confusing.
So what is the difference between a whole life policy and a term policy? A
term policy is just that; when you are purchasing a definite amount of life
insurance for a specified term, generally twenty years. The premium remains
the same during this time period and does not build any type of cash value.
On the other hand whole life insurance policies, do build cash value, and
can be either borrowed against, or cashed in at various stages all through
the policyholder's whole life.
Some policies require a physical exam and medical history questionnaire to
be completed before coverage can be instated.
Usually smokers pay higher premiums as well as people with chronic illnesses
that include high blood pressure or diabetes.


Life insurance is a good idea, in particular if you don't want to leave your
family in a helpless situation facing bankruptcy because they can't make
ends meet without you. A number of companies specialize only in life
insurance, and local insurance agents that can assist you clarify exactly
what you need. Remember the older you get, the more it costs, so if you're
considering a term policy, make sure to buy it when you are young!


About The Author: John Wellington provides readers with up-to-date
commentaries, articles, and reviews for
http://www.completehealthdirectory.com,
http://www.body-and-mind-magazine.com as well as other related information.

Cheap Car Insurance For Teens - Some Tips And Advice

One of the most important tips anyone can offer a teen driver about
obtaining, and keeping, cheap car insurance, is the tip of driving safely
and responsibly. This advice does not mean just buckling up and driving the
speed limit. Driving safely and responsibly goes beyond those basics -
especially for teen drivers.

Below are some tips and advice for teens to drive safely and responsibly.

Obey the law. Obeying the law means buckling your safety belt (wearing a
safety belt is a legal requirement in most states); driving the speed limit
(speed limits change in different parts of town, especially in school and
work zones); knowing, and respecting, what the colors of traffic lights
mean; not driving under the influence of drugs, alcohol, or any other
controlled substance; placing at least the length of one vehicle between you
and the car in front of you; always signaling your next move to the vehicles
surrounding you; and driving only during the times drivers your age are
legally allowed to drive.

Respect your surroundings. Respecting your surroundings means driving in
accordance with everything around you. Drive slower than the speed limit
when weather elements such as rain and snow require it. Keep watch of
pedestrians, especially children who may be playing close to the road. Pay
attention to all vehicles around you, especially in high traffic areas.

Avoid unnecessary distractions. Unnecessary distractions include things such
as putting on make up, eating, chatting on your cell phone, blasting the
radio, and cramming too many friends into your vehicle. Many states have
laws regulating how many passengers teen drivers are allowed to have. Know,
and follow, those laws. When in doubt, never allow more passengers than your
vehicle has safety belts.

Car insurance companies already view teen drivers as high risk.
By driving safely and responsibly, teen drivers can keep traffic violations
and accidents to a minimum, thus helping them maintain cheap car insurance.


About The Author: http://www.ezquoteguide.com/car/
http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/health/

Pet Insurance - A Good Idea!

Ever thought about taking out insurance to guard against pet theft? It is
probably something you think most people have never needed to worried about.
But that is quickly starting to change.

Statistics reveal that pet theft has overtaken mobile phone and ipod
robberies to become the most rapidly growing crime in the UK. Each year,
there are 50,000 dogs which are snatched from their owners. Of those
victims, 40,000 had pet insurance. This sort of insurance can offer help in
various ways.

First of all, the insurance pays for the costs of advertising.
It also pays for the costs of offering a reward. Then, when you find your
dog, it will provide the financial assistance to get the animal back home.
You can claim anything from £200 to £1000 depending on your insurance
policy.

Then, in the unfortunate instance that your pet is never recovered, the
insurance company will pay anything from £500 to £1500 for the value of your
dog, provided that the animal has been missing anything from 30 to 90 days.

You can take out claims with insurance companies like PetPlan, E&L, Marks &
Spencer and the Kennel Club is another. In fact, many mainstream insurers
also offer cover as well and you can find out about quotes for different
companies through the internet. If you do pay for your policy online, it can
be the case that you can claim an online payment discount.

Some of the problems that cause pet theft in the case of dogs is that the
owners don't take enough care with respect to their dog's security. Owners
leave their dogs tied up loosely outside shops and the advice from experts
is that by doing this you are making your pet easy prey for a criminal.

Pedigree pets in particular are targets. So are dogs owned by celebrities. A
criminal might not steal the pet because it is high quality, but so they can
make a ransom demand for the animal to be returned.

Along with taking out insurance, there's also other things you can do to
guard against your dog's safety. This includes making sure that your dog
wears a collar and identification tag with your contact details displayed on
it. Dogs can also be micro-chipped or tattooed so they can always be
identified. The Kennel Club Pet Reunification Service offers this service.

Keep all of your dog's documentation in a safe place. Also keep a photo of
your dog from the side so it can be easily identified. But more importantly,
don't let your dog out of your site by not tying it up and leaving it. Keep
the animal secure in your back garden where it can be seen. Don't walk your
dog without a leash, leave it inside or lock it in a car all alone.

If in the unlucky instance your dog does get stolen, report it to the
police. Then contact the local dog warden. If your dog is micro-chipped,
contact petlog or visit the organisation's lost and found data base –
http://www.doglost.co.uk


About The Author: Michael has worked in financial services for over 15
years. He now writes for a number of UK based financial web sites. Insurance
bazar provides articles based around insurance for uk residents. New and up
to date articles from insurance bazar http://www.insurance-bazar.co.uk

Disability Insurance Why Do People Buy It?

Each person who buys disability insurance has his or her own particular
reason to get income protection with their own disability insurance policy.

And these reasons differ widely. They all buy it to protect their future
income, but the reason that triggers the purchase varies widely.

Over the years, people in all walks of life have bought disability insurance
but, looking at some records, I was struck by how much the reasons differ.
Here's a small sample.

Disability Insurance: Reasons To Purchase

A heart specialist, age 38
Reason: The hospital provides none at the moment, but I need disability
insurance before I commence doing surgeries.

Writer, age 46
Reason: I am self employed and must buy all my own life and health coverage.


Lawyer age 33
Reason: We only have one income and if I become disabled, the only income we
will have will be from disability insurance.

Veterinarian, age 29
Reason: To protect my income in event of injury, which is not unknown in
this profession.

Professional, age 36
Reason: Peace of mind. What if I wait that one day too long; I'll think
about disability insurance for the rest of my life.

Consultant, age 46
Reason: Planning for the future. How can I do a financial plan, when I don't
know whether I can carry it out?

Salesman, age 33
Reason: Protect family in the event I am unable to work; I have no
investments to produce income.

Sales Manger, age 40
Reason: It is simply part and parcel of what I need to protect myself and my
family.

Computer Programmer, age 36
Reason: To replace lost income in case I don't die in the accident I always
think is going to happen to me.

Neurosurgeon, age 58
Reason: Protection to the maximum please; disability insurance and critical
illness insurance are both necessary.

Chartered Accountant, age 39
Reason: I deal with small business people and have seen clients, lose homes
and businesses as there is no income from a disability insurance policy.

Manager, age 32
Reason: Just makes sense; disability insurance is the only way to protect
your income.

Web Programmer, age 34
Reason: In case I'm disabled for a long time, disability insurance is the
only income I'll have.

Dentist, age 42
Reason: I am in an occupation that is prone to injury; I have no choice.

Electrician, age 40
Reason: I have no group disability insurance so I must provide my own.

Plumber, age 36
Reason: Disability insurance, life and health insurance are just part of the
protection I need.

Jeweller, age 46
Reason: I am self employed and must protect my life with life insurance and
my income with disability insurance.

Conclusion On Reasons To Buy Disability Insurance You can see the triggers
to buy disability insurance differ greatly.

Please let us know what is your reason to have disability insurance and
we'll send you a Free Disability Ebook. Send your reasons to
info@hughestrustco.com.


About The Author: Ivon T. Hughes of The Hughes Trustco Group is the author
of the Life Insurance Handbook: How To Get The Best & Cheapest Life
Insurance available FREE to all new subscribers at
http://www.hughestrustco.com.

Dangerous Careers May Call For More Life Insurance

Not many people like to think about death; actually, most people probably
prefer to avoid the topic altogether. Sometimes death comes with old age.
Grandparents are usually quite old when they pass on, and because of their
age, it's no real shock when they do. Sometimes death comes with shocking
tragic accidents, such as automobile crashes, home-related disasters, and
crime. And, sometimes death accompanies illness and disease.

So, we urge our elders to take care of themselves. We remind our spouses to
drive carefully. We warn our children to stay away from strangers. And we
try to make sure we, and everyone in our lives, avoid contracting illnesses
and diseases. But how many of us worry about the safety of ourselves, our
family members, and our friends at our careers? Beyond just the safety of
the commute back and forth from our careers?

Some of us - but not all.

Despite how safe we feel at work, and how safe we believe our loved ones are
at work, there are several careers that are considered quite dangerous and
can be fatal. Employees of these dangerous careers should consider
purchasing much more life insurance than the average person.

Some of the most dangerous careers include law enforcement, firefighters,
construction workers, truck drivers, aircraft pilots, and farmers. These
careers put workers at risk for dying in the line of duty or dying because
of an equipment malfunction. These careers involve weapons, fire, extremely
large vehicle both on land and in the air, and powerful machinery. Even the
most skilled professional at any one of these careers is at risk for a fatal
accident.

Dangerous careers put you, and your family members, at risk for disasters.
If you work in one of these careers, you should seriously consider
purchasing a greater life insurance policy; that is, if your life insurance
company hasn't already recommended or required you to purchase a larger life
insurance policy.


About The Author:
http://www.myquoteguide.com/High-Risk-Home.shtml
http://www.ezquoteguide.com/home/ North Carolina Car Insurance

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