Questions You Should Always Ask When Choosing an Insurance Policy When was the last time you sat down and actually thought about your insurance coverage? Let's face it, it's not exactly on the weekly "to do list" for a wide variety of reasons and so... it's not surprising that many are caught unprepared when an emergency happens. One thing to remember is that you don't have to live in an area susceptible to a major disaster (i.e....more
Watch Montreal Canadiens vs Toronto Maple Leafs Game Coverage Online high quality Do you typically uncover oneself missing Montreal Canadiens vs Toronto Maple Leafs mainly because your other household members beat you to the tv or simply because you frequently come across your self at operate whilst the big football game is on? Perfectly, stop missing any in the large video games for the rest of your respective life and begin...more
Your Credit Report and Insurance, Part 1 A growing number of personal auto and homeowners insurance companies have begun looking at consumer credit information to decide whether to issue or renew policies, or to decide what premiums to charge for those policies. This brochure is designed to help you understand, in general terms, how your credit information is being used for personal auto and homeowners insurance, and how it may affect your insurance purchases.Is it legal for an insurance company to look at my credit information without my permission?Yes. A federal law, the Fair Credit Reporting Act (FCRA), states that insurance companies have a "permissible purpose" to look at your credit information without your permission. Insurance companies must also comply with state insurance laws when using credit information in the underwriting and rating process. Why are some insurance companies using credit information?Some insurance companies believe there is a direct statistical relationship between financial stability and losses. They believe that as a group, consumers who show more financial responsibility have fewer and less costly losses, and therefore, should pay...more
Your Credit Report and Insurance, Part 2 If I don't know my score, and my score varies from company to company and day to day, how will I know if my credit is affecting my insurance purchases?The FCRA requires an insurance company to tell you if they have taken an "adverse action" against you, in whole or in part, because of your...more
Explaining the Different Kinds of Insurance Home insuranceThis product covers your home and contents against a flood, fire, flood or break-in for example, or if your pipes burst. Your home insurance policy has to include those just covering the contents of your home, those just covering the actual building you live in, or joint...more
Simplifying Insurance for the Consumer For most of us, insurance coverage represents a love-hate relationship. We hate paying for the premiums, but love having the right kind of coverage when it is needed. We realize that is important to have insurance coverage, but just the thought of contacting different insurance agents, or researching different insurance plans, can not only be a scary experience, but incredibly overwhelming. Knowing what types of insurance are available, and making sure you have the correct coverage for your life's needs is a task that should be given careful consideration.Using the following suggestions, whether you are a novice or a veteran insurance buyer, will help you to make critical insurance coverage decisions. First and most important, is to ask yourself the question; what kind of insurance do I need? There is auto insurance to protect yourself and others when driving. Health coverage is a vital issue to address, as well as life insurance, disability and long-term health care. If you have a home, you need to protect your most valuable possession with home-owners insurance. There are many types of insurance for each of the categories...more
Savings on Affordable and Reliable Insurance These days insurance have been swarming the four corners of the United States. Whether we like it or not, insurance is a need. Why? There is no denying the fact that one disaster can have a...more
Don't Sell Anymore Insurance Policies! Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them...more
What's the Purpose of Disability Insurance? If you and your loved ones depend on your salary for support, then you probably need long term disability income insurance.Think about it: if you were to become disabled, even for a few...more
Purchase Protection Insurance Coverage Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce,...more
How to stay happily insured after retirement Some people don't understand you and give you a slightly weird look when you tell them that they should not go on with their life insurance plan. They say this – "I can't just drop it. I...more
Do Online Canadian pharmacies deal directly with my insurance? When ordering your medications from an Online Canadian pharmacy you will most likely be paying out of pocket for your medications. Because Online Canadian pharmacies are...more