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...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 credit report information. If your company tells you that you have been adversely affected, they must also tell you the name of the national credit bureau that supplied the information so that you can get a free copy of your credit report. FCRA defines "adverse action" to include "...a denial or cancellation of, an increase in any charge of, or a reduction or other adverse or unfavorable change in terms or coverage or amount of, any insurance existing or applied for, in connection with the underwriting of insurance..."Examples of an "adverse action" include: - giving the consumer a limited coverage form - not giving the consumer the best rate - not giving the consumer a discount, or - giving the consumer a surchargeIn addition, most state laws require insurers to provide clear and specific reasons for any refusal to issue,...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...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 devastating effect on a firm, a family and an individual. It can be damage, bankruptcy and death to name a few. What are the factors that we should consider and how can we know the insurance that we need.CAR/AUTO INSURANCEOne has to consider the purpose of owning it whether for personal use, for public transport use like a private taxi, or use for transportation of goods and industrial materials. Age is also a major consideration. Old vehicles pay a higher premium than new ones. The type and model of the vehicle has a major role also. When buying car/auto insurance online, there are sites that provide automated tools. They're using an auto coverage analyzer where you have to answer a few question about your financial standing, automobile condition, etc. From this information it will generate what category of coverage you need.BUSINESS INSURANCEThere are insurance companies which have policies that combine protection for all major...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...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
Prevent Falling Victim To Lawsuits And Purchase Adequate Insurance If you reside in Irvine you are legally required to carry auto insurance satisfy stated mandated financial responsibility laws. While a majority of drivers on the...more