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...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 policies, covering both. Motor insurance Finding the right policy and the cheapest car insurance cover...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 devastating effect on a firm, a family and an individual. It can be damage, bankruptcy and death to...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 is, "If you're in the business of selling insurance you'll have a hard time succeeding...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 months, how would you and your family manage? Who would pay your bills? Disabling illness or injury is one of the leading causes of bankruptcy in the United States.Most people do not realize that their chances of becoming disabled are greater than their chances of dying prematurely. Yet they are more likely to buy life insurance than disability insurance. For this reason, people in the insurance industry call disability "the forgotten risk.' According to statistics from the Journal of the American Society of Chartered Life Underwriters, if you are age thirty to fifty-five, your chances of becoming disabled are two to three times greater than your chances of dying. If you are thirty-five years old, you have a 50:50 chance of experiencing a disability lasting last three months or longer before you retire. One in seven workers will become disabled for more than five years before he or she reaches age 65. Many people mistakenly believe...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
Illinois Small Cash flow Federal government Wellbeing Insurance plan Guidebook It a thing to think about for people with unique wellbeing desires, which are or else not coated by those of the employer's or the government's....more
Disability Insurance - Need of the Hour Disability insurance is one of the most sought after insurance these days. With so many disability insurance policies available, you need to make a careful selection. You have to go for a quality...more