Owner: Insurance for Everything URL:http://www.insuranceforeverything.com/blog/ Join Date: Sat, 24 Feb 2007 16:58:59 -0600 Rating:0 Site Description: heap Auto, Health, Home, Life Insurance Quotes and Information - Insurance for Everything Site statistics:Click here
TOP TWENTY U.S. LIFE/HEALTH INSURANCE 2006-09-16 02:26:29 Rank Group Revenues Assets 1 MetLife $39,535 $356,808 2 Prudential Financial 28,348 401,058 3 New York Life Insurance 27,176 144,421 4 TIAA-CREF 23,411 347,580 5 Mass. Mutual Life Insurance 23,159 124,510 6 Northwestern Mutual 17,806 123,957 7 AFLAC 13,281 59,326 8 UnumProvident 10,611 50,832 9 Guardian Life of America 8,893 35,395 10 Principal Financial 8,756 113,798 11 Assurant 7,404 23,969 12 Thrivent Financial for Lutherans 6,445 53,541 13 Lincoln National 5,371 116,219 14 Pacific
Health Insurance - Your legal rights 2006-05-06 15:40:22 If you work for a company with 20 or more employees and you lose your job, a federal law called COBRA (for Consolidated Omnibus Budget Reconciliation Act) requires your ex-employer to let you stay on the group policy for at least 18 months, at your own expense. If you have generous coverage paid mostly by your employer, the full premium (plus 2% for administrative costs) could be quite a shock. Still, it's wise to hang on to your old coverage until you're covered at a new job or find more affordable insurance elsewhere. The Health
Insurance Portability and Affordability Act (HIPAA) goes COBRA one better. It says that as long as you've been covered under a group policy within the previous 63 days, no insurer can turn you down for coverage, even if you're seriously ill. Unfortunately, HIPAA doesn't regulate premium costs so there's no guarantee that you can afford the insurance you're legal
ly entitled to. As the number of uni Read more:Health Insurance
How do I insure my teenage driver? 2006-04-29 07:19:00 How do I insure my teenage
driver? As soon as your teenager begins to drive, notify your insurance agent that there will be an additional driver in the house. Since teenagers are inexperienced drivers, they tend to get into a lot of accidents. This will, unfortunately, be reflected in higher insurance rates. If you have a daughter, you can expect your insurance to go up as much as 50 percent. A son will increase your car insurance by as much as 100 percent. Consider also raising liability limits or buying an umbrella liability policy for additional protection. [Teenage Drivers - Video]
How should I organize and store my life insurance records? 2006-04-21 01:44:52 The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance
. To prevent this, you should have copies of your life insurance records in at least two places. This is to make it less likely that you’ll lose them (to fire, flood, accidental discarding, etc.) and more likely that, after your death, your beneficiaries will find them. What information should I keep? For each individual life insurance
policy on your life, you should record the following information: The full name of the life insurance company that issued the policy The city and state of the home office of the company that issued the policy The name and U.S. headquarters of the group, if the issuing company belongs to a group of companies The policy number The date the policy was issued The amount of the death benefit The name and Read more:organize
If I can't pay my life insurance premium, what should I do? 2006-04-13 01:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a “reduced paid-up” option. This means that you can stop paying premiums completely in return for a reduced death benefit and no cash saving. You may also be able to convert the Read more:life insurance
, life insurance premium
If I can't pay my life insurance premium, what should I do? 2006-04-13 01:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a “reduced paid-up” option. This means that you can stop paying premiums completely in return for a reduced death benefit and no cash saving. You may also be able to convert the Read more:life insurance
, life insurance premium
If I can't pay my life insurance premium, what should I do? 2006-04-13 01:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a “reduced paid-up” option. This means that you can stop paying premiums completely in return for a reduced death benefit and no cash saving. You may also be able to convert the Read more:life insurance
, life insurance premium
How do I pick an insurance company? 2006-04-08 04:44:52 Cast a wide net. First, check what's out there. Get quotes from at least four carriers. Find a free database such as InsWeb, which offers quotes from up to 8 insurers. Try these options. Companies like State Farm and USAA that deal directly with consumers without using independent agents are called "direct writers". In theory, they can pass on their savings by eliminating the middleman. Direct marketers like Geico, AIG, eSurance and Answer Financial save on overhead -- and pass on the savings -- by marketing by phone, mail, or the Internet (via sites like this). Let your state be your guide. Most state insurance
departments offer on-line shopping guides for homeowner's insurance. Your state's guide may identify little-known companies with competitive rates. Insure.com can link you to your state guide. Read more:company
How much homeowners insurance do I need? 2006-04-08 04:42:46 You need enough insurance
to cover the following: The structure of your home. Your personal possessions. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. Your liability to others. Read more:homeowners insurance
Auto Insurance - Shopping for a Safe Car 2006-04-07 02:25:45 If you’re like most people shopping for a new car, safety ranks high among things you're looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car: Read more:Shopping
Auto Videos 2006-04-07 02:21:20 Auto Videos Page 1 2 3 [Auto Insurance Quiz] [How to Save on Auto Insurance] [How to File a Claim] [Uninsured Motorists]
Air Bag Safety 2006-04-04 02:50:34 Air Bag Safety
Air bags save thousands of lives each year, according to The National Highway Traffic Safety Administration (NHTSA). In frontal crashes, air bags reduce deaths among drivers by about 30 percent and among passengers by 27 percent. [Children and Air Bags - Video]
Teenagers & Safe Cars 2006-04-04 02:49:23 If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose. The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. In 1997 alone, more than 5,700 teenagers died in motor vehicle crashes, and many more were left severely and permanently injured by crashes. While getting a driver's license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens—choose a safe vehicle. [The Prom & Drunk Driving - Video] Read more:Teenagers
Shopping for a Safe Car 2006-04-04 02:45:31 If you’re like most people shopping for a new car, safety ranks high among things you're looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car: Read more:Shopping
How do I file an auto insurance claim? 2006-04-02 20:12:47 [How to File a Claim - Video] To file a claim
, follow these steps: Call your insurance
agent as soon as possible, regardless of who is at fault. Find out whether you're covered for this loss. Even if the accident appears minor, it is important that you let your insurance company know about the incident. Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if there is one, a copy of the police report. Increasingly, companies allow you to monitor the progress of your claim on their web site. Supply the information your insurer requests. Fill out the claim form carefully. Keep good records. Get the names and phone numbers of everyone you speak with and copies of any bills related to the accident. Read more:auto insurance
TOP TWENTY U.S. LIFE/HEALTH INSURANCE 2006-09-15 19:26:29 Rank Group Revenues Assets 1 MetLife $39,535 $356,808 2 Prudential Financial 28,348 401,058 3 New York Life Insurance 27,176 144,421 4 TIAA-CREF 23,411 347,580 5 Mass. Mutual Life Insurance 23,159 124,510 6 Northwestern Mutual 17,806 123,957 7 AFLAC 13,281 59,326 8 UnumProvident 10,611 50,832 9 Guardian Life of America 8,893 35,395 10 Principal Financial 8,756 113,798 11 Assurant
Health Insurance - Your legal rights 2006-05-06 08:40:22 If you work for a company with 20 or more employees and you lose your job, a federal law called COBRA (for Consolidated Omnibus Budget Reconciliation Act) requires your ex-employer to let you stay on the group policy for at least 18 months, at your own expense. If you have generous coverage paid mostly by your employer, the full premium (plus 2% for administrative costs) could be quite a shock. Still, it's wise to hang on to your old coverage until you're covered at a new job or find more affordable insurance elsewhere. The Health
Insurance Portability and Affordability Act (HIPAA) goes COBRA one better. It says that as long as you've been covered under a group policy within the previous 63 days, no insurer can turn you down for coverage, even if Read more:Health Insurance
, legal
How do I insure my teenage driver? 2006-04-29 00:19:00 How do I insure my teenage
driver? As soon as your teenager begins to drive, notify your insurance agent that there will be an additional driver in the house. Since teenagers are inexperienced drivers, they tend to get into a lot of accidents. This will, unfortunately, be reflected in higher insurance rates. If you have a daughter, you can expect your insurance to go up as much as 50 percent. A son will increase your car insurance by as much as 100 percent. Consider also raising liability limits or buying an umbrella liability policy for additional protection. [Teenage Drivers - Video]
How should I organize and store my life insurance records? 2006-04-20 18:44:52 The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance
. To prevent this, you should have copies of your life insurance records in at least two places. This is to make it less likely that you’ll lose them (to fire, flood, accidental discarding, etc.) and more likely that, after your death, your beneficiaries will find them. What information should I keep? For each individual life insurance
policy on your life, you should record the following information: The full name of the life insurance company that issued the policy The city and state of the home office of the company that issued the policy The name and U.S. headquarters of the grou Read more:organize
If I can’t pay my life insurance premium, what should I do? 2006-04-12 18:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a Read more:life insurance
, life insurance premium
If I can’t pay my life insurance premium, what should I do? 2006-04-12 18:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a Read more:life insurance
, life insurance premium
If I can’t pay my life insurance premium, what should I do? 2006-04-12 18:45:21 If unexpected expenses come up and you can’t pay your life insurance
premium, you should know the possible consequences. The effect depends on the type of policy and coverage you have and the policy terms and conditions. Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings. You will no longer be covered by life insurance, but you will at least save some of the proceeds of the policy. You may, however, have to pay taxes on some of the cash value if the sum exceeds what you have paid in premiums. Non-forfeiture options There may be a Read more:life insurance
, life insurance premium
How do I pick an insurance company? 2006-04-07 21:44:52 Cast a wide net. First, check what's out there. Get quotes from at least four carriers. Find a free database such as InsWeb, which offers quotes from up to 8 insurers. Try these options. Companies like State Farm and USAA that deal directly with consumers without using independent agents are called "direct writers". In theory, they can pass on their savings by eliminating the middleman. Direct marketers like Geico, AIG, eSurance and Answer Financial save on overhead -- and pass on the savings -- by marketing by phone, mail, or the Internet (via sites like this). Let your state be your guide. Most state insurance
departments offer on-line shopping guides for homeowner's insurance. Your state's guide may identify little-known compa Read more:company
How much homeowners insurance do I need? 2006-04-07 21:42:46 You need enough insurance
to cover the following: The structure of your home. Your personal possessions. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. Your liability to others. Read more:homeowners insurance
Auto Insurance - Shopping for a Safe Car 2006-04-06 19:25:45 If you’re like most people shopping for a new car, safety ranks high among things you're looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car: Read more:Shopping
Auto Videos 2006-04-06 19:21:20 Auto Videos Page 1 2 3 [Auto Insurance Quiz] [How to Save on Auto Insurance] [How to File a Claim] [Uninsured Motorists]
Air Bag Safety 2006-04-03 19:50:34 Air Bag Safety
Air bags save thousands of lives each year, according to The National Highway Traffic Safety Administration (NHTSA). In frontal crashes, air bags reduce deaths among drivers by about 30 percent and among passengers by 27 percent. [Children and Air Bags - Video]
Teenagers & Safe Cars 2006-04-03 19:49:23 If your teenager has just gotten a driver's license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose. The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. In 1997 alone, more than 5,700 teenagers died in motor vehicle crashes, and many more were left severely and permanently injured by crashes. While getting a driver's license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I.) say there is something worried parents can do to protect their teens—choose a safe veh Read more:Teenagers
Shopping for a Safe Car 2006-04-03 19:45:31 If you’re like most people shopping for a new car, safety ranks high among things you're looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car: Read more:Shopping
How do I file an auto insurance claim? 2006-04-02 13:12:47 [How to File a Claim - Video] To file a claim
, follow these steps: Call your insurance
agent as soon as possible, regardless of who is at fault. Find out whether you're covered for this loss. Even if the accident appears minor, it is important that you let your insurance company know about the incident. Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if there is one, a copy of the police report. Increasingly, companies allow you to monitor the progress of your claim on their web site. Supply the information your insurer requests. Fill out the claim form carefully. Keep go Read more:auto insurance
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