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Articles in Home | Business & Finance | Insurance Sort By: Title|Newest|Oldest Life Insurance – Smokers and Overweights pay over 50% more!  By : Michael Challiner The cost of Life Insurance is going up for smokers and those of us who are overweight. This article explains who is affected. Keyman Insurance – Protect yourself against some of your biggest businesses risks.  By : Michael Challiner Keyman insurance is one of the most overlooked insurances for business – but also one of the most important. This article looks at the risks it can cover for Directors, Shareholders, partners and employees alike. Important Questions To Ask When Choosing Insurance Coverage  By : Kevin Erickson 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. living in an earthquake or hurricane prone area) to suddenly realize that your current insurance coverage is woefu... Driving An Expensive Or High-Performance Car? Make Sure Your Car Has Adequate Insurance  By : Philip L. Franckel, Esq. When buying insurance, most people ask for "full coverage" without knowing what they're asking for. What's the problem? There is no such thing as "full coverage". While understanding your coverage is important for everyone, it is vitally important if you're driving a Mercedes, BMW, Bentley, Rolls-Royce, Porsche, Viper, Ferrari, Lamborghini, Lotus, or Aston Martin. If you're driving an expensive, exotic or high-performance car, you will want to make sure that after an accid... Do You Need Life Insurance  By : Joseph Kenny It can be very difficult to decide if you need life insurance. Life insurance can be an extremely onerous financial commitment and investment, and it will also last for a considerable period of time, so you should take careful consideration in deciding if it is the best way of achieving the financial and other goals you and your loved ones may have Home Insurance Rates  By : Joseph Kenny Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Dental Insurance For Individuals  By : Victor A. Individual dental insurance plans are important to men as well as women. Men spend as much as women on dental services, though they visit dentists less often, according to a study published recently in the Journal of the American Dental Association. The study suggests that the more people spend on preventive dentistry (like regular checkups), the less they spend overall. Individual dental insurance plans are beneficial to men, women and children according to the study. de... Private Medical Insurance – What’s It All About?  By : Rachel Lane Private medical insurance is a very useful policy to take out, yet the range of policies available means that you should ensure the terms and conditions meet your specific requirements The origin of private medical insurance goes back a long way – before the NHS was formed. In pre-NHS days, people contributed to “friendly societies”, which provided financial assistance to people in times of need. Some private medical insurance providers, such as BUPA, remain non-profit-dis... Antique Car Collector Insurance  By : Victor A. Insuring classic and collector cars can be confusing for first-time buyers and veterans alike. Many questions arise as to the types of vehicles that can be covered, coverage’s, costs, claims, etc. How are most collector cars insured? Less than half of the collector vehicles on the road today are insured by specialty programs. Although, antique car collector insurance has been available for five decades, most owners of collectibles, specialty cars and street rods are still... Lawyer Professional Liability Insurance  By : Victor A. Under a Lawyer Professional liability insurance, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory and general damages. Punitive damages aren't covered under Lawyer Professional liability insurance policies because they are consider... Determining how much Auto Insurance Coverage you Need  By : Matt McWilliams The Three Basic parts to an Auto insurance Policy Life Insurance Vs Life Assurance  By : Joseph Kenny People spend a lot of money on complicated financial products and it is sometimes difficult to keep track of what products perform what tasks. Many people are not aware of all the financial products that are available or they only know of them vaguely. Disability Insurance  By : Joseph Kenny Disability can occur at any time. While many people take their body and health for granted, serious accident or injury can happen to anyone and if you find yourself disable, for a short period or long term, how will you cope Car Insurance Pricing Plans  By : Joseph Kenny The law requires liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, Car Insurance on Rentals  By : Joseph Kenny When it comes to car insurance, there are a couple of traps you can fall into. The contracts are complicated and extremely difficult to understand, and that’s if you even have the time to read them. Car Insurance – How Did They Calculate That?  By : Joseph Kenny Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. California Product Liability Insurance  By : Victor A. Simply put, liability insurance protects you from lawsuits. This includes the any bodily injury or damage to another's property that occurs on your premises or as a result of you or your employee's negligence. In covers customers, suppliers, delivery persons, employees, vendors, visitors, in short, virtually anyone but you, the business owner. Your General Liability (GL) policy covers you for a wide variety of situations. If you have a Business Owner's Policy (BOP), it li... Advantages Of Whole Life Insurance Policies  By : Donald When you consider the advantages of whole life insurance policies I hope you will conclude that this is life insurance worth owning. Term Life Insurance Vs Permanent  By : Donald Ever since the idea of term life insurance came to the mind of man term life insurance vs permanent has been the center of active and thought provoking debate. Viatical Settlements, Or Life Insurance Settlements  By : Donald When I first heard of viatical settlements, or life insurance settlements, I shuddered at such a dastardly idea. The 5 Year Term Life Insurance Policy Or Rider  By : Donald 5 year term life insurance has been around in insurance circles for a very long time. Mortgage Life Insurance & Mortgage Redemption and Cancellation Life Insurance  By : Donald Mortgage life insurance is one of the most important life insurance policies a person who owns a home can buy. 10 Year Term Life Insurance In All It's Glory  By : Donald If you are looking for inexpensive life insurance may be the 10 year term life insurance policy would fit your need perfectly. Would You Like To Save Big Money On Your Auto Insurance And Reduce Your Risk Of Auto Theft?  By : David Maillie With the rising price of gas, skyrocketing health care costs, etc... Americans are feeling the economic crunch. Lets put some money back in your pocket right now and lets take a bite out of auto theft. The best part is (1) You don’t have to switch insurance carriers. (2) Local auto dealers charge $299-$499 for this same service (real price should be $25-$30)- What a ripoff! (Note dealers also charge $200-$1000 for replacement headlights when you can buy headlight cle... Auto Insurance – Which Type Is Right For You?  By : Joseph Kenny Auto insurance is a form of insurance available to consumers who own cars, trucks and other vehicles. It covers the insured party against the risks involved in owning or driving a vehicle. Criticism of Insurance  By : Joseph Kenny Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesn’t burn down next Home Insurance and Hurricane Preparations  By : Joseph Kenny The violent winds, rains and storm damage from hurricanes can devastate communities and cause billions of dollars worth of destruction. The losses from hurricanes this year alone have surpassed that from almost any other natural disaster in years. Car Insurance - How can you lower your premiums?  By : Michael Challiner A wide range of aspects affect the cost of your car insurance - some you can influence and some you can't. This article introduces the reader to 9 aspects within their control and recommeds the Internet as a way of getting an overall discount. Life Insurance and the Law. A layman's introduction.  By : Michael Challiner This article is an introduction to the regulatory and legal aspects of buying Life Insurance which the layman should find interesting and useful. Special reference is made to buying life insurance on the Internet. Life Insurance and Life Assurance are not the same!  By : Michael Challiner Life Insurance and Life Assurance are different. Most people assume they are one and the same product and their online searches reflect this. What are the differences and what are they used for? This article provides an explanation for the layman. Benefits Of Getting Universal Life Insurance Quotes  By : Paolo Basauri What is Universal Life Insurance? “Universal” is the term used for life insurance that offers built in flexibility to change your premiums and the amount of life insurance you carry throughout the life of the policy. A universal life insurance policy will accumulate value as the premiums are placed in an interest building account. If your situation changes, and you decide you need more (or less) coverage, you can control how the universal life insurance policy operates. Ma... Insurance And Ethics  By : Insurance contracts are often seen as a form of gambling. That is because they appear as a type of wager that takes place over the lifetime of the policy. Basically the insurance company is willing to bet that you and your property will not suffer the loss insured against. In exchange for making this bet, and taking on the risk, the receive your premium. If they win the bet, they keep the premium, if they lose, they make the payout. In this sense, they are often compared to a... Using The “Autograph” To Get Cheap Motor Insurance  By : Joseph Kenny What if your motor insurance provider told you that you could get up to 25 percent discounted from your next car insurance policy simply by showing them that you were a safe driver? Introducing the new 'Autograph' device that will help distinguish the good and bad drivers.. Term Life Insurance. What Is It All About?  By : Donald What is term life insurance? You have an interest in buying term life insurance, that is why you are reading this article, and you want to know how it really works. Right? Whole Life Insurance Explanation  By : Donald A whole life insurance explanation should be required reading for anyone about to purchase life insurance. Whole life, in my humble opinion, has in recent years got a bad rap. People tend to buy term life insurance because it is cheaper. Mortgage Protection – easing your biggest concerns.  By : Michael Challiner Most homeowners have life insurance to repay their mortgage if they were to die. But death is only one of many risks. What other risks threaten your mortgage and how can they be offset? This article investigates and offers some solutions. Life Insurance – Medical history increases the cost for 66% of applicants  By : Michael Challiner Life companies keep their initial quoted prices low by being choosey on who they accept on standard terms. Having made a formal application, two thirds of applicants will face a loaded premium. This article explains why and what the shopper can do about it – choose an online broker! Why This Lawyer Says You Should Buy Car Insurance From An Independent Broker  By : Philip L. Franckel, Esq. I don't sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker. Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much ... Protecting Your Health With Private Medical Insurance  By : Kevin Erickson We scrimp and save over the latest designer wear, even the hottest cars or fancy jewelry but only a handful of people have actually thought about protecting their financial future with private medical insurance. This beauty behind having a private medical insurance is that it enable you to live your life free from unwanted worry if you were to get sick or have an accident that results in unexpected medical bills. If you're wise you'll get coverage while you can still qual... Tips On How To Arrange Cheaper Home Contents And Buildings Insurance  By : Joseph Kenny If you are looking for tips on how to reduce the yearly premiums you pay on your home contents and/or home buildings insurance policies, the following are some sure-fire ways to do it: Why You Should Consider Pet Insurance For Your Family Pet  By : Joseph Kenny If you have ever wonder about the benefits of insuring your family pet, then you may want to consider the following pointers as to why you should consider pet insurance for your family pet: The Costly Lure Of Free Car Insurance  By : Joseph Kenny Although not a completely stagnant market, selling new motorcars in the UK these days is hard work. Combating this, one very successful way that car manufacturers have found to attract new buyers to the motorcar market in the UK is to offer the first year’s car insurance completely free with the purchase of a new motorcar. Insurance Quotes  By : Gary Talon Obtaining insurance quotes can be a laborious job. Hours may be spent on the telephone speaking to different insurance agents in the hope that they'll be able to give you a cheaper price than the quotes you've already received. Each time you phone a new agent you find yourself churning out the same information and answering the same insurance questions in a process that can be quite frankly mind-numbing! But not only are you spending your precious time having to repeat you... Buying Life Insurance? One Tip To Save You Thousands!  By : It’s simple, always have your Life Insurance policy “Written in Trust”. This may sound technical but it is easy to understand and it’s so easy to organise. “Written in Trust” ensures that in the event of a claim, the policy will pay directly to the beneficiaries you name on the policy when you first take it out. If you do not do this, the policy will payout to your legal estate and this inevitably means that the money stays in your solicitor’s hands for some time. Yes,... Insurance Rate Methods  By : Joseph Kenny The price of insurance depends ultimately on the risk the insurer is taking on on behalf of the customer. Simply put, this will depend on the chance of the insured event occurring, and the likely cost of the outcome. The way insurers calculate this risk, and quantify the amount of the premium, is through the use of what is known as actuarial science. Buying Life Insurance? One tip to save you £thousands!  By : Michael Challiner A top life insurance tip to save some people 40% tax and ensure their policy pays out with the minimum of fuss. Only applies to the UK. Buying Life Insurance online – is it a really good idea?  By : Michael Challiner You’ll find the cheapest prices for life insurance on the Internet. But are there hidden complications and does low price come at the expense of quality? The Author explains how it is done and concludes that buying online certainly is a good idea. Life Insurance Rates  By : Matthew Bourne Life insurance at the present time is very affordable. Competition in the life insurance market together with the cost savings that life companies are making by operating on the Internet has depressed insurance rates, bringing them down to historic low levels. For a healthy non-smoker in their 20s, life insurance rates can in fact be as cheap as £5 per month! However, there are many factors that influence the final outcome of the life insurance rates for any one individua... Life Insurance - Money Saving Top Tips  By : Michael Challiner Buying life insurance online is easy but this article provides 5 money saving tips that the man in the street would otherwise be unaware of. Essential reading. Car Insurance For High-Risk Drivers  By : Sintilia Miecevole If you are classified as a high-risk driver, finding car insurance can be quite a hassle. Some insurance companies will deny insurance to high-risk drivers, while others just choose to charge extremely high premiums. No matter which insurance company you choose, you will most likely end up with a high rate. However, every insurance company is different, so it is important to shop around for the best rates available. There are many different factors that can contribute to a... Carrying Car Insurance Is A Smart Choice  By : Sintilia Miecevole Carrying car insurance is a crucial decision for anyone on the roads today. With so many drivers on cell phones, eating fast food and even watching TV while at the wheel, it isn’t unusual to find yourself in a “fender bender” or serious wreck. Having car insurance can make such an ordeal a lot less stressful for you and your family. Car insurance, in plain English, protects you and your family financially if you ever have an accident in your car. You have a contractual agr... Discount Life Insurance  By : Matthew Bourne Life insurance is a type of insurance policy that provides financial security and peace of mind for you, your family and dependants. It is based on the simple principle that should you die during the term of the life insurance policy, the person(s) named in the insurance policy will receive a lump sum or series of payments for the insured amount. If you have a mortgage and/or are the main income producer in the family, a life insurance policy will ensure your family's future ... Term Life Insurance Quotes For Everyone  By : Donald Everybody is running out to get term life insurance quotes now. May, be the phrase I should use is, going online to get quotes. Life Insurance Settlement  By : Donald If you think about it, your life insurance settlement option used is vital when it comes to what you really want your policies to do. Most life insurance agents don't discuss this in detail. Variable Life Insurance  By : Donald Variable life insurance is like attaching a life insurance policy to your stock portfolio. Your portfolio may contain stocks, bonds, money market etc. Life Insurance Buying Tips  By : Donald If life insurance buying is approached in the proper manner it can be very beneficial to yourself and your family. Don't Buy Term Life Insurance  By : Donald Don't buy term life insurance if you have a lot of money. You simply should not buy any life insurance at all. Using Asset Protection  By : Leon Chaddock Asset protection is a means for protecting your valuables from future lawsuits and creditor collection attempts. While many people are looking for a solid way to do this, there are many ways in which they can stumble down this wrong mistakenly. For many, the options that are presented to them are not, by any means, going to work. But, there are asset protection opportunities out there that really do work. The goal is to search out the right ones and make proper use of them. A... China Portfolio Insurance  By : Carl Delfeld Are you excited about the upside potential of China but can’t pull the trigger because of the significant downside risk? Here is a way to invest in China growth and still sleep at night. China has been the largest economy in the world for eighteen of the past twenty centuries and it is clearly determined to regain its role as the hegemonic power in Asia and then challenge U.S. global leadership. Will it be able to sustain its 10% economic growth rate, quell rural disconte... Low Cost Life Insurance  By : Matthew Bourne Finding low cost life insurance need not be a complex process. The life insurance market in the UK is extremely cost competitive, with a glut of cost orientated life insurance companies keeping the cost of life insurance at record low levels. Competition in low cost life insurance has increased further over the last few years, with low cost UK supermarkets like Tesco and ASDA now offering cut-price low cost life insurance. A £100,000 term life insurance policy for 25 years no... 20 Year Term Life Insurance  By : Donald One of the most popular life insurance policies is the 20 year term life insurance policy. The purchaser of the policy usually pays a level premium for the first 10 years. In some cases... Do You Really Need Life Insurance?  By : Donald Life insurance is one of those taboo subjects for normal, casual or friendly conversation. Whenever people, however, develop a life threatening illness... Universal Life Insurance  By : Donald Universal life insurance can be viewed as a marriage between life insurance and investments. You decide how much death benefit you want, or need, and the frequency of your premium payments. The New Way To Lower The Cost Of Health Insurance  By : Bruce Jugan It seems that every day there is an article about the rising cost of health insurance, the high number of people with no health insurance, and our system of financing medical care which is broken and needs repair or replacement. What goes unreported is that since January 1, 2004 there is a new way to finance medical expenses which drastically reduces the cost of medical insurance when compared to traditional forms of health insurance. The name of this radical new approach... Health Insurance Coverage  By : Jubjib Jongjub Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40 million people in America are not covered by any type of health insurance on any given day. That's an enormous number of people who really are taking a financial risk. While most Americans are able to obtain some type of health ins... Do You Really Need Disaster Insurance?  By : Pichet Galaxy The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance. Disaster insurance is typically defined as additional homeowner's insurance to cover events like hurricanes, tornadoes, earthquakes, and floods. Home insurance policies typically co... Free Insurance Quotes To Save You Money!  By : Taksin Yasotorn Whether you're looking for insurance quotes for auto, life, travel or health you can find some great rates on the internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens. Originally health insurance in the United States took the form of a voluntary program. Such programs date from about 1850, when health insurance was provided chiefly by cooperative mutual benefit and fraternal beneficiary assoc... Where To Find Affordable Health Insurance?  By : Michalle Law Affordable Health Insurance offers you a wide variety of medical insurance policies to protect you and your family against the high costs of health care. Affordable individual health insurance is likely for all of us who are in need of it. We just have to do a little homework to understand what is available, and ask ourselves what we need and what we can afford. Affordable health insurance can be of different types. It can be like affordable individual health insurance, af... Term Life Insurance - Save Money The Smart Way  By : Rick Hendershot Term life insurance is the easiest type of life insurance to understand. To put it simply, the insured person pays a minimal premium per thousand dollars of coverage on an annual, semi annual, quarterly or monthly basis. If he or she dies within the term of the policy, the life insurance company will pay the beneficiary the face value of the policy. **Distinctive Features of Term Life Insurance To better understand some of the distinctive features of term life insurance... [1] [2] [3] [4] [5]	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. Resources Accredited Home Schools Article Directory More Resources

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