General Insurance

Protect Yourself with Auto, Homeowners and Health Insurance

admin — Sun, 23 Mar 2008 09:23:30 -0500

With house, auto, and medical costs on the rise more Americans are spending more time and money on their insurance policies. This is why homeowners, health, and auto insurances are the most common insurance offered.

The insurance market is highly competitive leaving us with premiums we can’t pass up. People are spending more time online and on the phone getting quick hassle free quotes from several different companies.

Glossary of Insurance Terms

admin — Sat, 10 Nov 2007 08:45:30 -0600

Here is a brief and basic list of terms that could be used during your visit or phone call to the insurance agency or office.

Actuary: A professional that analyzes, evaluates and manages statistical data in order to determine rates and rating methods and determine the risks associated with policies.

Adjuster: A professional employed by the insurance company to evaluate the losses of their policy holders and settle claims.

How to file a complaint with your State Insurance Department

admin — Wed, 07 Nov 2007 11:13:02 -0600

There are many reasons why you may want to file a complaint with your State Insurance Department and Commissioner. If you have experienced problems with your Insurance Agent, Insurance Company or regarding a specific policy then you should contact your State Insurance Department and file a formal complaint. Before filing a complaint try to resolve the issue with them. Contact your Insurance Agent and Insurance Company and supply them with your data. Be sure that you have fully read and understand your Insurance policy before contacting them.

Top 10 Tips when buying insurance - health, life, auto and homeowners

admin — Wed, 07 Nov 2007 11:07:45 -0600

1. Buy life insurance when your young and healthy.

2. Smoking will dramatically raise prices of your life and health insurance premiums.

3. Buy Return of Premium instead of regular term life insurance. (You get all your premium back once the term is done.)

4. Don't let your health insurance lapse. (You may not be eligible if your health is not the same as it was before)

Tornado Safety - Where to go during a Tornado?

admin — Tue, 30 Oct 2007 18:36:06 -0500

It's likely most of you have heard of the horrible storm that ripped through central Florida this past week that killed at least 20 and possibly more. Most of Floridians are at a huge disadvantage when dealing with Tornadoes. Hurricanes tend to be more dangerous than Tornadoes but they have a better warning system in place where one can leave the effected area. A Tornado is so fast and so hard to predict that one may have only minutes to react. Floridians are used to dealing with Hurricanes but Tornadoes are less likely.

Average Insurance Costs - average cost of auto, home, health & life insurance

admin — Thu, 30 Aug 2007 20:05:19 -0500

As we all know, costs of insurance premiums differ depending on dozens of different factors. I will remind you that this is not concrete data, the figures below are what estimate to be average costs of auto, health, life and homeowners insurance premiums. How do we get our estimates? We take average cars, average home costs, average family size and ages to determine what we feel are sound averages.

Insurance Rates & Insurance Premiums

admin — Thu, 30 Aug 2007 17:01:20 -0500

Why do insurance quotes vary depending on the company?

There are a couple reasons insurance policy premiums vary depending on the company offering the coverage. Insurance companies calculate policy premiums differently buy most are calculated using past risk assumptions and an equation actuaries use to assume risks.

Organize your Insurance Policies

admin — Wed, 29 Aug 2007 15:37:11 -0500

Keep your Insurance Policies organized in case of an emergency

Be sure to organize your insurance information yearly. Organizing it yearly will keep you fresh on coverages and most important it reminds you what you have and where you have it. The last thing you want to do after a car accident, a health issue or a death in the family is to search for any information regarding insurance coverage.

Ideas for keeping Insurance information organized.

Retirement Planning and Estate planning with Insurance

admin — Wed, 29 Aug 2007 14:53:42 -0500

Retirement Planning and Estate planning with Insurance:
Insurance coverage for Retirees and Seniors

Retirement sounds exciting and liberating but be sure to plan accordingly to limit your headaches. Retirement planning is a big deal and without help it can make your retirement a bad experience. Plan your insurance needs before you retire! There are certain insurance policies you need to maintain and certain policies you could consider changing once you retire.

Life Insurance