Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been declined by the few life insurance companies they have applied to. The fact is, even if you are overweight or obese, you may still be able to...more
Lastly, try to combine your car insurance with other types of insurance like home insurance. By doing this, you can often get a better deal than if you took out insurance packages with different insurance providers individually. The underlying key to getting the best deal on car insurance is to be proactive and to work out what your needs are and then search for an insurance package accordingly.Researching And Choosing A Car Insurance Package ...more
Another way you can save on premium payments is by making annual payments. Most life insurance companies offer several payment options. You can pay monthly, annually or even quarterly or semi-annually. However, life insurance consumers may not know that by paying your premiums, other than annually, you may incur interest or what may be termed as penalty fees This interest is called the Annual Percentage Rate or APR. The APR varies from company to company. The consumer protection legislation and rules do not require companies to disclose their APR but there are general rules that you can apply to ascertain whether it is worth paying monthly premiums against annual premiums. Some online insurance quote providers offer a quick and easy way to do this is by using an APR calculator to derive at these figures.So, one easy way to save on life insurance is to pay premiums annually. If you can afford this, it is definitely worth the savings. With some life insurance carriers, paying your life insurance premiums annually can save you up to 20 percent. By paying annually, you can actually reduce the premium. For instance, if your annual premium payment is $2000.00, your monthly premium may...more
It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your death. Most life insurance policies bequeath their proceedings to their spouse or children, but how this is worded in your life insurance policy is crucial and...more
Some people travel for pleasure, others travel for business, and then there are those who go to another country for an extended period of time working, or perhaps to study. Returning Canadians who may not be immediately eligible for the government medical plan or those newly arrived in the country should be sure that they also get coverage....more
If you have been in a car accident, you may be wondering what the next step is. Filing an Insurance claim in Canada is fairly simple once you know the rules. There are somethings you should do to help your claim go through smoothly, and things you should avoid doing. Learning the process of insurance claims in Canada, is a great way to be proactive for any future claims that there may be.In Canada, it is the law to possess insurance on your car and carry the papers with you. If you are found driving a car with no insurance coverage, you can be fined a few thousand dollars. Not having the proper papers in the car at the time of an accident can result in a fine or court date. You do not need to have damage coverage on your vehicle, if you do not want it to be fixed in an accident, however you do need to have all other areas of coverage.If you are ever in an accident, you will need to exchange information with the other parties involved. Ensure that you write down everything about their insurance company, along with the other driver's name and car info. If there are any witnesses to the accident, you should get their name and number if they are willing to give it to you. Gathering as...more
Medicare supplemental insurance, also known as Medigap, is a medical insurance policy that is designed to enhance the protection afforded by the original Medicare program. Although Medicare Parts A, B and D cover the majority of the everyday...more
An alternative which protects you against declining insurability as well as providing life insurance that meets your changing needs is to plan ahead. Since individuals' insurance needs generally decrease as they age, most people can satisfy their...more
If your business is new to the courier industry, you may be unaware of the insurance process, and what responsibilities that you should assume versus those which your courier will handle. For example, if you use a Houston courier service to transport...more
If you are planning a move to Mexico, either full time or for part of the year, you will most likely want to bring your car. There are many reasons for this. It's easier to get around in a car. Since roads are good in Mexico, it's fun to be able...more
If you allow been in the sphere of the insurance sports ground meant for sometime at present, either serving in the same way as an insurance dealer or else in the same way as an insurer, afterward you would surely know how imperative vigor insurance...more
Many businesses do not want to enter into either long term lease arrangements or buy new vehicles at a time of such economic uncertainty. Even though there is an additional cost of 20-25% per month, many businesses are opting to pay this in favour of...more