So to all young drivers, if you want to avail of car insurance at low rates, you have to be responsible drivers.Ways to Obtain Car Insurance for Young Drivers at a Cheap Rate By: Craig Davidson About the Author More information about car insurance for students or tips to save on car insurance for young drivers available at Insure4USA.com (ArticlesBase SC #3137004) Article Source: http://www.articlesbase.com/...more
There once was a time when flipping a house was no big deal. You simply bought the second property, took a few months to redo the cosmetic damage and create the home of someone's dreams, put it on the market for way more than you paid for it and more than you paid to fix it up, and then it sold. No muss, no fuss and, for some property flippers, no need for homeowners insurance. But times have changed and real estate in the U.S. is not selling as...more
Universal life insurance might sound like a policy that covers more than just your life, but in reality, universal life insurance is simply a life insurance policy that offers a death benefit as well as the option for cash value accumulation. With universal life insurance, you have a varying premium that you can pay. The minimum you need to pay is the cost of insurance. This is the amount that will pay for your death benefit but will not result in any cash value accumulation. You can also pay more than your cost of insurance and that will result in some cash value accumulation. Cash values accumulate and earn a fixed rate of return in a universal life insurance policy. They are not subject to the volatility of the stock market and there are no sub accounts for you to choose. While the premiums of a universal life insurance policy may be flexible, there is a maximum that you can pay. If you exceed this maximum then you may accumulate cash values too quickly and a modified endowment contract (MEC) may occur. In a modified endowment contract, the value of your cash values rises too close to the value of your death benefit and the policy cash value becomes taxable. One of the great...more
Your life insurance policy doesn't have to just cover you. In fact, you can simplify your life and budget by adding family coverage riders to your life insurance policy. These riders provide affordable coverage for your spouse and children. Child rider coverage You can buy life insurance for your children through a child rider on your policy....more
When you are shopping for a health insurance quote one of the things you might consider is a group health insurance policy. But you should know that there are many drawbacks to group health insurance policies that can adversely affect you and your family. The Difference between Individual and Group Policies Before you get a health insurance quote...more
Some people simply love collecting cars, while others may just own several cars. If you are one of these people, you could save a lot of money on insurance if you opt to cover all of your cars under a single umbrella while having the chance to apply different terms and limitations on each car separately. On the same note, if you have a lot of cars that you use for your business and for other commercial purposes, you definitely need to look into fleet insurance. Yes, you can get a van fleet, motor fleet, taxi fleet, coach fleet, company car fleet or minibus fleet insured under a single option of insurance policy. Haulage fleet insurance happens to come with the exact same advantages as normal insurance policies. The only difference would be the fact that you will be saving on both premium costs and administration costs. Plus, there will be less stress and hassle when it comes to trying to recall every car's dates of policy renewal - definitely a policy with a lot of benefits. With this type of insurance, insurers will take care of any required paperwork while still giving you a chance to have certain terms and limitations applied to every individual car, if you want. For haulers...more
The taxi business market in the UK has more than doubled since the past two decades. From a low of about 16% many years back, about 32% of the growing population today ride a taxi at least once a month. If properly managed and protected,...more
Motor trade insurance is something every business owner needs. This is the first thing they have to take into consideration, and is also the first thing they should think of spending on before deciding to sell anything in their motor trade. The...more
Insurance companies have been known to use many different delay tactics when it comes to settling or paying out on an insurance claim following an injury accident. It is often said that insurance companies possess two faces, one outward and one...more
Numerous people, across the world strive for getting perfect information regarding life insurance quotes. However, it can get tougher, if you do not have basic information regarding the life insurance coverage. You need to opt for a life insurance...more
Each year, tens of thousands of Australians travel to Thailand, which is known as the land of smiles. There are plenty of positives for tourists in Thailand - it has an amazingly warm and stable climate, the unique regional economy means that our...more
Business health insurance is one of the significant advantages companies are offering to their employees these days. Health insurance is also one of the prime considerations for an employee while taking up a job. For an employee, it is satisfactory...more