If you have a medical condition and you are looking for North Carolina health insurance, you know the challange this can present. It is likely that you have already been denied coverage from an individual carrier and now are at a loss as what to do next. If you have not yet experienced the pain and humiliation of health insurance rejection, then you may have had your rates adjusted rediculously high on your potential plan due to your medical...more
Term insurance is the purest, simplest and perhaps the most useful form of life insurance. Under a term insurance policy, the policyholder pays a premium for a fixed term ( which is typically between 5 and 30 years) . If the policyholder survives the duration of the policy, the risk cover comes to an end. If something untoward happens during the term of the policy, the sum insured is paid out to the policyholders dependants. Life insurance...more
If you want to compare business> in Australia then you are going to be hard pressed to find a website that gives you the information you require. I have purchased several business insurance policies and to be honest I didn't really make a comparison. I am in the new generation that hits the internet first and when I did a quick Google search for business insurance, nothing decent came up. There was no website that compared business insurance for you from a range of insurance companies. This would have made it easier, but instead I rung an insurance company I know to be good value and got my policy there. I didn't compare at all.Well, now that has changed, it is no longer time consuming to compare liability insurance or other business insurance products online. There are a few websites where you can leave your details and someone will contact you with a quote comparison. The nature of business insurance means that you will almost never get a live quote. Usually an insurance company will need to contact you and confirm your details and ask a few questions about your business. These business insurance comparison websites are no different; you will not get an instant quote but within...more
As a parent it is your dream to see your child happy in life. You may already be nurturing plans of seeing your daughter or son in wedding attire, or seeing them reaching great heights in their respective careers. For these dreams to come true you would not want finances to become a road-block. That is where the child insurance plans come in handy....more
Health has become a major factor in peoples lives. So people should take some responsibility towards their health. As you all know there are many kinds of diseases and still every day new diseases are being discovered. Though doctors and scientists are trying their best to solve the diseases with new technologies, the treatment cost can be...more
The internet has made life very easy in a lot of ways. However, it has also created a lot of confusion! Much of the insurance discussion available on the net is US- or UK-based, and our Australian insurance industry is quite different. Today we check out a common misconception when buying income protection insurance - that it will cover you for unemployment.What does income protection insurance actually cover?Overseas, income protection cover will often cover you for involuntary unemployment. While the taglines or advertisements for different policies might say "What would happen to you if you were unable to work?", they actually mean "What would happen if you were unable to work due to your own sickness or injury?". Income protection insurance policies are similar to the old sickness & accident type policies; however there are some key differences. Income protection policies have a set benefit period of usually 2 years, 5 years or until age 65. Whereas most of the sickness & accident policies had life time benefits and therefore paid until you passed away!What doesn't income protection insurance cover?In Australia, income protection insurance doesn't cover: Redundancy Being fired...more
It is always a hard time when a loved one passes away and the last thing you want to be thinking about are the funeral costs. You want to be spending time with family and friends and have so many things to do such as meet the lawyers, doctors,...more
When setting up life insurance, you can choose any lump sum you would like. However as your situation changes over time you might find that you need a greater amount of life insurance (for example if you have had children or taken out a mortgage your...more
Let's face it, if you are supporting a family these days and you drive, you are probably strapped for cash most of the time. However, you are probably at a point where one or more of your children have now gotten their driving licenses. For them to...more
Getting auto insurance is no longer just a good suggestion to drivers, as this has become mandatory for drivers all over the world. This is means to protect what you have as well as being able to help you afford damage that you might cause someone...more
Finding the cheapest car insurance for young drivers isn't that hard to do. In fact, in spite of what most people think, getting low cost coverage for your teen doesn't mean having to settle for low quality. There are several simple things that you...more
Insurance is something that everyone likely will need at one point or another, especially if they plan to hit the road once they get a driver's license. The truth is, though, so many different people are either driving uninsured or just aren't...more