With the removal of 'whole life' insurance policies from the Australian market some time ago, life insurance has been simpler than ever. The remaining option, term life insurance, works in exactly the same way as any other insurance product. You pay a premium, the insurance company gives you a list of covered events and if one of them happens, you can claim the listed amount. This also applies to trauma insurance and TPD insurance (total and...more
A lot of financial advisers say that you are crazy to consider taking out insurance policies on your children. The assumption is that if they don't earn an income, their wellbeing isn't worth insuring. However, if you close your eyes and place yourself in a situation where one of your children has been seriously hurt or become very ill ... then consider the financial ramifications ... you'll understand why children's trauma insurance can be one...more
If you are looking for a Maryland car insurance company, or merely wondering if you are getting the best deal on your insurance with the company you are presently with, it can be difficult to know where to begin searching. Obviously, it can be helpful to search online, as you can actually narrow your search down to find companies that are in your local vicinity. Perhaps the most important issue however, is not how you can find a company but how you can find the right insurance company.One important point to remember when it comes to insurance is what is best for one driver may not be the best for another. A very simple case in point to illustrate this fact is that some insurance companies target women drivers. They offer women driver"s incentives and bonuses and their entire advertising focus is more towards women than men are. Obviously, a woman may find that company offers her a better deal than other more general auto insurance companies do.When you are trying to decide which Maryland car insurance company is the best for you, there are several factors you will need to take into consideration. First, contact companies and ask for their rates, as that will be the first step in...more
According to the Decennial Census in 2000, the population of Americans aged 65 and above will have ballooned to over 70 million by 2030. This is alarming for thousands of uninsured baby boomers who have no option but rely on their old spouse and children for care. The publicly-funded Medicare is said to be Americas saving grace on elder care, but...more
Teenager car insurance is actually a different area of insurance than the general car insurance that is given to adults who have a steady income. Because teens who drive are generally those who have little to no experience, they are still considered as high risks for liabilities as opposed to a good investment in the part of the...more
From 2007 through 2009, Tennessee was rated as the second worst state for adult obesity. Only Mississippi was rated worse than Tennessee's 31.6 percent ranking, which was tied by Alabama.A 2010 report from the Trust for America' Health and the Robert Wood Johnson Foundation has now confirmed Tennessee as the second worst state for obesity.Far from being benign, obesity is among the key risk factors contributing to a growing epidemic of type 2 diabetes. According to the manager of the Step ONE obesity prevention program, John Bilderback, children as young as five have been diagnosed with type 2 diabetes. That disease had been known as "adult-onset" diabetes.Obesity Highest in States with Epidemics of Type 2 DiabetesThe link between diabetes and obesity is so strong that the top 10 states for adult diabetes are among the top 14 states with the greatest obesity problems. As you might suspect, Tennessee is the third worst state in the country for having a high rate of diabetes.This escalation in obesity has been relatively recent. Back in 1991, no states had obesity rates over 20 percent. Today almost two-thirds of the states have rates over 25 percent.Researchers Are Changing...more
Saving that extra dollar is an all too common ideal, particularly if you have a family. In today's economic climate we have to be able to stretch that extra dollar and make it really count. There are a number of budgetary constraints that we can...more
Residency checks are a great way to avoid fraudulent insurance claims. These checks are performed to make sure the person taking out insurance and filing claims actually live in the area they say they do. It's not uncommon for someone...more
Insurance is an urgent need for dealing with increasing problems and disputes in todays commercial world. Every now and then, it is sad to hear stories about lost cargo, freight charges and such others. Why not to seek an important instrument that...more
Protection & Indemnity insurance is shortly known as P & I insurance that specifically protects liability coverage designed for sea-going yachts, vessels and boats. It is mainly used for ships that are used for transportation cargos for commercial...more
Errors and Omissions Insurance for Insurance Agents and BrokersInsurance agents and brokers (IAB) perform a valuable service for the business community. They are responsible for helping businesses manage risk and mitigate claims associated with...more
Whenever trying to get insurance on a provisional licence, it is not the same as the normal insurers, because they are able to provide free quotes. Standard insurers are giving high rates for their vehicle insurance. The rates that...more