A beneficiary is the designated recipient of the proceeds of your life insurance benefits. Your policy can be designated to a single beneficiary or have multiple beneficiaries. Life insurance beneficiaries are typically spouses, children or grandchildren. A life insurance company is obligated to issue death benefits to the person listed as the beneficiary listed on your life insurance policy. It is therefore extremely important that you update...more
Term life insurance is popular because it is one of the cheapest types of life insurance offering the maximum amount of death benefits for the most inexpensive premiums. However, a major problem with term life insurance is that no one can accurately predict whether you will need life insurance at the end of the term period. If youre still alive at the end of the term period, thats great news but outliving your term policy does put people in a...more
Anyone who lives in a location that has four seasons will tell you that it is both a blessing and a curse. Cold weather may bring warm feelings of holiday cheer, but it also brings snowstorms and a variety of dangerous weather conditions.Stay safe on the road in inclement weather by following the advice of the Insurance Information Institute: Give yourself enough time to arrive at your destination. Trips can take longer during winter than other times of the year, especially if you encounter storm conditions or icy roads.Bring a cell phone so that those awaiting your arrival can get in touch with you, or you can notify them, if you are running late. But avoid the temptation of using the phone while driving, as it can be a dangerous distractionpull over first.Drive slowly because accelerating, stopping and turning all take longer on snow-covered roads.Leave more distance than usual between your vehicle and the one just ahead of you, giving yourself at least 10 seconds to come to a complete stop. Cars and motorcycles usually need at least 3 seconds to halt completely even when traveling on dry pavement.Be careful when driving over bridges, as well as roadways rarely exposed to...more
In the UK the issue of recovery of the PPI came to the forefront of people's concerns. Payment Protection Insurance is a form of insurance, which is used to cover the outstanding balance of a loan or overdraft. There are a number of cases in which a person may be able to reclaim PPI. If the person was unemployed, retired or self-employed for...more
If you are tired spending all of that time and energy that is required to manage your insurance needs, then consider tapping into the convenience and power of a full service insurance agency. Not only is it just as affordable, letting trained and qualified professionals handle your various needs can take a huge burden off of your shoulders while...more
It seems as if it used to be that dentists were jacks of all trades. They used to drill, clean, fill, and root canal no matter what their specialty was and it is for this reason that the cost of dental care was way down.Now it appears that every time you go to see the dentist you have several things that need to be addressed by several different specialists and a dental plan that seems to limit everything. While dentists are constantly plugging root canals dental plans are only covering a very small portion of this expense.When it comes to dental care, plans aren't what they used to be and as a result you will likely find that most individuals are putting off dental work or simply visiting reduced cost clinics for some palliative care. All in all, most dentists are making long lists of work that needs to be done to beef up their bills and most individuals are unable to go along with it because even with health insurance coverage dental care is very costly.Many would say that the dental community has elevated themselves to try and make the equivalent of medical doctors but honestly, many believe that the problem truly lies in the foods we eat and that there is so much more sugar in...more
Still unsure of what public liability insurance is and what it can do for you or your business? Below are some known facts about public liability insurance that can be of help in case you have some questions in mind about it. I hope that these facts...more
Are you currently tired of paying out an excessive amount of in your vehicle insurance policy in New Jersey? Seeking to come across one of the most coverage for that least amount of cash? We are able to aid! You can help save as much as 70% in your...more
By surfing the Internet youll find many authority sites relevant to long term care insurance that are equipped with advanced tools that allow potential policy buyers to calculate their possible annual costs for long term care insurance premiums. For...more
Buying a house was considered a good investment until five years ago when the housing market began to experience a downswing and all of a sudden the countrys progress slowed down. Nowadays, many investors put their money in LTC insurance and its not...more
Have you noticed that all online tools providing car insurance quotes start out by asking your ZIP code? There are several reasons behind this which we'll talk about in this article. Suffice it to say that providing a false ZIP code to get a better...more
No matter what you think of scientists, there seem to be changes in the weather. There've been more violent hurricanes and storms, some devastating tornados, and more flooding than anyone might have expected. Looking around the world, there's massive...more