Mourning for the demise of a family member can be a distressing and painful experience for any individual. Thus, insurance companies have to ensure that the beneficiaries of the policy owner will not go through a stressful process of claiming the life insurance benefits. Essentially, the preliminary process of claiming the benefits of a policy requires a very minimal time but the process can be deferred if the policy owner withheld or omitted...more
Health insurance for self employed workers allows people to obtain medical insurance without a large corporate backing. The self employed insurance professionals offer a wide variety of plans that are designed to meet a variety of different situations. The health insurance for self employed people is available to all people, regardless of their industry and job title. The self employed worker just needs to contact the health insurance company for...more
A new study shows the number-one workers compensation insurance concern of employers during 2012, moving into next year, is cost containment. Conducted from January 6 to February 24, Zywaves Workers Compensation Safety Survey studied 20 business sectors, with the heaviest representation coming from manufacturers (17 percent), health care and social assistance providers (15 percent), and construction (13 percent). Survey respondents included human resource personnel (36 percent), finance staff (19 percent), CEOs or presidents (16 percent), and other staff, including safety managers, risk managers and operations directors. Some 57% of those participating reported workers' compensation premiums under $50,000 annually. Many said they are somewhat concerned about their ability to contain costs this year. Employers are also concerned about increasing exposures, renewals and rising fraud behaviors.Among the companies surveyed, 54% reported a payroll increase in the last year, while 21% reported a decrease and 24% said their payroll did not change. Almost half (48 percent) reported a premium increase in the past year, while 28% reported a decrease and 24% said their premiums stayed the...more
Vehicle insurance is an obligation for the owner of the vehicle as it is mandatory to buy auto insurance in India. Vehicle insurance is of utmost importance and it does not serve legal obligations but provide useful compensation to the insured in the event of any contingency. This contingency could be anything i.e. man-made or due to natural...more
When you consider the private medical insurance, you see that it has a lot of advantages to offer you. These advantages are not just on the use of the medical insurance policies alone, it can also be in comparison to public medical insurance policies. We can never overemphasize what you gain when you use this method of insurance, because they are...more
There are a lot of things to consider when you start thinking about getting insurance. Health insurance has its own considerations, apart from what you can afford. While you might think that you need a plan that is most tailored to your needs, you will find that there are at least some aspects of the plans that you need to question. Before you get your health insured, make sure you ask yourself these simple questions. The first thing to ask is what sort of budget you have. Take a review of your finances and decide how much you can spare each month. While youre doing this, take into account whether you would rather opt for deductibles or co-pays. Deductibles are the set amount you have to pay before the insurance company takes over the payment of your medical expenses. Co-pays are the amount or percentage that you have to pay for a visit or check-up.You can either choose to insure either yourself or your family as a whole. Depending on the choices you make, the amount you pay as a premium fluctuates. The price is going to go up if you opt for a plan for your entire family, clearly. But depending on the plan you choose, it might be cheaper than having to get individual plans for each...more
Innumerable health insurance seekers have high pressure of the blood. This is generally attended by prescribed medicines. Of course, the chief reason for obtaining the health insurance is to support one in the process of treatment which is expensive...more
Whether you are a home owner, businessman, self employed or landlord, securing insurance for your property guarantees that you remain protected during unforeseen circumstances. If you own properties, shopping for property policy would make you secure...more
Life insurance is a plan to avoid the risk of financial loss by replacing income and protect assets. It is a financial tool that protects the family's future. This policy is for loved ones to protect them from the struggle of financial crisis. SBI...more
While most homeowners have insurance, it's important to find out if you have enough insurance. If the worst were to happen to your property, meaning total destruction, will your homeowners insurance policy provide you with the coverage that you need...more
Buying auto insurance can be tricky business. If you think youve hit jackpot with finding the cheapest car insurance, you might want to reconsider. Dont convince yourself into believing that cheap car insurance is the best way to go. Remember, haste...more
Lying on your car insurance application could lead to serious consequences. Your policy could get cancelled or your reported claim could be denied, or worse, you might be denied car insurance coverage in the future. If youre found guilty under the...more