Reading a life insurance policy does not top most peoples list of must reads. However, it is important to familiarize oneself with the various provisions of the policy before it is time to file for benefits. There are several basic sections with which policyholders should familiarize themselves.1.The Cover Page The cover page identifies the carrier of the policy and the type of coverage, such as term or whole life. It also outlines the right to...more
A comprehensive car insurance policy covers a number of unforeseen conditions that result in any loss or damage caused to your car. In the first place, a car insurance policy cover losses caused due to any natural calamities, theft or burglary, fire, and accidents. To be more precise, the natural calamities covered under a comprehensive car insurance policy essentially include flood, earthquake, landslide, rockslide, lightning, storm, typhoon,...more
Securing oneself and his or her family for the future has become the latest concern in the minds of all individuals. Gone are the days when individuals thought a several times to purchase insurance policies. Owing to the occurrence of a wide variety of diseases; health insurance has gained priority over other insurance policies. Now-a-days, purchasing a mediclaim policy is surely on the minds of many people but securing the right policy is quite a difficult task. A lot of preliminary understanding of the whole aspect has to be done. When the discussion is regarding health plans in India, the family floaters and the individual health plans are the two major options that are provided to citizens. Clear knowledge of the features and coverage aspects have to be gained in order to be able to do the right choice. The coverage and exclusions may differ from one policy to another but the important task is to be able to get the maximum advantage when the insurance claim is done. With a little bit of idea on the advantages and disadvantages of one policy over the other, the task of choosing the best health policy becomes a lot easier.Merits of family floaters over individual health...more
Tax planning is one of the important aspects of financial planning. Not only does it help in reducing your tax liability but through this you also ensure yourself a secure future as you are forced to save that chunk of money through one way or the other.Therefore, while you plan your investments, tax planning should be an important aspect to...more
Life insurance plan not only provides a risk cover or death benefit in case the life assured dies within the term plan, it also provides income tax benefit through tax deduction and tax exemption. Although investment based life insurance policies are also subjected to various tax reliefs. So, prudent people choose a life insurance plan to ensure a...more
In the present days, insurances are a big help to people. Not only life insurance, but now there are other types of policies that provide coverage to accidents, medical bills, cars, house etc. Along with that there is a new scheme which even covers keys. The keys are a very essential item that is used to lock doors of houses, safes and cars. The lock accessories, that are now used cost a lot and therefore when they gets lost, one needs to pay a lot to make another one or needs to get a new set of locks. Along with that an individual also has to face different problems in these situations. However, now there is a way to avoid these circumstances as the different insurance companies also provide coverage to lock accessories.A good set of lock can cost a lot, along with that a modern car key is priced at around $200, so if a person loses his key or the lock gets damaged, then it can be a costly affair. Therefore it is much better to have an insurance that will cover these problems. The companies that provide these policies provide with different types of facilities to the customers. They would provide an annual cover of around $1000 that would include, locksmith charges, repairing of...more
Life insurance policies are one of the most popular tools used by a vast majority of Indians for insurance purposes. An unexpected tragedy can happen in anyones life and life insurance policies are one of the best tools to lessen the financial burden...more
To help prevent discrimination in the workplace, the United States has passed laws dealing with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and...more
Businesses hire people all the time and many also choose to leave or are terminated every year. While most of these employee changes are standard, employment practices liability insurance is a crucial layer of protection for businesses who might have...more
If you are a stay-at-home mother, or a mother that works from home, you may want to consider purchasing supplemental insurance in a number of different situations. Of course, this is assuming that you have Artie purchased health insurance, and are...more
Property insurance is there to make you financially whole after a loss. By paying a relatively reasonable amount to a property insurance provider, you are assured that you can remain safe from the burdens that you could face during uncertain loss in...more
When youre looking for insurance in Mississippi, any insurance broker will represent many different insurance companies (those providing the insurance plan and coverage). Its important to compare insurance quotes and be sure youre getting the right...more