How Do Life Insurance Companies Make Money? Basically, life insurance companies act similar to gambling establishments. They offer you odds that are directly related to your gambling on your mortality. If you pay them enough in premiums before you die they will make a profit. However, if you pass on before they anticipate that people in your category will die, then they will lose money.In order to attempt to guarantee that they are...more
Commercial Truck Insurance Varieties To Be Aware Of Commercial truck insurance can seem overly complicated at first glance, but it's only because the truck industry itself is so diverse. It's not so complicated; there are just many specific types of insurance to meet the needs of various types of drivers (i.e. full-time, part-time, independent, salaried, and small business truck drivers).Anyone considering purchasing commercial...more
Commercial Truck Insurance: Bobtail Coverage For Independents Different commercial truck drivers have different needs. Some driver work part-time; some work full-time. Some drivers own their trucks; some don't own. Some work for large freight operators; some for smaller companies. The drivers that have full-time employment usually have their truck insurance needs covered by their employers. Their employers take care of all the necessary insurances to cover all of their different trucks, cargos, etc. Bobtail truck insurance does not usually apply to these drivers.Others truck drivers work independently or part-time, and without employers taking care of insurance needs, these drivers need to be concerned about insuring their livelihood. Usually these drivers own or rent their semi-truck, but as independent drivers, it is extra important to have the appropriate coverage and filings. These are the drivers that need to be concerned with bobtail insurance.These independent drivers know that when they are hired on a short-term basis, they will be provided with the federally mandated primary liability truck insurance that the motor carrier possesses. This coverage keeps them...more
Are You Tired of Overpaying for Insurance? Are you tired of overpaying for insurance? Have you thought there's probably a better deal or alternative out there? If you've had any of these questions, visit ZipQuote® today and get the answers. At ZipQuote® you can easily generate Free in depth insurance comparisons and quickly...more
Find a Travel Insurance For People Over 70 Traveling is one of the favorite pastimes of retired people. You have enough money to enjoy going to places and you have all the time you need. Retirement is the best time to travel. This is the time most people go to other places. You can go to parts of your country that you've never been...more
Car Insurance Prices, The calculations Most people know about Car Insurance, well everybody who owns a vehicle should have a policy. Its one of those annual gripes that you hear being discussed in the pub, at work and even in the gym. However not many people know what actually goes into what actually determines Car Insurance Prices.So we thought we would give you our valued customers a "dummies" guide to the pricing matrix used by insurers. To be honest we could go into loads and loads of detail covering statistical analysis going back to the dark ages but that would not get us any further into the issue. We thought this would also be a pertinent article as the courts have just ruled that gender discrimination cannot be allowed to exist in premiums.So historically one of the main things that went into Car Insurance Prices was gender, it was one of the easiest things to test statistically. It's a very simple way to differentiate between claimants, including cost of claim type of claim etc etc. So now that this data will effectively fall on deaf ears how companies will set premiums. To be honest its not quite clear how insurers will cost female policies. One way would...more
Where Did Insurance Come From? The concept behind life insurance is pretty simple, really. When the person who has a life insurance policy dies, the people that the deceased has designated as beneficiaries will receive money from the...more
Staying In Business With NJ Insurance There are many kinds of NJ business insurance to take care of commercial insurance needs. Policies will vary from any number of factors such as industry and the specific type of policy needed...more
Insurance In One Cost-Effective Plan When you are looking for insurance, it is a good idea to see if you can get the polices that you need lumped into one plan. It will be much more cost-effective this way because the company will be...more
Choosing Errors And Omissions Insurance In our ever-increasing litigation society, it is crucial for professionals to have reliable errors and omissions insurance. If you are in a field such as real estate, you understand the need to...more
Types Of Insurance Your Business Needs Business insurance NY business owners should consider needs to be put in place in order to keep the business safe from financial ruin due to something that is out of the owner's control. If you...more
An Overview Of Business Insurance: Any new company or business should start by purchasing at least the minimum business insurance required by law. The laws vary from state to state, so be sure to look into local laws before purchasing...more