Unraveling Some Of The Mysteries of Health Insurance Although most of us resent having to pay insurance premiums, we will each experience a few occasions during our lifetimes when we are very glad that our insurance is up to date. Some kinds of insurance are required while others are not. Perhaps the most important, and most often misunderstood, type of coverage is health insurance. If you need insurance Baltimore MD, or wherever...more
Buying Term Life Insurance With No Medical Required They may be in some cases but the policies that really sell have very competitive premiums. In these cases the average premium is much lower than comparable term policies. How can the insurance companies do this.The answer is really simple, the underwriting is real tough. After you go through their underwriting process you realize that if you had seen an agent you would have a...more
Income Protection Insurance for Queensland Flood Victims: Who Can Claim? The Queensland floods, followed up by the storms associated with Cyclone Yasi, have been truly devastating for many Queenslanders. While loss of life has fortunately been low, the real impact for the majority of Queenslanders will be on their day to day life. How will they meet the mortgage payments? What happens if the car was washed away and they can't get to work? It seems as if these times are the exact reason that you buy income protection insurance ... however, many Queenslanders will not be able to claim on their income protection policy. We look at some circumstances in which the Queensland floods may have created conditions that allow you to call in the safety net of your income protection insurance.Flood-related injuriesIf you have suffered an injury during the floods or the flood cleanup, you may be able to claim on your income protection insurance, if:You are unable to work due to sicknessYou are unable to work due to injuryFor example, if you suffered a broken leg and would be unable to work, you could usually claim on your income protection insurance policy.Flood-related...more
Ways to Reduce your Life Insurance Premium Life insurance premiums can be expensive. In a time when money is tight and your financial future is uncertain, you look for ways to save money. Rather than dropping your life insurance altogether, however, you may be able to do some things to reduce your life insurance premiums. Here are a...more
Avoid Delays In Escrow Closing By Obtaining The Right Home Insurance In MI If you are in the process of buying a home in Michigan, you will be required to submit proof of homeowners insurance before you are allowed to close escrow. Many first-time homebuyers overlook the importance of quoting home insurance before they approach the...more
Understanding Ohio Small Business Health Insurance Ohio law requires that small group health insurance must be acquired by any small business. Not only that but the owner of a business is required to pay toward its employees' premiums before being sold a business health insurance policy. The company must also meet minimum participation requirements or the policy can be terminated. On the other hand, an insurance company may not cancel a small business health insurance policy in the state of Ohio because an insured employee gets sick.Insurers in Ohio recognize employers with two to 50 employees are qualified for small group health plans, but eligibility is based on number of full time employees and whether or not the number wishing to participate in the plan falls within specified parameters. Therefore, even though health care is offered attractive rates and give them many options, there is no guarantee that there will be enough participants.Interestingly, small businesses in Ohio can offer better insurance than larger ones. There are federal laws protecting them from price increases on their coverage. It still is not cheap, but at least some protection is afforded....more
Know What An Insurance Company Colorado Springs Can Do For You An insurance company Colorado Springs can do much more than sell an automobile or homeowners' insurance policies. Experienced agents assist consumers in creating a...more
What You Can Expect From Comprehensive Insurance Several important innovations recently have been added to comprehensive insurance for travelers but before you rush to sign up, it is important to understand that they are limited in...more
Reasonable Car Insurance for Young Drivers Studies shows that young drivers, especially men have higher level of crash accident ecperienced than older driver. This aspect might find young drivers difficult to find car insurance policy...more
Exactly why Full Coverage Dental Insurance Hasn't Gained Recognition? A full coverage dental insurance provides an individual with oral health care requirements and benefits. Apparently, you'll find some feasible drawbacks which...more
Shop for Semi Truck Insurance Online-Save Precious Time and Money Everyone these days wants to save money. There isn't someone out there that is going to help you find the semi truck insurance rate without perhaps making you jump...more
Clarify steps taken to simplify health insurance claims Wanting to know about the grievances of consumers of health insurance, the Bombay high court on Monday asked the central government, especially the union health ministry, what...more