Can Unemployed Individuals Avail of Health Insurance? Unemployed individuals may think that they no longer have options when it comes to finding an affordable health insurance. In line with the recent layoffs, however, these individuals are realizing that they actually have cheaper options in comparison to the plans they had during the time when they were still employed. After the layoff, an individual may lose his entire...more
10 Steps to Slashing Your Car Insurance Costs, Part 2 In Part 1, we detailed the first five strategies on how to cut your car insurance costs. In Part 2, we show you the second five.STEP 6 - Review, Change or Cancel No Fault & PIP (Personal Injury Protection)No-Fault Coverage, and it's Twin - PIP - started out as great idea's. Your premiums were actually going to be lowered. Then, your State Politicians got involved (at the urging...more
How to Save with Florida Health Insurance Options How fast a serious illness or injury can lead to tens of thousands of dollars in related medical fees may shock you, and the need for Florida Health Insurance Plans to protect your assets and savings is an unfortunate reality. When you understand what options are available, you can take advantage of plans that fit your situation at the lowest cost.What Are Managed Care Policies?Health Insurance Plans in Florida that allow you to see any doctor you choose are inevitably more expensive than managed care policies, which limit your choice in doctors and hospitals. Healthcare providers differ in quality of technology and training so you don't want to greatly restrict your choices.The key is to find a managed care policy with a broad spectrum of choices in doctors and hospitals. Fortunately, most major PPOs are accepted at 80 to 90 percent of U.S. medical facilities. These PPO plans can help you save even if you don't meet your annual deductible, and will only slightly limit the doctors and hospitals from which you can choose.Balance Annual Deductibles Against Monthly PremiumsThe deductible is how much you must spend before...more
Questions You Should Always Ask When Choosing an Insurance Policy When was the last time you sat down and actually thought about your insurance coverage? Let's face it, it's not exactly on the weekly "to do list" for a wide variety of reasons and so... it's not surprising that many are caught unprepared when an emergency happens. One...more
Your Credit Report and Insurance, Part 1 A growing number of personal auto and homeowners insurance companies have begun looking at consumer credit information to decide whether to issue or renew policies, or to decide what premiums to charge for those policies. This brochure is designed to help you understand, in general terms, how...more
Your Credit Report and Insurance, Part 2 If I don't know my score, and my score varies from company to company and day to day, how will I know if my credit is affecting my insurance purchases?The FCRA requires an insurance company to tell you if they have taken an "adverse action" against you, in whole or in part, because of your credit report information. If your company tells you that you have been adversely affected, they must also tell you the name of the national credit bureau that supplied the information so that you can get a free copy of your credit report. FCRA defines "adverse action" to include "...a denial or cancellation of, an increase in any charge of, or a reduction or other adverse or unfavorable change in terms or coverage or amount of, any insurance existing or applied for, in connection with the underwriting of insurance..."Examples of an "adverse action" include: - giving the consumer a limited coverage form - not giving the consumer the best rate - not giving the consumer a discount, or - giving the consumer a surchargeIn addition, most state laws require insurers to provide clear and specific reasons for any refusal to issue, cancellation or...more
Explaining the Different Kinds of Insurance Home insuranceThis product covers your home and contents against a flood, fire, flood or break-in for example, or if your pipes burst. Your home insurance policy has to include those just...more
Simplifying Insurance for the Consumer For most of us, insurance coverage represents a love-hate relationship. We hate paying for the premiums, but love having the right kind of coverage when it is needed. We realize that is important...more
Health Insurance Option for Unemployed Individuals If you are unemployed, you can still find options for affordable health insurance. You may check into cobra which will help to convert your previous group health insurance policy...more
Exchanging the Senior's Insurance Policy for Cash with Life Settlements Life settlements can be a viable option for seniors willing to exchange their life insurance policy for immediate cash. A life settlement is the sale of an...more
Affordable Health Insurance Premium in California We all know the importance of having health insurance. After all, we want to make sure that our loved ones are taken care of when we do not exist. But before you move out and purchase a...more
What Rabbit Pet Insurance coverage Offers You To pet lovers and lovers out there, the Royal Society for the Prevention of Cruelty to Animals or RSPCA is one name they can trust. But did you know that there's the RSPCA pet insurance...more