Why You Need Boat Insurance Today Some people simply overlook boat insurance. They think that nothing bad is going to happen, when in reality, bad things often happen involving boats!If you own a boat, you need boat insurance. In fact, many states now require boat owners to carry Watercraft Liability insurance before they transport or operate a boat. If your boat has been financed, your lender will almost always require you to...more
How To Get A Good Deal On Vehicle Insurance It is a given that vehicle insurance is a necessity these days what with the number of cars on the road, and the insurance industry has grown accordingly. The proliferation of vehicle insurance packages available on the market can make it difficult to find the one that best suits your needs, not to mention the time it could take you to find the right quote. But do not despair as it is...more
Drinking Too Much Alcohol Affects Your Life Insurance Rate Does the amount of alcohol you drink affect your life insurance rates? While life insurance companies may not be primarily concerned with how much alcohol you drink, they are definitely concerned about any adverse effects your drinking may have on your health. Heavy drinking as a lifestyle may lead to chronic health concerns such as heart disease, stroke, depression, dementia, liver and gastrointestinal problems.Because the amount of alcohol you consume may have bearing on your health and longevity, life insurance companies are interested in this aspect of your life. Most companies would not hesitate to increase your life insurance rates if you are a heavy drinker. In fact, according to the underwriting practices of some life insurance companies, drinking two drinks a day may disqualify you from the "preferred" category. Drinking four or more drinks a day may disqualify you from "standard" life insurance rates.If you already have a history of alcohol abuse, and you have attended Alcoholic Anonymous meetings or have had a DUI on your driving record, this could lead to much higher life insurance rates....more
Exercise Improves Your Health and Your Life Insurance Rate Life insurance companies are basically gambling against your death. The more risk factors you have for an early death, the higher your premiums will be. There are certain pre-determined risk types that you will fall under depending on the condition of your health. If your...more
Obesity and Life Insurance Being overweight is usually a cause of concern when applying for a life insurance policy. Some people who have challenging health issues related to being overweight think they cannot get any insurance at all and therefore, may not even try applying for life insurance coverage. Some have tried and have been...more
Researching And Choosing A Car Insurance Package Heavily-congested roads and the high rate of vehicle theft have made car insurance a necessity for anyone driving a car these days. What is more, insurance companies have responded to the need for car insurance and this has resulted in a proliferation of different kinds of insurance packages on the market. Given the number of car insurance packages around, getting the best deal on car insurance can be a challenge.There are, however, a number of ways to get the best deal on car insurance. First of all, determine your insurance needs and then shop around for quotes. The best way to do this kind of comparison shopping is to go online for car insurance quotes. You can get up to 9 quotes at one time from reputable insurers and save on your insurance at the same time. The turnaround time is faster online and you will save yourself the time and hassle of getting quotes from individual companies. Compare the online quotes you get and select the one with the best coverage to suit your needs.Most insurance on cars is for replacement at market value, and because a car is a depreciating asset, the replacement value of your car...more
Reduce your Life Insurance Rate by Paying Premium Annually vs. Monthly Looking out for ways to reduce your life insurance rates? Most people know that the following tips can help to reduce your life insurance premiums:Keeping healthy...more
Who can be a Life Insurance Beneficiary? It is fairly obvious that your life insurance policy should name a beneficiary since the sole purpose of a policy is to ensure that your loved ones will be financially supported after your...more
Cheaper Young Drivers Insurance - Get cheap Insurance Now The effects of the economic recession have been numerous: lower wages, expensive house rentals, nothing else is getting cheaper, not even car insurance. As of the moment, having...more
Cheap health insurance for young people - Save hundreds of Dollars In today's' world, everyone is questioning everything. Even in the world of politics, everyone is blaming someone for their current mishap in life. And right now, we...more
Job Position Insurance Company Insurance policies Brokerage Company Program - Pricing MethodsThere are numerous separate methods for setting pricing and earning revenues to your insurance brokerage business enterprise. Generally,...more
Dental Insurance Plans -- What You Must Know Healthcare costs have skyrocketed in the recent years. It would not be possible for the common man to directly afford these. The same goes for dental healthcare facilities as well. Even...more