What Is Long Term Disability Insurance? As it is called, long term disability insurance should pay you an income in case of disability for an extended period of time. For most people, it seems that that period of time is at least 5, 10 years or to age 65. What we have found though, is that, in most cases, policies benefit periods are just 2 years! This two year benefit period seems to be most prevalent with disability insurance policies...more
I Was Recently Diagnosed With Depression. What Happens Under My Term Life Insurance, Income Protection and Trauma Insurance Policies? A diagnosis of depression is often more of a relief than a burden. As opposed to a diagnosis of cancer, multiple sclerosis or HIV, a diagnosis of depression gives you a way forward, acknowledging the reality and treatability of your condition. However, most of us are aware that mental health is an...more
If its about saving money, we are all very much interested. But its important to remember that the lowest insurance rates are not necessarily the best. Never purchase car insurance from a company who offers ridiculously low rates. We should be aware that sometimes, these discount offers can be a trick and will cost you more in the long run. So here are a few of the legit car insurance discounts that you can rely on and be assured that are not concealing large amount of problems. DEFENSIVE DRIVING DISCOUNT- It could also save you money if you let your teen take a DRIVERS EDUCATION COURSE or learn from professional instructors as most insurers offer discounts for teens that have successfully completed this course and signed an agreement about safe driving style to avoid tickets. This course teaches you some driving techniques to avoid accidents. Auto insurance companies believe that this course helps you become more aware of what is happening on the road. GOOD STUDENT DISCOUNT- The classic discount is the good student discount. Most auto insurers believe that good students make responsible drivers so they give 5-10% premium discount if your kid has grade point average of at least B,...more
Life Insurance for Seniors Is Unnecessary, Plus 5 More Insidious Retirement Myths For many of us, retirement is a strange and very far off time. However, for an equal number of people, retirement is just around the corner! In today's society, the voices tend to belong to the Baby Boomers and younger generations, who are comfortable spouting...more
Commercial Trucking Insurance Is For Your Protection You always want the best when it comes to your business. In very detail involving the operation, quality control is strictly adhered to in order for you to achieve the ultimate profit. This is very true especially when you are in the trucking business wherein you travel goods from one...more
When setting up a life insurance plan there are several points to consider. Well look at three of the most important to get right.The first thing to consider is the amount of life insurance you want (the lump sum that you choose to insure). With most life insurance plans you can choose any amount you like so the actual sum of life insurance you get is totally over to you. Most people either use an online life insurance calculator, or discuss their situation with a life insurance adviser both can be good options for deciding the correct amount of cover for you. Either way, common considerations are debt (for example using life insurance to take care of a mortgage), providing for family members (for example a replacement income), and proving for education costs for children. Once youve considered each of these areas, you will have a pretty clear idea of the amount of life insurance cover that is right for you.The next point to consider is the type of life insurance plan youd like. One consideration will be the type of premium to choose. When you start a life insurance plan you can usually choose stepped or level premiums (the stepped premium increases with age, while the level...more
With more and more holiday makers venturing further away from home, the potential risks and costs if something goes wrong can be huge. Whilst a good travel insurance policy can help pick up the pieces, it's important to take extra care when buying...more
According to the Nationwide and Halifax, house prices increased again in March but the number of buyers is still outweighed by sellers. This could be good news for landlords and could see the number of quotes for home insurance for landlords...more
Plenty of options are strewn all over internet for commercial fleet insurance. One can find them so easily that you might be confused as to which to consider and which to believe. This article will help you in the best way to help you apply for a...more
All business owners run after cheap commercial insurance quotes to manage their business, be it smaller or larger. One faces a lot of trouble in choosing the best appropriate insurance cover to cover all the risks involved in the business to make...more
There are several insurance companies which offers the best insurance products. You can research in internet for the deals and offers that each of the famous insurance companies offer. You can also request many options from the insurance companies to...more
Many companies provide commercial vehicle insurance in UK with the best offers and deals. Commercial vehicle insurance covers not only a specific type of vehicle but also everything like the van, cars and bikes used for business purposes. Most of the...more