Friday, April 30, 2010
Fla. House Dems halt legislative action over abortion bill dispute
Fla. House Dems halt legislative action over abortion bill dispute
An anti-abortion bill that emerged in the final days of the lawmaking session has derailed the Florida Legislature -- prompting House Democrats to temporarily shut down their chamber and block bills from being heard.
Read more on Sun-Sentinel
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Advantages of Whole Term Life Insurance
As is obvious from the name, whole life insurance is a permanent life insurance covering the whole life of the policy holder with timely premium payments, as long as the policy holder is alive. Whole life insurance is apt for those who plan on long term goals.
Though term life insurance has gained popularity due to various reasons, whole life insurance cannot be set aside entirely as it has a lot of advantages to its credit. Primarily whole life insurance guarantees the death benefits that never decrease and nonfederal income taxes are charged upon death and lasts an entire lifetime which is a good advantage.
Premiums are generally a little higher than a term life insurance and as the age progresses, the annual premium tends to lessen. As against term life insurance which has no cash value, whole life insurance has some money stored as cash value. If the policy is terminated, accumulated guaranteed cash would be paid. It is also feasible to take loans against the whole life insurance policy. The guaranteed cash values can be used for emergencies and temporary needs. The cash value increases as the premiums are paid.
When a policy holder has a participation in whole life insurance, he or she is eligible for earning dividends which would be paid in cash. This cash can be either used to keep within the policy to generate interest or used to minimize the premiums. All the cash that are accumulated or borrowed are on a tax free basis except when it is withdrawn.
Whole life insurance policies can never be struck off by the insurance company. As the whole life insurance policy gets older, the surrender value becomes more or less the amount that has been paid and thus, the cash value along with the dividend far exceeds the premium that have been paid.
The dividend from a whole life insurance can also be used to purchase paid up additions that are small, fully paid up whole life policies. Whole life insurance quotes are available online which give the convenience of getting the policies instantly and urgently. The encouraging factor is that almost all reputed companies are offering whole life insurance quotes online and it becomes easier to compare the various offers and choose the best suited.
Whole life insurance is not only a tool to protect the dependents after the demise of the policy holder; it is also a way of saving for the future and has an emotional attachment to it. Hence, sufficient thought and time have to be spared to get the best quote and option available and decide accordingly, to ensure a secure future and a comfortable present life.
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What is the average car insurance price for a new driver?
I have my driver licence almost eight months ago in NH. Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys?
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Getting cheaper car insurance
Getting cheaper car insurance
Find ways to obtain cheaper car insurance.
Read more on Bankrate.com via Yahoo! Finance
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What You Should Know About International Travel Medical Insurance
International travel medical insurance goes a long way to insure that you have a trip without fear of encountering medical problems along the way. International travel for both business and pleasure keeps growing at a very fast pace and is not going to change in the near future. Some domestic health insurance plans will cover you away from home but many don't cover you and especially for major medical expenses.
Domestic travel insurance plans are not designed at all to work well with hospitals and doctors overseas, which can add to your frustration if you have any medical problems while traveling. Generally, in the travel insurance market there are two kinds of insurance products: travel medical insurance (or travel health insurance) which is obviously more heavily weighted to cover you for any health-related problems that might occur while traveling outside of your home country and has a smaller amount of trip cancellation coverage included; the other type is trip cancellation insurance.
Getting a few low cost or cheap international travel medical insurance quotes online from several companies is very easy to do. If you're looking for a group plan there are a few group insurance plans that are relatively cheap, and if you're with a tour group or visiting business delegation you could save a lot of money with group travel medical insurance. Whatever compromise in the plan you choose to make between the risks and costs, shop around not only for cheap international travel medical insurance plans, but also for a reputable company that gives you total information, has open view functioning and is not evasive about any of your questions.
Yes you can get cheap international travel medical insurance. The time frame on the insurance policy needs to be restricted to the actual time you're out of the country; the shorter duration will obviously reduce the cost. Some international travel medical insurance plans don't accept any travel that may involve hazardous activity such as mountain climbing or skating.
Make sure that the coverage of health and accident insurance covers hospitalization, doctor bills and medications. There are travel medical insurance plans readily available with a wide range of costs and benefits, and with different conditions available through different insurance companies. And some insurance policies don't cover any pre-existing illnesses, and will ask for your history of medical problems.
You want to keep handy the addresses and phone numbers of the persons who are to be notified in the event you need to make a claim when you're traveling. Get your international travel health insurance early because many plans have a waiting period after the premium has been paid. One way of lowering your insurance costs is to agree to pay a small initial medical cost of any treatment needed and make a claim from the insurance company only when the amount exceeds that amount; for example, you could agree to pay the first 250 dollars of any medical expenses and make a claim only when the cost of treatment goes above it.
Choosing the right plan obviously involves taking some risks, but people who do are rewarded because the cost of their travel insurance also becomes cheaper. Medical costs all around the world are skyrocketing, due mostly to the advances in specialized equipment and the cost of advanced medicines and training specialists in a number of fields. Make sure that emergency evacuation is fully covered in any insurance policy that you buy. Evacuation can be very expensive.
Remember your utmost greatest financial risk while traveling outside of your home country is if you encounter any major health or medical problem; you want to avoid this risk with the proper coverage. If you already have travel insurance, check to make sure that it covers major medical expenses; many policies don't.
International travel medical insurance is an important travel necessity for individuals and families when they live or travel outside their home country. Make sure that evacuation coverage is included in your plan, because that can be a major expense; getting you out of a difficult location such as a cruise ship, mountain top or safari can be costly. Make sure you know exactly what is covered in your travel insurance policy.
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Abortion measure divides Senate, halts the House
Abortion measure divides Senate, halts the House
TALLAHASSEE With the clock ticking Thursday, an explosive bill to require women to get an ultrasound before an abortion gripped the state Senate and led Democrats to halt action in the House .
Read more on St. Petersburg Times
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Low Cost Life Insurance in 5 Easy Steps
1. Understand the purpose of life insurance.
The purpose of life insurance is to replace your income if you die before being able to build up sufficient financial assets. So, if you have someone depending on you to earn a certain amount of income during a period of time, life insurance is the way to go. Let's say you are a young, 30-year-old husband and your wife is a stay-at-home mom. You have little or no savings, small children, a mortgage, and some bills as a result of buying furniture and appliances to establish a household. If you were to die, your family would be financially devastated. You are a prime candidate for life insurance. So, instead of buying a whole life policy, you take out a less expensive 30-year term policy. You invest the difference between what a whole life policy would have cost, and what your premium is for the term policy. Let us fast forward. You are now 60 years old. The children have grown up and have finished school, the mortgage and other bills have been paid off. For the past 30 years you have been making regular investments, which have grown to a substantial nest egg. At this point, there is no further need for life insurance. The insurance policy that you took out 30 years ago has enabled you to buy time by protecting your family while you were accumulating the nest egg.
On the other hand, if you are single with no dependents or retired and living on investments or retirement income, you probably do not need life insurance.
2. Keep insurance separate from investments.
One reason for consumer's confusion about life insurance is that some companies combine investments with life insurance. In order to do a proper comparison, it makes sense to keep the two separate, since they are designed to meet two distinct needs. When we purchase most items we consider the cost per unit. For example, when we purchase ground beef we look at the cost per pound, when we purchase gasoline we look at the price per gallon. When we are considering term life insurance, we should look at the cost per unit. The way to evaluate term life insurance is to determine the cost per $1000 of coverage.
In order to do that, you divide the annual premium you are quoted by the amount of coverage you have determined that you need. For example, if you decide that you need $700,000 in coverage and the premium you are quoted is $3700, the cost per $1000 of coverage would be $5.28 ($3700 ÷ $700).
Using this method, you are now ready to compare prices without getting into the "mumbo jumbo" about projected rate of return on your investment and building cash value and other terms that tend to distort what you are really trying to do - protect your family in case you die before you accumulate adequate assets.
3. Buy term insurance.
There are two kinds of policies: Term and whole life (or permanent or cash value). Term is pure insurance for a set number of years, 10, 15, 20, or 30 and it only pays a death benefit. Whole life, on the other hand, may provide interest and dividends. Since there are no dividends or interest involved, term insurance is generally less expensive than whole life.
So, the husband in Tip # 1 would be better served to buy the appropriate amount of term insurance to protect his family during their most vulnerable period. He could invest the savings he realized by not buying whole life insurance and into something like a stock mutual fund that will enable him to be financially secure later in life.
4. Ask for a change in rating class.
Let's say you took out a policy four years ago right after you learned that you had high blood pressure. The company did a physical examination and, because of your high blood pressure, they placed you in a rating class with a higher premium than you would have been charged had you not had high blood pressure. Let's further say that during the last four years you have taken control of your health, lost weight, exercised, taken your medication and now your blood pressure is normal. Under those circumstances, you can go back and ask them to review your medical status and put you in a rating class with a lower premium.
5. Get free life insurance quotes from top life insurance companies.
There are over 1500 life insurance companies. Premiums vary by hundreds of dollars for the same amount of coverage. For example, for $100,000 worth of term life insurance for a 35- year-old male, I recently found annual premiums that ranged from $886 to $2194.
Get instant life insurance quotes at http://www.howtocutexpenses.com
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Car goes for drive without driver in Helena Play Video
Car goes for drive without driver in Helena Play Video
A breakfast stop in Helena led to some car trouble for a woman on Thursday. Molly Culbertson of East Helena parked at JB's Restaurant and went in to eat shortly after 11:00 a.m.
Read more on KXLH Helena
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Can medical insurance cover breast augmentation for certain circumstances?
I've had this problem since I started developing, but I have scoliosis and my body is naturally crooked. It is embarassing because my boobs point more out to the side than in the front, making my chest appear completely flat. I am curious, can medical insurance cover some of the cost of this procedure due to my problem?
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Living life 'transgender'
Living life 'transgender'
ORONO, Maine (NEWS CENTER) -- Though Claire Folsom lives life as a woman, she was born male.
Read more on WCSH 6 Portland
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Buying International Travel Medical Insurance - What You Need To Know
Today international travel for business or pleasure keeps growing at a fast pace and is unlikely to change in the near future. The most serious problem any international traveler faces when on the move is the possibility of having a medical problem in a foreign country. International travel medical insurance goes a long way in taking care of surprise medical problems. It offers temporary medical or health insurance for US citizens and foreign nationals when traveling anywhere outside of their home country.
Some domestic health insurance plans will cover you for some procedures and expenses away from home but many don't, especially for major medical expenses. There are many types of international travel medical insurance on the market today including student travel medical insurance, travel accident insurance and even backpackers travel insurance.
It's important to know that evaluating someone who has met with an accident or become ill in an isolated place can be terribly expensive. Many international insurance companies have a bi-lingual or multi-lingual staff and on-site medical staff available 24 hours a day, seven days a week for their policyholders for consultation and medical emergencies.
One way to lower your insurance costs is to agree to pay a small upfront medical cost for any future treatment needed and make a claim from the insurance company only when the amount exceeds that amount. For example, you could agree to pay the first $200 of any medical expenses and make a claim only when the cost of the treatment goes above it.
If you find a quality insurance company, it'll take the financial worry of terrific medical expenses out of your travel experience. You can exclude a medical condition that is pre-existing which can lower your insurance costs, but you must be sure that the condition will not worsen on your trip and it could cost you a lot more. Any international traveler, expatriate or business traveler needs to be careful about the medical costs they could incur while traveling out of their home country.
Whatever compromise you choose to make in your plan between risks and costs, shop around not only for cheap international travel medical insurance plans, but also for the insurance company that gives you complete information, has open not hidden view functioning and doesn't evade any of your questions.
The time frame on your insurance policy needs to be restricted to the actual time you're out of the country; the shorter the duration will obviously reduce the cost. Some travel insurance plans don't accept hazardous vocations such as mountain climbing. After you get your insurance, in case any minor emergency medical treatment is needed, have all the expenses listed in itemized bills to make a claim when you get back home.
Getting low cost or cheap international travel medical insurance quotes online from several insurance companies is easy enough to do. The watchword in your travel insurance should be attention to the smallest of details.
Some of the insurance policies don't cover any pre-existing illnesses, and will ask for a history of any medical problems. All around the world medical costs are skyrocketing, due mostly to the advances in specialized equipment and the cost of advanced medicines and training specialists in a number of medical fields.
Finally international travel medical insurance is a must for all travelers going out of their home country. You want to make sure that evacuation coverage is included in your plan, because that can be a major expense; getting you out of a isolated or difficult location such as a cruise ship, mountain top or safari can be very costly.
Getting low cost or cheap health insurance is certainly a good possibility without giving up any quality care you might need away from home. International travel medical insurance quotes are easy to get online and an important travel necessity for individuals and families when they live or travel outside their home country. Just make sure you know exactly what is covered in your travel insurance policy.
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India’s Lower House Approves Mukherjee’s Budget Plan (Update1)
India's Lower House Approves Mukherjee's Budget Plan (Update1)
April 29 (Bloomberg) -- India's lower house of Parliament approved Finance Minister Pranab Mukherjee 's plan to raise taxes on fuel and manufactured products, enabling the biggest budget- deficit cut in 19 years.
Read more on Bloomberg
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Which One Rules? Term Life Insurance Vs Whole Life Insurance
What do you think is a better insurance? As per my point of view, these are two different policies serving different purposes. Term life and Whole life both have their own strong and weak points. So the question of comparison does not even arise. If you are living in India then this is most useful to choose right life insurance plan.
Referring history, all insurance was term insurance covering life only. But with time consumers started complaining about the benefits one should receive after paying the premium over 20-30 years. They felt it was injustice. Henceforth, life insurance started giving the option of cash value.
Let us discuss the main features of Term Life Insurance and Whole Life Insurance as described below.
Term Life Insurance:
It covers life only.
Premiums are paid only for the term period
The premiums are cheaper
Beneficiary is eligible to benefits only in case of death.
If the policy holder lives after the maturity term, there are no benefits.
It covers life only, has no additional benefits to it.
Whole Life Insurance:
It takes care of both life and investment.
Premiums are paid life long.
The premiums are expensive.
Beneficiary is eligible to benefits in case of death.
If the policy holder lives after maturity period, the policy holder receives both the maturity value plus cash value as applicable.
It has dual purpose, covers life and offers added benefits like cash value.
Which one is better according to you choosing?
From the above we can make out that both these policies are different and do not serve the same purpose. Term life insurance benefits people who generally have good health and follow healthy living. They can save on the large premium to be paid out and go for other better investment instruments. Whereas Whole life insurance benefits people who are already suffering from certain kind of disease and cover is necessary. It generally works for people who are wealthy enough to carry on paying huge premiums life long.
The combination of both term life insurance and whole life insurance is the best portfolio of life insurance one can possess.
But first and foremost, it is necessary to understand why you are purchasing life insurance. You will be more content when you figure out why you wish to buy the policy. Analyze your needs and its importance. Figure out what needs to be covered and who should receive the benefits, etc. Once you make a decision, start shopping for quotes from various sources like the local representatives, brokers and sites having online comparing tool. Compare the quotes received, the coverage level, other added values, offers, etc. they are offering. Choose the policy that fits your requirement in the best way at the most competitive price available.
And at PolicyBazaar, you can find the right insurance plan at most competitive rates. You also take special offers going on from time to time, for any type insurance help or enquiry you can call 0124 457 67 77 and also see website: http://www.policybazaar.com/life-insurance/life-insurance-india.aspx
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How can I get car insurance without a guardian?
I live with away from my parents, Im almost 18 but not there yet. How can i get car insurance without having a guardian?
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Doyle Signs Mental Health Insurance Law
Doyle Signs Mental Health Insurance Law
MADISON, Wis. -- Gov. Jim Doyle has signed into law a proposal that makes changes to insurance coverage for the mentally ill and drug addicts.
Read more on WISC-TV Madison
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Jones & Associates Insurance Agency, Inc. Launches Interactive Website
Jones & Associates Insurance Agency, Inc. Launches Interactive Website
Jones & Associates Insurance Agency, Inc announces the launch of a new agency website at www.allinsurance2go.com. With interactive features such as onsite glossaries, maps, driving directions, and multiple forms of contact, Jones & Associates Insurance Agency, Inc.'s new website covers several types of insurance including Suitland Auto Insurance and is designed with ...
Read more on PRWeb via Yahoo! News
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How do I get on my boyfriends Medical Insurance?
My boyfriends medical insurance through work and he's allowed to add a girlfriend that hes been dating for 6 months and we've been dating for a year. Hes just worried that we will need some sort of record saying that he's my boyfriend. How would that work?
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NH lawmakers want excess insurance money returned
NH lawmakers want excess insurance money returned
A group of New Hampshire lawmakers wants excess health insurance premiums paid by communities returned to taxpayers.
Read more on Boston Globe
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Leeway for insurance cop
Leeway for insurance cop
New Delhi, April 29: The Insurance Regulatory and Development Authority (IRDA) will continue to administer Ulips till the courts take a view on which regulator — the insurance market watchdog, or Sebi, the capital markets regulator — is best suited to monitor these offerings.
Read more on The Telegraph
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What do you think about Progressive Direct car insurance?
I am purchasing a new car and for the first time car insurance. I've been shopping around online and Progressive Direct has the best rates for me. I also looked at getting Progressive through an insurance group in my area, which would cost $30 more per month for the same amount of coverage. Would it be worth the extra $30 per month to get the insurance through an insurance agency in my area?
Have you had any good or bad experiences with Progressive Direct car insurance?
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Have you had any good or bad experiences with Progressive Direct car insurance?
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Quinn regains access to UK market
Quinn regains access to UK market
Quinn Insurance has announced that the Irish Financial Regulator has allowed it full access to the UK car insurance market.
Read more on BBC News
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Governor signs law to speed insurance payments
Governor signs law to speed insurance payments
Missouri Gov. Jay Nixon signed legislation Tuesday that will impose new financial penalties on insurance companies that wait too long to pay claims and will give health care providers new guidance on the information they must provide insurers.
Read more on Jefferson City News Tribune
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Auto insurers charge the poor more for insurance
Auto insurers charge the poor more for insurance
(ARA) - Studies have shown that certain groups may be offered pricier car insurance quotes than other groups. For instance, African American policyholders pay more than other groups for their coverage.
Read more on Purcell Register
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The malevolence of Mercury Insurance
The malevolence of Mercury Insurance
Yesterday's San Francisco Chronicle reports on a long history of illegal practices by Mercury Insurance – including discrimination against soldiers, artists, bartenders, and other professions in auto insurance coverage and rates – and the long-overdue political and regulatory attention being paid to the company.
Read more on San Francisco Bay Guardian
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Thursday, April 29, 2010
Law Enforcement, Auto Insurer Partner in Major Crackdown on Staged Car Crashes
Law Enforcement, Auto Insurer Partner in Major Crackdown on Staged Car Crashes
The recent eight-month investigation and dismantling of an organized "crash ring" highlights Direct General Insurance Company's ongoing collaboration with law enforcement agencies to thwart the dramatic rise of auto insurance fraud in Central Florida.
Read more on PR Newswire via Yahoo! Finance
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Visitor Medical Insurance
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Overview:
Visitor medical insurance is insurance coverage that travelers purchase when they travel outside their home country. Even if a traveler/visitor has domestic insurance in his or her home country, this insurance usually will not provide coverage when traveling overseas. It is in this context that overseas visitor medical insurance is required. Given the high cost of health care, it can be financially very risky to travel overseas without proper visitor medical insurance.
Visitor medical insurance options and comparison:
There are different insurance providers that offer Visitors medical insurance and the visitor does have several plan options even with each insurance provider. Some websites allow visitors to compare the different plan options. Along with comparing the premium costs, you can also get a detailed comparison of the medical coverage as well as details regarding the provider network and the plan underwriter.
Types of visitor insurance plans:
There are mainly two types of visitor insurance plans
(a) Fixed benefits insurance
(b) Comprehensive insurance
(a) Fixed benefits visitor insurance - Fixed benefits plans are cheaper than comprehensive insurance plans, correspondingly the coverage is also limited. In these plans, you can purchase an overall medical maximum coverage, however there is a fixed coverage for different medical situations. Examples of the fixed coverage would be - a specific amount paid for each surgery, a fixed amount for hospital room, certain specified amount for the intensive care room, a limited amount for diagnostic treatments.
(b) Comprehensive visitor insurance - Comprehensive plans are more expensive than fixed benefit plans but the coverage is also superior to fixed benefit plans. In the comprehensive plans, the customer selects the medical maximum coverage, and the insurance plan covers them for this amount, without any limits for different medical treatments within the medical maximum coverage amount.
Visitor medical insurance coverage details:
Visitor insurance provides coverage against accident and sickness during the visitors travel outside his or her home country. When compared to domestic insurance there are two main limitations in visitor insurance plans. Visitor insurance will not provide coverage for preventative care or for pre-existing medical ailments. In summary, Visitor insurance can be viewed as insurance coverage for unanticipated health related expenses during overseas travel. However this insurance cannot be used to get pre planned health care treatment be it preventive in nature, or for an existing medical ailment while traveling overseas.
Visitor medical insurance - purchase procedure:
Visitor insurance plans can be purchased online using a credit card, or by faxing in an application with the relevant payment details. On completing the online transaction the policy details will be immediately emailed to the email address provided in the application. This email can be used as proof of insurance cover. A hard copy of the policy can also be requested to be mailed to the address provided in the application.
Visitor medical insurance - purchasing specifics
(a) The earliest the insurance plan can start is from the following day of the application or from any later date.
(b) The traveler's passport details are required while completing the application.
(c) Insurance can be purchased even after the traveler has started his or her journey.
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Abortion measure halts action in House
Abortion measure halts action in House
An emotional Senate requires an ultrasound as Democrats bring the House to a halt.
Read more on St. Petersburg Times
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Why Should I Buy Life Insurance Over the Internet?
Because life insurance is so important, most people consider where they should purchase it from. There are several options when shopping for a life insurance policy. An individual can acquire they coverage desired via local brokers, life insurance companies or directly from the web.
To uncover the best deals and rates requires a great deal of research. Many sales people are hired by life insurance companies to assist the customers select the suitable life insurance plans. Contacting these salespeople through telephone, e-mail or personally can be one to buy coverage.
However, always make sure that the life insurance organization is sanctioned by the state and the Better Business Bureau before shopping with them.
The World Wide Web is the ultimate location to find all the information you need. Online shopping is the simplest and most reliable way to buy a life insurance policy. On the internet you can get a fast accurate quote and also get information. Directories for online industries include a lot of companies. These can also help you to revise, equate, and buy a fitting life insurance policy for your state
The internet provides a number of sites where you can search for relevant information on where to buy life insurance plans. Information about the ratings and policies of leading providers of life insurance are available from these sites. By providing life coverage policies to meet their customers needs, these companies share similar fundamentals. Nevertheless, they each are different in coverage, exceptions and terms.
For example, Metropolitan Life Insurance Company, Transamerica Occidental Insurance Company, American General Insurance Company, CIGNA and Aetna are some of the recognizable and famous names among life insurers accessible on the internet.
These companies easily handle all types of life insurance policies. Each company will have their own website where you can check ratings and information about life insurance. A customer should go to all these sites to compare and find out the cheapest plan with all necessary coverage, before making the purchase.
Dependable applications and worry-not management of policies are some unique things that Metropolitan Life Insurance Company presents. For monitory planning their solution and services are the best. Asia and Europe are primarily served by Metlife and being a part of Reinsurance Group of America it serves the customers as well.
***American General Insurance Company*** (AIG) A leader worldwide in financial services dealing with insurance,retreat planning and savings. The insurance company covers the service internationally all over Asia, North America, Europe, and Latin America. AIG provides affordable life insurance, at a reduction rate of 75%. Online quotes make a shopping less time consuming and infinitely faster.
Term, whole, and universal life insurance policies are available at great rates from Transamerica Occidental Life. Other online companies who offer cheaper rates for life insurance are Aetna and Cigna.
There are certain online life insurance sites that help people to buy their policies. Using the assistance of the sites, you'll be able to have an answer to your question as to where to purchase your life insurance. Visit the websites below to get moving in the correct direction. The quotes from major life insurers will be compared as listed above.
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How much would car insurance cost for me?
Im seventeen.
And female.
The car is a black 94 Jetta standard (if that has anything to do with it)
Im just confused about insurance. People are saying it would be very expensive but I turn 18 in a month should I wait until then?
Also people say insurance is cheaper for girls. Is this true?
And what insurance company is cheapest?
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And female.
The car is a black 94 Jetta standard (if that has anything to do with it)
Im just confused about insurance. People are saying it would be very expensive but I turn 18 in a month should I wait until then?
Also people say insurance is cheaper for girls. Is this true?
And what insurance company is cheapest?
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Medical Insurance for Canadian Travelers and for Visitors to Canada
One of the major concerns you have when traveling away from home is your health. When you are away from home, you never know if you might get sick or injured. If this happens, you will be faced with a bigger problem. The expense incurred from a medical emergency while away from your home country may not be entirely covered by your personal medical insurance plan. If this is the case, then you would incur the medical cost yourself and these medical expenses can be enormous. Worse, without medical insurance, you might not receive privileged care when you seek needed medical attention. For these reasons, it is important that you have proper travel insurance coverage that pays medical insurance expenses.
Travel insurance companies in Canada may not only provide medical insurance plans to travelers away from Canada. There are also medical insurance plans that cover emergency medical expenses for visitors in Canada. There are many Canadian travel insurance companies that offer emergency medical insurance for Canadians traveling outside Canada as well as Visitors traveling to Canada. Travel Insurance Quotes provides instant quotation and comparisons from the best Canadian travel insurance companies to ensure you have the most appropriate coverage for your travels. The result is that you can feel assured that you have adequate medical insurance whether you are a visitor to Canada or a traveling Canadian.
Emergency medical travel insurance can be purchased alone or in a comprehensive travel insurance packaged policy. These comprehensive travel insurance plans combine emergency medical, trip cancellation, trip interruption, accidental death, and baggage in one single policy. Comprehensive travel insurance policies provide many benefits;
1. Excellent Value – in most cases it is cheaper to purchase the comprehensive travel insurance package than purchasing each plan separately. You can save up to 60% of the cost of individual plans.
2. No Medical Questionnaires – Most companies do not require Seniors to answer medical questionnaires when purchasing a comprehensive travel insurance package. Normal pre-existing condition exclusions apply so please read the policy carefully before purchasing.
3. Simplicity – When purchasing a comprehensive travel insurance package your credit card will only be charged once, you will only need to deal with once insurance company if you need to file a claim, and you will only have one policy number to carry while you are travelling.
Most Canadian travel insurance companies offer comprehensive travel insurance packages to Canadian travelers. Only a few offer these comprehensive travel insurance packages to visitors to Canada. Travel Insurance Quotes will assist you in getting the best comprehensive plan for your travels.
Emergency Canada medical insurance can be purchased for a single trip only, or annual policy can be purchased. Single trip emergency medical plans are only good for the trip duration that you indicate when you purchase the policy. If you stay longer you can extend the coverage as long as you haven't had a claim and the original policy has not expired. Annual plans cover you for an unlimited number of trips within 365 days. You need to indicate the number of days your trip lengths will be when you purchase the annual emergency medical travel insurance plan. If you need additional days than your annual plan will cover than additional 'top-up' days can be purchased to cover you entire trip. Annual emergency medical travel insurance plans are available for both Canadian travelers and visitors to Canada.
They are used for medical care that needs emergency medical attention. Medical check-ups is not necessarily included in the plan. Cases such as accidents or sudden illness can be good as emergency in nature. Emergency medical insurance can be purchased upon single booking of the flight elsewhere. But if you are frequently traveling outside Canada, it may be wiser to buy annual medical insurance plan. You just have to evaluate how frequently you travel in a year and compare it with how much you spend for single trip emergency medical insurance. You might find out that buying annual emergency medical insurance is cheaper. Contacting the personnel and staff of Travel Insurance Quotes should not be difficult.
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Orignal From: Medical Insurance for Canadian Travelers and for Visitors to Canada
House panel releases auto safety proposals
House panel releases auto safety proposals
New cars and trucks would be required to carry black boxes to record crash information and automakers would pay fees to help fund the government's auto safety agency under a series of proposals in Congress in response to Toyota's massive recalls.
Read more on AP via Yahoo! News
Orignal From: House panel releases auto safety proposals
What will happen to a US resident without medical insurance if he mets with an accident?
What will happen if a person residing in USA without medical insurance met with an accident or other serious illnesses? Will he be treated for free for emergency cases or he will have to go to the prison failing to pay the medical expenses?
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Orignal From: What will happen to a US resident without medical insurance if he mets with an accident?
Legislative passing of bill could save towns in health insurance costs
Legislative passing of bill could save towns in health insurance costs
HARTFORD — Late Thursday night, the legislature unanimously passed a bill that could, at least in theory, save small towns in Connecticut a bundle in health insurance costs.
Read more on The Register Citizen
Orignal From: Legislative passing of bill could save towns in health insurance costs
Where Should I Buy Life Insurance Online?
On line life insurance policies are mostly of two types, whole life insurance and term life insurance. Term life insurance covers short-term requirements. With this kind of plan, if the insured party is injured in an accident, he may be able to make a claim under his term life insurance plan. If you're looking for an insurer who can offer you such policies, most leading on line insurers will. There are a variety of life insurance bargains.
Whole life refers to the insured person's whole life getting covered. People can easily locate on line life quotes for free using the help of the internet.
Did you know that buying life insurance on the internet saves many time
Some on line life insurance sources help prospective policyholders through the entire shopping process for good life policies. A quick search on line will show there are many providers offering life insurance with a variety of plans. They can easily get telephone numbers from these web sites and get in touch with customer service representatives.
Federal web sites also have some great information about American regulations. The insurance agents also in the decision making of selecting policies They are people who give advice on the premium amounts, based on life stages.
While a person may think they are ready for getting a policy, it is best to look at what else is on the market. It is best to stay in contact with all of the companies that you can. Almost all the leading life insurance providers have their own comprehensive web sites offering elaboration and details about their insurance policies.
It is important to make a proper comparison of various life coverage plans and then talk to respective agents. The buyers must get the details about the going rates of the policies, it is vital. It's because internet brokerage firms can save up to 75% of the premium. They do not provide biased advice, as they are not in legal bonding with any particular company.
By paying annually policy holders can save up to 20% on their premium.
Insurance costs are much higher if you are a smoker. You should address any health issues. Obese people pay higher premium as they are more prone to health hazards. The majority of insurers believe that over weight people will die at a younger age. For those reasons, it is important to remain healthy. If there is any information about the hereditary diseases during the medical examination it is good to tell The insurer can cancel the policy if this is not the case
Those who are employed by high risk industries often pay higher premiums for the same coverage. On line life insurance is majority affected by age. Younger individuals are charged a lesser amount for their premium. Hence, it is a good idea to purchase life coverage at an early age.
It is best to request at least three or four life quotes when comparing premiums and plans that different on line firms offer. The first thing that individuals need to compare with respect to life insurers are the premiums that they may have to pay. It is necessary for it to stay as low as it can. These factors will aid in finding out the exact insurance amount that an individual will need for himself The resources given below can be used by you and after seeing them you can get your quotes.
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Orignal From: Where Should I Buy Life Insurance Online?
The Components of Car Insurance
Car Insurance is a necessity in today's world if you drive and own a car. Driving on the roads even one day without car insurance is taking a risky chance and can put your finances in serious jeopardy. Car insurance is a premium you pay an insurer to cover you, the damages to your car and third parties in the event of an accident. Car insurance protects you if the other party does not have insurance or cannot pay for the damages in full.
Liability insurance policies cover the damages and injuries to others involved in an accident if you are to blame. This is generally the basic policy the law requires you to acquire to be legally allowed to drive. Liability coverage consists of bodily injury coverage per person, bodily injury coverage per accident and property damage coverage per accident. The drawback of liability insurance is that it does not cover you or the damages and repairs to your vehicle. It is recommended that you should get more than just liability coverage when looking for an ideal car insurance policy for yourself.
Collision policies for car insurance cover your repair bills in the event of a road accident. This is the most expensive policy for car insurance. Insurance companies do not want to pay for the repairs if the costs exceed more than the actual value of the car. In such cases insurers deem the car a total loss and will cover instead the value of the car since it turns out to be the cheaper option. Comprehensive car insurance policies cover damages besides accidents such as fire, theft, vandalism and natural disasters. It is essential to figure out the different aspects of the policy you're signing such as the conditions of the policy, the supplemental payments, deductibles, coverage, declarations, rating, liability, premium and the exclusions.
In order to obtain a cost effective car insurance policy its best to check out a number of different quotes to figure out what is available in the market and where you're getting the best deal. Do your homework and check out the reputation of the insurer by asking family and friends and who they choose to get insured by. It is also recommended to sustain a sound driving history. If the insurance company is able to see the evidence that you're not likely to get into an accident, they will provide you with some sort of discount. Most insurers require a standard of no accidents or speeding tickets in the past five years to obtain such a discount. If you already have one car insured by a company or have other insurance policies such as home insurance then it is a good idea to inquire with that insurer to get a good multi policy deal. If you tend to use fewer miles per year you may be able to qualify for an insurer's low mileage discount.
If you own an expensive car, it is much more difficult to get a good deal on a car insurance policy. Insurance companies know it will be expensive to cover an extravagant car if it is written off or damaged in an accident. Insurers also do regular research on statistics for the most frequently stolen vehicles and the cars that attract the most thefts. If your car is listed as such a risk, it will be hard to obtain a discount in this case. Buying a low profile and low maintenance car which will ensure you a deduction of premium. Enhancing your vehicle with safety and security features such as air bags, anti-theft details, automatic seatbelts, and anti-lock breaks, will also help you save money when determining the premium for your car insurance policy. Where you live also determines the amount you will be paying for car insurance. If you live in a small rural safe community your car is not likely to be stolen as opposed to living in a big metropolitan city.
An accident can happen any time and when you least expect it. So be prepared by maintaining insurance records and current up to date photographs of your vehicle, which you will need for making a claim. It is also beneficial to plan ahead when investing in a car and get your money's worth.
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Orignal From: The Components of Car Insurance
Lamrock watching N.S. insurance cap
Lamrock watching N.S. insurance cap
New Brunswick's Justice Minister Kelly Lamrock says he'll be closely watching how Nova Scotia's changes to automobile insurance affect consumers. Nova Scotia tripled the cap on minor injury insurance claims Wednesday.
Read more on CBC New Brunswick
Orignal From: Lamrock watching N.S. insurance cap
I Need Cheap Car Insurance as Protection for My Car
When I bought my new car, I knew that I needed cheap car insurance. However, when I was searching out for a good car insurance policy, I realized that it is not as easy as it seemed. There are so many auto insurance companies around that I can get my policy from, and I don't know which one is the best for me. This is the reason why I thought of using the internet to find the right auto insurance policy for my vehicle.
It is better to look for cheap automobile insurance policy on the internet as there are many online companies that offer rebates on auto policies that are sold online. The added advantage of using the internet to find the right car insurance policy for yourself is that you don't have to waste time visiting and phoning individual car insurance companies for information and quotes about their insurance policies.
Of course, if you are busy, you can always hire a broker to do all the work for you and help you find the right car insurance policy. However, the broker has to be paid for his services. Therefore, by using the internet, you can actually save money and time, and get as many car insurance quotes as possible from car insurance companies.
With the use of the internet, it is possible for you to get numerous car insurance quotes while sitting in the comfort of your own home. By filling up an online insurance quote form with some personal information about you and your car, like your age, gender, and the model and type of car, you will receive your cheap car insurance quote within a very short time.
Fitting an approved immobilizer in your car is a great way to get yourself a cheap car insurance policy. Generally, if you don't use your car much, you will be offered a cheap policy. This is the reason why you have to mention the number of miles you drive per year when you fill out a form for an insurance quote. Car users are offered cheap car insurance policies for decreased usage because the possibility of them getting involved in accidents is much reduced if they don't drive so often.
Paying an expensive deductible is another way for you to find a cheap car insurance policy. By paying a higher deductible, you will end up paying cheaper monthly installments for your car insurance policy.
If you get yourself a standard auto policy, you are provided coverage if your family and you meet with an accident. However, you will have to get additional coverage if you have other people in the family who are using the car. This is why you have to include youthful operator's coverage in your policy. With this coverage, the other driver who drives the car is provided protection if he or she is involved in an accident.
However, this does not mean that you have to add everyone who drives your car to the insurance policy. Instead, you have to restrict the number of drivers in the policy if you want to get a cheap car insurance policy. Most importantly, you have to reduce the number of drivers aged below 25 in the policy. You will also get a cheap car insurance policy if you drive a car with a small engine.
However, in a bid to get yourself a cheap car insurance policy, you should not forget that you need to have all the necessary coverage in your policy. The perfect car insurance policy is one that offers you medical payments coverage, collision coverage actual cash value, auto coverage, physical damage coverage and injury coverage. You need to have all these types of coverage in your insurance policy so that all the bills that come from the accident will be paid by your car insurance company.
With all these done, I managed to find an affordable car insurance policy that also provides coverage for damage and covered auto protection. And with this, I need not tell anyone anymore that I need cheap car insurance for my car. I use this site to get cheap auto insurance quote
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Orignal From: I Need Cheap Car Insurance as Protection for My Car
Obtaining An Accurate Automotive Insurance Quote From Potential Auto Insurers
There are multiple factors involved in the determination of what you, as a vehicle owner, will have to pay for your automotive insurance. Many of these factors are not controllable by you but there is one that you can control. Of course you cannot control the factors such as your age or if you are male or female but you do have control over what type of driver you are and what is on your driving history record. This is a very essential factor that all automotive insurance companies use to figure the premium amount you will have to pay for your auto coverage.
A person's personal driving record plays a very essential part in what a driver will have to pay to obtain insurance coverage from an insurance company. This is pretty basic and just about everyone is aware of this fact. However, many people do not place enough seriousness on taking care of their driving record as they should and in turn makes it nearly impossible to find an affordable insurance policy.
When you contact an insurance company for an auto insurance quote, they will do a background check upon you to check the status of your driving history to get you a more accurate quote; however, many companies give you just a standardized quote that would be an estimate of what your premium would be based on the general census. Once they delve deeper into your history, your actual payment amount could be more or less. This will depend on how many driving infractions you have had in your past. To help make sure that you get the most accurate quote available to you, it is essential to let them know of all traffic infractions prior to them giving you the standardized quote.
If you are not sure of what lays within your driving history, you can always get a copy of it so that you know what to disclose to your potential insurer. To get your copy you can contact a Government Website like your local department of driver services to make sure you get the most accurate quote and not be surprised after you have agreed to a policy.
Keeping a handle on your own personal driving history can really help to keep your insurance premiums low. Your driving history is just as important as your credit history. http://www.247autoinsurancequotes.com
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MEEMIC insurance products to be offered to contract school workers
MEEMIC insurance products to be offered to contract school workers
Professional Contract Management Inc. has agreed to market auto and other insurance products from Auburn Hills-based MEEMIC Insurance Co. to its employees in Michigan, a MEEMIC official said.
Read more on Crain's Detroit Business
Orignal From: MEEMIC insurance products to be offered to contract school workers
Future Medical Insurance Payouts Lowered If We Look After Our Hearts
Medical insurance companies are often paying out for treatment for heart conditions. In fact, it is up there at the top with cancers in being one of the biggest factors that will bring down British people. Without medical insurance, sufferers are often subjected to lengthy waits for treatment on the National Health System.
However, there is good news. Scientists have discovered a drug which cuts death from a common heart problem by almost a third. Atrial fibrillation is a disorder of the heart rhythm but 'Multaq' has been shown to reduce the incidents of this claiming lives by up to thirty per cent.
This medical condition affects 700,000 Britons but the recent advancement in its treatment is the first in twenty years. The fast and erratic heartbeat of patients needs stabilising to avoid angina and heart failure. It is the upper chambers of the heart that are out of rhythm and causes the heart to beat up to twice its normal speed.
Another complication of this condition is the fact that it causes tiny blood clots to form and these can lead to strokes, another topper on the medical insurance claims. At best, previous treatments involved the use of digoxin which successfully slows the heart beat but cannot regulate it and death rates remained the same. Drugs to thin the blood followed by minor electric shocks to restore normal rhythm are also used.
This drug is considered a huge breakthrough because it is having positive effects on all those that are trialling it, without side effects. More than 4,500 patients from 33 countries have trialled the effectiveness of Multaq over a year and this is when it was discovered that cardiovascular deaths were greatly reduced among the group. Quality of life is greatly improved for all those taking the drug and life time expectancy is greatly increased. It is hoped there will be a license for using this drug as early as next year.
If this is something of a warning to those who are concerned about their heart health, or for those who would like to keep the cost of their medical insurance down, there is even more good news as to how we can look after ourselves. Drink red wine.
A chemical found in the skin of red grapes contains resveratrol, an anti-aging compound. This has been captured and put into pill form and has received the backing of the UK's largest pharmaceutical company GlaxoSmithKline. In fact, DSK bought out the company that made the drug for 361 pounds million.
The drug was tried in lengthy tests on mice and it was found that they lived longer, were almost immune to the effects of obesity and rarely get diabetes, cancer or Alzheimer's. It was also found that if the rodents were subject to starvation diets they could even extend their life by up to thirty per cent. It is believed this is because starving the body activates a gene known as sirtuin, a survival gene.
These discoveries are hoped to bring about more treatment for diseases such as cancer and Alzheimers. The same scientists have also found that flavanoids in blueberries and other fresh fruit interact with nerve cells and stimulates the re-growth of brain cells.
So, it would seem that while scientists are doing their best to find the elixir of life, it will always pay to look after our bodies to enable them to continue working as long as possible. And if this includes eating tasty food with the occasional glass of red wine then who am I to argue?
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Orignal From: Future Medical Insurance Payouts Lowered If We Look After Our Hearts
U.S. House committee passes wind coverage bill, but odds of final approval steep
U.S. House committee passes wind coverage bill, but odds of final approval steep
Under the measure approved by the House Financial Services Committee, flood insurance policyholders could also get government-backed wind coverage. The committee approved the measure 40-25 on a mostly party-line vote. A committee spokeswoman did not know when the full House might take it up.
Read more on Mobile Press-Register
Orignal From: U.S. House committee passes wind coverage bill, but odds of final approval steep
Where To Look For Vintage Car Insurance
Many people choose to restore and show antique cars as a hobby. Many of these cars price many thousands of dollars to obtain, not including the money, time, and energy spent to restore the car to its previous glory. This is why buying vintage car insurance is so important. Vintage car insurance will shield your investment in your car in the event of accidental damage or theft.
Vintage car insurance may as well be purchased from one of the independent insurance companies that specialize in insuring vintage and collector cars. Many of these companies will only insure particular types of cars, so if your car is a rare, hard to find model, you may have trouble finding someone to insure it. When researching these companies, be certain to ask about the experience and credentials of the company to be sure that the company that you are dealing with is a legitimate one. You do not fancy paying years of vintage car insurance premiums only to have the company disappear once you file a claim.
Many commercial car insurance companies are capable of also provide car insurance for an antique car. Also known as collector car insurance, these policies are tailored to the car you are attempting to insure. A representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you to decide which types of coverage are within your target budget and which deductible and limit levels you will need.
Buying car insurance for an antique car through a commercial car insurance company will give the policy holder a peace of mind. The policy holder may as well have their everyday use cars insured with the same company. The protection of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.
When choosing an independent insurance company to provide car insurance for an antique car, be certain that the company is a reputable one. You do not want to discover that after months of paying the insurance premiums that the company will not or is not capable to pay your insurance claim.
Finding car insurance for an antique car although can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Many antique cars are worth many thousands of dollars and that is an immense loss if the car is ever stolen or totaled. Therefore having car insurance for an antique car may be the most valuable insurance that you ever purchase.
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Orignal From: Where To Look For Vintage Car Insurance
Compare auto insurance
Compare auto insurance
It's important to compare auto insurance quotes from different companies before you buy.
Read more on Bankrate.com via Yahoo! Finance
Orignal From: Compare auto insurance
Factsheet: National insurance
Factsheet: National insurance
National insurance contributions are paid by both employers and employees. By doing so employees are entitled to certain benefits, including the state pension . The amount you pay depends on how much you earn and whether you are self-employed or not. What are the contributions for? NI payments were introduced in 1911 to provide a safety net for workers who fall on hard times. NI is now used to ...
Read more on Guardian Unlimited
Orignal From: Factsheet: National insurance
How much does Birth control usually cost with medical insurance?
I used to go to a free clinic that prescribed free birth control. Now that I have health insurance through my work, I think I'm just going to see a Gyno in a regular medical office. Does anyone know how much it costs with insurance?
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Orignal From: How much does Birth control usually cost with medical insurance?
Oklahoma House OKs federal health care `opt out'
Oklahoma House OKs federal health care `opt out'
The Oklahoma House has approved a bill designed to prevent the new federal health care law from applying to Oklahomans. The House voted 71-27 on Wednesday for the bill, which also authorizes the state to sue to keep it from taking effect.
Read more on AP via Yahoo! Finance
Orignal From: Oklahoma House OKs federal health care `opt out'
Insurance quotes??? ?
im 16, defiantly getting my license at the age of 17. im taking drivers ed. Im looking for auto insurance for a 1995 Mitsubishi 3000GT. Its my first time going for insurence. My parent is on ALLSTATE, i got a quote from them...very expensive. i know it will be expensive because im 16,Male, and the car is in the SPORTS catagory, but can u find me some cheap insurence? I live in Caribou, Maine. ZIP CODE: 04736.
Cheapest insurance quote with source gets best answer.
Orignal From: Insurance quotes??? ?
Cheapest insurance quote with source gets best answer.
Orignal From: Insurance quotes??? ?
Standard Life posts strong Q1 premium growth in Canada
Standard Life posts strong Q1 premium growth in Canada
Premiums and deposits in Canada grew 15% to $1.3 billion in the first quarter of 2010, Standard Life Financial Inc. reported Thursday. "We have started 2010 with confidence," said Joseph Iannicelli, president.
Read more on Investment Executive
Orignal From: Standard Life posts strong Q1 premium growth in Canada
Future Medical Insurance Premiums Lowered If We Look After Our Hearts
Medical insurance companies are often paying out for treatment for heart conditions. In fact, it is up there at the top with cancers in being one of the biggest factors that will bring down British people. Without medical insurance, sufferers are often subjected to lengthy waits for treatment on the National Health Service.
However, there is good news. Scientists have discovered a drug which cuts death from a common heart problem by almost a third. Atrial fibrillation is a disorder of the heart rhythm but 'Multaq' has been shown to reduce the incidents of this claiming lives by up to thirty per cent.
This medical condition affects 700,000 Britons but the recent advancement in its treatment is the first in twenty years. The fast and erratic heartbeat of patients needs stabilising to avoid angina and heart failure. It is the upper chambers of the heart that are out of rhythm and causes the heart to beat up to twice its normal speed.
Another complication of this condition is the fact that it causes tiny blood clots to form and these can lead to strokes, another topper on the medical insurance claims. At best, previous treatments involved the use of digoxin which successfully slows the heart beat but cannot regulate it and death rates remained the same. Drugs to thin the blood followed by minor electric shocks to restore normal rhythm are also used.
This drug is considered a huge breakthrough because it is having positive effects on all those that are trialling it, without side effects. More than 4,500 patients from 33 countries have trialled the effectiveness of Multaq over a year and this is when it was discovered that cardiovascular deaths were greatly reduced among the group. Quality of life is greatly improved for all those taking the drug and life time expectancy is greatly increased. It is hoped there will be a license for using this drug as early as next year.
If this is something of a warning to those who are concerned about their heart health, or for those who would like to keep the cost of their medical insurance premiums down, there is even more good news as to how we can look after ourselves. Drink red wine.
A chemical found in the skin of red grapes contains resveratrol, an anti-aging compound. This has been captured and put into pill form and has received the backing of the UK's largest pharmaceutical company GlaxoSmithKline. In fact, GSK bought out the company that made the drug for £361 million.
The drug was tried in lengthy tests on mice and it was found that they lived longer, were almost immune to the effects of obesity and rarely get diabetes, cancer or Alzheimer's. It was also found that if the rodents were subject to starvation diets they could even extend their life by up to thirty per cent. It is believed this is because starving the body activates a gene known as sirtuin, a survival gene.
These discoveries are hoped to bring about more treatment for diseases such as cancer and Alzheimers. The same scientists have also found that flavanoids in blueberries and other fresh fruit interact with nerve cells and stimulates the re-growth of brain cells.
So, it would seem that while scientists are doing their best to find the elixir of life, it will always pay to look after our bodies to enable them to continue working as long as possible. And if this includes eating tasty food with the occasional glass of red wine then who am I to argue?
.
Orignal From: Future Medical Insurance Premiums Lowered If We Look After Our Hearts
Cancelled flights: AA Travel Insurance refuses to pay out on volcano claims
Cancelled flights: AA Travel Insurance refuses to pay out on volcano claims
Hundreds of stranded travellers may be left out of pocket after the insurer backtracks AA Travel Insurance, an offshoot of the national motoring group, has reneged on a promise to cover claims from travellers affected by the recent volcanic ash, potentially leaving hundreds of holidaymakers out of pocket. On the first day that flights were cancelled , 15 April , the insurer announced that it ...
Read more on Guardian Unlimited
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Good News For Medical Insurance Companies
Cancer, heart attack and organ failure are the biggest and most frequently claimed for illnesses on medical insurance. However, new discoveries are being made all the time and it is hoped that this reduce premiums for medical insurance as these illnesses become more manageable and treatable.
Breast cancer is one of the few cancers that can be linked to genes and one of the biggest illnesses responsible for women making medical insurance claims. However, in medical advances, scientists have identified the key gene responsible for the spread of this devastating disease to other parts of the body.
Apparently, the gene SATB1 controls how more than 1,000 other genes behave within tumour cells and when it is over-activated, this is when the path for cancer is smoothed into other parts of the body. Interfering with this gene through the use of specific drugs would halt the march of cancer through the body, helping over 44,000 women in the UK every year.
Further news from the world of medicine includes news that experiments are being carried out that will cause tiny pieces of skin to grow into the chameleon-like ones in embryonic stem cells. They could then be deliberately formed into heart cells and transplanted onto heart attack victims. This is hoped to prolong the life of tens of thousands of victims every year and improve the quality of their life.
These repair kits could also be used to test drugs on and would also reduce the risk of side effects on treated patients. The patient's own cells could be used omitting the risk of rejection or a bank of cells could be set up and on standby. Unfortunately, due to lack of testing to date, it is thought that this treatment is still at least a decade away.
When it comes to organ failure claims on the books of medical insurance companies, this is also quite high. But once again, there is good news emerging for sufferers. As with a lot of illnesses and diseases, early detection is the key and doctors are being made more aware of the signs and symptoms to look out for to cope with these problems before they become out of hand.
Kidney failure is often blamed on other things and goes for a long time undetected. But now it has emerged that long term tiredness and being overweight are simple symptoms that should make a doctor sit up and take notice. Tiredness and being overweight are very general symptoms that are frequently put down to lifestyle or the ageing process but it is advisable to get a second opinion if you are not happy.
Always better to kick up a fuss with your doctor than get to a point when claiming on medical insurance is a necessity.
In a record operation, doctors have recently carried out six kidney transplants simultaneously. It took nine medical teams a total of ten hours to perform the transplants on six patients. Friends and relatives of the sick people had come forward and offered themselves as donors but when it was found they did not match their relative, but another of the group, a mass operation was set up.
The operations were done at the same time to avoid anyone backing out once their loved one had received their new organ and so far, all is well. Some of these patients have lived for years on the organ donor waiting list and, unable to work, have survived on medical insurance payouts.
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Orignal From: Good News For Medical Insurance Companies
It started to rain while replacing our roof and now there is water damage in our house will insurance cover it?
We got the house sheeted and then tarped before it started to rain. BUT now it wont stop raining and we have had 2 ceilings fall down and numerous leaks. Do we have a chance at turning this in to our insurance company?
Orignal From: It started to rain while replacing our roof and now there is water damage in our house will insurance cover it?
Orignal From: It started to rain while replacing our roof and now there is water damage in our house will insurance cover it?
How do I get car insurance over the weekend?
I just bought a car and I have 3 days to get insurance on it, how can I get insurance over the weekend? Is there a place to get insurance online? or even possibly temporary insurance?
Orignal From: How do I get car insurance over the weekend?
Orignal From: How do I get car insurance over the weekend?
Car Insurance--calculating Your Premium
Car insurance is a legal requirement for anyone getting behind the wheel of a car. Whether you are a learner driver, or have been driving for 30 years, you simply cannot drive a car without having car insurance of some kind. If you are caught driving a car without car insurance, you face a hefty fine and points on your licence.
Calculating your car insurance can be difficult as there are so many things to take into account, but here we can show you how to do it easily. There are hundreds of companies offering car insurance online, and we can help you find out how to look for the cheapest car insurance online.
Before looking at what car insurance entails, lets look at the legal requirements for driving so you can see if you are eligible to take out insurance on a car.
To be considered for car insurance you must be over 17 and either hold a provisional licence or a full driving licence. The vehicle you are looking to insure must fall into the categories of vehicle you are allowed to drive – and this will be shown on your driving licence, a full one or a provisional.
Calculating your car insurance and getting the cheapest car insurance online or face-to-face depends on a number of factors. Your age can play a big part as younger drivers are considered more of a risk to people offering car insurances. Any speeding convictions or points on your licence for other driving misdemeanours can also have an effect, as can the type of car you are insuring, the number of years you have when you have not claimed anything against your car insurance and the amount of people you want to add to your car insurance.
It may seem a bit confusing, but most online car insurance providers can offer quotes in minutes. Just make sure you have all your details to hand so you can answer everything that is needed.
Ideally everyone wants the cheapest car insurance. That can sometimes mean insuring yourself third party, which means you are only covered for damage inflicted by you to a third party vehicle or property. The problem with this is your car could end up with severe damage, yet you will have to cover any of these costs yourself or have the car written off, meaning the value of the car is less than the expense to repair it.
Another factor to take into account when calculating car insurance prices online or otherwise is where you will leave the car overnight. Discounts usually apply if your car is on a driveway or in a garage rather than on the street. If you have a driveway and use it, make sure you say so.
If you take all these factors into account and arm yourself with all the information before looking online for quotes, you should have no problem calculating your car insurance.
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Orignal From: Car Insurance--calculating Your Premium
What is the position of Islam on insurance?
What is the position of Islam on insurance?
Looking at the concept of insurance, what the basis is, these are companies dealing in risks. They insured your risks so that whenever an unforeseen contingency happens, they will intervene and pay you compensation.
Read more on AllAfrica.com
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If a person shattered my back window, then how much would my house insurance rate go up?
A person threw rock at my back window and it's roughly 6 foot by 3 foot. The rock shattered my entire window. The insurance will cover it, but how much will the rates go up?
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Orignal From: If a person shattered my back window, then how much would my house insurance rate go up?
Wednesday, April 28, 2010
What kind of medical insurance do I need for a visit to France?
My Wife and I are going to France for about a week and I was wondering from where can I get medical insurance for my trip. The French consulate says that we should be insured for atleast $40,000.
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Orignal From: What kind of medical insurance do I need for a visit to France?
Can you recommend a good house insurance company for Houston, Texas?
Looking to buy a new insurance policy for my house
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Orignal From: Can you recommend a good house insurance company for Houston, Texas?
Car Insurance Quotes
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What is the best life insurance to get for my parents?
I keep getting the gut feeling that I need to get life insurance for my parents. Is that possible? If so, which company is the best?
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Affordable Car Insurance Can Happen: Things to Consider in Purchasing Car insurance
Affordable Car Insurance Can Happen: Things to Consider in Purchasing Car     Insurance
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Affordable car insurance may be something of a rarity today. The law requires that every car owner purchases car insurance. Failure to do so will result to the revocation of your driver’s license. It’s no wonder that a lot of insurance companies take advantage of this.
Car insurance companies actually determine insurance premiums depending on several factors. An affordable car insurance premium may be possible if you fall in any of the exceptions in determining insurance premium affordable. Here are a few things to consider before you go and purchase your first car insurance policy and tips on hopefully getting a more affordable car insurance policy.
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Car model
You have to understand there are some cars that are more expensive to insure than other cars. Generally, the more expensive the car, the higher the premium imposed on the car insurance and the smaller and the less expensive the car, the lower the premium. For example, the Subaru Impreza, a four wheel drive is a higher risk for expensive repairs due to collision as compared to the Ford Excursion, a two wheel drive which can get you affordable car insurance without a hitch.
There are also cars which are charged higher premiums in terms of safety features. The Suzuki Esteem, a four door drive is ranked one of the highest when it comes to injuries sustain during collision. The GMC Sierra, a two wheel drive, on the contrary is a safety-feature car so a more affordable car insurance premium is expected on this model.
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Age of insured
People below 21 and senior citizens are charged more for higher car insurance premiums. This presupposes the fact that younger people are less likely to be responsible drivers supported by the growing statistics on deaths caused by automobile accidents with drivers in this age group. Senior citizens are also more likely to be in an accident due to slower reflexes.
However, there are state that offer discounts for full time students and those under the age of 25. There are requirements to be fulfilled and if you qualify, you can get affordable car insurance. Senior citizen discounts are also available on a state-to-state basis or depending on the company policy.
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Age of the car
You have to consider as well the age of your car. If it is an older model, you can get affordable car insurance depending on your policy. Older cars are liable to spare parts cannibalizing. Instead of being stolen and dumped, older cars are easy target for hard to get parts. At best, you can consider a basic and affordable car insurance policy without other theft, natural events and other coverage.
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How do you measure square feet? I have to measure my house for insurance purposes.?
Last year it was insured for 1600 sq ft. This year they decided (on their own wihtout measuring it) that it is 3,000 sq ft!
Even the town taxes me at 1400 sq ft! The insurance company said the town does that to help ppl save on taxes but I'm not so sure I believe them. This town is money hungry. Its not like them to try to help someone. Unless they can help you part with your money.
My house is 1&1/2 story. The upstairs walls are slanted inwards in all rooms but one and the short hallway. It is a 4 bedroom but very small rooms.
The insurance company said to times length by width and then add 1/2 of that for the upstairs. Is that right? I'm not sure I believe them. All they want is my money!
Orignal From: How do you measure square feet? I have to measure my house for insurance purposes.?
Even the town taxes me at 1400 sq ft! The insurance company said the town does that to help ppl save on taxes but I'm not so sure I believe them. This town is money hungry. Its not like them to try to help someone. Unless they can help you part with your money.
My house is 1&1/2 story. The upstairs walls are slanted inwards in all rooms but one and the short hallway. It is a 4 bedroom but very small rooms.
The insurance company said to times length by width and then add 1/2 of that for the upstairs. Is that right? I'm not sure I believe them. All they want is my money!
Orignal From: How do you measure square feet? I have to measure my house for insurance purposes.?
What are my medical insurance options once we leave the military?
I am pregnant, and my husband only has two more weeks in the military so we will soon be out of medical insurance. I know Cobra is set up for corporate employees... is there anything set up for ex-military or do we have to find a company like BCBS to give us personal medical insurance?
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Orignal From: What are my medical insurance options once we leave the military?
BRIEF-Moody's: foreign life insurers exit Taiwan
BRIEF-Moody's: foreign life insurers exit Taiwan
Apr 29 (Reuters) - foreign life insurers exit Taiwan on accounting issues.
Read more on Reuters via Yahoo! Singapore News
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How can I cancel my geico car insurance?
I pay for my geico car insurance every six months because I save some money instead of paying monthly.
Here is a thing I am going to out of US for 3 months and I do not need insure my car however I already paid for the 6 months.
Can I cancel my car insurance and get the rest of money back?
Do they have any freezing method for these situations?
If I cancel my car insurance, will they charge me some money?
How do they calculate this?
Need specific answer, Thanks.
Orignal From: How can I cancel my geico car insurance?
Here is a thing I am going to out of US for 3 months and I do not need insure my car however I already paid for the 6 months.
Can I cancel my car insurance and get the rest of money back?
Do they have any freezing method for these situations?
If I cancel my car insurance, will they charge me some money?
How do they calculate this?
Need specific answer, Thanks.
Orignal From: How can I cancel my geico car insurance?
Is life insurance a good investment for a married couple with no children or mortgage?
My wife and I are considering purchasing life insurance but we aren't sure if it is the best investment for the money involved. Advice would be helpful. We do plan on having a family in the next few years and our ages are 30 y/o and 29 y/o.
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Orignal From: Is life insurance a good investment for a married couple with no children or mortgage?
How long do car accidents affect my insurance rates?
I have heard that accidents and tickets will affect car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this claim. Is this going to affect my rates for five years from the settlement date or from the date of the accident?
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Florida Median Auto Insurance Rate Now $787 per Household
Florida Median Auto Insurance Rate Now $787 per Household
SACRAMENTO, CA--(Marketwire - 04/28/10) - The median six-month auto insurance rate in Florida has increased approximately 4.8 percent over the last six months to reach $787 according to InsWeb (NASDAQ: INSW - News ), a leading online insurance comparison provider. InsWeb also reported Florida median auto insurance rates segmented by specific demographic groups. These rates are determined by ...
Read more on Marketwire via Yahoo! Finance
Orignal From: Florida Median Auto Insurance Rate Now $787 per Household
If you buy a double wide mobile home, do you get regular house insurance?
Or is there some other kind of insurance you have to get? (For now, it will be at a mobile home park until i buy some land).
FANTOMAS: I feel sorry for you. I hope you see the truth someday. And i dont know why athiests randomly attack christians. If you dont believe in god, FINE! But mind your own business. Dont try to spread your evil and hate. Your probably a Obama supporter too!
Orignal From: If you buy a double wide mobile home, do you get regular house insurance?
FANTOMAS: I feel sorry for you. I hope you see the truth someday. And i dont know why athiests randomly attack christians. If you dont believe in god, FINE! But mind your own business. Dont try to spread your evil and hate. Your probably a Obama supporter too!
Orignal From: If you buy a double wide mobile home, do you get regular house insurance?
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