Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.

As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.

To be a life policy the insured event must be based upon the lives of the people named in the policy.

Insured events that may be covered include:

* Serious illness

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.

Life-based contracts tend to fall into two major categories:

* Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
* Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.

TATA AIG Travel Insurance, overseas travel insurance coverage

Travelling abroad is an exciting and mind broadening experience, however it is cautious to be always covered with proper health insurance. While leaving one’s home country travelers should get covered under overseas travel medical insurance, as their domestic insurance usually does not cross national borders. TATA AIG has designed travel insurance specially to provide coverage for those going overseas. TATA AIG travel insurance covers costs that incur both due to medical as well as non medical reasons during an emergency. The premium for the TATA AIG travel insurance plans vary according to the age group and destination of the traveler. The travel insurance plans offered by TATA AIG are;

TATA AIG Travel Guard Insurance

The TATA AIG Travelguard insurance is for all overseas travelers up to the age of 70. There are 3 policy maximums available, the Silver plan for $50,000/-, the Gold plan for $200,000/- and the Platinum plan for $500,000/- . This policy is available up to 180 days initially, but can be later renewed for another 90 days. The renewal is however not guaranteed and is contingent on approval.

TATA AIG Asia Guard Travel Insurance

Your holiday in Asia will be more enjoyable and memorable covered with TATA AIG Asia Guard. Travelers going to Asian countries like Hong Kong, Singapore, Thailand, Malaysia, Dubai, Sri Lanka, Maldives… can purchase TATA AIG Asia Guard and get covered. Those who are travelling to Asia for any purpose will find TATA AIG Asia Guard affordable than any other travel insurance plans. Only Japan and Korea are Asian countries that are excluded in Asia Guard travel insurance. However the Asia Guard policy is available for a maximum of 14 days only. For travel within Asia but for more than 14 days, travelers should purchase the TATA AIG Travel guard insurance policy.

TATA AIG Annual MultiTrip Travel Insurance

Travelers who make multiple trips to foreign countries annually can purchase TATA AIG Annual MultiTrip travel insurance for medical coverage. TATA AIG Annual MultiTrip insurance is available as Gold plan and Platinum plan. The Gold Plan in Annual MultiTrip provides maximum coverage of $250,000 and Platinum plan offers maximum sum of $500,000 respectively. Travelers with the Annual Multi trip cannot exceed a single trip overseas for more than 30 or 45 days depending on the plan purchased.

TATA AIG Domestic Guard Travel Insurance

Those who travel within India should not ignore the importance of travel insurance policy. TATA AIG Domestic Guard travel insurance plan covers specific risks that are encountered by the travelers in case of an emergency. TATA AIG Domestic Guard insurance can be purchased according to one’s age group.

TATA AIG Student Travel Insurance

Students going abroad for education also require medical insurance and TATA AIG Insurance plans are available for them also. TATA AIG Student medical insurance provides coverage for students between the age of 16 to 35 years who are enrolled and attending full time college outside of India. TATA AIG Student Guard insurance is available for the customers as Plan A, Plan B and Ultimate. The policy maximum will be $50,000, $100,000 and $250,000 respectively in Student Guard medical insurance by TATA AIG.

TATA AIG Senior Citizen Travel Insurance

TATA AIG travel insurance plans are available for senior citizens as well. Senior citizens who are between the age of 70 and 79 are eligible for TATA AIG travel insurance policy coverage. The maximum duration of coverage will be 120 days for Senior Citizen travelers between 70 and 79 and the maximum benefit maximum is limited to $10,000 in insurance plan.

These are some of the travel insurance plans offered by TATA AIG and are available online. Customers can purchase insurance from outside India for family members who are traveling from India. A son or a daughter living in the United States or the UK can purchase TATA AIG Travel insurance for their parents who are traveling from India. Insurance customers can free quotes of TATA Travel insurance and get covered quickly and conveniently. Travelers who are already outside of India can fill online traveler outside India application and request for TATA AIG travel insurance policy coverage. Travelers already outside India can purchase the policy on getting approval. The purchase process of TATA AIG health insurance plan can be completed using a credit, a debit card or a cheque. The coverage of TATA AIG insurance plan will begin as per the start date requested by the insurance customers. TATA AIG travel insurance provides coverage for hospitalization expenses, checked baggage loss, baggage delay, loss of passport, personal liability, personal accident, trip delay etc.

The Hunt for Health Insurance Part 1: Being uninsured sucks!

I looked over my COBRA papers and stifled a chortle. $430 a month for a plan that has a $2,000 deductible? Yikes. Life was so good when I paid $70 a month for that bad boy and my employer put $1,000 in the HSA. I got an annual physical and chiropractic work and not a dollar came directly from my pocket.

Oh well.

So I read some news articles on shopping for insurance and talked to my cousin who had run his own business and worked as a contractor, so he was well-versed in shopping for his own coverage (plus he has a wife and children, so it was even more crucial).

I've been to ehealthinsurance.com (which both a Washington Post article and my cousin recommended) and applied for two plans -- both with CareFirst Blue Cross Blue Shield. They've got low monthly premiums because the deductibles are high, but I think that will work for me because I rarely go to the doctor (even when I have health insurance I only go for annual physicals and when I'm super sick, otherwise I don't mess with them fools... always wanting to push some drugs on ya. I once had a doc write me a prescriptions for Tylenol. What?). I figure most of the money I'd be saving on one of these plans vs. COBRA I'll stick in my emergency fund so if and when that deductible has to be paid out, I can do it in cash and the plan can cover the rest.
Now... that means I actually have to save the money and not go buy shoes or something.

Do me a favor blogger fam: tell me about your coverage, how you acquired it and what plans you're working with. I'm curious how many people prefer HMO, PPO, High Deduc with HSA or what. And any other suggestions you have for searching out decent coverage, let me know. Thank you!

Fire Insurance Claims: Help & Tips You Should Consider After The Fire

By: Joe Brennan


Almost everyone who has suffered damages to their property as a result of a fire insurance claim makes costly mistakes during and after the settlement... And, here it is; Most policyholders simply rely on their insurance company to evaluate the entire claim. This can be the most costly mistake anyone could ever make in their entire life.

As if it's not bad enough that your property was destroyed by fire, to then rely on someone else - who is not really there for you - to visit the property, inspect the damages, generate PROPER value, and then completely trust that they have your best interest in mind... Is Simply I N S A N I T Y ! Yet, we see policyholders that are in a state of shock allow this very thing to happen all across the world, every day of the year. It's hard to imagine that most people have human instincts to count their "change" from a cashier at the store or diligently review dinner bills, line by line, to make sure the waiter or waitress did not bill them for additional items. We all do it. We're sure to go out of our way to track and count life's little chump change. However, when it comes to fire insurance claim damages exceeding tens of thousands, even hundreds of thousands of dollars, without ay questions we rely on the insurance company.

No one knows your property like you do. There is much to do to properly prepare and configure a fire insurance claim that in most instances, items are forgotten or missed during the process. Especially if it's done by someone at your insurance company. They don't know about your building, your property, or your contents (furniture, clothing, etc.) like you do. How could they possibly be as accurate as you? Furthermore, just because an insurance company adjuster visits your property for an inspection does not mean they are a professional contractor, builder, or certified in fire and water damage restoration.

With the review of thousands of closed claims, we have found that in most cases, both insurance companies and policyholders unknowingly miss damages that are hidden from the naked eye. In almost all instances; it is a good idea to have a professional review your fire damage claim. Preferably a fire insurance claims appraiser, consultant, or fire consulting firm.

Unknowingly policyholders often assume that when their insurance company sends them money and they deposit the funds in their bank account that the claim is closed. This is not true at all. The fact is; in most states the policyholder has up to 3-years to submit a claim and even the same time to ADD damages to an existing claim. So, the answer is yes, you can have a professional review your claim to see if you have been properly compensated, during the claims process or even years after the claim has been closed. Policyholders can also obtain more insurance proceeds from claims - even if the building has been torn down, demolished, and/or removed.

It's true, even if claims have been settled and all insurance proceeds have been deposited, or the building has been torn down and removed, policyholders can recover more insurance proceeds if the damages were missed or not addressed properly. In most cases, tens of thousands, even hundreds of thousands of more dollars are recovered... AFTER the insurance company has closed the claim. Even policyholders that believe they have received a fair settlement... they usually have not.

However, it's truly up to the policyholders to do their part and protect themselves. Below are a few tips and ideas to assist policyholders with the review of their fire insurance claims. There are tips for those in the middle of the claim process - as well as tips for claims that have been closed some time ago.

1. Existing Claim -

1. Document Your Building Damage: Take the time to inspect and document the damages yourself. Take photos of all damaged rooms in your building. Take overviews of the room and then take some close-up photos of the damaged ceilings, walls, floors, windows, doors, etc. of that room as well. Work your way around the building to the left (clock wise). Before entering the next room, closet, or hall - take an overview. This will be an easy way to organize which photos belong to which rooms. An example is; Overview of living room, then from top to bottom, photos of ceiling, walls, windows, doors, then the floor. Then the first photo of the next room is an overview, and so on. (No pictures or close-ups of contents yet, just the rooms.)

1. For Closed Claims -

1. Obtain Documentation Of The Building: Insurance adjusters visit the property to gather measurements and photos of the damage. If you have no photographs yourself, or a limited amount of pics - request that the insurance company send you all photographs that were taken by the adjuster. You should also request the complete estimate and diagram/sketch they used to arrive at the square footage and repair numbers. This type of documentation will be critical for you to have, as well as if the need arises for the fire insurance claim appraiser you choose.

2. Existing Claim -

2. Document Contents Damage: You will now want to visit each room and closet once again. This time you will be collecting an inventory of your contents. In the same manner you did with the rooms; you should take an overview picture of each piece of furniture, each pair of shoes, each shirt, pants, ect. After the overviews you then take a close-up picture of any damages to that item. (Like smoke or water stains, etc.) Write each individual item down on a Contents Inventory Form. ( Request one by visiting http://www.insuranceclaimsgroup.com/contact-us.html ) The manner in which you take your photos will also help organize them. For Example; Take the overview picture of the room you are about to enter. In this example; let's say the living room. Your should then continue your way around the room to the left (clockwise). Capture pictures and list each item on each wall until you get back to where you began. It's important not to bounce around the room. This ensures that items will not be forgotten or missed. When the living room inventory has been pictured, listed, and completed, move into the next room. Again, start with an overview picture of that new room. This helps organize the contents by what room they were in. Be sure to list the name of the room on each page of the inventory list. Now the pictures and the lists are both sequenced and organized with each other.

2. For Closed Claims -

2. Obtain Documents Of Your Contents Damage: The insurance adjuster has taken photos of your contents during their inspection as well. If you have no photos yourself, or minimal photos - then request all photos taken by the adjuster of your contents. You should also request the complete detailed contents inventory they have written to arrive at their numbers. This documentation will be useful for the fire insurance claim consultant you choose.

3. Existing Claim -

3. Review Policy: Fire claim victims should always take time to read and review their insurance policies. Moss people have no idea of the basics, like; How much building allowance they? How much allowance for contents (clothing, furniture, electronics, etc.)? How much allowance to rent a home, rent furniture, or to stay in a hotel? Surprisingly, most policyholders have limited or absolutely no knowledge of such information. Usually this type of documentation gets destroyed in the fire. If such; people should visit their agents office and request a "certified true copy" of the policy they own. One should also ask the agent to advise how much coverage they hold for their property.

3. For Closed Claims -

3. Obtain Copy Of Your Policy: Contact your insurance company and request a certified copy of your "FULL" insurance policy, including the Declarations page. This documentation will be useful for the fire insurance claim consultant you choose.

4. Existing Claim -

4. Consult With A Professional: The insurance companies have their adjuster visit your property, inspect your damages, and complete estimates on the amount of damage you have incurred. It's very important you have the same exact process completed yourself. How does a policyholder know the insurance company adjuster has done their job correctly? Should you be willing to give up tens of thousands of dollars by not taking steps to be sure? The insurance adjuster should explain all the fire insurance claim coverage's that is available to you, however, such information is rarely disclosed. Sometimes it is even done on purpose, and on other occasions it's also done on purpose (Did you read that? Forgetting to advise you of certain coverage's is usually withheld until you ask. More often than not; it's done on purpose.) It is your belongings, it is your money, and it is your policy. You must educate yourself to ensure you're being fully compensated for the fire damages. You should consider hiring a fire insurance claim professional. Someone who can look out for you and review the insurance company's value of your loss. You need to be in-the-know by obtaining your own "real-world" costs and estimates to repair or replace your property.

4. For Closed Claims -

4. Consult A Independent Insurance Appraiser: Have you been provided with a fair settlement? How is a person sure they have unless they consult with a professional? Anyone who is not 100% sure if they have obtained fair and full settlement from an insurance company, owes it to themselves to investigate. If policyholders have collected and reviewed all the docs and photos that are listed above; they have sufficient documentation to consult the opinion of an independent appraiser and insurance professional. A professional review of your claim documentation is all an independent insurance appraiser needs to advise if you were treated fairly. To consider leaving yourself in the dark, with no flashlight in sight, without knowing if you're forfeiting tens of thousands and/or hundreds of thousands of dollars in the insurance company's pocket - doesn't make much sense at all. The minimal fee it would take to understand where you stand is a very tiny cost to pay. Compare that same tiny cost to a large chunk of insurance funds that you weren't even aware existed... is a no-brainer.

(Free Consultation: Getting help is easier than you think. We provide a no cost review of any present or closed insurance files. Call for your Free Consultation at any time 919-669-9111. Or visit online at http://www.insuranceclaimsgroup.com/contact-us.html )

The reasons are clear and simple. The facts are this, the adjusters work directly for the insurance company, where the fire claims appraiser or consultant works directly for you. You already made the right choice by making sure you were properly insured. It is now up to you to continue with the next steps. That is to research that you have properly compensated for the policy you paid for.

About the Author

Copyright of Insurance Claims Group, Inc. & Joseph P. Brennan: Joe Brennan is President and owner-operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. Joe has been in the property loss business for more than 24-years. His loss experience began as a contractor - builder, which included water and fire damage restoration repair services. After 20-years of insurance restoration estimating and repair experience, Mr. Brennan became a licensed independent insurance claims adjuster. Joe has maintained his IICRC Certification in both Fire and Water Restoration and also maintains active adjuster licenses in 10-states. Throughout his career, he has handled many multi-million dollar losses, both commercial and residential. The amount of combined experience and knowledge of new construction, damage repairs, and insurance claims handling has advanced his ability to act as a Dispute Appraiser and Appraisal Umpire. Mr. Brennan is highly educated with the appraisal process and has acted as an appraiser and umpire on dozens of claims. Mr. Brennan can be reached at;


Insurance Claims Group, Inc.

2054 Kildaire Farm Rd., Suite # 426

Cary, NC 27518

Ph: 919-669-9111

Fx: 919-573-9595

Web: http://www.insuranceclaimsgroup.com , http://www.insurance-appraisal-servies.com & http://www.fireinsuranceclaims.net



Copyright of Insurance Claims Group, Inc. & Joseph P. Brennan: You may freely republish this article, provided the text, author credit, the active links and this copyright notice remain intact.

(ArticlesBase SC #1424893)

Article Source: http://www.articlesbase.com/ - Fire Insurance Claims: Help & Tips You Should Consider After The Fire

So you are thinking about protecting yourself with a home insurance. But what different types of home insurance are there and which one is the best for you?

This is a very important question you should know. So this guide will help you find out about your best options and how to use each.

Here are the most common types of homeowners insurances...
Home Insurance #1: Homeowner's Insurance

So you have a home and want to protect it? Then this insurance is essential for you.

Homeowner's insurance protects your home itself. So if anything happens to it, you can rest assured you will get the money back. For example a fire, earthquake, flood, and so on.

You can find out more about this type of insurance and how you can easily protect yourself in this helpful article about homeowners insurance free tips.
Home Insurance #2: Home Contents Insurance

So you have protected your home itself, but what about everything inside it?

It's amazing how many people spend their life and their hard-earned money buying and collecting the best house furniture, the latest in technological gadgetry, and a lot more... yet they forget to get any protection for them.

So by a simple accident, like earthquake or fire, or a burglary they lose all their valuable belongings in their home.

Find out more about home contents insurance in this free helpful guide.
How to Choose Which Insurance to Use?

Here's an easy way to choose which type of home insurance is best for you...

Ask yourself in case of anything happening, what will be harder to replace? Your home itself or your items and belongings in your home?

Because for some people their home is the most valuable thing and for some people who may have a simple house but lots of expensive items in it, their house items may be of the most value.

But overall, it's highly recommended you protect both your home and your home contents.

It's easy and the investment for the insurance won't be anything comparing to how much you'll have to pay without the insurance if anything happens.

Spare changeGeographical location can play a part in what a person may end up paying for coverage and finding affordable automobile coverage can be a challenge in such areas. This is especially true for those that reside cities such as Los Angeles, New York City, etc. This is because these cities are highly congested with many vehicles occupying the roadways that cause the risks of traffic accidents to be much higher The way that insurers look at it is; the more automobiles around ,the riskier it is for them to insure drivers

Aside from congested roadways, certain areas may have high crime rates which may cause the price of Comprehensive coverage to rise. It is not only the law to have coverage in most states in order to operate vehicles legally, but it can also help motorists from suffering huge financial burdens and legal action if they are the cause of an accident while driving uninsured. For this very reason, motorists should take the time to find affordable auto insurance not only to abide by the law, but to protect themselves as well.

Document, pen and glassesPractically any driver or vehicle owner who resides in the United States and wishes to operate an automobile must purchase a car insurance policy to do so legally. There is the issue of carrying the prior documentation at times when needed. Although there are many states that do not require individuals to carry proof of coverage at all times, it may be a good idea as a precautionary measure and under certain circumstances, one may be glad that they did.

Many states have implemented a law in which motorists are required to show proof of auto insurance under a number of scenarios. The most recent being the state of Wisconsin, beginning June 1, 2010 the state now allows a police officer to ask a driver to furnish documentation during a routine traffic stop proving that they are indeed insured; failure to provide the necessary paperwork can end in a $10 fine. Although such a minimal fine can be seen as laughable, most do not wish to part with $10 for something as little as forgetting to put a piece of paper in their car. Other states do not take this law as lightly as WI and some will even go so far as to tow a motor vehicle away for failure to comply with the state’s laws.

MaineThe Pine Tree State mandates that all drivers are covered by a liability policy. As stated by the Maine auto insurance laws, motorists are required to have at least the following limits as a minimum; $50,000 for bodily injury to one person, $100,000 for bodily injury to two or more people, and $25,000 for property damage or a combined limit of $125,000. These limits were put into place to cover the injuries and damages caused to a third party by a policyholder and compared to many states, these limits are much higher than the norm.

The bodily injury portion of a policy will pay for the injuries of a third party that are sustained when caused by a policyholder. This can also pay for such items as medical expenses, lost wages, and pain and suffering. The property damage portion helps pay for the cost of damages caused to property such as an automobile, fence or house while behind the wheel of the insured’s automobile. Liability policies will also cover bodily injury and property damage if a member of a household who is covered by the policy or a person who is borrowing the vehicle with the permission of the policyholder.

Teen driverA teenager is usually going to find it an uphill battle when looking for an affordable rate for car insurance, but the truth of the matter is that if they wish to drive, they must be insured. This is why it is extremely important for these youths to take the time to understand why they are considered such a high risk to insure by providers and become knowledgeable of the many ways that a premium can be lowered in order to get covered at a reasonable rate.

Most parents dread the time it comes to buy auto insurance for teenagers and the teen may dread the fact even more if they will be held responsible for footing the bill, but as they begin to shop around it will become quite obvious that one company’s premium can differ substantially from another’s and obtaining quotes from as many carriers as possible can be the best chance at getting the best rate. A teenager lacks the experience behind the wheel compared to a middle aged driver and statistics show that this results in a higher crash involvement per mile driven. Therefore, insurers charge a bit more to cover youths, but there are ways to save

MichiganThe Wolverine State requires residents to purchase quite a bit of coverage to satisfy the legal requirements to operate a vehicle. Unfortunately, this translates into higher premiums for motorists and residents of Detroit are paying some of the highest premiums in the nation and finding it almost impossible to keep automobiles insured. Similar to states such as New York, which residents also pay a hefty amount for insurance, MI requires multiple levels of coverage in hopes to best protect its residents.

The Michigan auto insurance requirements mandate that as a minimum all operators must carry a policy that includes Personal Injury Protection (PIP), Property Protection (PPI), Residual Bodily Injury and Property Damage Liability (BI/PD). A policy such as this will be needed to register a vehicle and obtain license plates and with such extensive coverage needed, one can see why the cost to become insured can be quite expensive. States such as California only require policies containing bodily injury and property damage liability. The difference is that MI is a “No-Fault” state with required coverage that provides compensation to policyholders regardless of who is at fault for causing the traffic accident and CA policies cover the other party if an insured causes a collision. No-fault states use this system in hopes to keep lawsuits from being filed since payment is readily available.

A symbol of a comparisonWhen it comes to finding a good policy, it is almost always suggested that the consumer should take the time to compare companies to find the best and most affordable coverage. There are many ways to go about completing effective comparisons in order to find a reliable insurer. Many people like to visit offices in person, call various carriers or in more recent years, jump online and begin comparing.

Online comparisons have been becoming very popular in the last few years. In fact, a recent study showed that 63% of people surveyed had visited a website to get a quote. The main reason behind this is most likely the convenience. By visiting a car insurance comparison website, individuals can input their basic information about the drivers and vehicles to be insured and once submitted they will be able to view multiple quotes from various insurers that they can choose from. This can save a lot of time compared to contacting individual carriers and is not only quick and easy, it is also free and requires no obligation to purchase a policy.

How to Find Cheap Car Insurance

With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.

For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?

The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.

Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.

It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.

Whatever your motivation, with a little work you too can find the cheap car insurance you're looking for.

Jeff Kimball is an independent business writer and the author of A1 Cheap Car Insurance.com

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About the Author
Jeff Kimball is an independent business writer and the webmaster of A1 Cheap Car Insurance.com

What In The World Is Kit Car Insurance?

If you are fortunate enough to be an owner of a kit car, then you also know that from day one you need kit car insurance. If you're rebuilding your car, you will need kit car insurance from the first piece that's shipped in to the last when it's all assembled and beyond. There are insurance companies that will provide coverage every step of the way when it comes to kit cars. They have tailored made car insurance to cover your every need.

Such an insurance company can offer you a "goods in transit" kit car insurance policy to cover you collecting from the manufacturer through the building process and on the road. This is what makes them different than the general automobile insurance companies. They can provide coverage for those of you that have parts of your car waiting in your garage to be assembled providing you with peace of mind with this type of car insurance.

Of course owning a collector's car is not always fun and games. Most of the kit car insurance policies stipulate that your collector's car can only be driven 2500 miles in a year. This is where the kit car insurance differs from the general automobile insurance companies. Some of these general insurance companies will extend the mileage to 5000 miles a year depending on your needs. If you have a car show that is 2500 miles for a return trip that would mean you would have no mileage left for the rest of the year. Whereas if the mileage is doubled then you could take your car to the show and still have lots of mileage left for those quick trips you want to take.

Whether you are building your car or taking it out for it's first spin you need kit car insurance to let you drive without worry. After all this is your baby and you have invested a lot of money into your dream car. So why not have it fully covered with car insurance? You will feel so much better as you drive down the road with all those eyes upon you admiring the piece of workmanship that you are driving.

If you're building a kit car you need kit car insurance.


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About the Author
For a website all about Car Insurance visit Peter's Website Car Insurance Answers at http://www.car-insurance-answers.com/ and find out about Car Insurance as well as Cheap Car Insurance at http://www.car-insurance-answers.com/cheap-car-insurance.html and more, including Online Car Insurance Quotes, Car Insurance Rates and UK Car Insurance.

Insurance Haters Anonymous

Hello, my name is Chris, and I hate insurance. My father hated insurance before me, and for all I know his father before him. More...Kind of a family tradition I suppose. I have insurance for my home, insurance for my car, insurance for my life, insurance for my boat, insurance for my kids, insurance for my health, insurance for my teeth, insurance for my prescriptions, insurance for my bank loans, and insurance for when I travel. Wow! It's a wonder, I don't have insurance for my insurance. Don't laugh, I'm sure I heard somewhere that there is an insurance company that insures other insurance companies. Someone must be making a killing off of all this. The only insurance I don't have these days, is pet insurance. Only because we don't have a pet, and the kids are lobbying hard on that front.

Why Do We Hate Insurance So?

Everyone hates insurance, because it always feels like we never get anything in return for it. Normally, when I buy something, I get to walk out the door with it, or hear it, or see it, or just plain enjoy it. Insurance does none of that. It certainly seems like a pretty one sided deal. "Thank you for the cheque Mr Campbell. Oh, and just to be sure, we'll be taking a little more next month, and the month after and the month after that. Have a nice day." Great I think. And do I get to enjoy anything for writing all those cheques. Nope, but don't worry your very securely insured now. I cringe just thinking about how much I've spent on insurance over the years. And, feel even worse when I think how little the insurance companies have actually paid out to me. In hindsight, it seems like just a really bad investment. I feel like I've been buying stock in all these crappy companies over the years that just keep going bankrupt. The biggest scam of all, is that most people who buy insurance, are paranoid to actually file an insurance claim, because their rates will skyrocket. Not to mention that all those previously oh-so-friendly insurance company employees treat you like a leper, who just ran over their puppy three times, and stole all their kids halloween candy.

What Is Your Deepest Fear?

We all want guarantees, we all want to know everything is going to be alright. We hope that things remain status quo, and their are no major disruptions in our lives. That's what insurance buys. Peace of mind. Protection from the unknown. Salvation from disaster. And when it works, that's great. Insurance is kind of a socialist sort of thing. Everybody chips in a little bit to protect the unfortunate. And that's good. I do feel better, if I think of my insurance premiums saving someone else from a life altering disaster. And the optimist in me believes that is what truly happens most of the time. It's when insurance companies refuse to pay out for people that really need it, the irks me the most. Especially when it's done just to line the pockets of shareholders and greedy CEO's. That's really not what insurance is for. So, be smart with your insurance purchases, and remember, we're all in this together.

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About the Author
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What's The Difference With Antique Truck and Car Insurance?

It is difficult to define what antique means when dealing with insurance companies, and that is why it's a little difficult purchasing antique truck and car insurance. You have to make sure you have the auto insurance to meet your needs, although there are many companies that offer this insurance, you will have to put a bit of work into finding antique truck and car insurance that is right for you

There are two types of insurance you can find with antique automobile insurance companies and also classic collector auto insurance. The difference in the two of these is that most antique truck and car insurance doesn't allow the car or truck to be used for normal chores. Collector's auto insurance does, but only if you have a regular second daily car to drive and you can't use your collector car to go to or from work or to school.

In order to be eligible for special discounts on your antique truck and car insurance, your vehicle has to be defined as antique or vintage. It must be at least 30 years old. This makes life a bit easier for antique automobile insurance companies. As for other cars that arrived later and are loosely regarded as collectibles, then there is an auto insurance that can be obtained for these also.

There are a few ways to save if you're looking for antique truck or car insurance. Don't go for the full package of auto insurance if you're not taking your car on the road or if you don't use it at all and just have it for show. Although some antique automobile insurance is necessary you may not need all the auto insurance that you have.

To be sure of your needs talk to your automobile insurance company or check with several automobile insurance companies to make sure you are getting the best deal you possible can. You may end up with a discount depending on a few factors that could be the deal of a lifetime, so don't be afraid to shop around and find out what's out there for you that will meet your needs. Insurance companies can custom make a package for your antique truck and car insurance just for you.

There is antique truck and car insurance available, but only for antiques, and make sure that you know how you are going to use the vehicle.

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For a website all about Car Insurance visit Peter's Website Car Insurance Answers at http://www.car-insurance-answers.com/ and find out about Car Insurance as well as Cheap Car Insurance at http://www.car-insurance-answers.com/cheap-car-insurance.html and more, including Online Car Insurance Quotes, Car Insurance Rates and UK Car Insurance.

If you Drive a Motorcycle, You Need Motorcycle
Insurance

Automobile insurance is very important. Most people know this and understand this. Insurance is meant to protect you, your property as well as other people and other property that you may damage in an accident. There are different kinds of insurance that cover different things but even the mot basic insurance is better than none at all.

Since insurance is so important to motor vehicles, you should also know that it is important to motorcycle riders as well. More and more people are filling the roads with motorcycles. It is a great, fast way to travel. Many people enjoy the open road and the freedom. Many people find it cheaper than driving a car. Whatever the reasons for driving one, if you have a motorcycle, you need motorcycle insurance.

The good news is that more and more auto insurance companies are offering coverage to motorcycles now so it is not as hard or as expensive to get insurance. You can find free quotes from many common auto insurance companies.

You can get quotes online from many places like Progressive. Types of motorcycle coverage vary by state so you will have to look it up for your state to know exactly what kind of insurance is available to you and required by law.

Your coverage can also vary according to how your motorcycle is classified, just like with automobiles. There are cruisers, limited production cruisers, street sports, high performance, touring and more types. How your motorcycle classifies will affect your insurance as well as the other factors.

Your driving record can also affect your rates. There are some states that do not offer motorcycle insurance such as Massachusetts, Washington DC and New Jersey. You must check with the laws in your area. Most insurance companies can tell you the laws for your state if you do not know.

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About the Author
James Hunt has spent 15 years as a professional writer and researcher covering stories that cover a whole spectrum of interest. Read more at www.motorcycle-insurance-guide.info

Find The Right Medical Insurance For you
Many people think that they do not need medical insurance or that they can't afford medical insurance. Neither of these is actually true. Yes, medical insurance costs seem to be growing all the time, but the alternative is less than pleasant for people who don't have medical insurance. Everyone needs medical insurance because one major illness or accident could completely destroy a person's financial security if they have no medical insurance. For those that think they can't afford it, there are lots of options for cheap medical insurance, especially online. Medical insurance is, quite simply, protection. It is something that everyone needs, regardless of his or her financial situation.

If traditional medical insurance does not seem to offer the kind of insurance rates and coverage you are looking for, you can always look online. Online health insurance companies offer a variety of plans for complete coverage, partial coverage such as dental, eye or prescription insurance, or to supplement your existing medical insurance if it is not very good. Most online companies will offer you competitive quote based on the information you enter. Of course, the costs will vary depending on your medical background and other mitigating factors such as you being a smoker or having had any serious illnesses in your past. Online health plan quotes are easy to obtain and require no obligation to purchase a plan when you are shopping around the various companies to find medical insurance that is right for your health needs and your budget.

It makes sense to check out any medical insurance company you are considering. Find out how long they have been in business, what their reputation is, and if they are licensed in your particular state. You don't want to pay for insurance from an insurance company that is not going to be there for you after paying your premiums. Reliability is an important trait in these types of companies.

It is also a good idea to decide what kind of coverage you need, such as travel insurance, prescription coverage, dental coverage, eye insurance, emergency care, etc. If you are of retirement age, you need to find out if the medical insurance you are looking at covers long term care, hospice care, pre-existing conditions, etc. The needs of individuals are so different. Medical insurance companies strive to offer reasonably priced coverage for every life stage.

While medical insurance companies are not perfect, they can usually work out a plan that fits your needs. There are a lot of options in health care coverage these days. The best way to find the right medical insurance plan for you is to assess your personal needs, how much you can afford to pay for medical insurance coverage, and then shop around for the best deal.

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Online motorcycle insurance quote - how to get one
Getting an online motorcycle insurance quote is very convenient, but the online motorcycle quote that you get may not be accurate. You may be in for a surprise if you don't carefully check the information that you send in for the quote, and check the information you receive when you are given a quote.

Start with the information that you are supplying on the form. If you omit any information, or if you get any information wrong, the quote that you receive will not be accurate. You need to remember that this is just a quote. You are not applying for the insurance, and by supplying wrong information, or omitting information, you won't be doing yourself any favors.

You cannot fool the insurance companies. Omitting information will not get you a lower rate, because when you actually apply for the insurance, the insurance company will get a copy of your driving record, and possibly a copy of your credit report as well. They may require pictures of the motorcycle, or they may require you to bring the motorcycle to an agency for inspection. If you've omitted any information - whether it was on purpose or on accident - the insurance company will find out during the application process.

Most online quote sites don't allow for discount information. In other words, if you are eligible for specific discounts, you won't see those discounts when the comparisons are done. You will need to contact the insurance companies for a more accurate quote that includes your discounts.

After you get your online motorcycle insurance quote, call the insurance companies for a more accurate quote, and apply for the insurance over the telephone if possible, as opposed to applying online. This way you can be sure that you are getting the most accurate quote possible.

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Motorcycle-coverage.com strives to provide you with the latest information on motorcycle insurance. From insurance quotes to consumer experiences. Come and see for yourself at: http://www.motorcycle-coverage.com (Motorcycle insurance)

Reducing Car Insurance Rates

Forever climbing - that's the description of many to the car insurance rates. Many families really struggle to pay the car insurance bill each month. So if car insurance cost is an issue for you, what can you do about it?

Car insurance rates are often highly fluid. The car insurance industry is a massive and a highly comprehensive one. Car insurance rates vary over time as companies compete for the business.

By having a better understanding of how the rates are assessed, it is entirely possible to lower the cost of your auto insurance rates.

Car insurance rates are based on a assessment of risk. While insurance companies vary their rates to compete with other insurance companies, they also vary their rates based on their assessment of the risk passed by a particular driver driving a particular car. They do this because there's no point of buying business with low car insurance rates and then insuring high-risk drivers at these rates. This is a recipe for losing money.

So lowering your risk means lowering your car insurance. There's a number of ways that your own driving and car behavior can affect your car insurance rates.

Auto insurance varies to different types of cars. Sports cars, high powered cars and cars at greater risk of theft attract higher rates. It would be wise to think about another car that would be cheaper to insure, but of useful to you.

Be a safe driver. Many people do not think about some of the consequences of speeding tickets and driving offenses until after they have seen their subsequent car insurance bill.

Your driving record results to you risk profile. A clean driving record will be rewarded by cheaper rates while a poor driving record will be penalized, usually for quite a while.

You should also attend driver-training course. Many car insurance companies offer specific discounts for drivers who have attended a course. They do this because they believe that there would be lower risk and these drivers would drive safely on the road.

Drive less. You can car pool or use public transport to get to work. Car insurance companies look at the amount of driving their clients do when assessing their car insurance rates. Why? Fewer miles driven means less risk.

So if auto insurance are an issue for your and you family, there are many things that you can do. Car insurance rates are not set in stone.


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Author Info Roxel Pudol maintain the following sites: http://www.hk0.org, http://www.hs0.org, http://www.xb6.org, and http://www.worldidols.net Author Info: Roxel Pudol maintain the following sites: Web Directory, Hotels, and Celebrity Biographies

It's Good to Have Health Insurance in Young Age
Basically as the name suggests an individual health insurance policy is one in which an individual get the whole coverage for his or her medical expenses, the insurance policy is granted based on the prior history of an individual. For an individual who is either unemployed or self employed only an individual health insurance policy is the only way out to fetch all the medical bills in any miss happening in the near future. One can get an individual health insurance policy just by filling an offer from and getting himself or herself examined by a doctor which is recommended by the company. Having poor health or being healthy can make the cost of the insurance plan to be really very costly. And if you had poor health even in your past even then the health insurance policy is going to be really very costly. In number of cases when a person has poor health is usually denied from the enrolment to any health insurance policy. And number of times we have seen so many people who had poor health but got an insurance policy for their health but on great expense.

Group health insurance policy is the form of insurance policy which is taken and provided by the employer of an individual and the rates of the group health insurance policies are much more affordable because of the fact that in the group health insurance a big group of people get insured rather than an individual. The premium of such groups health insurance policies are basically divided into two parts one mart is major part includes most of the amount of the premium and the other part is minor part which covers a little of the premium. The major part is usually paid by the employer where as the minor part is deducted from the salaries of the employees or individual working in that company. Although when an individual applies for an individual health insurance policy he or she can be denied from getting the policy but this is not possible in case of group health insurance policy because they are not supposed to discriminate the employees of the same company or the individuals who had previous health issues or risks.

The individual insurance is quiet flexible but group health insurance policy has to be accepted in the way it has been provided by the employer

Co-payments Make Health More Secure
The reason behind why co-payments have been made mandatory:

As nowadays each and every individual is working, so there are number of people who posses and health insurance plan which is an individual health insurance plan but the large portion of its premium is paid by the employer. But even after this the employees have to pay the number co-payments associated with their health insurance plan and also they have to make frequent visits to the doctor in order to get the health checkup done. The co-payment is the little amount of money which comes out from the pocket of the employee in order to get the benefits in case of any ill health situation. This is taken from the employees in order to provide them the expenses in case of any health issue. This option for the health insurance coverage is very well known amongst the people. And because of these co-payments people have become too lazy now they visit to the doctor for any minor health issue which they would have sorted out at home on their own. In today's competitive market theses co-payments really help the insurance companies to reduce the amount of the premiums which they take from an individual on monthly or quarterly or annul basis.

It's really very good to apply for medical care for an individual who is above sixty five in age:

If anyone is above sixty five and faces little dissability, then in order to cut down all the medical expenditure to great extent its really very good to get a medical care policy done. But one of the most significant drawbacks of the medical care policy is that it does not include the expense of medicines which you require during your old age. This expense includes the cost or expenditure of the nursing home as well. But its really very good to never lose hope whatever be the situation. There are number of other policies and ways which can really help you in getting your prescriptions paid. So try to look for them.
One should also apply for the HCSA (Health Care Savings Account) in order to get the full advantage:

Unfortunately if you have to visit doctor again and again then it's good to sign up for an account for the health care savings account. This way you can reduce your medical bills up to great extent.

Good Things about Compare Life Insurance Policies
If it's a retirement benefit plan, a mortgage protection, a child life insurance or any sound life insurance policy to secure your future finances, you know you cannot go without comparing the insurance quotes. Even if you do, you are never sure if it's the best purchase! To compare life insurance quotes you don't need to break banks, free online quotes and ‘can I help you' free service from reputed insurance vendors get you closer to the rightly-priced and custom-designed deals, at prevailing market rates. First, make sure why you need the coverage at all.

A) Do Background Checks on the Insurers

Credibility checking on the insurers is a must to make sure the policy you are going to purchase is a risk-free and authentic one. You can compare life insurance policies to know who are the most popular and sought-after players in the insurance market. Though there's a standard way of measuring credit ratings like doing the credit scales ranging from A++ to F, the actual credibility evaluations will somewhat depend on the rating company itself!

B) Your Insurance Policy Depends on Your Unique Requirements

No matter how exhaustive the list looks at the first blush, compare life insurance options always put you at the vantage points. They match your unique requirements with that of the policies available in the markets. There are ways you can choose to have life cover paid, in the form of assured, increasing or decreasing lump sum, increasing or decreasing monthly incomes. Before you get down comparing quotes take age, sex, death, premium rates, risk factors, physical health condition into the broader picture. You will also need to do the monthly expenses figures like that of mortgages, credit cards, rent payments, car loans, education expenses etc. It would be wise to check if there is any additional fee for you to pay apart from premiums.

C) Ways to Receive Insurance Payments

Your insurance payments can be made in various ways. Compare life insurance helps you build better knowledge on the delivery of payments and how the insurers would pay to your estate or to a trust, in your absence. In case of trusts, your partner or business partner can receive the payments.

D) Don't Get Lured by Low-Premium Policies

Life insurance decision invariably requires the disbursement of premiums. In case you are hooked to the concept of best policy with least premiums, compare life insurance policies will help you with that. When you compare life insurance quotes it helps you minimize the error before deciding on any counterfeit policy. For a newbie, it's always desirable to go with the monthly premiums. You can always promote the policy and add more benefits in near future.

Life insurance purchases give you the mental peace thinking of the secured future of your family. You can select the right policy at the best bet if you compare life insurance quotes discreetly. When you have authentic quotes and professional guidance of the venerable insurance agents with you, you know there is little to worry!

It's Easy to Find the Cheap Health Insurance in California
Nowadays the health insurance plans of California are in minds of most of the people. If you are getting confused regarding what is going to happen with your health care insurance policy with lots of political manipulation, promises which are made by these political leaders regarding the reforms for the health care policies, and the message of the president to the citizens and press conference for every event then don't think that you are alone. Almost every citizen is in great confusion these days regarding the future of the health care policies.

Since in most of the countries the health insurance have been made mandatory for each and every individual so it has become of the most common topics of the conversation amongst the people at lunch or tea break, even the people sitting in the coffee shops are usually heard talking about these health insurance plans, and sometimes even on the dinner table at your home. And most of the people probably want to know the facts regarding the health care policies, without any hype, promises or any speculation. So it's good you have chosen the right article in this piece of writing we will provide you with the ins and outs of the health insurance policies which are sold in market by number of companies at various prices. This piece of writing will also help you to know how to find a cheap and best insurance policy for you and your family.

The health insurance policies in California are quiet affordable and expensive too. Finding out one of the best and cheapest insurance plan for you and your family in California is not at all impossible but for that you have to carry out little work or make little efforts. Paying attention to the details mentioned in the health insurance quotes is really very essential, and finding out the best health insurance quote of California is much more paramount. And this search for the cheapest insurance plan get over if you carry out a little internet search because there are number of websites which offer free health insurance quotes on internet.
There are number of companies who do not release their quotes for health insurance on internet so for those quotes you can visit the company's headquarters or office or control center and get the quotes. The comparison of quotes can make you get the cheapest insurance quotes.

It's Good to Have an Health Insurance if You Visit Doctor Frequently

If you are one of those who listen to evening news everyday then you might be thinking that getting health insurance policy is one of the cheapest tasks nowadays. But this is possible if and only if you know what you have to do in order to get a cheap health insurance policy and from where to buy health insurance policy from. You will see that the prices of all the health insurance policies are not at all outrageous as most of the people like you think usually.

In the older era every individual who used to job in a company has an insurance policy for himself or herself, which was usually provided by their employer. Now there are number of people in United States of America who do not have any health insurance policy for themselves even if they are working in a good company, and if they some how try to buy it from their company it is really very expensive. The only way by which one can get an insurance policy from the employer is through the group insurance policy which is provided by the company itself.

If your company is not providing any health insurance policy to you then it really does not means that you cannot afford the prices of the health insurance policies offered by the number of companies present in the market nowadays. Whether you are seeking for the insurance plans for yourself or for your entire family then there are number of resources available on internet which will allow you to find out the cheap and best insurance plan which will completely fit in your budget. But the health insurance plan will be granted to you and your entire family depending upon the current health status of each and every member of the family. Also the pre existing conditions will also be considered.

If you are the one who visits frequently to the doctor for the minor issues then you have to pay a little amount more for the policy which has very less deductibles, but if you can going to the doctor frequently at any cost, then you can avail great discounts on the health insurance policies which have higher deductibles. In both the cases which have been mentioned above you will be covered for the most serious issues which can raise their head in future but you wont be covered for the pre existing conditions.

Cancer, strokes- a critical illness can happen at any time. Critical illness protection is designed to help financially when you need it the most. Finding the best coverage now can dramatically affect your financial stability later on. What can you do to make sure you get the best and most affordable coverage?

What is Critical Illness Protection?

A critical illness protection policy is an insurance policy to protect yourself and your loved ones should you get a critical illness. Having a stroke or being diagnosed with cancer can happen at any time, but if you are protected, the insurance company will provide you with a lump sum payment if you suffer from a covered illness. The lump sum payment can be used towards private nursing, personal medical equipment, debt re-payment, and also loss of income. If you purchase critical illness insurance, for a specified period of time, your premium remains the same for the extent of your CI insurance.

Critical Illness Protection: Insurance You Can Rely On
Critical Illness Protection Policies

Policies with insurance companies regarding critical illness protection do very from provider to provider. However, these insurance policies can often be customized specifically to your needs and concerns. Some illnesses may not be covered out of the box, although typical covered conditions are: cancer, heart attacks, strokes, blindness, Alzheimer's, multiple sclerosis, organ transplants, kidney failure, and paralysis.

Finding Critical Illness Protection Coverage

When discussing insurance options with your broker, prepare a short list of questions before arriving. Finding a knowledgeable broker with experience dealing with the type of insurance you need can help you in the long run, so remember to take your time when finding the most appropriate broker for your needs.

Health insurance
like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit basis for the members of the pool, though in some countries health insurance pools may also be managed by for-profit companies. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by an individual. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government.

By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.