Articles About Insurance 3

Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen.  As is the case with home buildings insurance, the main factors contributing to grounds under which you can make a claim against your home contents insurance include theft/burglary, damage due to floods, burst water pipes or boilers, etc.

There are, however, two very important factors that you need to keep in mind when insuring the contents of your home:

First, in the case of home contents insurance, it is rarely the case that your mortgage provider is going to insist that you have this type of insurance as part of your mortgage agreement; 

Second, regardless of whether you own or rent the property you are currently living in, you should still be looking to insure the contents of your home – as these are your personal possessions.  

Two further aspects of home contents insurance also need to be considered carefully when you are checking out the different kinds of policies on offer.  In some, but not all, cases you can be insured for your home contents even when the items listed in your home contents insurance policy are not actually physically located on the home ‘property’.  So, for example,

First, it is possible to claim when you are transporting items from one place to another and they are stolen.  

Second, home contents insurance is insurance against the replacement cost of the item being insured. 

It does not, nor is it intended to, insure you against the nostalgic value of the item damaged/lost.  So, for example, if you insure a picture your deceased grandmother gave you, which would cost £20 to replace, it makes little difference that it was your deceased grandmother who gave it to you and that it cannot, therefore, be replaced. 

Although home contents insurance is, in all but a few very rare circumstances, a completely voluntary scheme of insurance to subscribe to, if you are in any doubt as to the value of this insurance scheme, take a quick mental inventory of the contents on your home and their value and then get a few quotes off the internet and you’ll soon be seeing the value of having your home contents properly insured.(red)

Whether you’re buying clothing or shopping for car insurance, you always want to get the best value for your money. So, what’s the secret to finding reliable, affordable car insurance?

Shop around for the best deal. Get several car insurance quotes from different insurance companies before you buy or renew your policy. Insurance companies vary, so you could get a better deal somewhere else.

Don’t be afraid to switch. You can switch insurance companies whenever you want, even if it’s in the middle of your car  insurance policy term. If you find a better rate, switch and save.

There are three types of Car Insurance: 

Third party, which covers your legal liability if you damage someone else’s physical property (walls, vehicles, gates etc.) due to a driving accident. 

Third party, Fire and Theft offers third party cover and adds on two useful pieces of cover - fire damage to and theft of your car, including damage caused by a theft or attempted theft. 

A fully comprehensive policy includes Third Party, Fire and Theft and in addition will pay for damage to your own vehicle in the event of an accident. There are many extras, too, for example it will also give you cover when you drive other people's cars - useful if you borrow someone's car and their insurance does not cover you. 

The following factors affect what you pay for your premiums. 

Your age, your job, your driving record. 

The car you drive. The higher the value of the vehicle, the higher the premium. High performance vehicles are also more expensive to insure than their stock standard equivalents. 

Then there's the location of the car. You'll pay more if you keep the car in a high-crime area or park it on the street at night. 

What you use the car for. You'll pay more if, for example, you plan to use the car for business delivery purposes. 

Then there is the excess structure that you choose. The higher the excess the lower the premiums. 

Gear Locks, Satellite Tracking - will help reduce your premiums 

If you are buying a new car ? Don't forget to shop around for Insurance!

For a first-time car buyer, the process can be a difficult decision. Many buyers are not aware of the fact that they need to have insurance before driving their new car off the showroom floor. The financial institutions providing the finance for the purchase will insist on this, in order to ensure that their new asset is protected.

Don't just accept the first offer that is given to you, get at least 3 quotes before making your decision. "Many banks or finance institutions are affiliated to an insurance company or brokerage firm. New buyers therefore may find themselves feeling pressurized to take insurance cover through the bank's preferred supplier. It is important to know that this cannot be enforced and the decision lies with the client. This makes it essential to shop around for competitive quotes, to ensure that you are offered the best deal - from the perspective of both cover and price. For young drivers, this becomes imperative, as they are often penalized for their age and lack of driving experience, translating into higher premiums and excesses."

Cash buyers are not exempt from the need to insure their new car. Thefts and hijackings are still a reality and the growing number of cars on the road puts all drivers at increased risk of being involved in an accident. Choosing an insurance product that is suitable in terms of budget, value adds, cover and excess payable is a careful decision that, with the right advice, can be made sensibly and safely.

 

Many young, first-time buyers find that purchasing insurance through a direct insurer is actually a simple process.

They are likely to receive a tailored insurance solution catering for their specific needs - with direct insurance, clients don't pay any additional charges for getting what they want. Any driver about to embark on purchasing a new vehicle would do well to consider the time- and cost-saving benefits of direct insurance."(red)

Dental insurance is taken to cover teeth problems. These include problems such as breaking teeth in an accidents or after having a fall. Dental insurance can be flexible and structured in order to meet the different dental needs of people.

Dental insurance normally covers the costs or two dental checkups a year. Simple procedures like cleaning and filling the teeth are also covered by these insurances. As a result of this, people with dental insurance get their teeth checked periodically and most of their dental problems like root canal operations, crown filling and dental bridgework are nipped in the bud. This is actually a clever business ploy adopted by dental insurance companies. By exhorting people to get their teeth checked companies save people from having to spend on expensive treatments in the future. 

Several companies provide free dental insurance for their employees. As the dental expenses of an average person in a whole lifetime are not too high, dental insurance premiums are also nominal. Such group dental insurances work in a slightly different manner. Employees of these companies are provided a list of dentists who are registered with the insurance company. They can approach them with their dental problems and get the appropriate insurance coverage. In certain areas, dental insurances are provided only for groups and not for individuals.

However, like any other insurance, dental insurance carries certain problems with it. There are forms to be filled out, and the whole process of claim letters, and paying premiums makes the process cumbersome to some. In group dental insurances, the claim letters and premium payments are handled by the employers. There may also be instances when the money claimed is not released or is released after a long time. Dental insurances have an upper limit per year. If this limit is exceeded, it will not be covered by the dental insurance company. This is a problem considering most dental insurances provide a limit of $1,000 per year; but a single root canal operation may cost $3,500.

Dental insurances are actually very cheap to purchase. A dental insurance for an entire family can amount up to $80 in annual premiums. Group insurance premiums are marginally cheaper.(red)

Yes, it is true – well, in most cases. Many lady drivers are able to get cheaper car insurance quotes than men drivers. Are men drivers cursed by their gender? Perhaps not. They just need to know the secrets of lady drivers.

Buy a safe vehicle. Safe vehicles get cheaper car insurance quotes than vehicles considered unsafe, and safety does not only include seatbelts, air bags, and child proof locks. A safe vehicle will also include anti-theft devices.

Buy a modest vehicle. Modest vehicles are less likely to be stolen, and vehicles that are less likely to be stolen are less like to be expensive to insure. You don’t have to buy a minivan to get a cheap car insurance quote, but buying a Jaguar isn’t going to work in your favor.

Be good to your vehicle. Being good to your vehicle means not putting your vehicle in situations where it can become damaged or stolen. Drive like you have some since – do not push its limits. Park your vehicle in a garage when it is not in use. If you do not have a garage, find out about renting garage space in your area – if you have one within walking distance, or installing a bright outdoor light near where your vehicle is parked.

Drive responsibly. Driving responsibly includes driving the speed limit, obeying road signs and traffic lights, and following the general “rules of the road” altogether. When you drive responsibly, you avoid traffic citations and car accidents, and when you do not have these kinds of blemishes on your driving record, car insurance companies see you as a responsible driver. Your efforts do not go unnoticed. Responsible drivers with clean driving records get cheaper car insurance quotes.

Grow up. Alright, maybe “grow up” would be better phrased “grow older.” The older and more experienced a driver gets, the lower the car insurance quotes and rates become – regardless of gender.(red)

Lack of health insurance coverage for over 41 million Americans is one of the nation’s most pressing problems. While most elderly Americans have coverage through Medicare and nearly two-thirds of non-elderly Americans receive health coverage through employer-sponsored plans, many workers and their families remain uninsured because their employer does not offer coverage or they cannot afford the cost of coverage. 

Medicaid and the State Children’s Health Insurance Program (SCHIP) or HAWK-I here in Iowa help fill in the gaps for low-income children and some of their parents, but the reach of these programs is limited. As a result, millions of Americans without health insurance face adverse health consequences because of delayed or foregone health care and extending coverage to the uninsured has become a national priority.

The number of people that are forced to go without health insurance is nothing less than a crisis in this country today. We have fallen into a vicious cycle over the last few decades in which health insurance premiums have become too expensive for even a middle class family to afford. This in turn results in the inability of the uninsured to cover medical costs which often times results in the financial ruins of the family, and in turn results in the continuing loss of income by the medical community, which in turn drives the cost of medical expenses higher, finally cycling back to the insurance company which then must drive the premiums of health insurance higher to help cover the rising cost of health care.

Many proposals have been tossed around by politicians on both sides of the isle ranging from socializing health care comparable to the Canadian system, to endorsing health savings accounts and cracking down on frivolous law suits against the medical community. Many of these proposals have good points, but along with whatever good points they bring they also bring major downfalls. For instance; a socialized national health care program would eliminate the need for health insurance all together and the cost would be taken on by taxes, which in theory doesn't seem like a bad idea. 

However, the downfalls to this system include a deficit in new doctors willing to get into the field due to the inevitable decline in income while the demand would grow due to no personal responsibility. In short if people didn't have to worry about deductibles or copays that would normally keep the person from seeking medical treatment for minor things, they would simply go to the doctor every time they had an ache or pain. So now we have waiting lines for people with major health problems since everyone is scheduling an appointment while at the same time we are loosing doctors due to lack of incentive.

The current battle cry by the republican Bush administration is to push HSA's (Health Savings Accounts) which reduce premium by taking a less expensive high deductible health insurance plan with a tax deferred savings account that earns a small interest on the side that you contribute to along with your premiums each month. Any money withdrawn from the savings account for qualified medical expenses are taken "tax-free", and unlike a flex spending account like many people are familiar with in employer based plans, you don't lose the money you put into the account that you don't use. 

Basically if you never used any of that money in the savings account you could withdrawal or roll it over into another vehicle once you turn 62 1/2 penalty free to be used for retirement. This is a viable option for some people, however for many the premiums for these plans are still too expensive, and the problem remains that if you need major treatment in the first few years of the policy you will not have a big enough amount in the savings account to help cover the gaps leaving that person responsible for a large portion of the cost out of pocket.

Now we come to what I believe is one of the biggest problems from a health insurance agent's point of view, which is the inability for persons with pre-existing health conditions to obtain coverage. From the number of people that contact my office searching for health insurance coverage, I would have to say that about half of them have a health condition that will either result in an insurance company declining that persons application, or result in an amendment rider which basically excludes coverage for any claims related to that condition. 

An example of a condition that I run across constantly is hypertension or high blood pressure. This condition will sometimes result in a company declining an application all together if other factors are involved, but most generally result in an amendment exclusion rider. You may think that this isn't that big of a deal, after all, blood pressure medicine is about the only thing they would have to pay for out of pocket, but what many people don't realize is that this rider will exclude ANYTHING that could be considered part of this condition including heart attacks, strokes, and aneurisms which would all result in a huge out of pocket claim. 

Consider the fact that my father had a double by-pass surgery recently that ended up with a final bill of around $150,000. This whole amount would have had to come out of pocket had he had a hypertension rider on his health insurance policy, not to mention the added cost of 2 months off of work thrown into the mix. On a modest income of $40,000 per year this would have ruined him financially.

So what how do we fix this problem? Obviously the proposals thus far have been flawed from the beginning, and even if one of these plans gained support from the American people chances are it would never be passed into law simply due to political infighting. One side wants to keep health care privatized while the other wants to socialize it, which as we discussed before both have upsides and downsides. It seems that we are doomed on this issue and there is no real ideas or light at the of the tunnel right? Maybe not, let me tell you about a client I had in my office a couple of years ago.

A young woman came in wanting to compare health insurance plans to see if there were any options for her and her family. She had several children and had been on Title 19 Medicaid and had been going to college paid by the state. She had recently graduated from college and had gotten a job with the local school system, however for whatever reason she was not eligible for health insurance benefits. Obviously she still couldn't afford 5 or 6 hundred dollars per month for a plan so she went back to the aid office and explained her situation. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn't even know was possible!

This got me thinking, consider how many more people would be able to obtain coverage if they could be reimbursed by the government a percentage of the premium according to their income. For example; take a young married couple in their 20's with one child, let's say that their family income is $25,000 and that the average premium for a $500 deductible health insurance plan for them is $450. Just as an example let's say that the government determined that a three person family with an annual income of $25,000 is reimbursed 50% of their premium taking the actual cost to the family to $225 per month. This is now an affordable enough premium for the family to consider.

With this merging of private insurance with government assistance we get the best of both worlds. Of course the next question goes to cost, how much more would this cost the American tax payer and how much would this raise taxes? I don't think that it would cost the tax payers much more an here's why I think that: First off we would bring down significantly the amount of uninsured people that are unable to pay for the medical care they get in turn driving down the total cost of health care. 

Secondly the number of people that are forced into bankruptcy and driven to Medicaid Title 19 assistance due to medical bills stemming from catastrophic medical conditions that don't have health insurance coverage would be significantly reduced. This is important to keep in mind considering that once someone is on Medicaid they are receiving health care basically 100% covered by the government so there is no more incentive to not seek treatment for minor or non-existing conditions. 

On the flip side many conditions that would have not been caught before they became severe because a person didn't seek treatment due to not having insurance coverage would now be caught before they turned into a catastrophic claim. Finally, if the government allocated a certain amount of money to help cover claims by people that have pre-existing conditions the private insurance companies could do away with exclusions and declines due to already existing health problems, this is already done is some states such as the HIPIOWA Iowa Comprehensive Plans which insures Iowa residents that can not obtain coverage elsewhere.

You may be sitting there thinking that this is all just wishful thinking and that these ideas could never be implemented, but all of these ideas are already being implemented. The problem is that only some states do some programs and not even most health insurance agents know that some low income families can get reimbursed for health insurance premiums. If these programs were all standardized and put into effect on a national well publicized level I believe it would put one hell of a dent in the uninsured population in this country. 

Now I don't pretend to know what the reimbursement levels should be for what income levels but I do know that anything is better than nothing, and in my opinion this is the best middle ground we could find. The Democrats would be happy with the socialized aspect of the reimbursement, and the republicans should be happy that health care remains privatized giving this solution a better chance at a by-partisan backing.

I have faxed this idea to several senators and congressmen but always received the same type of standard response about how they are concerned with health care and that they are working hard to find a solution knowing full well that no one really even read my letters. The only way to get these ideas out into the public is for you that read this to pass it on to others by word of mouth, by email, or by linking your websites to this webpage. 

If enough buzz is created than these ideas would get the consideration that they deserve, and if enough people like you and I demanded that a solution be found than perhaps enough stress can be placed on the politicians to get something done. The number of uninsured Americans is only going to go up, the cost of health care is only going to go up, and the cost of health insurance premiums are only going to go up if something isn't done now! Until then the only thing that I as a health insurance agent can do is to compare all of the options out there and present you with the lesser of all of the evils, which in too many cases the option that is chosen is the biggest evil of going without coverage.(red)

Payment protection insurance is offered by all of the major high street banks and lenders these days, largely because they noticed that it was a highly profitable product that few people ever claimed on. Of course, their deceitful sales techniques, as reported by a large number of consumers since 2005, helped to make payment protection insurance this way. But the resultant investigations into the payment protection insurance industry by the Financial Services Authority, the Office of Fair Trading and the referral to the Competition Commission can only serve to make it fairer for all consumers.

Since payment protection insurance was thrust into the spotlight, more independent providers are evident and numerous insurance companies have expanded their product range to incorporate payment protection insurance. They have all recognised payment protection insurance for what it is – an extremely valuable product that can help to protect consumers from getting into major financial difficulties should they have a source of income stopped as a result of illness, injury or unemployment.

As a result, consumers have more choice than ever. Despite bad reports, payment protection insurance still has over 14 millions policies in force today, and the majority of them are with high street banks and lenders in conjunction with a loan or credit card. However, standalone providers can offer cover for all debts held by an individual, even if they are spread over a range of credit cards and loans.

High street banks have come under fire as a result of the payment protection insurance scandal, but standalone providers have remained largely untouched. That is not to say that a standalone policy may suit you better, but the payment protection insurance policies that they offer are certainly worth looking into. The more scope you give yourself during the hunt for the perfect policy, the more chance you stand of getting the best product for you.(red)

Your employer just gave you a huge bundle of medical insurance information. Before you let out a small moan and hurl the book to the furthest corner of your desk, it might be a good idea to look it over and see if you understand it fully. Keep in mind that this medical insurance someday just might help save your life.

There are a few medical insurance terms that can cause confusion, so here are some tips to help define and clarify some of the most common terms that you'll come across in a normal health insurance manual. Use this as a brief reference point, but be sure to refer to your manual for further details.

Term # 1: Health Maintenance Organization (HMO)

Health Maintenance Organizations or HMOs are a form of popular group medical insurance. In this design, a group of doctors, nurses, pharmacies, and other medical professionals are hired by the medical insurance company to provide health care to the people that are covered by the plan. Usually the insured people must pick out a primary care physician who coordinates all their care. An advantage of this system is that it keeps cost regular and relatively low. However, there is little room for flexibility.

Term # 2: Preferred Provider Organization (PPO)

This type of medical insurance is somewhat similar to the HMO, but does have a few marked differences. In this case, instead of the medical professionals being hired by the insurance company, the company enters into contracts with the doctors and other professionals to offer their services to the people insured either at a reduced rate, or as a part of a co-pay/co-insurance plan.

Term # 3: Medical Deductible

This is perhaps one of the most baffling medical insurance terms out there. It causes a lot of confusion because a lot of people just assume that the co-pay that they give their doctors is all they need to worry about. In fact, the medical insurance deductible acts like the deductible on your car insurance. In this case, you have to spend a certain amount of money before your medical insurance will start paying fully for your medical needs.

These are a few of the medical insurance terms that you probably will come across while looking into the possible choices. Make sure you understand the assorted terms and conditions of your specific medical insurance plan, and ask questions if you have any doubts.(red)

It's important to look at a carrier's policies and restrictions regarding pre-existing conditions, waiting periods and exclusions as they can differ from company to company. This is just an overview in layman's terms.

First...what is a pre-existing condition. The official definition reads as follows:

Pre-existing Condition

Any illness or health condition for which you have received medical advice or treatment during the six months prior to obtaining health insurance. Group healthcare policies cover pre-existing conditions after you have been insured for six months, and individual policies cover pre-existing conditions after you have been insured for one year. Reference CIC Section 10198.7. Creditable coverage must be counted towards any pre-existing condition exclusion in either an individual or group policy.

Essentially, it is a medical condition, illness, or injury for which you just had treatment, are undergoing treatment, or have had treatment in the past. The context in which an insurance company will look at pre-existing conditions strongly depends on the type of insurance.

Individual and Family California health insurance.

This type of coverage is medically underwritten which means that you need to qualify based on health. Pre-existing conditions have the most impact here and it affects coverage in two ways.

First, you must qualify for coverage based on health so a carrier can increase your rates or decline/defer coverage altogether based on your pre-existing conditions. They typically have underwriting guidelines specifying how they may look at particular issues. Ultimately, the underwriter (person who decides to approve or decline health coverage) makes the final decision based on information found in the health application or medical records (if requested).

For some issues, the health insurance carrier may want a certain amount of time away from a give situation before offering coverage. A general rule of thumb is 6 months to one year for a more simple situation (simple broken bone, infection, etc). Some issues are deemed uninsurable for which they will not offer coverage ever.

If you are unable to qualify for individual - family health insurance in California, you can find options for the uninsured through the State such as MRMIP.

The second way pre-existing conditions can affect coverage for Individual Family California health insurance is after approval. If approved for coverage, there can be a waiting period for treatment (payment of) pre-existing conditions of up to 6 months if you did not have prior coverage or lapsed coverage for more than 62 days. Essentially, they will take into account time on a prior qualified plan (may be individual, small group, short term) towards a six month waiting period for pre-existing conditions.

Tier increase with Individual and Family coverage.

If a carrier does not decline coverage based on pre-existing conditions, they can increase rates. Tier 1 is the best rate and you can find this rate when you quote individual California health insurance. Tier 2 is typically 25% higher than this standard rate. Tier 3 is typically 50% higher and Tier 4 is typically 100% higher. Some carriers apply different increases. For example, Blue Shield of California has a Tier 5 which is much higher. 

This tier increase is not locked in stone and you may be able to have it removed or lowered in the future once time has passed from a given situation (assuming you are in otherwise, good health). We recommend submitting the required change of coverage form every 3-4 months until this tier increase can be increased.

California Small group health insurance and Pre-existing conditions.

Pre-existing conditions are treated differently for Small Group in some important ways. HMO's are typically not subject to waiting periods for pre-existing conditions. Maternity in California is typically not subject to waiting periods for either HMO or PPO plans. Otherwise, the six month waiting period is the same as individual plans. Always submit all claims through the carrier regardless and let them make the decision on waiting periods.

Small Groups do not have tiers but by law, a carrier can go up or down 10% from the standard (Request Small Group California quote at www.calhealth.net) rate based on the health of the group. This is called the RAF (Risk Adjustment Factor). A 1.0 RAF is the standard rate. 1.1 would be 10% higher and .90 would be 10% lower. The larger your group, the more likely you will have a lower RAF. Some carriers automatically give small groups the extra 10% increase as there are fewer people to spread the risk among.

Exclusions of certain conditions

California law prevents carriers from excluding conditions a specific applicant may have (if a covered benefit) upon approval as other states allow. This is a mixed blessing. On one hand, a new enrollee does not need to worry about a condition re-occuring and having coverage declined during a period of time. 

The downside is that a person might be unable to qualify for coverage altogether which defeats the purpose of banning exclusions to begin with...The law of unintended consequences. Keep in mind that this exclusion is only dealing with a specific person's pre-existing condition. Some plans will exclude certain coverages (i.e. maternity, brand name drugs) by design. A plan's summary and explanation of benefits will list their standard exclusions.

It's important to look at a carrier's policies and restrictions regarding pre-existing conditions, waiting periods and exclusions as they can differ from company to company.(red)

UK loan protection insurance has been in existence for many years but has never been as popular as it is today. This could be for many reasons, but only one of them actually matters. A higher percentage of individuals are in debt today than the figure associated with times gone by. The consumer culture that we all live in encourages individuals to spend, and the availability of credit has simply contributed to that. These two features of society combined have led to a massive rise in demand for UK loan protection insurance.

Whilst the existence of UK loan protection insurance is great for consumers in many ways, the desperate need for it is not. People should be choosing to have UK loan protection insurance because they want peace of mind, and not because they are so scared that they will find themselves in severe financial difficulties should their source of income be cut off.

UK loan protection insurance protects an individual’s loan repayments should he or she fall ill or have an accident and be unable to work, or in the event that he or she lost the job that would have enabled them to pay the debt off in the first place. It is also designed to pay out for up to twelve to twenty-four months, after an initial qualifying period has lapsed. This is absolutely necessary for individuals in debt, especially those already struggling to pay off debts whilst in full time employment!

The premiums associated with UK loan protection insurance vary, depending on the level of the loan, the interest rate of the product that you took out and personal circumstances. Some financial institutions ask for monthly premiums, others annual ones, and then there are those that add the total cots of the UK loan protection insurance to the loan itself. These are all factors and elements that you have to weigh up before taking out the insurance. If that sounds a little confusing then wait until you read the terms and conditions – make sure that you fully understand them before signing on the dotted line.(red)

Home, as they say, is where the heart is. There is no better feeling than moving into your first home, decorating it how you want and having the freedom to do as you please. However, that all has to be done on a budget, and one that does not extend to having UK mortgage insurance as well! The expense is usually just enough to tip a new household’s financial balance over the edge, if the household in question is of course on a budget to begin with!

Just imagine how you would feel if that house that you put your heart and soul into was suddenly pulled out from underneath you because you could not afford to keep up with the mortgage repayments. You could lose your home simply because you developed an illness and was unable to work, or your employer went out of business and was forced to make you redundant. With no protection, there is nothing you could do to stop this from happening. However, UK mortgage insurance can provide you with a degree of protection and the equivalent of up to twelve to twenty-four months mortgage repayments if this situation was to arise.

There are a number of different providers that offer UK mortgage insurance and all of them have slightly different products so there is bound to be one out there to suit you. It may take time to research them all but your efforts would be worth it in the end.

We all like to think that there is nothing in the near or distant future that could possibly upset the balance of our lives and endanger our homes, but the threat is very real and an individual could stand to lose everything. UK mortgage insurance can really help to get an individual through tough times and allow you to keep your biggest investment, so do not waste the opportunity!(red)

Travel insurance protects holiday expenses against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss or damage of property and transit delays. 

Many millions of travellers and holiday makers purchase some form of insurance every year, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection, and get reimbursed fairly.

There are four main categories of travel insurance:

1. Health and Medical reasons

Emergency evacuation: This garuantees emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the traveller’s home town. If family members are covered on the same policy they can travel back home also.

Medical reasons: This reimburses emergency medical and dental costs. Nearly all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 – 10 working days. Pre-existing medical conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.

2. Delays and cancellation or curtailment

Cancellation: Re-imbursement comes into effect if travellers have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, transport strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding. 

Delay: This reimburses travellers for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.

Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), terrorism, weather, airline strikes, bankruptcy, sudden unemployment, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed. 

3. Death:

Accidental death – covers death or dismemberment at any time of your trip. Usually garuantees the lowest amount of coverage due to a higher risk.

Air Flight accident – this covers death or dismemberment during an air flight only. Usually garuantees the highest amount of coverage due to fairly low likelihood of this occurring.

Common carrier – Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.

4. Loss or damage of property: 

Baggage loss – reimburses travellers for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for – such as precious jewellery, laptops and sporting goods

Hire Car damage – This reimburses travellers for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.

Assistance services – garuantees a 24-hour collect telephone advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you keep a copy of this number in several places in your luggage or on your person when you move around.(red)

Advice For Purchasing Renters Insurance

The best advice regarding renters insurance is purchase it. When we rent an apartment, a condo, a house, or a mobile home, we sometimes feel a bit too secure in knowing the property isn’t ours. We don’t own it; therefore, whatever happens to it, outside of the damage we may cause the property ourselves, is not our responsibility.

If the plumbing is faulty, the landlord will clean up the small lake in the kitchen and replace the pipes, right? If a storm hurls a tree through the living room window, the landlord will sweep up the broken glass and replace the window, right? If faulty wiring sparks a fire and burns the building to the ground, the landlord will just build again, right?

While it is the responsibility of the landlord and/or owner of the property to fix these damages not caused by you, it is not his or her responsibility to replace or repair your damaged or lost possessions along the way. So, who’s going to replace your kitchen table when it becomes water logged, your television set once a tree rams through it, and everything else you own when the building burns down?

Your renters insurance company; that is, if you have a renters insurance policy.

A renters insurance policy is like a homeowners insurance policy in that your possessions are protected against accidents such as fire and water damage, as well as theft. When purchasing a renters insurance policy, you should follow the same advice as purchasing a homeowners insurance policy: take inventory of your possessions, decide how high or low you want your deductible to be to get the premium you can afford, and look into a “floater” policy if certain valuables aren’t covered under the renters insurance policy.

Don’t be swept away by the false security of not owning the property in which you live; remember, you do own the property you moved in with!(red)

The AARP insurance is a long-term policy that rises above common coverage of Medicare. These plans help you to discover solutions to care for your loved ones. AARP insurance covers anyone over the age 50. These policies will provide you with benefits, such as membership. Membership benefits often mean that you only pay less than $100 annually. Your spouse may also benefit from these insurance plans.

These long-term insurance plans often give you benefits and discounts. The policyholder sometimes has access to homeowner coverage, health coverage, and auto coverage. In addition, the policyholder may receive services from online, such as music, travel, grocery savings, computer savings and other benefits.

AARP supplies the policyholder with advocacies. The advocacies are often in Washington, which these people will represent you. The representation will cover purchased safety, Medicare issues and social security issues.

This long-term insurance provides you with advocacies that give you advice on living healthier. You receive plans for financing, protection over purchase, living healthier advice and tips for parents in taking care of their loved ones.

Because cost increases occur annually, especially in nursing home care Medicare will only provide minimal care to the patient. The patient must pay the remaining balance of his or her care from his social security benefits. AARP insurance steps in to battle this problem.

The long-term care insurance protects the policyholder's investments as well as their savings. This policy will preserve your freedom. Unlike common Medicare, this plan enables you to opt for any nursing home you choose. In other words, Medicare recipients only qualify for selected nursing homes as required by the providers.

You have a broader option in AARP insurance. This long-term plan covers payments or expenses of your healthcare that you receive at home, in spite of who you have as a caregiver. This plan will also cover nursing home expenses, adult care, or any facilities that provide care for elderly.

You have other benefits with the long-term insurance policy. You can opt for flex plans that will accommodate your needs. If you are on a strict budget, AARP insurance providers will find a plan and coverage to fit your needs.

Common Medicare does not cover extensive needs in healthcare for the older generation. This is a huge problem, since many elderly people are not getting the health care they need. Too many people die earlier because of this problem.

If you are searching for healthcare coverage then AARP is the route you may want to take. Rather than worrying over your aged parent, you can rest knowing that your loved one is getting the care that they need.(red)

Even among experienced insurance personnel I find confusion reigns on the definition and application of the two types of Liability Limits. I see agents warning buyers to Beware of Split Limits, as if we might need to wash our hands after purchase.

I see agents warning buyers to Beware of Split Limits, as if we might need to wash our hands after purchase.

In reality, this fear tactic is unfounded, as either CSL or Split Limits may or may not be the best choice, because it all depends on the actual amount of the limits, not simply how they are applied in a covered loss.

Combined Single Limits i.e. CSL Limits of $50,000 or $100,000 apply to either Bodily Injury OR Property Damage. In other words, the maximum the insurance company will pay for covered damages that have been deemed to have been caused by you, (your fault) is $50,000 or $100,000. The loss can be all Bodily Injury or all Property Damage or any combination of the two, but the maximum amount covered is $50,000 or $100,000 depending on the amount of coverage you decide to purchase.

Split Limits such as $100,000 bodily injury per person/$300,000 bodily injury per accident/$100,000 property damage means that the insurance company is obligated to pay up to $300,000 in bodily injury claims depending on how many persons are injured & the extent of their injuries AND up to $100,000 in property damage claims.

So insider fans, hypothetically, which would you rather have,

A. $50k CSL or B. Split Limits of $50k per person/$50k per accident/$50k Property Damage? My preference at the bottom

TIP: We recommend a minimum limit of $50,000 Property Damage in case you knock heads with someone else's brand new SUV.

My Preference: B because I would have $50K BI AND $50K PD, a maximum of $100,000 protecting against loss versus $50k to protect against all potential loss in example A.

If you are confused or unsure in any way about about how much exposure you are willing to assume, consult your personal financial or legal advisor. The information above is meant to be used for general educational purposes only.(red)

If you have never heard of AARP dental insurance then now is your chance to learn about the best dental insurance available to you today.  AARP dental coverage is one that offers their clients many great advantages and benefits.  This company has been in the health care business for many years and has perfected how to please their clients and get them the best coverage possible. 

With AARP dental, you are able to keep the dentist that you already have!  There are not many insurance policies that allow you to keep your own dentist.  This is very important for many people, once you have found a good dentist nobody wants to change.  This is their number one benefit. 

AARP also provides you with great emergency care and saves you money from your own pocket.  The ARRP premiums are guaranteed for two full years!  This means that your coverage will not change at all within these two years.  This is something that many people are searching for, you have found it with AARP dental coverage. 

When you are looking for dental insurance, you are looking for stability, to keep your own dentist, great coverage, and benefits to suit your dental needs.  AARP has all of this for you.  You do not have to look any further for the perfect dental insurance for you and your family.  With AARP, the benefits you receive are benefits that you need.  Unlike other insurance companies which provide you with benefits that you will never use.  AARP knows what you need and provides it for you with 100% satisfaction.

This dental insurance plan is easy to sign up for and even easier to get started with!  Check it out today and find out all the great benefits that you have been missing with your other dental insurance plans.(red)

Your home contents insurance could really come in handy if you suffer from an accident in your home which causes you to damage your possessions.

While all policies don’t provide the same type of cover, and the cover depends on how much you pay for your premium and also the type of cover you take, some items in your home can be covered for accidental damage.

If you have buildings insurance then your policy will probably cover you to some extent against accidental damage to windows and pipes through which an accident causes them to burst, or sanitary ware. 

The same can be said for home contents insurance. Should you accidentally burst a pipe and water damages your possessions, then to an extent you could be covered for the damage. In some cases the contents of your freezer will be covered should this be damaged due to an accident or the contents damaged due even a long power cut. 

Accidental damage that occurs to TV screens, computer screens and similar items could also be covered by your policy.

However not all policies allow and will pay out for accidental damage, so it is important that you understand what is and is not covered by the policy. This is also an important factor to take into account when comparing premiums and you should do so on a like-for-like basis. Premiums vary a lot so do look into what is actually covered in the policy. Some times prices will vary from company to company for the same cover, but then it can also be due to the fact that a certain policy does include more accidental damage than the other.

If your policy doesn’t include accidental cover or is very limited then it could be well worth thinking about taking out extra accidental damage cover. The truth is that no one knows when an accident will occur and sometimes accidents can be very costly. Shop around online for the policy that gives you the best amount of accidental cover while still being reasonable in premiums. 

Always read the small print of a policy and never take for granted that something will be covered for accidental damage. However, should the worst come to the worst and you do suffer an accident, then it could be worth getting in touch with your insurer to see if you are covered.(red)

About Employment Insurance

It has often been said that bad things can happen to you even without your cooperation. That can also be said about jobs and careers. Shortage of available work, mass lay-off and retrenchments, reorganizations and mergers, in today fast pace anything can happen. When it comes, the experience can be devastating for many, made worse when savings are not enough, debts are high and payments are in arrears.

Being prepared is always the best way to cushion the effects of loosing income. Having insurance employment makes you continue to enjoy the benefits of income. Employment insurance can aid you on receiving maternity, sickness compassionate care services, provide support for a member of the family who is ill, caring for an infant, even fishing benefits and many more.

To apply for an employment insurance all you have to do is submit an application online. Employment insurance is paid even when the applicant will receive money when unemployed.

When applying for an employment insurance a "Record of Employment" will be required from you that you will have to get from your last employer or a proof of employment like pay slips, pay stubs and certification. 

Other documents that you will need when you apply for an Insurance Employment will include:

Social insurance Number. If your SIN number starts with a 9, that means that you are an immigrant and will need to also supply your immigration status and work permit. You will have to supply a record of employment covering the past 52 weeks When claiming for medical and sickness benefit, a medical certificate will have to be furnished. When applying in person, prepare your driver’s license, passport or a birth certificate. Furnish also complete bank information. 

Checks or voided checks from your current personal account will be required, as payments will be made direct to that account. When applying for parental benefits, the Social Insurance number of the other parent will be required.

If you are applying for compassionate care benefit, a medical certificate has to be supplied. You will also have to provide your version of the facts surrounding the cause of your unemployment. Together with this is a statement of the total salary before deductions, including commissions and other income benefits, the total amount that you will receive including severance pay, vacation pay, pension etc. 

Do not delay when applying for an employment insurance, delaying the application beyond four weeks can cause penalties or loss of benefits.

If you receive financial assistance form the social services while waiting to get the Insurance employment claims, you will have to reimburse the amount out of your employment insurance benefit.

If you are indisposed and can not apply for your employment insurance, an appointment representative can be assigned to do the application on your behalf, 

After you have applied for your employment insurance, you will receive in your mail a benefit statement including an access code and the date for your first report. Having an access code does not yet mean that your claim has already been decided on. Together with this will be an instruction on how to complete your report.

If you have filed your report with all the required information satisfied, you will start receiving your employment insurance benefits 28 days after the filing.(red)

Many renters don’t stop to think about what happens if there is a fire, someone breaks in and steals their new TV or stereo, or a visitor slips and falls on their property. The sad truth is; you will be responsible! While your landlord has

insurance that covers the actual building, that coverage does not include your personal property or liability for injuries which occur in the space you rent ~ be it an apartment or a house and yard. 

If a fire should destroy or damage your home, your landlord’s insurance will cover the structure. It won’t cover damage or loss of your belongings. Neither will it provide for the cost of temporary housing for you and your family.

You may think you don’t own enough personal property to make the cost of insurance worthwhile. You’re probably wrong! If you sit down and add up the cost of everything you own, you may be in for a big surprise. Consider what you have invested in such things as:

- Furniture and accessories

- Electronics like TV, stereo, computers

- Small appliances like microwaves, toaster ovens, etc.

- Clothing

- Art work like paintings or prints

- Dishes, silverware and cookware

- Sporting equipment

- Books

- Jewelry

Could you afford to replace all of these things? 

Even worse, what would you do if a friend is injured on your property and decides to sue you for medical costs and more? It’s a scary thought, isn’t it? 

Are you beginning to see why rental insurance may be a very wise investment?

The cost of rental insurance is based on several factors:

- The dollar amount of your coverage

- Deductibles

- Whether you choose to be reimbursed for Actual Cash Value or Replacement Costs (more about that in a minute)

- Where your rental property is located and the number of previous claims made, not only by you, but by others living in the same area. 

Let me explain the difference between Actual Cash Value (ACV) and Replacement Costs. ACV is the value of your property at the time a loss takes place. For example, if your television set is five years old, it’s valued at much less than if it were brand new. The lesser amount is what you are reimbursed. 

However, if you opt for Replacement Cost, you’re paid whatever it costs to go out and buy a new TV with similar features. Insuring for replacement cost raises the amount of your premium so it’s a good idea to get quotes for both ACV and Replacement Cost policies. Then you can decide which option fits your needs and budget. 

Another thing to keep in mind is that jewelry, valuable collections, and guns are usually covered under a separate policy or “rider”. If you own these kinds of items, be sure to tell your insurance agent. You don’t want to find out after disaster strikes that they aren’t covered or that they aren’t covered for their true value. 

One way you can reduce the cost of your rental insurance is to check with whichever company insures your car. If they provide rental insurance you may be eligible for a multi-line discount.

Rental insurance may be worth the investment just for the peace of mind it offers you.(red)

As the days grow shorter and summer becomes a memory, many of us will be turning our thoughts towards planning a winter vacation, especially one involving winter sports such as skiing. Travel insurance is an often overlooked part of holiday planning, but if you plan on taking part in sporting activites then it really is essential.

A normal travel insurance policy will probably not be up to the standard you need for winter sports, and if things go wrong you could be left facing a huge bill. So what features should you be looking for in a policy?

- Injury Cover

No matter how accomplished a skiier you are, hurtling down a mountain is always going to be more risky than simply lying on a beach working on a tan. And if you do have an accident, a mountainside isn't the easiest place for medical services to reach. If you're unlucky enough to need a mountain rescue or airlift to hospital, you'll be facing a bill running into the thousands even before you get medical attention. This sort of expense is likely to be specifically excluded on a standard insurance policy, but will be an integral part of almost any winter sports cover.

- Equipment

Most winter sports require expensive equipment, and where there are valuables there's always the chance of theft. Your insurance should provide enough cover to fully replace your equipment with brand new items if necessary, right there at the resort. Even if you plan to hire your equipment, the hire company will probably require insurance - and your own policy is likely to be cheaper than the standard one they'll try to sell you.

- Liability

Even the best skiiers or snowboarders can be involved in an accident in which someone else gets injured. Whether or not an accident is your fault, you could end up being taken to court and this is usually a long and expensive process. A decent insurance policy will cover costs from any legal proceedings and / or compensation payments.

- Closure of Piste

If bad weather (or warm weather!) means that the pistes are closed and you can't ski, your policy should pay you compensation to cover the costs of any pre-booked lessons or lift fees, and many will even include a payment simply to cover the inconvenience of not being able to ski.

- Off Piste

A final point to note is that a standard winter sports policy will probably only cover you for accidents that occur when skiing on designated pistes. If you plan to go off-piste, then make sure your insurance will cover this - you'll probably have to pay a supplement.

As with most kinds of insurance, paying out for travel insurance can seem like a waste of money. However, if you find yourself caught up in an accident on the mountainside then the costs involved can be truly frightening and you'll be glad you took the time to arrange adequate cover in advance!(red)

Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense’s, including repairing your motor vehicle, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.

Plus, there's a long list of possible medical expenses. For example: Doctor/Chiropractor, Prescription Drug Bills, Ambulance, Emergency Room Care, Hospital or Clinic, Specialist and/or Dentist, Laboratory Fees and Services, Diagnostic Tests, X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus (Canes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Gauze and Tape, Ace Bandages all of which the insurance company must pay whether they like it or not!

Also, Creams, Lotions, Ointments, Balms and Salves, etc. (Should the lady in your life apply any of these to your aching body I'm sorry to tell you this but her labor is not an expense you can claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It's true that a very small percentage of motor vehicle accidents cause big, serious injuries but that doesn't mean you shouldn't be paid big, serious bucks!

EXAMINATION BY THE INSURANCE COMPANY DOCTOR: Claims Adjuster Henry Hard-Nose of Rock Solid Insurance will usually try to pull a fast one insisting he wants you to be examined by the physician of his choice, the local medical con-man of all time, Dr. Nuttin' Wrong. Beware of such a request. Doctors assigned by the insurance company are notorious for stating, in the report they're paid big bucks to execute, "There is no objective basis", for your complaints.

You don't have to agree to be examined by Dr. Nuttin' Wrong. Rock Solid Insurance cannot insist that you submit to their doctor for an examination unless your claim actually becomes a formal court case. So, hold your ground until your attending physician, Ole “Doc” Comfort, has released you. After that it's okay to agree to be examined because by then it's too late! So much time will have passed it will be impossible for Dr. Wrong to minimize the pain, discomfort and suffering your injury has caused you.

WHAT TO DO ABOUT YOUR MEDICAL BILLS IF YOU MAKE THE MISTAKE OF OBTAINING LEGAL HELP FROM ATTORNEY I. M. SHARP: Should yours be a case in which there's no question that you're not at fault, make it clear to the Legal Beagle you've hired, I. M. Sharp, Esquire, that you expect his Contingency Fee will not apply to that which he recovers for the damage to your car, your medical bills, and/or your payment for lost wages. You tell him these are damages you would have collected ANYWAY - - whether he was handling the case for you or if you settled it yourself. Don't you dare be foolish enough to hand him a huge percentage of that which you were going to be paid by the insurance company, whether Attorney Sharp handled the case or not. To do so is the height of financial stupidity!

YOUR BODILY INJURIES: It's a proven fact that the vast majority of motor vehicle accidents cause minor injuries. While bodily injury pain can be specifically measured the limits of what you can endure cannot. Each of us has a different "pain threshold" - - that is, the point at which we begin to feel physical pain. The amount and quality of pain you feel is not strictly dependent on the bodily injury inflicted. It has a lot to do with your previous experience, how well you remember it, and your ability to understand what caused you that pain, and its consequences, the last time around.

Stress and strain magnify physical pain plus personal anxiety will greatly increase it. There are also emotional reactions to the injury. A bodily injury is bound to cause some degree of mental distress. The duration and severity that depends on a number of factors: The type of individual you are, the ultimate consequences of the injury you sustained, and the life stresses or strengths you're experiencing at the time of your injury. (If you can't stand her and she takes a powder you’ll handle your pain better if you really dig the chick and she dumped you for your best friend)!

When it comes to muscle injuries one thing you must keep in mind is that when one part of the body demands rest (by sending out a pain signal) and - - without your even realizing it - - you help your body by placing a new burden on other muscles. It gets complicated because although those muscles may not have been directly injured in the accident, they can still get buggered up and produce a lot of pain because of their new role.

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor (name the magazine/newsletter and/or web site) make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.(red)

Have you thought about providing financial security for your children in case they are seriously injured in an accident of any kind? The possibility of an accident putting your child in a wheelchair for life, is not one that anyone likes to think about. Not thinking about the possibility does not take that chance away though.

Parents are increasingly recognizing that it is necessary to insure their children against accidents. They want to know that in the event of anything untoward happening to their son or daughter, that at least there will be no financial hardship; that their child’s financial needs will be provided for the next 70 years if necessary.

Health insurance for children is normally included in family health insurance policies and is obviously worthwhile. Is that enough?

Health insurance for children may cover illnesses and broken bones, but rarely covers everything that can happen to a child.

Your family health insurance policy cover may not include:

Accidents on school trips. The school may well have insurance, but is it enough to provide a lifetime of care if your child has a serious head injury while skiing?

Car accidents with drivers who are not insured. Sadly many children are injured every year when uninsured drivers hit them. The worst drivers almost always have no insurance.

Mental health is not always adequately covered in a general family health insurance policy.

Death. Health care insurance policies rarely pay out if the insured person is killed. Money will be needed for counselling for siblings and parents as well as funeral costs.

An increasing number of parents are asking insurance companies about insurance for children to cover these and other eventualities. Ask an insurance broker about the different policies available and their costs. The cost is low, because the risk is a low one. Insuring against that low risk though, could mean a world of difference to your son or daughter.(red)

Are you looking for some inside information on aetna health insurance ? Here's an up-to-date report from aetna health insurance  experts who should know. 

Buy california health insurance plan and free health insurance is california health insurance quote is aetna health insurance.  Students do not need to subscribe to any other Chickering or Aetna health insurance plan to qualify.  I'd like to begin my Aetna health insurance quote now.  Preventive care is a high priority with Aetna health insurance.  Millions of people have put their trust in Aetna health insurance over the years.  Your health is in good hands with health insurance Aetna.

This is just an example of the innovative new ways Aetna individual health insurance can be suited to your needs.  We were unable to find results for your search term - "aetna health insurance provider".  UMDNJ students and postdoctoral fellows have the option to obtain individual health insurance coverage through Aetna after they graduate/complete their training at UMDNJ.   

If you don't have accurate details regarding aetna health insurance , then you might make a bad choice on the subject. Don't let that happen: keep reading. 

Buy california health insurance plan and free health insurance is california health insurance quote is aetna health insurance.  I'd like to begin my Aetna health insurance quote now.  UVa retirees will also be eligible to enroll in Aetna's long-term care insurance plan.  Preventive care is a high priority with Aetna health insurance.  The cooperation of the insurance companies has been outstanding, as it was with the Aetna Insurance Company in the original survey.  Ward that they review the files of the Aetna Insurance Company to ascertain which clinical problems led to malpractice suits.  You may also continue the insurance at retirement or termination by paying the premiums directly to Aetna.  

  

Your life insurance may continue if an application is completed requesting premiums be waived and is approved by Aetna.  Students must present their Aetna Insurance card to the pharmacy in order to receive a prescription.  To receive the highest level of insurance benefit, simply choose an Aetna participating provider.  We were unable to find results for your search term - "aetna health insurance provider".  As insurance payments often serve as a safety net for the insured, Aetna's refusal to cover Ace's injury is foreseeably egregious.  It reported that after reasonable efforts and due diligence, Aetna was not able to identify any additional records relating to slavery era insurance.

As a state employee, Ace participated in an Aetna group insurance plan, which provided both short-term and long-term disability benefits.  UMDNJ students and postdoctoral fellows have the option to obtain individual health insurance coverage through Aetna after they graduate/complete their training at UMDNJ.  Students do not need to subscribe to any other Chickering or Aetna health insurance plan to qualify.   

The public has a right to know whether its Cornyn who%u2019s been selling insurance to Aetna.  Underwritten by Aetna Life Insurance, it is an affordable, student-centered plan that protects students at school, at home, and while traveling or studying abroad.  "The transaction-processing capability of the mainframe allowed Aetna to start automating the process of creating an insurance policy," and IBM spokesperson told ServerWatch.  Millions of people have put their trust in Aetna health insurance over the years.  Your health is in good hands with health insurance Aetna.(red)  

To begin with, you need to understand that life insurance falls into two very broad categories: Whole and term.  The basic difference between term and whole life insurance is this: A term policy is life coverage only. 

In whole life insurance policy, as long as one continues to pay the premiums, the policy does not expire for a lifetime.  As the term applies, whole life insurance provides coverage for the whole life or until the person reaches the age of 100.  Whole life insurance policies build up a cash value (usually beginning after the first year).  With whole life, you pay a fixed premium for life instead of the increasing premiums found on renewable term life insurance policies.  In addition, whole life insurance has a cash value feature that is guaranteed.  In term and whole-life, the full premium must be paid to keep the insurance.  

With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-range goals.  Besides permanent lifetime insurance protection, Whole Life Insurance features a savings element that allows you to build cash value on a tax-deferred basis.  The policyholder can cancel or surrender the whole life insurance policy at any time and receive the cash value.  Some whole life insurance policies may generate cash values greater than the guaranteed amount, depending on interest crediting rates and how the market performs.  The cash values of whole life insurance policies may be affected by a life insurance company's future performance.  Unlike whole life insurance policies, which have guaranteed cash values, the cash values of variable life insurance policies are not guaranteed.  You have the right to borrow against the cash value of your whole life insurance policy on a loan basis.  Supporters of whole life insurance say the cash value of a life insurance policy should compete well with other fixed income investments.  

Unlike term life policies, whole life insurance provides a minimum guaranteed benefit at a premium that never changes.  One of the most valuable benefits of a participating whole life insurance policy is the opportunity to earn dividends.  The insurance company based on the overall return on its investments sets earnings on a whole life policy.  In addition, while the interest paid on universal life insurance is often adjusted monthly, interest on a whole life policy is adjusted annually.  Like many insurance products, whole life insurance has many policy options.  

Make sure you can budget for whole life insurance for the long term and do not buy whole life insurance unless you can afford it.  You should buy all the coverage you need now while you are younger, and if you cannot afford whole life insurance, at least get Term.  That is why whole life insurance policies have the highest premiums it is insurance for your whole life, no matter when you pass on.  The level premium and fixed death benefit make whole life insurance very attractive to some.  Unlike some other types of permanent insurance, with whole life insurance, you may not decrease your premium payments.(red)

Indemnity health insurance plans are more regularly known as traditional health insurance plans. These health insurance plans can be costly but often cover most health problems that may arise, while other insurance plans exclude some illnesses or diseases from their coverage. Some disadvantages to indemnity plans are that they do not usually cover preventative health care like physicals, and traditional health insurance plans often cover only a percentage of your bill. Research the advantages and disadvantages to indemnity health insurance when you are considering health insurance options.

While the disadvantages may seem problematic, there are many advantages to indemnity health insurance plans. You may have a higher monthly premium and you may need to pay upfront costs and submit claims paperwork, but your deductible will be more manageable and your coverage will be wider. Some health insurance plans will not cover certain medical expenses or care, but indemnity plans often do. 

Another benefit of indemnity health insurance plans that many people desire is the freedom to choose your own physician. While other health insurance plans offered by the insurance industry limit your choice of physicians and hospitals to a list of preferred providers, indemnity insurance will cover any physician or hospital. This benefit may seem unworthy of mention, but there has been more than one instance where a mother finds that her son or daughter's pediatrician is not in their preferred provider network and has to search for another pediatrician. This also means that you can see a specialist without having to consult with your primary care physician first.

Overall, indemnity health insurance plans also offer you the best emergency medical coverage in the industry. While preferred provider organizations (PPOs) or point-of-service (POS) plans limit the physician you can see to a list of network physicians and hospitals, the freedom of choosing any physician is nationwide with indemnity health insurance plans. This means that if you are traveling across the country and have an accident or a medical emergency, you can go to the nearest hospital or see the closest physician without worrying about the expense. 

There have been instances where hospitals or physicians will either refuse to treat patients or treat them only minimally because the hospital or physician is not inside the plan's preferred provider network - meaning that the patient's health insurance will only cover a small part of the expense and the patient is liable to pay the rest of the bill. This is a risky financial situation for the physician and/or hospital since patients are often unable to fully pay costly medical bills. With indemnity health insurance plans, this is almost never the case. Consider this and the other benefits of indemnity health insurance when choosing the plan that is right for you.(red)

Whole life insurance also known as “permanent” or “straight” life insurance is one of the most applied forms of insurance. This life insurance policy covers one’s entire life. This is much in demand because of its ability to provide financial protection and accrue cash value and pay dividends to the insured. In other terms, you can say it as an investment, that you make to secure your future build up finance that helps you in your indigence.

Taking a whole life insurance policy leads to a number of benefits and advantages. Few of them are listed below.

1. The first advantage is The Death Benefit.

The whole life insurance policy guarantees you the death benefit that never decreases. Moreover no federal income taxes are charged upon death. And if you desire, death benefit can be taken as a monthly income instead of a lump sum.

2. Consistency of premium level.

Unlike term life insurance’s premiums, which increase at the time of renewal, the premium you pay in whole life insurance remains consistent. There’s no increase. However, use of dividends can minimize the premiums that you pay and contracted for.

3. “Cash value” is another beneficial feature of whole life insurance.

Unlike other life insurance policies, whole life insurance policy accumulates the useable cash reserves. This increase as one pays premiums and also accumulates tax deferred. And if you decide to surrender the policy, you receive your cash values.

4. Participation in whole life insurance policy earns you the dividends.

You are eligible to earn dividends if you own a participating whole life insurance policy. You receive this dividends in cash, which you can further use to either purchase a paid up additions, to minimize premiums or you can keep it within the policy to generate interest.

These advantages of whole life insurance policy are really worthwhile. If you are not confident you should consult an expert before taking up any policy.(red)

Whole Life Insurance is insurance that stays in place for the duration of your life. There are several advantages of whole life insurance that make it a preferred insurance choice for many people. The first is that whole life insurance accrues a cash value, which can be paid out upon death, or at a certain age. Whole life insurance is not just insurance, it is an investment which can be borrowed against, and as long as you keep up with the premiums, will stand the beneficiaries in good stead.

While whole life insurance may initially be more expensive than term life insurance, in the long run it can be less expensive. Whole life insurance is regarded as an investment, and as such, may pay dividends throughout the life of the policy. These dividends can be used to pay down the premiums, or in other nominated ways that can mean that you save money in the long haul.

Whole term life insurance policies can be paid out as a lump sum, or in monthly payments, so there is some flexible for policy holders who do not wish for their policy to be spent irresponsibly. There are also now a large range of various policies which allow customers to pick and choose conditions that suit them them best.

Due to the expansion of the insurance industry, you are well advised to look at your own needs and desires critically, to make sure that the package you end up signing for suits your needs best, and does not carry superfluous costs which will not benefit you at all.

If you are looking for whole term life insurance, be sure to look around various companies, and to request quotes online. These save you both time and money, and are well worth the effort when you consider the magnitude of the investment you could be making, and the importance of the cover to your loved ones.(red)

Although it’s a responsible choice, the choice to purchase a life insurance policy isn’t required. Other than not wanting to think about inevitable death, many people choose not to purchase a life insurance policy because they don’t want to take on the extra payments for something they will not immediately use. Electric bills, for example, are less painful to pay every month. You use electricity every day. Life insurance policies, on the other hand, are usually only used in case of a financial emergency or the death of the policyholder.

However, most life insurance companies offer the ability to make life insurance policy payments four different ways – monthly, quarterly, semi-annually, and annually – and your life insurance agent will be more than happy to offer advice about each payment option.

Monthly

Sometimes making monthly payments on your life insurance policy is the best choice, simply because you have the money right then. However, if you pay monthly, you may actually end up paying more than you would if you paid quarterly, semi-annually, or annually, because many life insurance companies offer discounts for other payment options.

Quarterly

Quarterly payments are sometimes the most convenient option, because they allow you to save for a few months before sending payment.

Semi-annually

Semi-annual payments aren’t quite as large as annual payments, yet they do offer the ability to save and pay twice a year.

Annually

Making annual payments on your life insurance policy in the form of one lump sum may leave a lump in your throat, but depending on the life insurance company, you may actually save money this way.

Whether you’re considering purchasing a life insurance policy, or already have one, talk with your life insurance agent about life insurance policy payment options. While you may think one payment option is best for you, the advice your life insurance agent gives you may help you see that another payment option is actually better.(red)