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Monday, April 14, 2008
by: Monty Loree
I'm going to explain to our readers how they can get cheap life insurance by shopping online.
I'm going to explain to our readers how they can get cheap life insurance by shopping online.
If you've done any shopping for life insurance you know that prices for life insurance policies can fluctuate a great deal with different companies.
It turns out that life insurance are based on three basic factors.
AGE
HEALTH RISKS
ACTIVITY RISKS
START WITH STANDARD RATE:
Life insurance carriers start off with their standard rate for a person of your age. Assuming that your health is perfect and there is no other risk associated with you, you'll get the same price as every one else who has perfect health and no risk associated with them.
NEXT STEP: TAKE A MEDICAL
A medical will tell the insurance company if you've got any serious health issues which could make you a higher risk, mortality wise.
FINALLY: RISKY ACTIVITIES
After assessing your health situation, the life insurance company wants to know if you're involved in higher risk activities with your job or hobbies etc.
Understanding that risks are risks, your real risk assessment to one life insurance company is the same for the next life insurance company. ie.. you're not going to die any faster for one life insurance company than another, to put it graphically.
WHY HIGHER PRICES WITH CERTAIN COMPANIES?
Based on the discussion above, certain companies might assess risk differently and want to charge differently than other companies.
Companies specialize in different areas
I've heard of companies that like to specialize in certain health risks more so than others. Thus they would charge lower for those health risks than other companies because they have more experience assessing the risk.
As with every industry, those who specialize in certain areas of their field can generally offer better prices and better services than other companies. The same is true for life insurance.
Some companies charge higher commissions
Some companies use sales people who go out and market in the traditional way. These sales people need to make more per commission because their process is slower. Thus the insurance company needs to charge a higher rate to compensate their insurance reps.
Some life insurance agencies (such as the ones we deal with) don't use traditional sales methods. They rely on services such as ours to find them people interested in purchasing life insurance on the internet. They work with the customer over the phone and thus their costs are much lower.
Not only that, these agencies can get pricing from many different life insurance carriers. They are able to shop from the companies that specialize in your particular risk.
I was chatting with a life insurance expert from Conservest today and asked him the following question: "Why does one company charge more than another"
Conservest Answer: No reason. The prices are set by the company based on their personal mortality tables and if one company charges more it's becuase they see a high risk. They are constantly changing and updating in most cases they are going down.
"and prices are based on Age and Health, they use the medical to confirm your health class and the premium is based on that. If you don't fit in you could be rated and have to pay more then the Standard rate."
THE BOTTOM LINE:
If you're shopping for cheap life insurance, it's really important to spend some time at it. Signing up for a quote on this site will help out the process.
Our agents will shop many different life insurance carriers for you and get you the best quote for your age and risk situation.
We advise that you ask the insurance company that you're looking at buying from if they specialize in life insurance for your situation. After doing a little digging you will probably save money and get cheap life insurance!
About The Author
Monty Loree is the president of HomeGrown Advertising Inc (1994)
We help people shopping for life insurance get in touch with high quality life insurance services.
View their website at: http://www.express-marketing.com/
montyloree@hotmail.com
by: Doug Taylor
With oil prices on the increase predominantly in the Middle East, it is having a serious knock on effect to the price of petrol.
In the UK petrol is currently almost GBP 1.00 per litre, and in some rural towns it exceeds this price. The burden on the average motorist is having an effect with an average family car costing around GBP 55.00 to fill up.
This does mean that shopping around for car insurance can lead to lower premiums. The large car insurance companies have recently carried out major advertising campaigns highlighting the 'lower premiums and saving money online benefits'. At present just by buying your car insurance online rather than over the phone can save you an instant 10% with some car insurance companies.
One other aspect to consider are companies that search out the cheapest car insurance for you with top car insurance firms. You simply make one phone call, or one web enquiry and they will search on your behalf with top firms. You pay no money for this service as the commission they take comes straight from the car insurance firm. It's an ideal solution for those with little time to shop around.
One point to remember is make sure you have the right policy for you. You may find a replacement car an advantage for times when your car may be being repaired. Not all insurance companies offer this and it often comes as a premium. Cost is a major factor but ensure the cover is right for you, your car and circumstances.
About The Author
Doug Taylor is promoter and editor of http://www.carinsuranceonlineuk.co.uk/
by: Maria Cuttini
Is this a pipe dream? Getting cheap no-fault auto insurance is like finding the proverbial needle in a haystack. You know it’s there somewhere, but how in the world are you going to find it?
Is this a pipe dream? Getting cheap no-fault auto insurance is like finding the proverbial needle in a haystack. You know it’s there somewhere, but how in the world are you going to find it?
Well, thank goodness for the Internet. Because on the web you can find anything you want (and a lot of things you don’t want). You just need to know how to look.
To find anything, you have to first really know what you’re looking for. And if you’re clear about no-fault auto insurance (NFAI), you’re one in a million. But, if you’re not, you’ll want to do some homework, because it’s incredibly confusing.
Some states don’t offer NFAI. Each individual state has their own regulations for auto insurance companies and policies. Some require NFAI, while others don’t. And some offer something similar instead called “tort” coverage. So, the first step is to get clear how it works in your state.
You can google “your state’s auto insurance regulations” on the Internet and look for the types and amounts of coverage minimally required. But be prepared that some state requirements are very low and others don’t even require basic liability and/or bodily injury protection.
Once you know the minimum coverage required, you then have to decide how much coverage you want and need for your particular circumstances. The insurance salesman’s usual advice is to buy high – as much as you can afford. But, since he’s earning a commission on the sale, that’s what you should expect him to say.
Of course erring on the side of caution is still your best bet, especially if you own your own home or other valuable assets. In case of an accident, you don’t want your personal finances on the hook.
When you know how much car insurance you need and want, then it’s time to shop around. And that’s pretty easy to do on the net. If you’ve never compared rates before, you’re going to be shocked at how much difference there is between different companies - hundreds of dollars in some cases.
There are also a lot of ways to save money on no-fault auto insurance. Check into possible discounts for a good credit report, multifamily and multipolicy discounts, driver safety classes, installation of safety/anti-theft devices, etc.
One of the easiest ways to cut car insurance costs is to increase your deductible. For example, raising your deductible from $250 to $500 can lower your annual premium by as much as 10%. Just be sure you always have enough cash available to cover the higher deductible if you should ever need to.
One last point to consider. Cheap isn’t necessarily what’s best for you. You can get cheaper rates by skimping on your coverage or even possibly dealing with a shady, fly by night insurance company. Michigan state regulators recently caught several scam artists selling bogus no-fault auto insurance policies.
So always be certain you’re dealing with a legitimate reputable insurance company, especially if they’re promising outrageously cheap rates. You could end up getting nothing for your money and it would not be considered “no-fault” of your own.
About The Author
Maria Cuttini shares tips and resources for saving money on auto insurance on her blog at http://www.autoinsuranceunlimited.com/. Stop by and save some money!
Sunday, April 13, 2008
by: Simon Christopher
Women's car insurance has been popping up all over the net and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who offer car insurance for ladies only. They promise lower premiums for women drivers because, they claim, it's cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually cheaper. So, is it really true, or is it just another marketing gimmick?
Women's car insurance has been popping up all over the net and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who offer car insurance for ladies only. They promise lower premiums for women drivers because, they claim, it's cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually cheaper. So, is it really true, or is it just another marketing gimmick?
The answer to the question is both yes and no. Women only insurance companies are marketing to a specific niche - women drivers. Of course it's a gimmick, but like the best marketing gimmicks, it is based in truth. Here are the facts about women drivers and insurance:
-92% of driving convictions are handed out to men.
Those figures are changing, though, as women become more aggressive drivers. According to statistics gathered by the car insurance comparison site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just three years ago.
-Men drive differently than women.
A whopping 98% of dangerous driving convictions were handed out to male drivers last year. According to all the research, men tend to be more aggressive and competitive behind the wheel than women, and that naturally leads to more accidents. Women tend to drive more slowly - generally within the speed limits - and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for all those jokes about lousy women drivers. The statistics say otherwise.)
-Insurance companies pay out less in damages for policies taken out by women.
When women do get into an accident, they tend to be of the fender-bender scrape variety. Overall, insurance companies have always known that female drivers cost them less in payouts.
However, that doesn't necessarily translate to the lowest premiums from companies that only insure women. In fact, many of them offer actual quotes that are higher than the rate you'd be quoted from a more generic motor insurance company. The truth is that despite the widespread sentiment that women drivers underwrite their more expensive male counterparts by paying higher insurance, most insurance companies offer lower insurance rates to female drivers as a customary part of doing business.
That's not to say that you won't get the best price from an insurer who only insures women's cars. The bottom line is the same as it is with any other auto insurance decision. Shop around. Get insurance rate quotes from a number of different companies before you decide on the policy that's best for you. Keep in mind when you're comparing policies that you should always compare like with like. Decide on the specific cover that you want before you start requesting quotes, and make sure that the rate you're quoted includes all the cover you need. It's really the only way to be absolutely certain you're getting the best cover for your money.
About The Author
Simon Christopher
For a comprehensive list of the most popular womens car insurance companies plus real customer reviews and buying tips, visit http://www.uk-insurance-index.co.uk/womens-car-insurance-1.html.
by: Simon Christopher
Fact: To drive legally in the UK, you are required to have car insurance to protect yourself and other drivers. It's one of the unavoidable expenses of owning and driving a vehicle on the road.
Fact: To drive legally in the UK, you are required to have car insurance to protect yourself and other drivers. It's one of the unavoidable expenses of owning and driving a vehicle on the road.
Whilst car insurance is a fact of life, high premiums are not. There are many ways to control the cost of your motor insurance premiums and even reverse recent increases in some cases. Here are just a few tips that can save you well over 10% on your car insurance this year.
1. Search online for the best quotes.
Often, car dealers work with a specific insurer "for your convenience". Before snatching the first motor insurance policy you find, do some research and shop around. Use a price comparison site to compare multiple policies side by side. Car insurance quotes can vary by hundreds of pounds for the exact same cover.
2. Buy online at the insurer's site.
Many, if not most, insurance companies offer hefty discounts when you buy your cover online. Why? They save money on time and agent commissions that way. It's standard to offer a 10% discount when you buy your car insurance online. While not everyone can buy online, there can be significant savings if you can and do.
3. Review when you renew.
Don't simply renew you policy when the time rolls around. Go over it to make sure that it still meets your needs and circumstances - and then request a new quote. Insurers will nearly always offer a lower quote when you're shopping around for policy than when they think they have you hooked.
4. Secure your car.
Since your premium is based on the risk of damage or loss of your car, every step you take to make your car more secure and safe will reduce your premium. Park it off street or in a garage, add a steering lock or an alarm and see your premiums go down.
5. Drive less.
The less you drive, the less your chance of being involved in an accident. If your mileage is lower than the norm, inform your insurer and find out if they offer a low mileage discount.
6. Be honest on your application.
While this technically will not lower your insurance premium, it can make a huge difference when you make a claim. It may be tempting to claim your auntie's suburban address as your garaging site and knock a few pounds off your premium - but if you need to make a claim, the insurance company could find out. If they prove you misrepresented the facts on your application, your claim will be declined and may end up liable for any damages from the accident to boot.
7. Pay in full at the start of the policy.
Check with your insurer to find out if you're charged more for paying in installments. In essence, when you pay in installments, you're taking a loan from the insurance company for your premium, and paying them back - with interest.
8. Pay by direct debit.
If you do choose to pay in installments, find out if your insurer discounts your premium when you pay by direct debit. Since direct debit greatly decreases the likelihood of late and missed payments, most insurers are happy to knock a few quid off the premium when you pay that way.
9. Add an extra driver to your policy.
In some cases, adding an additional driver to your policy will lower your premium, especially if that driver is older, female and has a good driving record.
10. Take a defensive driving course.
Many insurance companies will discount your premium if you complete a course in safe or defensive driving. In general, anything that reduces your accident or loss risk may lower your car insurance premiums.
About The Author
Simon Christopher For more tips on controlling your car insurance premiums with customer reviews and buying guides to help you, go to http://www.uk-insurance-index.co.uk/car-insurance-companies-1.html.
by: Peter Kenny
As you already know there are many types of insurance. Knowing which policies will best suit your needs is a key to protecting yourself and your family from unexpected events. BY having the protection that you need, when you need it, you give yourself and your family a tremendous advantage when things go wrong.
As you already know there are many types of insurance. Knowing which policies will best suit your needs is a key to protecting yourself and your family from unexpected events. BY having the protection that you need, when you need it, you give yourself and your family a tremendous advantage when things go wrong.
If you have a family or run a business, you certainly need life insurance. Life insurance comes in many different flavors and choosing the correct policy is often confusing. One thing is certain, however, and that is you want to provide for your family in the event of your death. The actual type of policy that will best meet your requirements is something that only you, your spouse, and the insurance carrier can decide.
There is another side to life insurance, too. What if you do not have a family? In a case such as this, life insurance, unless it is provided free to you by your employer, may be an unnecessary expense. After all, who will be your beneficiary?
Other types of insurance, such as automobile insurance, are clearer to understand. If you do not own a car, you obviously do not need this type of insurance. If you do own a car and drive it, you almost certainly are required to have it by state law.
Homeowner's insurance is required by most lenders as long as you are paying on the mortgage. In the event something should happen to the home, the insurance on it will help cover the costs of repairing it or replacing it if it is completely destroyed.
Once the mortgage is paid, the homeowner is at liberty to carry or not carry insurance as long as that is allowed by state and local law. Even though a homeowner may be tempted to cancel homeowner's insurance or reduce the coverage once the mortgage is paid that is often a bad idea.
Disability income insurance is another type of insurance that most people should at least consider. A long-term disability insurance policy kicks in should you be injured or suffer from a disease that makes it impossible for you to continue working.
It is true that most employers carry worker's compensation plans that can help should you be out of work for an extended period of time, but worker's comp can be complicated and it often does not provide enough money to cover both medical expenses and household expenses. There are also time limits on how long you can receive payments. A long term disability policy can help offset those costs and help your family maintain a more normal lifestyle.
Health insurance is another of those very important policies that all people should have. Health insurance is often provided by employers, and for many people, this is the only affordable way they can get it. Often employers may offer a choice between HMOs (health maintenance organizations) and traditional fee-for-service care. Rates for HMOs are usually less expensive but they normally have more constraints on which doctor or hospital you can use. Privately purchased health insurance is much more expensive and should be well researched before you decide a policy.
The above are just a few of the many types of insurance that you may wish to look into. An excellent way to learn more about insurance and what you need is to speak with a qualified insurance agent.
About The Author
Peter Kenny is a writer for The Thrifty Scot, please visit us at http://www.thriftymortgages.co.uk/remortgages and http://www.thriftyscot.com/life-insurance/ http://www.thriftymortgages.co.uk/2008/01/bank-under-interest-rate-pressure.html
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