Posts Tagged ‘Life Insurance’

Louisiana Auto Insurance Rates Among Highest in United States

Thursday, April 22nd, 2010

According to a recent survey, Louisiana continue to pay  the nation’s highest rates for car insurance. Yahoo.com recently graphed the findings of the most expensive states to the least expensive states to insure an automobile.

Rank State Avg. Premium

1

Louisiana

$2,510.87

2

Michigan

$2,098.29

3

Oklahoma

$1,869.39

4

Montana

$1,857.96

5

California

$1,774.41

6

South Dakota

$1,772.83

7

Washington, D.C.

$1,753.19

8

Georgia

$1,751.42

9

Illinois

$1,679.15

10

Connecticut

$1,678.90

Source: Insure.com, from a study commissioned by Insure.com from Quadrant Information Services

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As you see, Louisiana ranked 1st among all states for the most expensive car insurance. So the question I have is why are automobile insurance rates so high in Louisiana?

To answer the above question, I discussed this with a friend (who will remain nameless since he occasionally cavorts with this personal injury attorney) who works in the automobile insurance field. Together, we identified (not scientifically of course) reasons why automobile insurance rates are so high in Louisiana. We identified the following as some of the predominant reasons automobile insurance rates are so high Louisiana:

  1. 1. High Number of Uninsured.
  2. 2. Low Incomes Resulting in Low Credit Scores.
  3. 3. Weather Related Losses (Hail and Storm Damage)
  4. 4. A Lot of Youth Drivers Having Their Own Cars.

Believe it or not your credit scores also play a role in your premiums. According to insure.com your insurance company probably sees a correlation between your credit history and insurance premium.

Many home and auto insurance companies use your credit information, filtered through a formula to create an “insurance risk score,” to determine how likely you are to file an insurance claim. Your premium bill could rise if you have a bad credit score, even if you haven’t filed a claim.

According to the Insurance Information Institute (III), insurance companies use these risk scores to help differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim, according to III.

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Easy 2nd Income String For Realtors and Mortgage Reps

Friday, February 19th, 2010

Are you looking for a way to earn extra revenue while helping your clients and doing no extra work? Let me explain this very simple and exciting new program designed for Realtors to earn extra money.

We have designed a program that doesn’t cost you anything to take part, and once set up it works on auto pilot. You will be able to earn money and help your clients at the same time. This is a win-win every way you look at it.

Every Realtor knows that homeowners insurance is needed on every home purchase that has a mortgage. This is something that either the Realtor or the Mortgage rep has a conversation about with the client.

To read more or sign up for free go to:
http://www.quotematcher.com/affiliates/realtor.asp

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Google Video World Most New Best Man Pic

Monday, January 25th, 2010

What’s with that title? Read the story to find out more.

diggPeople want to know how to get there story onto the front page of Digg. Digg is huge and if you make the front page, Digg can send you thousands of visitors. The title of this story contains the 8 Most dugg words on DIGG that aren’t filler words like the, to, of, ect…

Here is there order:

1 Pic

2 Video

3 New

4 World

5 Google

6 Best

7 Man

8 Most

If you want to get a complete list of dugg words Check This Out.

Let’s see how many times this page gets dugg and if it shows up on the front page of Digg.

This information was brought to you by QuoteMatcher.com where you can Compare Insurance Quotes, Compare Contractors and Compare Home Service Estimates.

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NJ Non Medical Exam Life Insurance and Mortgage Protection Insurance

Friday, December 18th, 2009

A broken healthcare system and still-high unemployment rates has many people in New Jersey worried about how they’ll manage the costs if there is a death in the family or a threat of losing their home due to unemployment. There are two options that any life insurance policy holder needs to consider that can put their mind at ease.

NJ Non Medical Exam Life Insurance

You’ve seen the commercials for life insurance that doesn’t require a physical examination. For many people, this alleviates a lot of the hassle and lab costs that comes along with obtaining a life insurance policy. Non medical exam life insurance NJ allows New Jersey residents to fill out an online form to obtain life insurance that can protect their family in case of their death.

Many older people rely on this type of insurance to increase the protection they have. Because they have more medical concerns than younger life insurance policy holders, it is important that senior citizens have easy access to policy options of this nature.

Mortgage Protection Insurance NJ

The same urgency surrounds the need for NJ mortgage protection insurance.  Although it is rare for mortgage protection insurance NJ to be added-on to a life insurance policy, it is sometimes an option. If your current life insurance policy doesn’t offer it, there is another way of insuring your home in the case of unemployment.

Opening an additional term life insurance policy is a cost-effective way to insure your home, your income and your life.

When shopping for life insurance in NJ, keep in mind that with the non medical exam life insurance and mortgage protection insurance, there is relief for both current medical conditions and the state of the economy.

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QuoteMatcher.com Offers Competitive Price Quotes for Personal Insurance Needs

Monday, November 9th, 2009

Nov 09, 2009 – Marlton, NJ. Just a few short years ago in July of 2006, Quote Matcher LLC launched a website to help potentially millions of Americans get the best prices for their multiple insurance needs. By the time this press release hits the web, more than 3000 people will have already found the best possible personal insurance quotes from using http://www.quotematcher.com/insurance.asp.

Besides helping people get the best rates for their insurance needs, Quote Matcher wants to share specific knowledge of auto insurance quotes and relevant information to its users. By visiting the “Auto Insurance Articles” link on the website, viewers can get the latest information on auto insurance quotes written by licensed insurance agents. Read on how to get the ideal coverage for competitive costs and learn how you can have reasonably priced auto insurance that protects your needs as a driver. Users are also able to check out their state’s specific coverage requirements for auto insurance. The site has made it easy to find exactly what people need for auto insurance in their respected area. There is no need to wonder if you’re getting the right amount of coverage in your state because QuoteMatcher.com has made it all available to you with the click of a mouse.

Quote Matcher LLC wants users to get the best in auto insurance comparisons. Working with big name insurance carriers, there will be price options for every budget in less time than if you were to search these companies individually. It’s a one-stop shop for free insurance quotes without the hassle. There are no strings attached, just quick and easy results for the best auto insurance quotes in your area. When users fill out the easy to navigate information page, all the information sought after will be presented in a timely manner. QuoteMatcher.com isn’t just the best place to get free comparison quotes on auto insurance, you’ll also be able to find homeowners, life, health and disability insurance from reputable carriers by filling out one simple form. Quote Matcher wants you to save both time and money when shopping around for personal insurance quotes. Visit us at www.quotematcher.com and see why thousands of Americans have already flocked to the site to meet their needs for auto insurance quotes.

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The Boring Truth About Insurance

Monday, October 19th, 2009

We all need it but don’t want to have to use. This is like the worst gamble in the world. I’ll pay you today for some tragic event that may happen to me in the future. If it don’t need to use it whew I’m lucky I only had to spend a couple thousand a year to be sure. The Necessary Evil is what I call it.

Personally, I would buy insurance even if it wasn’t required by law(auto insurance), but I hate it. How I feel is I would rather pay a couple thousand a year for auto insurance just incase something does go bad. Who knows what may happen and the costs that may arise if I don’t have it. God forbid if I caused an accident and someone got severely hurt. I would feel so bad not just because I injured the person but also because I wouldn’t be able to pay for them to get help and recover. Then the financial burden that would fall over me and my family for ever.

Home insurance is required by my mortgage company to insure their investment, I get that part. I purchase it mostly for that fact but also just incase we have a house fire or something tragic happen. I couldn’t afford to pay a 30 year mortgage for a burnt down house plus pay to live somewhere else. It’s just the way it is.

Health insurance is a different creature all by itself. Luckily we receive health insurance through my wife’s company. If we didn’t I’m not sure we could afford it. We would probably just get a policy for our kids and my wife and I would hope we didn’t become too ill. This is one of those bad bets to. This is the one we should buy most of all but it is the most expensive and that is why so many people struggle with it. We all know at some time over the next year or two someone in the family will become sick and we will need to use health insurance coverage or have a hefty bill to pay otherwise. Currently my daughter is sick with a normal autumn cold, I accidentally dropped her medicine and the bottle broke on my counter. We placed a new prescription through the pharmacy. I went to pick it up and it cost $98 for the antibiotic, the pharmacist said the insurance company would not cover a refill. I had to tell them no thank you as at the time I couldn’t afford it. Luckily our pediatrician was able to prescribe a new antibiotic the same day that only cost $15 due to our health coverage. It is amazing how much medicine costs. Never mind if you need to get it in a hospital. One Aspirin can cost as much as $10 in the hospital. Hopefully, our trusted politicians will come up with a solution to this problem.

Life insurance is a totally different situation. The is the worst bet you could place of all. You are betting that you are going to die. This is the one bet I would rather lose, but I buy life insurance for a different reason. You the know the reason. It’s because I love my family. I don’t want them to struggle if I am gone. I couldn’t image what they would go through if I were gone and then not having enough money to afford staying in our home and living the life I wanted them to have.

Well there it was the Boring Truth About Insurance from my point of view.

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Some Tips On Life Insurance

Thursday, October 8th, 2009

Life insurance can be categorized as either “whole life insurance” or “term life insurance”. Essentially, the difference is that whole life insurance is designed to provide coverage for the duration of policyholder’s life while term life insurance provides life for a specified period of the policyholder’s life.

In addition to providing coverage for a lifetime (or until the policyholder reaches 100), whole life insurance also builds up cash value over time. Coverage remains in effect for the policyholder as long as premiums continue to be paid.

Certain benefits are available to whole life insurance policyholders including fixed premiums over the life of the policyholder versus increasing premiums resulting from term life insurance policies. In addition, whole life insurance carries a guaranteed cash value. However, policyholders must maintain current premiums for both whole life and term life insurance to obtain the respective benefits.

Given the steady, predictable payments and payout, whole life is an excellent option for most people thinking about the long term future. Besides being more or less permanent, it also enables you to build up cash value free of taxation. If you decide you don’t like your policy after all, there’s no worries. You can cancel it at any time, and get the the value of insurance in cash.

Whole life insurance policies can be a good investment vehicle. Supporters even argue the cash value should compete with other fixed income investments. A policyholder can end up with a higher cash value than the guaranteed amount (variable policies do not carry guaranteed cash values) if the market performs well or the interest credit rating of the insurer strengthens. Policyholder’s also have the right to borrow against the cash value of the whole life insurance policy enhancing one’s credit profile.

The last attractive basic feature of whole life insurance one should consider, arguably the most valuable, is the opportunity to earn dividends. The dividends are set based on the overall return on its investments for the insurance company. While universal life insurance is often adjusted monthly, interest on whole life policy is adjusted annually.

You should not purchase whole life insurance if you cannot afford it or if there is a good chance that you may not be able to afford it in the future. It’s best, however, to purchase life insurance while you are still young. If term life insurance is all that you are able to afford, that’s better than no policy at all. The higher premiums found on whole life insurance are because they do cover you for the whole of your life; making it worth the higher costs if you are able to afford it. But whatever policy you choose, be sure that you can indeed afford it. Whole-life premiums will never change, and while this is good if you can afford it in the first place, if you cannot it can be very bad. Get life insurance, but get what you can afford. Any coverage is better than none at all.

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Fastest Way To Get An Insurance Quote

Monday, October 5th, 2009

Shopping for insurance quotes online can be difficult though there are hundreds of websites dedicated to providing quotes for their rates, but there’s no easy way to compare one policy to another without filling out a million forms or making dozens of phone calls!But Internet has changed the lives of a number of computer users in several ways. It houses a number of services such as news, music, movies, shopping, air ticketing, software and other similar things. Recently, a number of websites have appeared on the Internet, which is the sale of insurance contributions. The hottest and most insurance is like life insurance among all other insurance available on the Internet. This is a computer language called online shopping.

Using the Internet as a source for obtaining quotes for life insurance and health is saving time, effort and practice. When you complete an application form small they can get instant life insurance quote free of a number of lenders that compete for our business. The conclusion is that online shopping for life insurance quotes to save money and time. The time spent when used to make a number of calls and unit of an insurance agent for others in different neighborhoods in order to get insurance quote, good low life.

In recent times, most insurance lenders have adapted to a new method of selling life insurance quotes online, which is the largest consumer of friendship and help in comparing these estimates with other lenders and savings their money and time. The amounts of money spent by a person in a life insurance is enormous and, therefore, even the smallest of the money these people can be saved, while the comparison of results of life insurance quote online safeguarding the lot at the cancellation policy. Thus, the acts of buying online as a relief to most consumers.

There are a number of reasons why we should go for instant online insurance quotes for getting a life insurance policy. Some of the important ones are discussed here. Firstly, it makes the comparison of wide range of life insurance quotes possible that too instantly without causing any frustration. Secondly, we are at ease while taking important decisions like choosing the right life insurance quote and making sure that the premium which we are taking is the best available in the market and from a top ranked insurance firm. This helps us in providing insurance quotes, which are free of cost, and saves our money by not going for a paid insurance agent. Thirdly, it requires no physical examination and does not require us to provide our medical records. We don’t have to take out few hours from our normal routine to meet the insurance agent and the form that we would have to fill is also a short one.
Registering for an online insurance is very easy job; you just need to perform only few simple steps which take very less time. You only have to fill a form that can be easily done with some additional things.

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