Auto Leasing - Hot or Not?

The Low-Down on Leasing

Does it pay off?

If you’re in the market for a new car, you’re probably considering your payment options alongside various makes and models. Television ads make leasing seem easy and more affordable than financing a car, but what’s the catch?

According to SmartMoney.com, leasing a car has the following advantages:

Low down payment. You can usually talk the car dealer into a lower down payment, but of course, the larger the down payment, the smaller the lease payments.

Low monthly payment. A big lease selling point: your payments will be lower since you’re only paying the depreciation on the car rather than its full value.

The ability to switch it up. If your car is in good shape, you can simply turn it over to the dealership and walk out with something new after your lease term (two or four years) is up.

All of these factors make leasing pretty attractive in the eyes of car buyers. But what about the other side of the coin? SmartMoney offers the following disadvantages:

No equity. Much like leasing an apartment, your car payments don’t go towards owning anything.

Lack of flexibility. Lease terms come with heavy fees for early termination, as well as mileage stipulations. Most lease terms require you to drive no more than 15,000 miles per year. You may be fined for every mile exceeding the mileage specified in your lease term.

Insurance may not cover the worst case scenario. If the car is destroyed or stolen during your lease term, your insurance may only pay for the car’s market value—which may not cover what you owe on the lease. You’ll need to purchase gap insurance to ward against this.

Still not sure whether to buy or lease? Here are a few questions that will help you determine the best option for you:

Are you short on cash? Sometimes situations occur that make purchasing a car a little tougher. Because leasing provides some wiggle room when it comes to down payments and yields lower monthly payments, leasing may be a good option for you. (Of course, the flip side is that buyers use leasing as an excuse to buy out of their budget.)

Do you travel a lot? Run carpool? If so, leasing probably isn’t a good option for you. At the end of your lease term, you’ll be charged for extra mileage, as well as any wear and tear on the vehicle. Alternatively, if you rarely drive, you may be paying more for depreciation than you’re actually causing.

Will you use the car for business? Remember that interest on a car loan is not tax deductible. But, if you lease, you will be able to deduct a portion of your car’s depreciation on your taxes.

Can you foresee major life changes in the near future? If so, a lease probably isn’t in your best interest. Whatever cash you save with a low down and monthly payment may be obliterated if you have to terminate your lease early.

Leasing a car isn’t for everyone. If you’re considering it, make sure you evaluate your lifestyle and budget, and weigh those factors against the advantages (and disadvantages) of leasing. Doing a little homework now will pay off come car buying (or leasing) time.

Essurance Car Insurance

Find Me Insurance

No Physical Life Insurance Choices

Finding Life Insurance With No Medical Exam

It can be very tough to find life insurance with no physical exam, but as the life insurance business gets more competitive we do find more companies that are willing to issue polies with something they call simplified underwriting. Simplified underwriting life insurance means that an applicant will answer some basic health questions, but not be required to take the time and trouble to have a medical exam.

If you wish to protect your privacy or just do not have time to meet with a doctor or medical examiner, then you can often conduct the whole life insurance process online, or over a phone or fax machine!

How No Medical Exam Life Insurance can cost a little more for a very health person than a policy that requires more complete health insurance. At lower face values, the cost difference will probably be very little, but it may be worth it to go through the complete underwriting process for a large amount of life insurance, especially for those who are very healthy. So if you keep your weight and other health factors in very good shape, you should take the time. Otherwise, it probably won't make that much difference.

No Medical Exam Term Life Insurance Quotes are here!

Car Insurance Money Saving Tips

Car Insurance: Money-Saving Tips

Save Money On Car Insurance

Many people lament the purchase of auto insurance. So we’re here to make it less painful. Check out these six money-saving tips and take the sting out of buying insurance.

#1 Raise your deductible. It’s a gamble, sure. You’ll be responsible for a larger amount of the bill should you get into an accident. However, this is a guaranteed way to lower your annual insurance costs.

#2 Shop around. Staying with the same insurance company year after year may not be in your best interest. You can cancel or change your policy at any time—you don’t need to wait for the policy to expire. So shop your insurance every six months and compare prices to ensure you are getting the best deal.

#3 Remove unneeded extras. Although knowing you have towing and rental car coverage may help you sleep at night, those add-ons are rarely used and not necessarily worth the cost. You pay between $10 and $30 a year over the life of your policy to cover towing. And in the unlikely situation that you need a tow, you’ll pay about $100. Likewise, a small economy car costs $20-$25 a day to rent and car rental tacks on another $20-$40 to your insurance bill each year. So you can sleep well knowing that you saved yourself some money.

#4 Protect your credit. More insurers have begun using credit-based insurance scores to determine what you pay for your policy. So paying the water bill on time will actually keep your insurance costs down.

#5 Research discounts. Cars with safety and anti-theft devices cost less to insure. You can also knock off a few bucks if you insure your car and home with the same company. People who abstain from alcohol, get good grades in school or take a driver education course are also rewarded with lower premiums.

#6 Get informed. The easiest way to save on any insurance is to research before you buy. And get recommendations from family and friends.

We make it simple to Compare Auto Insurance with An Online Quote Form!

And now for the shameless plug: shop here: find quotes and be matched with auto insurance agents from your area!

Saved Money On My Car Insurance. Really!

I really did save money on my car insurance by comparing auto insurance rates! After I bought a recent model car, my old car insurance company took the opportunity to increase my rates by about 40%. I had one accident in the last 6 months, but it was minor, and also the only accident in the last 10 years! I thought that was pretty unfair. Well anyway, as soon as I told them I had a newer car, they nailed me for a $60 a month increase!

I let it go at first. But then I called in to make a car payment and the finance company asked me if I'd like to get a car insurance quote from their partner. Well I had some time to I said I would, and boy I am glad I did! The rate they quoted -- for the same car insurance coverage - was half of my present quote, and even less than the old company charged me for my old car!

Instead of calling around, why not find a quick online form to compare car insurance?

Compare Car Insurance Rates the fast, safe, and free way!

How I Saved 50% On My Car Insurance

You can hardly turn on the TV without seeing an ad to save money on car insurance, but I thought it was just hype. However, after I purchased a late model car my own insurance premiums doubled. I let it go, thinking that every car insurance company would charge me the same amount.

Then, when I called in to make my car payment, the customer service representative asked me if I'd like a car insurance quote. Since I had time, and I was a little curious, I said ok. So she turned me over to a car insurance agent from a different company than the one I had used for years.

I was shocked. This agent quoted me a rate that was HALF of what my old company charge me! If you are concerned that your old car insurance company is getting too greedy, maybe it's time for you to COMPARE INSURANCE QUOTES ONLINE with a fast, safe and FREE INTERNET INSURANCE QUOTE FORM!

Life Insurance For Senior Citizens and Over Fifty

Over 50s Life Insurance Made Affordable and Simple to Buy!
By Marilyn Katz

Has Your Life Insurance Expired?

Senior citizens, or even people in mid life, may find themselves without life insurance. When they were younger, they had life insurance. The policy may have been through work, or it may have been a term life insurance policy. Now they are retired, employed with another company, or their term policy expired, and they have no coverage on their life. The theory behind term life insurance is that it will cover a person during the years when they have children at home or a mortgage to pay off. After that point, in theory, obligations will be less and savings should allow the person to have enough money to cover their lives if they pass away.

However, we all know that life does not always work out that way. Sometimes the kids do not become self sufficient as young as they should have, or jobs are lost and mortgages are refinanced or extended with home equity loans. For a number of reasons, a middle aged or senior adult may find themselves with outstanding obligations, little savings, and outstanding obligations they do not want to leave behind if they should pass away.

Some obligations may be debts or mortgages. Some seniors understand that funerals can cost thousands of dollars, and just do not want to leave that bill to their children. Even with a pre-paid funeral plan, other bills always come up after a loved one passes away. Some mourners may have to travel or take time to make arrangements. Sometimes the body has to be transported to the funeral home, and that will be an extra expense not covered under the funeral plan.

On the other hand, an older person may have savings to cover funeral expenses and have their mortgage paid off. They may not be worried about how their spouse will live, or if their children will have to pay for a funeral. But they may just want to leave an estate to their spouse, children, or grandchildren. They know that life insurance benefits are usually tax free. They would like to leave a college fund for their grandchildren, money to fix up the house to their spouse, or they may even have more substantial obligations. For instance, many life insurance policies are used to buy out some beneficiaries from ownership in a business. If they have a business partner who wishes to keep a business, or if one child will inherit, it is a way to pay the other beneficiaries for their share.

Senior Life Insurance and Final Expense Insurance

Many life insurance companies are responding to the need for life insurance company for older people. They created senior life insurance, final expense policies, and even policies that can be issued regardless of current health! Some of these policies have an immediate death benefit, though the guaranteed issue life insurance policies may have a waiting period that is used instead of health questions. However, even if an insured person dies before the waiting period, these type of policies will pay back the premiums with some interest. So, it is possible for almost anybody to find life insurance today!

Learn more about your different options for Over 50s Life Insurance, and then run a fast, safe, and Free Senior Life Insurance Quote.

http://www.247quoteus.com/over50s-life-insurance.html

Article Source: http://EzineArticles.com/?expert=Marilyn_Katz
http://EzineArticles.com/?Over-50s-Life-Insurance-Made-Affordable-and-Simple-to-Buy!&id=832988

Some Medicaid Providers owe 1 Billion in Back Taxes

Yahoo News reported that some medical providers owe over 1 Billion Dollars in Back Taxes. They owe this money while some have a very luxurious lifestyle.

While the candidates talk about health care reform, they usually only bring up poor and middle class people as the problem, along with the government. Whoah here. Obvously the medical profession could stand some scrutiny too. Aren't these the people we have been taught to hold to a higher standard?

For more on insurance and health reform look at Find Me Insurance!

Young Driver Car Insurance Discounts

You know that you need to buy car insurance for your young driver, but you would not be the first parents to be shocked by rates that triple when you teenager gets behind the wheel! You may wonder how you can afford the rates and how other people do it. Let's look at a few tips.

One car insurance agent suggested buying an older car for my teenage driver of a son. Then just buy liability insurance for the older car. The money saved from the premium for full coverage on him would pay for the liability insurance and the older car in monthly payments.

Other advice to get cheaper car insurance prices would be to make sure he maintains good grades and to take an accredited driver safety course. Of course, this advice can not only get him a car accident insurance discount, but also be good advice for lots of reasons!

No Medical Life Insurance with No Physical

No Medical Life Insurance

We all need some life insurance coverage, and nothing is worse than seeing a family suffer a loss when they just put off buying life insurance. The internet has made life insurance companies much more competitive, and not only is life insurance cheaper these days, it is also more convenient! Many life insurance companies offer hundreds of thousands of dollars worth of life insurance without a medical exam!

In fact, with many different types of life insurance on the market, people from age 0 to age 85 can get valuable and affordable life insurance with no medical exam. Look here for No Phyiscal and No Medical Life Insurance.

If you want a higher face value, and are still in your years of working and raising your family, you are probablly looking for a very convenient No Medical Exam Term Life Insurance Policy.

Fill out one fast online quote form, and then sit back, and let the life insurance companies compete for your business!

Online Insurance Information

Here are some more places to find specific information about insurance. As you know, surfing the major search engines can be frustrating sometimes because it can be hard to make the exact search you need.

Find Insurance -- Page On Different Insurance Directories.

Health Assurance - Health Insurance Links and Tips

Life Insurance Guide -- Great Life Insurance Links and Tips

You may have better luck finding the exact insurance and coverage information you need on these simgle page guides than trying to sort out 50,000 results!

Why Get Free Online Insurance Quotes?

You can barely look at a website without seeing an offer for a free insurance quote on the internet. Why do people need to compare quotes anyway?

Well, if you live in the same country I do, the US, you are probably nervous about ripping open a bill because costs are rising. After one accident, I endured a sizable increase on my car insurance. My health insurance seems to inch (or leap) up every time it is renewed. However these industries are competitive, and other insurance companies want our business too.

It takes about 4 minutes to fill out an online insurance quote form, and since you can get free insurance quotes, it hardly makes sense not to compare.

No Medcal Exam Life Insurance

If you are a senior citizen, or if you have had some problems getting health insurance in the past we want to help. Our simple No Medical Exam Life Insurance online quote form can allow you to specify the type of life insurance you are looking for, plus some details about yourself one time. It takes less than five minutes and is very simple.

Then sit back, and let simple issue life insurance companies come and compete for your business. This works if you want No Medical Exam Term Life or No Medical Exam Whole Life Insurance!

Good Luck, and find the valuable coverage you need at the lowest possible rates with http://www.NoMedicalExam.net

Find Insurance on The Internet

If you are looking for insurance resources, like help buying or comparing insurance policies, it can be tough to use the major search engines. When you do a search, you may get so many ads that it can be hard to find the real information you want.

This new insurance directory helps you find insurance online with a couple of mouse clicks! For instance, if you have been approached about mortgage insurance then you can simply click the category to find mortgage insurance quotes and plans.

Try it: http://www.findinsurancepro.com

Whole Life Insurance Is Still A Good Buy For Many!

Whole life insurance has fallen out of fashion these days, but it is still a good solution for many people who want life insurance that does not expire. Other people who may benefit from a lifelong insurance policy are children, older adults, and those with health conditions. Even younger adults may be wise to buy a smaller whole life insurance policy in conjunction with a larger term life insurance policy! The term will expire when the person's needs are lower, but they will still have the whole life policy at the rates they got when they were younger - and it could even be paid off by then!

Learn more about why you should buy whole life insurance here.

Get the scoop on term life insurance vs. whole life insurance vs universal life insurance on this informative page.

Whole Life vs Term Life vs Universal Life

I found a good post on a question that seems to confuse many people who are looking for life insurance: Term vs Whole Life vs Universal Life

I don't want to repeat the whole article, but it gives a basic outline of the three popular forms of life insurance, and which group of people might benefit the most from choosing one over the other.

Whole Life: Permanant - basically for people who want life insurance that does not expire, and that also builds a cash value. Costs more.

Term Life: Temporary from 1 to 30 years years generally. For people with a set limit of time that they need more coverage. I.e. a family to support or a mortgage.

Universal Life: Also an investment vehicle. Also Permanant Life insurance

Term Vs. Whole Life vs Universal Life Insurance

Buy Layoff Insurance

This has been a very big product in the UK for awhile. Now you can buy layoff insurance in the US. It is also known as a supplemental unemployment insurance policy. As you may know, government unemployment benefits barely cover groceries, much less provide enough to pay a mortgage or utility bills!

Supplement unemployment insurance can provide up to $2,000 a month if a person suffers unemployment. Some conditions apply, but basically, if a worker can qualify for state unemployment, then they can qualify for this plan!

If you are concerned about making mortgage payments if you are unemployed or disabled, look into the Best Mortgage Protection online!

No Medical Exam Insurance

We found a new site for those of you with some challenges qualifying for life insurance ... or health or disability insurance for that matter.

It is a website totally dedicated to No Medical Exam Insurance. The site also specialized in simple issue insurance, and has many policies which ask no health questions, or very few health questions.

Find the insurance experts who can get you No Health Questions Insurance or very few health questions. This looks like a good place to go for seniors, people with diabetes or a cancer history, and other issues qualifying for insurance.

If you want insurance with no physicals, and not too many questions go here:
http://www.nomedicalexam.net

Life Insurance Declined

I have found a new site with products for people who have been having problems getting accepted for insurance. If you have been declined for life insurance they have a mortgage protection product with no health questions. You do not need to have a mortgage to qualify actually, but just desire to be able to pay bills in the case of death, disability, or sickness. It even includes mortgage unemployment insurance which would supplement government unemployment benefits. The topper on the product is that it is very affordable!

If you have ever thought about taking out life insurance, disability insurance, hor a hospital indemnity plan, OR if you have considered mortgage unemployment insurance, do not sigh anything until you check out this product!

Mortgage Unemployment Insurance

If you are carrying a mortgage, the news must be making you nervous. We've had record foreclosures and job instability lately. How long could you survive if you lost your job? Would you be able to make your mortgage payments, plus stay current on other bills.

We have found very affordable mortgage unemployment insurance which can also pay other bills. The policies are meant to protect your financial life in case of unemployment, sickness, or disability, and some even have a death benefit! The part part is...NO HEALTH QUESTIONS!

Look into a mortgage protection unemployment insurance plan today.

Car Insurance Estimates

The best way to shave big bucks off of your car insurance premiums is to perform some online car insurance estimates with simple quote forms. Since your car insurance premiums depend upon many factors, you will need to enter some details in order to get accurate quotes to compare, and not just ballpark estimates!

Instead of having to call around to a half dozen insurance agents or companies, simply fill out one form that will take about 4 minutes. Then get competitive car insurance rates and plans delivered to you!

Car Insurance Estimates

Compare Health Insurance Rates Online To Save Money

If you have been shocked by rising health insurance rates, or just now in the market to find a family health insurance policy you need to be aware of a few things. Your rates will be influenced by your zip code, health history, age, and can even be affected by your credit score!

Different health insurance companies judge risks differently when they offer somebody a health insurance plan. Of course, pre existing conditions and unhealthy habits can make rates higher. On the other hand, steps you take to protect your health like maintaining a normal weight can earn you substantial discounts!

It would take forever to call around and give each insurance company your detailed information to make sure you had the best offer you could get. With the price of health insurance, you need to do some shopping though. We provide a fast, safe, and free online form. Fill your information out one time, and sit back to let insurance companies make you multiple offers on health care plans!

Compare Health Insurance Plans & Rates Online!

Compare Insurance Rates Online

Compare Insurance Rates The Easy Way!

You know that your car insurance rates depend upon many factors! The zip code where you park your car, your prior driving record, your age, and even your credit report can affect your car insurance premiums! Even the way you use your car, for work or errands, can make your car insurance rates go up or down.

It will take a long time to call around and set appointments with a lot of insurance agents in order to give them the detailed information that will get you accurate quotes. Compare Car Insurance Rates Online to be able to fill out your information one time, and then get back competitive rate quotes!

Free Internet Auto Insurance Quotes are fast, safe, and free at http://www.247quoteus.com

No Health Insurance For a Record Number of Americans!

Yahoo Finance reported that a Record Number of Americans Lacked Health Insurance.

The problem is even growing with kids, despite Medicaid and Chips programs. More private employers are dropping children from coverage or pushing the premiums up so families cannot afford them. I wonder why children are not getting enrolled in Chips programs though.

Gail Shearer, health policy director at Consumers Union, publisher of Consumer Reports, said Congress and the Bush administration should immediately "rededicate" themselves to expanding health insurance coverage.

"This substantial increase in the uninsured should get everyone's attention," she added in a prepared statement. "We should not have to wait until the next president takes office to deal with this very real problem. Congress and the President ought to commit to expanding coverage now."

If you have lost your company health insurance, or need to find an individual plan you can afford, try our internet health insurance quote form!

E Health Insurance Plans

Internet Motorcycle Insurance Quotes

If you ride any type of motorcycle, be it a Harley, BMW, or Honda, you know you need insurance. In that way a motorcycle is no different than a car, except motorcycle insurance policies can be tricky.

Motorcycle riders may be considered high risk drivers by auto insurance companies, but you can research discounts. If you have a good driving history, take a motorcycle safety course, use one insurance company for multiple policies, or install safety features, you may be eligable for motorcycle insurance discounts.

Compare motorcycle insurance on the internet before you buy!

Internet Insurance Quotes

247QuoteUS.com has been leading the charge in providing free internet insurance quotes for years. Now they have completed a site redesign which should help visitors in a couple of ways.

First the pages are cleaner, and navigation is simpler to find and use. Visitors should be able to slide right into the type of insurance quote or insurance article they need.

Second, they cleaned up the "code" behind the scenes so pages should load better, and visiting 247QUoteUS.com should be a slicker and faster visit on the worldwide web!

Car Insurance Basics

Before you shop for car insurance, catch some Car Insurance Basics at the article in the link. The differences between liability, comprehensive, collision insurance, etc. are outlined.

The article also gives your the positives and negatives of dropping collision insurance to save money, and gives you some other ways to save money.

If you are shopping for car insurance, use our fast online form to get the best car insurance rates from local agents!

Flood Insurance Programs for Flood Season

Flood Insurance Programs

We tend to think of flood insurance in coastal areas because of the severe tropical storms of the last few years. Of course, flood insurance is a very real need to protect homes and business against flood damage. Most home insurance policies do not cover flood insurance, and it must be purchased as another policy.

Flood insurance may purchased privately in some locations, but in high risk areas, you may need to purchase from the FEMA national flood insurance program.

Flood damage happens in all 50 states, and may be responsible for 90% of storm damage, according to the National Flood Insurance program.

Flood Insurance Information.

Teen Insurance and Back To School!

Got the teenage drive insurance blues?

If you have a young driver in your household, you may have already had car insurance sticker shock! We've heard of car insurance bills doubling and tripling over the rates the experienced driver parents were paying before. It is true that drivers under 25 usually have the highest car insurance premiums, and you males have rates that are higher than their female contemporaries.

However, if your young driver is taking his wheels back to shool, you may be able to do a few things to contain the cost! First, good student discounts have been around for a long time. Just as young drivers are assumed to be larger risks than more mature and experienced drivers, good students are considered better risks than students who do not maintain at least a B averge.

The National Safety Council also has information on accredited driver safety courses, and insurance companies will offer a discount for courses like this. Also, if you make sure the vehicle is equiped with safety features, then insurance companies will take the actual car into account.

Student Driver Insurance or Young Driver Insurance Bills are steep, especially for boys! But you can certainly find some discounts to take the edge off!

Compare Care Insurance Rates with One Short Form

Medicare Advantage Plans Come in Different Types for Different Folks

Medicare Advantage Health Plans

The FEE FOR SERVICE Medicare Advantage Health plans got a bad rap lately, and they may have deserved it. They just didn't go far enough to make sure that medical professionals were familiar with their insurance, and seemed to just assume that all doctors and hospitals would take them!

The problem is that many doctors did not take them, not really because the plans were bad, but because they were unfamiliar. So senior patients were understandably upset and confused, and another health care crisis looms.

Medicare Advantage Plans can also come in different types with a good history of satisfying their clients. Local HMO plans provide many value added services like transportation, dental, and vision which really help out tight budgets. Some Medicare Advantage plans only serve those with special health care needs like congestive heart failure or diabetes. Others are PPO plans where there is a list of doctors who are already lined up to take the plans, but insured people have the option of finding other doctors outside the plan if they choose.

The right Medicare Advantage plan can make it simple and cost effective to obtain quality medical care, especially for seniors on moderate incomes.

Get a Medicare Health Quote Online!

Talk to a Medicare Advantage Expert.

Senior Health -- One Size Does Not Fit All!

We all have different fingerprints! In the same vein we have different financial situations and health conditions. That is why a good insurance agent cannot approach a potential senior client and tell them that one particular Medicare health plan would be right for everybody!

Medicare supplements come in an alphabet soup of plans. Medicare Advantage plans also have different structures from HMOs to so-called Any Doc plans. Some Medicare Advantage plans were even created to cater to the particular needs of those with health conditions.

You may be able to make better use out of your medicare benefits, and be able to save money at the same time.

Get a Free Medicare Health Insurance Quote Here or Look for the profoessionals at Trusted Senior Specialists.

Medicare Advantage Cuts would hurt the poorest seniors

Well, the proposed Medicare Advantage cuts are all but dead. I hope they stay dead! The cuts would hurt the poorest of our seniors, and really cut through the minority communities.

Medicare News Today reports that advocacy groups rose up to kill the bill. Look, I'm all for more help for children's health insurance, but we shouldn't have to take benefits from poor seniors to do it!

Now if Congress can find a way to provide better benefits to seniors, childrens, and the rest of us without cutting benfits to the most vulnerable, I'd be happy to see it!

If you'd like more help getting the best use of your Medicare Benefits, get free Medicare Benefits Help Here!

If you'd like a free online health insurance quote, check with 247QuoteUS.com!

Best Medicare Health Plans

What is the best way to make the most of Medicare health benefits? Well, if we were all alike I could answer the question. Obviously every Medicare recipient has different expectations and needs.

However Medicare health plans were created for senior citizens and disabled people in many different situations. A senior citizen who is very picky about their choice of doctors and can afford a medicare supplement would not want the same Medicare health plan as a chronically ill individual who had a very tight budget. However, a tight budget or specific health needs do not need to exclude a suitable Medicare health plan.

The Best Medicare health Plan for you will depend upon You! Learn more about finding a great plan for your own situation, and also find free online information about Medicare health benefits.

Free Online Medicare Health and Prescription Plan Quotes

Free Online Health Insurance Quotes

Extended Auto Warranties

One purchase I made along with my new car that I never had cause to regret was an extended auto warranty. Now, at the time, I got mine at the dealer. Now, I have found that you do not need to buy them at the dealership. In fact, extended auto warranties can cost much less if you buy them directly from the company because you are not paying dealer commissions.

Here are some benefits of an extended auto warranty!


Save thousands on costly repairs
0% interest-free financing
You choose the repair location
24 hour roadside assistance, rental benefits, extended towing benefits
We pay the repair bills, not you

You can imagine that car ac or major engine repair will make you happy that you've chosen to pay for a little protection up front!


Extended Car Warranty Direct

Cheaper Extended Car Warranties with more information!

Texas Medicare and Chronic Health Plans

I read an interesting article on a Texas Medicare Site which probably applies nationwide. It would be of great internet if you are on Medicare Part A and B, or if you are a caregiver for a Medicare covered person.

It applies to seniors, and others on Medicare, who have chronic health conditions like diabetes, congestive heart failure, COPD, dementia, etc. The individuals could still be living on their own, in assisted living, or in a nursing home. Apparently, specialized health plans exist to care for Medicare covered people in these different situations, and with chronic care conditions. Some plans even help out the caregivers!

If you are on Medicare and are disabled, or have a chronic health problem, OR if you are the caregiver for somebody like this, be sure and read about Medicare and Chronic Health Conditions.

Workers Compensation Insurance

I found a workers compensation insurance website which promises to be a handy resource for workers and businessmen. It looks like a work in progress right now, but so far have some general outlines and the state of Texas Workers Compensation Department Office.

I know that the Department of Labor has some contact information, but since workers comp is usually state specific, it's good to have a place to find individual state workers compensation information.

The Business Insurance Store also has Workmans Compensation Insurance Information online.

Is your Home or Car Insurance Company Still A Good Neighbor?

Is Your Insurance Company Pulling Out?

The word is out that Allstate is pulling out of Virgina and other coastal states. Apparently changine climate conditions have made these places a poor risk. I'm not sure if other companies have pulled out lately, and if this effects home insurance only - or car insurance as well.

Anyway, if you have gotten a termination notice from your own insurance company, you may need to do some quick insurance shopping. Remember, you are protecting some of your biggest investments - your home and your car - the place you live, and your transportation -- so try not to make your decision impulsively or in a panic.

If rates have gone up, look for multiple policy discounts. Auto home discounts, or having more than one car insurance policy with the same company may help out some. If that still doesn't shave enough off the rate, find out how much a small increase in the deductible will help you out.

Online Insurance Quotes are a quick and easy way to compare insurance online! We suggest 247QuoteUS.com because they explain the various types of home insurance, like homeowners insurance, renters insurance, landlord insurance, and condo owners insurance. They also use an online home insurance system that runs on a secure system, has a stated privacy, and works with the BBB online program.

Compare Home Insurance Here

Dental Discount Plans FAQ

Don't just run out and buy the first dental plan you hear about. You can use online systems to compare features, costs, and most important - find out if the dental discount plan works with your local dentist or other dental care provider!

Compare Dental Discount plans here.

Also read some Frequently Asked Questions (FAQ) about dental discount plans in this article.

You will be much more likely to be happy with your choice of any dental or health plan if you have researched it first!

Cheaper Cars To Insurance

The good folks at 247QuoteUS.com have posted an interesting article about what makes a car cheaper to insure. Of course it all has to do with the statistics that insurance companies have on different cars, and on those cars with safety features. The important points are car safety, technology, possiblity of theft, and how easy the cars are to repair if they should be damaged.

As we know, and as the article points out, the actual car is not the only factor in a premium payment. Actually - I would imagine - the driver's history (or lack of one) plays a much bigger role. If you've ever put a teenager on your auto insurance policy you will know what I mean!

Go check it out anyway - Cheaper Cars To Insure.

If it all seems to complicated, read why you should get an online car insurance quote.

Life Insurance Buying Guide

I surfed around and found a life insurance buying guide on Squidoo!

Sometimes Squidoo Lenses (if you aren't familiar with the term) just contains thinly disguised ads, but this one contained links to all sorts of good information for insurance shoppers - including insurance calculators, consumer insurance shopping tips, and more.

Squidoo Lenses are simply one page websites that individuals put up on topics they are interested in. It looks like an insurance agent did this one.

Annuity Shopping Guide

Annuities can be a wonderful investment vehicle for everybody from young savers to senior citizens. They offer the advantage of tax deferred growth, and some tax qualified annuities even allow you to tax defer your contributions. Furthermore, man annuities offer a guarantee on your principle, and some with even a stated return rate. In addition, the top end can be tied to common stock market indicators, so your average returns will be much higher than with a savings account or CD.

Furthermore, a younger person can make periodic contributions to a deferred annuity to build wealth for retirement. A retiree can purchase an immediate annuity to roll over funds and receive monthly payments. Since annuities are flexible, offer good returns, investment safety, and tax benefits, they have become a popular investment.

However, you still need to shop carefully. Some annuities are front loaded, which means that your principal will decrease the minute you invest. If they are not front, loaded they wil certainly come with a surrender charge. In other words, you will incur a charge of a decreasing percentage of your investment if you withdraw your funds before an agreed upon length of time has passed.

Furthermore, even though many annuities guarantee your principal, some do not. Make certain that you understand which type of annuity you are buying before you purchase. Your stage in life, the amount you have to invest, and your risk tolerance will determine which product is right for you.

Use our quick only form to
Compare Annuities!

Discount Car Insurance -- The True Cost

The true cost of discount car insurance may not be in the premiums. I just had a minor car accident, and I'm so happy that I did not succumb to the temptation to switch to a cheaper plan a few weeks ago! I have not had an accident for a long time, but I had been judged at fault in this one. Nobody was hurt, but my car had about $1500 of damage, plus the truck I backed into had some minor damage.

I kept my comprehensive coverage, despite the fact that my car is a few years old and paid for. (Yeah for paid off cars!). I also made sure my insurance covered a rental car for the time my own vehicle spent in the body shop. I did raise my deductible to $500 - but I knew that while the expense would annoy me, it was an amount I could afford.

Anyway, I got my car fixed with very little inconvenience. The adjuster even worked with me on the car rental situation because I planned to be on vacation for a few days after my car was scheduled to be fixed.

Now I could have saved $20 a month by switching to Brand X, but if I had given up my collision insurance and only kept liability that decision would have cost me $1000! In addition, I would not have had rental car coverage, so I would have been without wheels or spent another $400 on a rental myself.

I would have to pay premiums for several months to save $1400! Think about your situation before you cut out benefits to save a few dollars every month!

If you are unhappy with your current car insurance, or if you want to find a high quality insurance plan for less, get free online car insurance quotes!

Free RX Discount Card

FreeSamples.ws is one of my favorite blogs, because they have free stuff! They just posted an offer for a discount prescription card. Why is this one better than other discount prescription cards? Well, it's free!

Free Discount Prescription Card -- this one is good at major pharmacies like Wal-mart, Walgreens, Target, and many more! It may also be good at your local pharmacy. Be sure and use the online pharmacy lookup to make sure that your local pharmacy is on the list.

It promises to save you up to 50% on generic prescriptions and up to 15% on brand name drugs. If you do not have drug coverage, or if you have not hit your pharmacy deductible, this may save you some cash!

You can fill out a short form and get your free prescription drug card right away. Print it online. Why not? It's free.

Homeowners Insurance Premiums -- Stop The Bleeding

Pare down those home insurance rates today!

One of the signifigant costs of home ownership is homeowners insurance, though many of us don't even really spend a lot of time thinking about it. If you have a mortgage, your lender probably requires you to carry homeowners insurance. Even if your home is free and clear, you will probably be prudent to carry a homeowners insurance policy to protect your house and property against theft, accidents, or damage. Consider how you would pay for damage caused by a storm or theft, or consider how you would defend yourself if somebody is injured on your property and claim it is your fault.

Shop Around!

Your premiums are affected by where you live, your claim history, and even your credit report. A past claim or credit problem should not affect your rates forever! Also, you may be entitled to a discount because of safety protection you have installed, a professional or association membership, or by using the same company for your car and home insurance!

On line insurance quoting systems make it very easy to compare rates available in your neighborhood.

Consider the Deductible

If your deductible is $250, you may save over 20 percent by raising it to $1,000. If you could afford $1,000 if you do have a claim, consider a higher deductible policy. If your homeowners insurance is $150 a month right now, then you can save the extra $750 over the course of a couple of years.

If you are shopping for a new home, consider the cost of homeowners insurance when you are estimating your total costs.

Compare Home Insurance Online Here!

Rental Car Insurance - Do We Need It?

I know you've probably been renting a car, and been asked at the desk if you need to buy the extra insurance. The extra insurance can really add up over a few days, but I have learned the hard way that it can be much more costly to do without insurance when you need it! Since I own a car, and of course, carry car insurance, I did not know if I needed extra coverage from the car rental counter or not.

If you've been wondering about rental car insurance, check out BestInsuranceUS.com for an informative article.

It appears that the answer depends upon your situation, and that for those of us with good car insurance, extra rental car insurance might not be absolutely needed - but may be considered. Of course, if you do not own a car and have car insurance, you will need to purchase coverage or risk a huge liability!

If you're not happy with your current car insurance, compare insurance online with one fast, safe, and free online form!

Top Insurance Tips

We just found out the strongest ranked article pages (i.e. not the main page) from one of our favorite insurance websites - 247QuoteUS.com. This insurance website is managed by a licensed insurance agent, and contains an article blog, as well as static pages where you can get online quotes.


Here we go - These are mostly specific insurance news or consumer articles:

Dental Insurance

Insurance is Cheaper if You Don't Smoke - Duh!

What You Should Know About Dental Plans

What is Mortgage Protection Insurance?

John Edwards Weighs in on Health Insurance

Mexican Car Insurance for Border Trips

How Insurance Agents Can Help More People

Should You Buy Mortgage Protection Life Insurance?

Health Insurance 101 - Tips for Affordable Health Insurance

CNN Money published an a simple, yet informative article on saving money while shipping for health insurance. They arranged it as a top 10 tip article, and here's a quick review.

1. Insurance can cost a lot, but no insurance can cost a lot more!
2. If you can access employer health insurance, you may want to grab it!
3. Comparing health insurance plans can be confusing, but will increase your satisfaction in the long run.
4. Low premiums don't always mean cheap plans. The bargain plan may not save you money in the long run.
5. Even good coverage can have big loopholes. Don't expect your insurance to pay for everything. Consider deductibles, maximums, copays, etc.
6. Check out networks (i.e. PPO networks) before signing up.
7. Consider keeping your insurance if you lose your job. Of course, you'll usually have to pay the entire amount.
8. You usually pay more for freedom. I.e. a plan with a network usually costs you less, but is more restrictive.
9. Working couples need to consider which spouse's insurance to take.
10. Tax breaks can help. You may be able to deduct medical expenses or premiums.

Check out the article. Then get an idea of what health insurance should cost by comparing health insurance online!

How Private Health Insuance Works

Private Health Insurance Facts

The Kaiser Family Foundation has posted a primer on how private health insurance really works. The primer discusses the types of health plans like PPO, HMO, etc. It also discusses mandated benefits that must be provided by certain types of health insurance plans. Their is also a section on solutions for individuals who are considered high risk. In other words, each state has solutions for individuals who are declined by private health insurance, and these are outlined.

Another place to go for help if you are condidering private health insurance is your state insurance commission. We have a list of 50 state US Health Insurance Departments.

If you are shopping for health insurance, your options will vary by state and city. Get Free Online Insurance Quotes and Information here.

Mortgage Life Insurancce

If you have purchased a new home recently, you have certainly gotten plenty of advertisements for mortgage life insurance! You might get a postcard or letter which asks you if you want to protect your new investment in case of death or disability, and offers a refund of premium as well!

Well mortgage life insurance is a great product, but you probably want to take some care. Your first price offer may not be the cheapest. Each agent may want to set up an appointment with you, and it can take a lot of time to visit with each agent to find out the price.

Get the answers you need online with one simple, no obligation form. This is new, and a very simple way to compare prices! If you would like to make sure your house will be paid off in the event of your death, even if you have not refinanced or purchases recently, start researching prices online. We have found price variations of hundreds of dollars a year.

Find out How Much Mortgage Insurance Should Cost Here

Who Needs Car Gap Insurance?

Did the Dealer Try to Sell You Auto Gap Insurance?

Lots of of us could use car gap insurance at some point. If you're upside down on your loan, you regular insurance policy probably only covers the damage on your car up to the book value. As you know, your car loses 20% of its value the minute you drive it off the lot. Furthermore, lots of us are rolling over our trade in loan into a new car loan. These fact make it easy to owe more on our cars than they are valued for.

Hey, don't feel bad. To me, a car is worth what it's worth. i.e. it is worth the value of the transportation it provides. Besides if you spend too much time worrying about owing more than the value you can go nuts!

Anyay, dealers sell a product called Auto Gap Insurance which picks up where your regular comprehensive insurance leaves off. Lets say you bought a car for $20,000. You totalled your car 12 weeks later, but now the book value is only $16,000 - because techincally it is used. You still owe $20,000. That's where gap insurance comes in. It ill pick up the other $4,000.

Dealers tend to charge $700 or more for this protection, but you can purchase Gap Insurance Online Direct. Learn About Buying Car Insurance Direct For Less.

Your other option is to find a comprehensive car insurance policy that will cover the finance amount of your car. Compare comprehensive car insurance here.

Costs of Health Care Procedures

How Much Will a Health Producedure Cost?

Even if you have health insurance, you may have a fairly high yearly deductible. If you do not have health insurance, and need health care, you will be writing a check for sure. One thing you may be afraid to ask your doctor or health care provider is, how much will it cost?

One health insurance company publishes the cost of common health procedures inside their member's website. They know that many members have chosen a higher deductible health insurance plan to save on monthly premiums, and may be concerned if the doctor prescribes a medication, lab test, or other procedure.

Here is a sample of some prodedures. Keep in mind, this data was published assuming the member would use in-network PPO services. This means that the prices are negotiated. The thing is - as we've stated before - people without health insurance PAY MORE than patients with health insurance! So even if an invididual saves by buying a very high deductible health plan, and the procedure does not meet that deductible, money will still be saved! Quote Various Health Insurance Plans Here!

Here we go! Keep in mind that these are averages, and your costs may differ!

Ultrasound: In Network $231 Out of Network (uninsured) $362
Emergency Room: In Network: $1,262 Out of Network: $1,822
Colonoscopy/Sigmoidoscopy: In Network: $1,307 Out of Network: $2,440
Heart Failure Requiring a Hospital Stay and Follow Up Visits: $12,160 *
* Note that only in network costs are available. We can assume that the costs will be considerably higher if an individual is Out Of Network Or Uninsured!


If you cannot write a check for one of these procedures, you may consider finding affordable health insurance!

Do I need insurance to Rent a Car?

Obviously, you do need insurance to rent a car. You may have adequate coverage under you own personal insurance company. Your own insurance probably covers a rental car if you have comprehensive, collision, and liability insurance coverage. Of course, before you rent a car, you should call your insurance company to verify your coverage!

Many credit card companies also provide car rental insurance, so when you decide which credit card you want to use to rent your car, call them to see what coverage they provide.

Of course, if you do not own a car, you may not have insurance. Every US state requires proof of financial responsibility to drive a car. This usually means you need to have, at least liability insurance. Of course, since you don't own the car, you would be responsible for damages as well. If you don't rent a car very often, you may be able to purchase this type of insurance at the counter when you rent. Make sure you verify that this meets, at least, the state minimum requirement.

If you rent a car very often for business or pleasure, then you can purchase a non owner policy. This policy covers you, as a driver, rather than a specific car. These types of policy usually only cost a few hundred dollars, and they will give you peace of mind, as well as meet legal requirements for driving.

Free Online Insurance Quotes

Insurance Surfing - Top Consumer Tip Articles Today!

I don't know if you have seen Squidoo Lenses yet. They contain user generated content, called a lens. I did not expect to find some many insurance related articles in a place like that! Since it is almost the week-end, and I don't have a hot topic to post on right now, I'll direct you to some great insurance articles here.

ROP LIFE INSURANCE RIDERS = Return of Premium

Life Insurance Guide

Homeowners and Renters Insurance : Types and How To Buy

...and for insurance agents....
Connect with Insurance Customers on the Internet!

Have Fun, and Have A Great Week-end!

How To Buy Life Insurance

Life Insurance Buying Guide

Many people decide they need a life insurance policy, but really don't understand the different types of life insurance. Actually, I've talked to many people who already had life insurance, and they didn't even know what they had! It is important to understand what you are buying before you sign a contract, and also to understand what you need.

If you look at the Life Insurance Guide, you will find three basic types of life insurance. Term insurance is probably the most popular, especially with people who are in their earning and child raising years. Since you buy the insurance for a specific number of years (term), it is the cheapest type of insurance, and you can get a larger death benefit for your money. Simple term life insurance does not accrue any cash value though, so if you outlife your life insurance policy (and we hope you do), you will not have any value left in your policy.

A popular rider to life insurance is Return of Premium (ROP) Life Insurance. This rider will give you back the value of all of your premiums if you keep the policy until the term ends, and of course, if you survive the policy. This option costs a little more, but may be a valuable way to get a nice check back for outliving your life insurance policy.

On the other hand, whole life insurance is permanant insurance, so it will cover the insurance until they die, as long as premiums are paid. It will also grow a cash value, though rates are probably not competitive with other investments. Whole life insurance is more expensive than term.

A third type of insurance is called Universal Life Insurance. It is also a permanant life insurance policy, does have a cash value, and may pay a more competitive return rate than whole life. If you are considering Universal Life Insurance as an investment, however, be aware that a substantial portion of your monthly payment will go towards the cost of insurance.

Zero Premium Life Insurance - Hot or Scam?

There's a hot new product being promoted to life insurance agents, called zero premium life! Trusted MD has posted a cautionary article in the "looks to good to be true" category. The idea behind this product is that a group of investors will pay the insurance premium for senior between the ages of 65 and 85. The face value of the policy would be $50,000, and when the senior dies, their beneficiaries would get $15,000. The investor, who paid the premium, would collect $35,000.

Life Insurance Calculators.

This sounds like a win-win situations for seniors, especially those on lower incomes. They have enough life insurance to pay for final expenses like debt settlement and funerals, and they don't have to burden their kids with problems after they pass away.

However, the big problem with this whole plan is a central concept to legally selling life insurance, and that is INSURABLE INTEREST. This means that the beneficiary of a life insurance policy must have something to lose if the insured passes away. A business partner might lose an essential person in their company, a child or spouse may have to settle debts and plan a funeral, etc. Typically, beneficiaries to life insurance policies are spouses, siblings, children, or business partners of the insured. These types of relationships are usually considered legitimate. And in fact, the relationship of each beneficiary must be specified on every life insurance application.

Now, consider a life insurance policy where the beneficiary does not have an insurable interest. Wouldn't this give that beneficiary an incentive to hasten the insured's passing of the mortal coil. They have nothing to lose if the insured dies, and everything to gain.

Now, I'm not saying that the investors behind zero premium life insurance are planning mass murder. I'm just saying that the test of Insurable Interest has a Very GOOD REASON for existing. Anyway, so far it doesn't look like any state insurance commmissions have actually approved zero premium life. Find State Insurance Departments for The US.

If you are a consumer and have been approached about a product like this, do not sign anything until you check with your state insurance department! If you are an agent, you should know enough to do this anyway - but insurance agents are human too.

Look for approved, affordable Life Insurance Online at the Life Insurance Calculator Page.

Zero Premium Life ?????

InsureBlog posted a warning about a new product called zero premium life that is being promoted to agents right now, mostly for sale to seniors.

On the surface it sounds great! Here is the scenario. A company will pay for the premiums for a life insurance policy with a face value of $50,000. The applicant for the life insurance policy (i.e. a senior citizen) will have coverage for $15,000 upon death. This is a good amount to cover funeral expenses, settle debts, etc. The company that pays the premiums will get $35,000 in return for paying the premium.

The only problem here is something called insurable interest. Any new life insurance agent learns that a beneficiary of a life insurance policy must have an insurance interest. In other words, you can leave your life insurance to your wife, kids, business parter, etc....somebody who will be affected by your death. You cannot leave your life insurance to a complete stranger on the street. Imagine if you could!

I would imagine the number of 'accidents' or murders would increase. Now I'm not saying that zero premium life fronts a bunch of murderers or anything, but I'm am saying that it looks illegal in the US!

Now go find out how much life insurance costs. It's not that expensive. Pay for it, and know that it's real!

ROP Life and Mortgage Life Insurance - What Is It????

Lots of people get approached about ROP or Return Of Premium Riders on their life insurance. This rider will refund your premiums if you survive the life insurance policy, which makes it sort of nice. If you die, your heirs get the face value of the policy. If you live (which is what we all want), you get your premiums back in one nice chunk. If you have a 20 or 30 year term policy, it may not seem like much when you write a check every month, but after decades pass, you can get tens of thousands of dollars back!

So how much can you get back? I'm glad you asked. I have a Return of Premium Life Insurance Calculator here.

I also have a neat little Life Insurance Guide Here!

Buying Life Insurance When You Are HIV +

I felt the need to comment on a question I saw on another website, because I thought the answer was incomplete. A visitor disclosed that she was HIV positive, and wondered if it would be possible to purchase life insurance. Even though this question related to HIV positive or AIDS, it could be applied to other serious diseases like cancer.

The 'expert' replied that it would be impossible unless the applicant could be included on a large group life insurance plan. Now a group life insurance plan may be a good choice, but it is not the only solution.

Guaranteed Issue Plans are quite popular, and they can be written on HIV Positive individuals. They usually come with lower face amount, but they work like this: If an applicant does not choose to answer the health questions: they just say NO. Then the policy switches to one that pays out on the face value after 2 or 3 years of survival. If the applicant passes away before the 2 or 3 years then the insurance usually refunds the premiums paid, plus some interest rate like five or ten percent.

All In All this type of life insurance is not a bad deal, and gives the applicant a no-lose situation. If they survive the set term of 2 or 3 years, they will have a full life insurance policy. If they pass away before the term, premiums are refunded with interest.

Life Insurance Calculator to Determine Your Needs and Rates!

How To Get Cheaper Car Insurance

The Car Insurance Blog gives great tips on reducing car insurance rates by using online tools to compare local plans. As you know, car insurance rates vary by zip code, driving history, age, and even your credit report.

However, different national companies will value these factors differently, so it is important to get quotes that are individual for you, and the drivers in your family. It's like assurance or essurance - that you are getting the cheapest rates on auto insurance.

However, when you are looking for cheap rates make sure that you are also getting the coverage you need. Many people save $15 a month by terminating their comprehensive coverage - and only keeping liability insurance - however, if you are at fault in a wreck - you won't have any help repairing your car - so is that worth it????

You can also look for lo cost commercial car insurance at the businessinsurancestore.com - If you have a small business your personal policy may not cover you for business use. That's a pretty big gample.

Smoker Supported Health Plan

I picked this up on the InsureBlog. Apparently smokers will subsidize (via taxes) a state supported health insurance plan for lower income residents of Indiana.

It seems like a step in the right direction. Money will be available for preventative car and medical treatments. The income levels of about 20k for individuals and 40k for families are fairly low, considering those with pre-existing conditions are usually at the most risk for being uninsured. A great program would take that into consideration, but it's a step.... a step.....

Does Your Business Have Group Health Insurance

Many businesses are doing without Group Health Insurance, or they are scaling back their benefits. As a small business owner, I understand the expense of providing group health insurance. I also know that it is one benefit that quality employees desire, and it helps to attract and keep good people!

The Business Insurance Store has an article on reasons to have a group health insurance policy, and also ways to keep it more affordable.

If you need to shop for group health insurance, here's an easy way to get quotes online!

Does Your Business Need Commercial Car Insurance?

Many people who run small businesses, especially home businesses, use their personal cars for work. They even lend their cars to employees for business related meetings and errands. However, you may be leaving yourself open to a big liablity. Your personal car insurance may not cover your car for business use, or it may have a limit on liability that will not be sufficient.

The Business Insurance Store tells you how to determine if you need commercial car insurance. Sometimes you can also add a rider onto your personal policy that will protect you. However, if your employees also drive their cars for business related work, it may not be simple to require them to increase their personal policies as well.

Grab Quick Personal or Commercial Car Insurance Quotes Online!

Affordable Health Insurance - The Quest!

You may not think you can afford health insurance for yourself or your family. However, many companies offer a variety of options and coverage which can keep your health insurance premium low enough to squeeze in your budget. Now I didn't say it would be cheap or anything, but somewhere below jaw dropping!

You can look for a PPO (Preferred Provider Organization) or an HSA (Health Savings Account) with a variety of coverage option and deductibles. Some plans even include maternity options (Depending Upon Your State), accident insurance, and prescription coverage.

Visit This Page for Free Online Health Insurance Quotes.

How Key Man Life Insurance May Save Your Company!

Nobody wants to contemplate the death of one of your business leaders or experts. However, I'm sure you can think of a couple of people in your company who are essential, and maybe one of them is yourself. A smaller company probably carries even more risk, and many small businesses really revolve, and derive most of their value, from one or two people. However, even larger companies are lead by a small group of people, and their absense would impact performance.

Many companies consider Key Man Insurance to ensure the livelihood of the company. In the event of the death of key personal, the money can be used to pay off debt and keep creditors at bay, find a replacement for the deceased, buy out the deceased's shares in the company (buy-sell agreement), or even help to supplement the income of the deceased's family.

All key man insurance really is - is a life insurance policy - usually a term life insurance policy based on the estimated working years of the key people. You shouldn't just consider upper management for key man life insurance. Key technical people who would be expensive to replace should also be considered.

I worked at one techincal company, and a fairly young (49 years old) technical leader went home one week-end. He died of a heart attack on Saturday night, and did not return on Monday. In addition to the shock and grief we felt, our project team lacked its technical leadership. We needed time to train for his share of duties, and to hire outside expertise.

Get Quick Life and Key Man Insurance Quotes Here

Cheap Car Insurance - Is it Really?

Are you really getting cheap insurance when you respond to an advertisement on TV or through the phone?

I have some thoughts that agressive marketing may convince you to raise deductibles, lower limits, and cut out some benefits to save money. However if you do have an accident or somebody steals your car, will you really save money?

I love my car insurance guy and he advised me to keep my comprehensive insurance even though my car was five years old! It only cost an extra 15 bucks a month, and it would save me from a disaster if I did have an accident.

Get some ways to really compare prices and policies so you can get cheaper car insurance!

Diabetes Health Care

One of the most common issues with individual health care are diabetics. Many diabetics manage their condition very well, either with diet and excercisse, medications like glucophage, or insulin, and go on to live long productive lives. However most health insurance companies decline diabetics on an individual basis.

A few heath plans will accept diabetics but usually give them substantial rate ups, and these are usually structured benefit plans like United American, and not major medical insurance policies.

Every state does have some kind of high risk health insurance program - a category diabetics would fall into - but they do charge high premiums for these in many states!

I found a Diabetic Care Blog which addresses health issues for diabetics. If you are diabetic, and looking for health information or health insurance discussions I would refer you there.

Car Gap Insurance

Car Gap Insurance

Free Gap Insurance Quote


If you have just purchased a new or used car, you know that it depreciates about 20% the minute you drive it off the lot! If your car is wrecked or stolen it could be declared a total loss by your car insurance company, and they will only want to pay you book value. Most insurance policies will not pay replacement value. Even for a modest $20,000 car loan, you could lose $4,000! The more expensive your car is, the more you will lose.

Gap insurance protects you for the loan value on your car. But dealers want to charge you between $500 and $800 for car gap insurance. You can buy gap insurance direct and online for much less, and these are the same types of policies you would buy at the car dealer.

FOR US CAR GAP INSURANCE, GET A FREE QUOTE AND LEARN MORE HERE...

FOR FREE UK AND EUROPEAN CAR GAP INSURANCE QUOTES, CHECK HERE.

US Insurance in 50 States and DC!

Use our handy US insurance map selector to pick local quotes for insurance in your state.

As you know, your car insurance rates will depend upon your age and driving record. You may not realize that your credit report and marital status can affect your premiums as well! However, one of the biggest factors is simply where you live an drive. You are being rated as an insurance rates, not only by your own record, but by those people who live and drive around you!

Also visit us at essurance!

Middle Class Lacks Health Insurance

According to the National Association of Realtors, 28 percent of their members lack health insurance. Generally realtors are independant contractors, and would have to apply for individual health insuance policies. On realtor who was interviewed made about $60,000 dollars a year - a good middle class income. She had cancer and could not qualify for any individual health insurance plans on the commercial markets. I am certain that almost every state has some sort of high risk plan, but of course, these plans are very expensive and they can have pre-existing condition clauses.

However, I also believe that many of the realtors have just not gotten around to applying for health insurance. I understand that it can be the kind of thing best put off until tomorrow. However, it is, of course, better to obtain coverage BEFORE you are diagnosed with a disease or have an injury.

A qualified, local health insurance agent can point you in the right direction, even if it means directing you to a government risk program.

If you would like a quick online health insurance quote, information, or the ability to find a local agent, click here

Life Insurance Buying Guide

I just found a good Life Insurance Guide

If you are in the market for life insurance and wonder about the different types: term life, whole life, and universal life, then I found a good reference.

Life Insurance Buying Guide

The guide explains the three basic types of life insurance, as well as some optional benefits (riders) you can add to many policies like critical illness, disability, and waiver of premium.

The page also gives you the option to quote and buy life insurane online at a very compeitive rate, or to perform other insurance rate quotes. This is a good idea to compare insurance, get some rate quotes, and even apply and buy life insurance online.

If you've bene approached by an insurance agent, or have just thought you should protect your family with life insurance, then I urge you to visit The Life Insurance Buying Guide.

Compare Life Insurance - Term Life, Mortgage Life, Whole Life, Universal Life

Quick Comparison of Life Insurance

Term Life Insurance

- Generally, term life insurance is the most affordable life insurance option because it is purchased for a specified term of years. It may the best choice for a growing family because it will be in effect while it is needed the most, and because it is usually the cheapest!

Mortgage Life insurance is a popular term life insurance product, and it is advertised to be "easy issue" soon after a home is purchased, and is designed to cover the loan amount.

Term Life can have optional riders attached to it to provide for disability, critical illness, etc., but of course, these riders will drive up the cost. Some term life has a Return Of Premium Option (ROP). Normally, term life insurance does not build up any cash value, which is one of the reasons it is usually the most affordable option. The Return of Premium rider will return all premiums paid after a term policy expires, but of course, it will cost you more in premium dollar.

Whole Life Insurance

Whole Life Insurance is the original insurance, and it is meant to be permanant insurance, though some policies can be paid up over a span of ten or twenty years. Nowadays, many people buy a smaller amount of whole life insurance to make sure they will give their heirs money for final expenses, debt settlements, etc. It is also used to transfer wealth.

Universal Life Insurance

Universal Life insurance is another form of permanant life insurance that usually pays a more competitive return on the excess premium paid into it. It may be considered as a financial or savings vehicle, as well as an insurance policy.

Shopping For Life Insurance

If you are shopping for life insurance, you have many online life insurance tools available

GTL DIRECT - Quick Quote, Buy, and Print Online From The Source - You can purchase GTL Online, and your policy will have rates that never go up, benefits that never go down, and a quick approval process, usually without needed in exam or anything. This is for very affordable, basic term life, which may be all you need!

If you are still not sure what you need, I suggest using InsureME Life Quotes from www.247QuoteUS as an online tool. You can get competitive quotes from many different companies, and use their service to find a local life insurance agent to assist you.

Health Care Spending To Double in 10 Years

Health Care Spending is expected to double in 10 years according to an article in Yahoo news. Article Link.
This will be right about the time that the bulk of the baby boomer generation is full into medicare. Since I was born right at the very tail end of that generation, I won't have made it yet. Actually by the time I slide into medicare age another decade later, medicare may have some of the pain eased because the older baby boomers will have passed on. I expect that we will have a big problem in about 10 years, and it will probably last for about 10 years.

Most of the health care spending issue will be on prescription drugs. More agressive treaments, and more medicinces will be available at the pharmacy. The good news is, many more diseases will be controlled by pills, and more people can survivie and live comfortable lives. This is Good! The bad news is that it's going to cost.

If you're concerned about rising health care costs, and you are one of the 47 million Americans without health insurance, it really is time to consider a plan to protect you from a castastrophe. The health care cost situation is not expected to improve! A high deductible, catastrophic plan may not take that big of a bite out of your budget, and it will give you peace of mind and could prevent a tragedy that doesn't have to be!

I've posted before about ways to keep health insurance affordable, and you can search through this blog to find the articles. My point is, if you've been quoted a health insurance plan before that's just more than you can afford, please consider looking again, armed with some knowldedge!

GET A QUICK ONLINE HEALTH INSURANCE QUOTE OR FIND A LOCAL AGENT BY CLICKING DA' LINK!

Hillary Clinton & Health Insurance Blog For Health

Senator Clinton Weighs In On Health Insurance and Breast Cancer

FROM THE YAHOO BLOG....

Until we have a cure, our best defense against breast cancer is early detection. With access to proper screening exams, we can diagnose breast cancer at its earliest stages, when it's easiest to treat. Unfortunately, too many women in our country are uninsured and underinsured, and don't have access to important preventive care. As part of our efforts against breast cancer, I support efforts to expand access to quality health insurance, through programs like those that allow uninsured individuals to buy into existing health insurance programs, or those that make it easier for small businesses to offer a comprehensive health benefit to their employees.


CLICK TO CLINTON (THE MRS) BLOG ENTRY


Click Here for Free Health Insurance Quotes Online

Lower Car Insurance Rates

Everybody wants to know how to get cheaper insurance. I think I posted about lowering health insurance rates a week or so ago, but actually car insurance is a much more popular topic!

Here's Some Tips to Lower Your Car Insruance Bill!

1. Prices vary, so shop around! Experts tell us to get, at the least, three price quotes for your local area. Of course, this quick form gives you an easy way to do that from the comfort of you home. Click Here for A Quick Online Insurance Quoting Form. The form will allow you to select a type of insurance (i.e. auto), and of course, they will need your local area and what sort of car you drive. You can use that form to select car insurance, or to select an auto/home discount.

2. Compare prices of auto insurance before you buy a car. Rates vary dramaticallly depending upon the make of your car. You can use the quote form listed above to test out different car makes and types too.

3. Seek out discounts. Some companies give discounts for good driving records, good credit, or depending upon age or marital status! Some companies do not penalize an accident or traffic ticket as much as others.

That's why it's good to compare and give as much information as possible so you can get an accurate local quote!

Our Five Minute Form Can Save You Money

Compare Term Life Insurance Rates

We noticed dramtic differences in the term life insurance rates for the top 10 US companies. The same 45 year old, non-smoking man in fairly good health could find rate quotes that varied by $300 a year. These are for the same man, and from the top 10 largest companies. Over the course of paying for a 20 year term life insurance policy, he would have a $6,000 difference.

All we are are saying, is that it makes sense to do some homework before you commit to a long term life insurance policy for yourself, or for your family. If you have an isurance agent you like and trust, it may be worth a couple of bucks more to do business with him or her. However, I really don't know many people I like six thousand bucks worth!

Before you sign a contract, you really don't have anyting to lose if you do an online quote. You can get a free, online rate quote in about five minutes. Make sure the quoting system has a privacy policy, is on a secure server, and it's a good sign if they participate in the Better Business Bureau online system or some similar watchdog service.

If you'd like more information on the Top 10 Term Life Insurance Company Rate Quotes, or if you'd just like a free, no-obligation quote, or if you'd like instant term life insurance, stop by 24/7 Quote Us Term Life Information and Quotes!

Remember to Pack Your International Health Insurance!

What is International Insurance?

Many domestic health insurance companies do not provide coverage overseas, and
even if they do, it is usually on a very limited basic. It always suprises me that we
Americans, who are so obsessed about health insurance to the point of staying with jobs and quitting businesses, will travel overseas an not give a thought to our medical coverage!

International Health insurance is also known as travel insurance, worldwide insurance, etc. It provides coverage for your health 24 hours a day in the case of
a medical situation. Many plans also include dental coverage, emergency evacuations, etc. Some comprehensive plans even cover you for lost luggage and trip cancellations.

Most of the worldwide health plans are low in cost, can be issued on a short term basis, and can be bought and printed from your home computer.

Click Here to Learn More About International or Expatriate Health Insurance

Car Insurance In Mexico for US Residents

Mexican Law Doesn't Recognize US Insurance

If you live in the US or Canada, and have your insurance from your home country,
you may want to think twice before you drive your car into Canada. American
drivers who have an accident in Canada may not be covered by their normal
car insurance policies.

However many Americans, especially those in border towns, do make frequent
trips into Mexico, and they want to take their cars. You can get
short term Mexican Car Insurance with Free Legal Aid. If you travel
into Mexico frequently, it is very quick to get your insurance renewed online.

It usually costs about $5 a day, and is a good investment.

Look Into
Cheap and Reliable Mexican Car Insurance For Americans and Canadians.

Looking for Life Insurance? Online Quote and Buy

If you are not around, who will provide for your family?

Everybody knows they need life insurance, but many potential insurance clients
just do not want to be involved in a high pressure sales call. They have no
idea how much life insurance they need or how much it will cost.

If you are supporting people, you need to consider how much money they would
need to cover expsenses for several years if you died and could not provide
for them anymore. Of course, you are also considering the fact that your
funeral would need to be paid for, so you'd better add in an extra 10,000 or
so of expenses.

You will probably find a term policy that is cheaper than you thought it would be,
and can give your family protection without putting a large dent in your budget.

YOU CAN QUOTE OR BUY ONLINE HERE:


Quote or Buy Life Insurance Online





Guarantee Trust Life Insurance Company No medical exam life insurance. Get up to $250,000 in affordable term life insurance online fast and easy. GTLDirect offers a 10 day money back guarantee for your satisfaction.



If you would rather talk to a qualified insurance agent, you can get a free
quote on the phone. InsureMe is a great way to find local insurance agents, and
you can usually get them to give you a quote on the phone or through email.

International Travel and Insurance

Overseas Medical Insurance.

More and more people are traveling outside of their home country, either for business, recreation or personal reasons.Domestic health insurance usually does not provide coverage for overseas medical emergencies, and international travelers are unable to obtain this type of protection after they are outside of their home country. Furthermore, most traditional health insurance does not cover expenses for an emergency medical evacuation, medical reunion, return of mortal remains, trip interruption or loss of checked luggage.


Get More Information On Worldwide Travel Health Insurance.



The International Insurance Page of 24/7Quote Us also has information on Canadian Insurance, Mexican Car Insurance, Green Card Registration, and of course, U.S. Insurance.

John Edwards and Health Care Reform. Health Insurance for All Again!

John Edwards, another democratic candidate, is calling for health care reform! Yeah, let the games begin. Maybe this time the rhetoric will actually turn into action. He wants to get rid of Bush's tax cuts for people who make over $200,000. Since I don't make over $200,000, I have no problem with this. :)

John Edwards wants to raise some taxes and cut loopholes for the wealthy to help pay for health care and health insurance reform article on Yahoo.

I do have a problem with the fact that 47 million Americans are uninsured. If you don't have a problem with this fact, then you should check out Bush's plan. Even he says that Americans who receive health insurance through work, because of tax breaks that companies get to provide it, don't have any idea of how much it costs. I have to agree. If everybody understood how much health insurance really costs then people would be taking to the streets!

Right now, only self employed people, contractors, etc. who provide their own health insurance - or the 47 million uninsured seem to grasp the price. Maybe others do, and they don't start their own businesses and are held hostages to corporate America because of ... ta da....health insurance.

It's time to address the issue.

Bush Plan May signal the end of Employer Based Health Insurance!

Wow, the Chicago Tribute thinks the new Bush Plan may signal the end of employer based health insurance. Well, you know I disagree with Bush the second on so many things, but for once, I see his point - and I'm sure it's an unpopular one. How come you have to do this to me just when I'm all set to start shouting HILLARY!

LINK TO CHICAGO TRIBUTE ARTICLE

Points to Ponder that are bound to be unpopular, but I sort of get them....

First, he'd eliminate the tax breaks for health insurance and treat it like any other form of compensation. That would make consumers more sensitive to costs, his advisers said.

Second, the president would create a tax deduction for health insurance, similar to the existing deduction for having a child. Families would get a deduction of $15,000 beginning in 2009; individuals would could deduct $7,500. Annual increases would be tied to inflation.

Consumers would get the full value of the deduction, no matter how much they actually spent. Spending in excess of the deduction's amount would be taxed as ordinary compensation.

Comments? Hate it? Love it? Do you at least GET that we need to make employees aware of what a benefit they are getting in health insurance? I do.