Buy Good Insurance

If you need to shop for insurance, you probably want to do one of two things:

In Person: To talk to a licensed pro, you want to find a good insurance agent who can help you buy a policy that satisfies your needs. They should not be too anxious to sell you one specific policy. They should be willing to listen to you, and then suggest solutions that will be good fits for a situation like yours!

Shop Online: You can also search for good insurance online with a variety of useful resources. Company rating sites can give you a picture of each insurers financial stability. Compaint and customer satisfaction websites can help you discover how other people feel about each company. And online insurance quotes can give you a fast way to compare prices!

You may also want to mix these two options. You can use the internet to start your search, and then talk to a pro once you have narrowed down your options. This may be the best solution to save you time and money, but also to make sure you have purchased the best product for your family's security!

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?

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!

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.