Archive | Insurance

Need To Be Ethical While Opting For An Insurance Policy

There is a growing tendency among the insurance policy holders that to pay a low premium or avail some other benefits, they tend to lie or submit in correct information. It is imperative to note that giving false information or withholding crucial information while take an insurance policy can have serious ramifications. We take  a insurance policy to safeguard ourselves and secure our family in case of emergency or  accident or death, but the very purpose of the insurance policy is defeated if there is a rejection of claim or a legal litigation with the company due to misinformation submitted by you. It is a false myth, that on death of policy holder, the insurance company will be lenient and settle claims with the surviving family or the beneficiary, if there are any false information [...]

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House Insurance: A Much Needed Insurance

We have the tendency to invest our hard money and life longs savings in our dream house, but sadly we ignore the need to protect our house from calamities manmade and natural just to save the premium costs to cover the house against insurance. India's geographical feature and climatic conditions make it fairly vulnerable to natural disasters and a fire and flood may not damage your structure but may ruin everything in your dream home. It is hence imperative to insure your dream home at a nominal premium to cover your home from damage to the structure or damage to the contents. You may protect and insure yourself by covering burglary or breakage in house, or break down of appliances, theft of valuables, and damage due to terrorism. A standard policy normally covers damage due to fire, lightning, [...]

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How essential is public liability insurance?

How essential is public liability insurance?

When it comes to the different types of insurance businesses have to have, the list seems to be growing. So when one comes along that isn’t necessarily compulsory, many business owners decide not to buy it - but is this the right attitude to have? Public liability insurance is one such type of insurance that businesses are not legally required to have. Public liability insurance covers businesses if they damage a client’s property or if a client is injured while on their property. This type of insurance is tailored for anyone who has physical contact with clients; if you only speak to them over the phone or do business via email you do not need this type of insurance for your business. Because this is not a legally required insurance many businesses have not purchased this, but they [...]

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How to Get Cheap Home Contents’ Insurance

Home insurance is a must for anyone who owns or rents a property. If you rent, you’ll just need contents cover, which will pay out in the event of fire, flood or theft and should reflect the value of your lost contents and belongings (if you’ve valued them correctly when arranging your insurance in the first place). If you own your own home you’ll need buildings and contents cover in place.  Buildings insurance would pay out for damage or destruction to your bricks and mortar (and can also cover things like public liability – if someone slipped on your driveway and hurt themselves and sued you, for example).  Contents insurance covers whatever is inside the house (though some insurers exclude claims for certain things, and if you run a business from home without telling your [...]

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Life Insurance for Smokers

Life Insurance for Smokers

Life insurance premiums vary depending on many factors; in case of some insurance, lifestyle of the insured person can be one of them. A person leading an unhealthy life might have to pay higher premiums for life insurance policies compared to a person having a healthy lifestyle. One of the lifestyle perils that can be responsible for increasing the premium for your life insurance is smoking. Majority of the life insurance companies categorize people into two groups, non smokers and smokers. Non smokers are those who do not use any tobacco product. Smokers, on the other hand are the ones who have smoked or used other tobacco products during the past 12 months. There are some insurance providers who will categorize you as a non smoker, if you have smoked less number of times than a set number [...]

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Tips for Buying Farm Insurance

Tips for Buying Farm Insurance

Like all other homeowners and business owners, farmers should also buy insurance policies for their farming operating and homes. Insurance is necessary for protecting both small farms providing produces to a particular locality and large farms shipping produces across the nation. This article will guide you with some essential tips for buying farm insurance: First, you should look for insurance companies that specialize in offering insurance policies to farms. Information on such insurance providers can be obtained from the official website of your state’s agriculture department as well as the official website of the state’s insurance department. Once you have obtained names of insurance companies offering farm insurance policies, start calling their agents to discuss the kinds of insurance [...]

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Features of a Critical Illness Cover Insurance Policy

Features of a Critical Illness Cover Insurance Policy

In case of Critical Illness Cover Insurance; the policy holder is entitled to receive a large amount of money if he or she is diagnosed with any of the “critical illnesses” that was listed in the policy. These insurance policies are basically meant to provide financial protection to the individual who has been diagnosed with any kind of critical illness. In many of the critical illness insurance policies there is a minimum survival period that the patient needs to cross; so that he or she is eligible to receive payment. The survival period is usually calculated from the day the illness was diagnosed for the first time. Such insurance policies started from the early 1980’s. After the advent of such insurance products; they have been widely accepted by the insurance markets of almost every [...]

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Tops 3 Disability Insurance Myths

Tops 3 Disability Insurance Myths

Disability insurance offers income to individuals when they come across events of disability. If you are looking to purchase one for yourself or any of your family members, you should not be affected by the following myths related to disability insurance. Myth 1: Disability insurance is an expensive buy. The truth is, this insurance type let it be meant for short-term disabilities or long-term disabilities, is never expensive. The cost of disability insurance ranges between 1 to 3 percent of a person’s income. The effectiveness of the insurance is much more. In case the person insured by any such policy suffers from disability the policy will replace the amount he used to earn as salary or even by doing part time jobs. Myth 2: There’s no need to purchase disability insurance separately; [...]

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The Advantages of Travel Insurance

The Advantages of Travel Insurance

Travel insurance can be of varied forms, however there are some common benefits offered by majority of them. In this article we’ll discuss the basic advantages of being covered by a travel insurance plan. Emergency healthcare: Most of the travel insurance policies offer coverage of emergency medical treatments and assistance. This includes expenditures for paying the hospital bills, costs for air ambulance, road ambulance, sea rescue etc. However, like general health insurance, this one also comes with deductibles, the amount of which is based on the kind of policy you are opting for. Trip interruption, curtailment or cancellation: Often we need to leave the tour in the middle or cancel the entire plan of the tour.  A travel insurance plan will cover all the financial losses that cannot [...]

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Tips for Getting Affordable Teenage Car Insurance

Tips for Getting Affordable Teenage Car Insurance

Have the teen in your house recently obtained driving license and looking to own a new car? You must be extremely anxious about making sure that your child is fully protected while driving. Other than making sure that the teenager drives the car safely, you must also get a car insurance done. Below we have discussed ways of getting cheap car insurance for teens. Defensive driving courses: Going for defensive driving courses will help you to reduce the rate of teen car insurance. Defensive driving courses teach the teens ways of avoiding accidents, things to be done in case car accidents occur, skills of safe driving and so on. Such courses take around 5 hours time to be completed; however, the duration of the course may vary based on the state you stay in. There are states that offer longer [...]

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Hearing Aid Insurance: A collage of stories

Hearing Aid Insurance: A collage of stories

People are now eager to find insurance quotes for hearing aids as hearing aid insurance is a burning issue in most states of America. Although hearing aid insurance is yet to pave its way to universal coverage, however the incidents all over America indicates a beginning of  a broader spectrum for this insurance form. America has so far witnessed a parade of events in different states where clamor for hearing aid insurance is getting intense by each passing day. The movement of people in Maryland during 2002 is a noted event where hearing aid insurance was demanded for hearing devices used by babies. In Maryland a significant medical expense was noted among the parents having a hearing impaired child. However, the health insurers of this stated paid only $1400 annually on hearing aid insurance [...]

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Life insurance policy to senior citizens… minus physical exam

Life insurance policy to senior citizens… minus physical exam

American citizens, especially the senior citizens, usually find the task of selecting a life insurance policy for them complicated. The senior citizens have the utmost difficulty to find a policy of their match because of their pre-existing health conditions. Companies and insurance agents usually stay away from offering an attractive policy to them as their health conditions most often go against insurance companies. Both the whole life insurance policy and term life insurance policy searching has now become a tedious and disappointing experience for the senior citizens of America. However, there are certain insurance companies that give a beacon on hope fir senior citizens. These insurance companies offer policies without any physical examination to senior citizens. This certainly makes the [...]

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