Employees Facing Difficulties with Disability Insurance

Most employees may not be aware of disability insurance. But the issue has come into focus as companies are increasingly cutting back on this insurance for their workers. It protects employees against loss of income as a result of disability, permanent or temporary.

Under this coverage, employees who suffer injuries at work or become severely ill are provided an income. Disability insurance makes the employer-offered benefits package more competitive. A disability insurance policy explains the policy tenure, terms of the illness/disability, coverage limit and certain exclusions.
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What You Should Know Before You Purchase a Life Insurance Policy

Life insurance policies can be classified into two categories – protection and investment. There are several sub categories as well, and you should consider your age, life expectancy, health, lifestyle, and financial situation while deciding which kind of life insurance you need. [Read more…]

Why You Need Travel Insurance

The ash cloud spreading across European skies after the eruption of Icelandic volcano Eyjafjallajokull left the aviation industry in agony and thousands of travelers stranded at airports, with no clue about when they will reach their destinations.

If you had planned a trip to Europe and had to cancel it, you probably lost a lot of money unless you had bought travel insurance. If you bought it before April 13th, then any non-refundable costs for a period of 5 days would have been reimbursed to you by the insurer. [Read more…]

Do Not Forget to Include Medical Costs in Your Financial Planning

Most of us conveniently ignore to include the health insurance cost in our financial plans for future. Though you may be hale and hearty now or your company may be taking care of your health insurance, it is for a fact that you will need more and more medical assistance as you grow in age. It’s best to plan for these costs when you are no longer going to be covered by your company. [Read more…]

Understanding How Private Mortgage Insurance Works

Private mortgage insurance (commonly known as PMI) is a type of insurance that protects the lender if the borrower fails to repay his home loan. Most lenders require such a policy when the borrower makes a down payment of less than 20% of the property’s total value or sale price. The PMI premium is included in your monthly mortgage payments, but some schemes allow the borrower to pay all the premiums in one go. [Read more…]

Understanding Exclusion Clauses in your Life Insurance Policy

All life insurance policies have exclusion clauses that can lead to revocation of coverage. It is important to understand these clauses so that your heirs are not denied the insurance amount.

Material misrepresentation

Material misrepresentation, including intentional falsehoods or omission of important information, would lead to your policy being revoked. This includes factors that the company takes into account while deciding your premium or your eligibility for the policy. In most states, there is an incontestability clause, because of which the company [Read more…]

Questions You’ll Be Asked when Buying Auto Insurance

When you are getting motor vehicle insurance, the insurance company would ask you many questions. These questions are not just the basis for refusing insurance cover, but they also determine the premium you have to pay on your insurance policy. Here are some of the common questions asked by motor vehicle insurers and their potential impact on insurance costs. [Read more…]

True Costs of Hiring an Employee

If you are starting a new business and are considering the costs involved, then you might have already figured out that one of the biggest cost of running a company is employee’s salaries. But what you might not know is that the actual cost of every staff member is much more than the salary. [Read more…]

How to Choose the Best Home Insurance Policy

With so many home insurance products on offer, selecting the right insurance policy can be an overwhelming experience. But you can make use of some simple guidelines and tips to make the task relatively less taxing and easy.

This first thing to check in a home insurance policy is the extent and type of coverage offered. The requirement of coverage may differ for different people and it’s best to give this some thought before going out shopping for a suitable home insurance policy. [Read more…]

Indiscreet Lies Can Destroy Your Life Insurance Policy

Quite frequently, applicants for life insurance policies tell various lies in their application in order to get a policy or to be eligible for lower premiums. But you have to be extremely cautious as these lies can make your life insurance policy useless in the long run. [Read more…]

How Health Insurance Deductibles Can Reduce Your Premiums

Health insurance premiums are recurring expenses that have to be met consistently and on time in order to ensure proper coverage for medical expenses. In tough times like the recent recession, such recurring expenses can put a huge strain on finances causing many people to default on payments and leave themselves exposed to further financial burden when medical emergencies occur. [Read more…]

How to Prepare for Health and Medical Expenses

Medical expenses have been rising despite the recession and they have become one of the biggest burdens faced by people in the post retirement phase of their life. Financial experts have tried to educate the public about the need to plan for medical expenses but very few people in the U.S. do any kind of future planning for medical bills that are likely to pile up as they grow older and lose some of the benefits that come with employment. [Read more…]

How to Get the Best Health Insurance Deals

If you are about to apply for health insurance, you might be worried about what rate you will be charged and if you’ll be able to get a good deal. But you need to stop worrying and be proactive about it. Here are a few things that you can do to get a better deal. [Read more…]

Factors that Affect Your Auto Insurance Cost

Everyone wants to get a low premium on insurance, but it isn’t always possible. Although there are some things that are in your control and can help you reduce your premium, there are many other things, which you can’t do anything about. Either way, it helps to understand which factors are going to impact your premiums so that you can shop smartly around those factors. [Read more…]

Family Travel Insurance

If your family is a frequent traveler and goes either outside of the state or out of the country on a regular basis then providing them with family travel insurance can be of a greater advantage. This type of insurance is mainly for the entire family as they are provided with full assistance and benefits when they travel for a vacation or for other personal purposes. [Read more…]

Discount Travel Insurance

Aiming after discount travel insurance is not that hard to obtain since there are multiplicities of selections offered almost on a daily basis. Searching for these discounted offers can mostly take place on traveling agencies in your niche. As travel insurance becomes a competitive market, a lot of insurers find it more effectual to have their travel insurance rates be moved down to a much lower fee weigh against their direct market competitors. [Read more…]

Business Travel Insurance

Those people who have been traveling all their lives for business and doing their dealings outside of the country or state should predominantly seek for significant business travel insurance. This type of insurance is known to be a traveler’s guide as he comes to and from his trips with something that will keep him assisted all throughout the duration of his tour. [Read more…]

Travel Insurance for the Elderly

Travel insurance for the elderly has been formulated for a common perspective and that is to assist elders of their traveling needs while on the duration of the trip. This becomes one of the most sought after travel insurance plans in time as a lot of seniors are able to find means of flying to anywhere they want with the comfort of being covered if any unforeseen occurrences befall. [Read more…]

Premium Travel Insurance

Are you killing yourself from work? Well, it’s high time you reward yourself for all your trouble. Take a break and see the world – you deserve it. Just make sure that before you pack your backs and head off to discover the great unknown, you’re fully covered. You can be fully covered when you choose to buy premium travel insurance. [Read more…]

Travel Insurance Cover

Most travelers would agree: visiting other places can be wonderful, but it’s the hassle of traveling that can really get to you. Frequent travelers can certainly regale you with tales about losing luggage, getting incredibly sick while on the road, and maybe even using emergency repatriation measures. Nevertheless, none of these unfortunate circumstances is enough to stop the avid traveler from getting or even returning to those exotic locales and enjoying themselves. [Read more…]

Ski Travel Insurance

Ski travel insurance might sound with slight oddity with its name yet; this type of travel insurance mainly focuses on providing you and your family with a great ski holiday getaway. This is parallel to almost all other insurances offered in the market however, the major difference relies on how this type of insurance works well with providing great ski adventures with the assurance of being secured and covered in your entire holiday vacation. [Read more…]

Multi Trip Travel Insurance

Have you ever thought about getting for yourself a multi trip travel insurance? Well in the very first place, you should! This can be your own armor especially that traveling out of the country is posed with at least hundreds of risks. [Read more…]

Low Cost Travel Insurance

To travel means to go to places you want to visit, travel is to introduce oneself to each country’s culture, to roam around places you’ve never been to, to relax, to find serenity and to know that beyond fun is the assurance of security. This is how you explicate traveling detailed in simple words yet, with profound meaning. As a lot of people begin to see this as something that enables you to meet the world, this brings more to the thinking that all these would be complete if low cost travel insurance will be the ones to seal in the entire parcel. [Read more…]

Long Stay Travel Insurance

Traveling especially on overseas is really a pleasing thought. You get to experience the different cultures of the different places you visit plus all the amazing sights await you and waiting for your appreciation. Because there are many activities to do in a certain country, and you just can’t fit them all in just a few days, many decided to extend their holidays. [Read more…]

International Travel Insurance

When traveling on the other side of the world, either for business or pleasure, it is recommended that you get an insurance policy that covers an international travel insurance. Accidents and other unnecessary circumstances are inevitable. There are always hazards involved in traveling such as losing you important baggage or luggage. [Read more…]

Instant Travel Insurance

Today, with the help of the breakthroughs in computer, everything is instant. Even in acquiring travel insurance can be quick and effortless. Getting an instant travel insurance must be done once you purchased your plane tickets. A travel insurance is a must since this will protect you from the different unavoidable problems to arise during your trip on a foreign land. [Read more…]

Holiday Travel Insurance

Traveling is really fun. Aside from getting the chance to see the many wonderful scenic spots in the place you are visiting, you can also experience the country’s terrific culture and their sumptuous cuisine. However, traveling doesn’t always end on a happy note. During your travel, you can never predict the things that might happen to you. [Read more…]

Gap Year Travel Insurance

Gap year travel insurance is certainly a boon to the well traveled youth. With so many destinations to visit, gap year travel insurance could certainly afford anyone with the necessary coverage at more than affordable prices. This is the perfect way to discover, or rather, rediscover the majestic locations in Africa, Asia, Australia and South America. Naturally, a gap year travel insurance holder can go anywhere in the world. Recent studies show that these four aforementioned locales are the favorite destination points of gap year travelers and backpackers alike. [Read more…]

Compare Travel Insurance

Are you thinking about traveling? Are you thinking about acquiring travel insurance? Those are two of the best ideas in the world. However, if you have indeed planned your traveling itinerary right down to the quick, you should afford the same careful planning in choosing the travel insurance you want to pay for. The fact of the matter is: most people do not really compare travel insurance policies. In fact, a great number of us do not even read the entire insurance policy. [Read more…]

Buy Travel Insurance

Many years ago, travel insurance was not as advertised as it is today. Travel agents feared that, by bringing up a subject that had a negative impact, they’d be losing an otherwise tempting deal. These days, however, people have smartened up, and getting travel insurance is no longer considered an awful thing to think about but a wise thing to do. [Read more…]

Budget Travel Insurance

Before you shrink away from the words, “budget travel insurance,” you could at least hear us out. Some people seem to think that budget travel insurance is something to be taken only when all other options are beyond your wallet’s reach. This is not true in the slightest. You might be surprised that some of these so-called budgeted services are as comprehensive as the more expensive travel insurance policies in the market. [Read more…]

Annual Travel Insurance

While traveling abroad is one rejuvenating adventure to engage in, there are some other considerations that you need to think of. Venturing into a foreign city means that you should be brave enough to face loads of risks. Thus, you should not resolve into skipping the option of getting a travel insurance policy just because you want to cut down on the cost of your trip. [Read more…]

Cheap Travel Insurance

Unfortunate events happen during the time when we least expect them. You can never be sure that your most awaited vacation can turn out to be just fine. While mishaps may happen from time to time, what is going to be daunting on your part is when it happens when you are not within the boundaries of your own country. [Read more…]

Annual Holiday Travel Insurance

Planning a grand vacation with the family is a good way to get away from a life full of hassles and stress from everyday work, school, social interactions and other human aspects that people cannot simply thwart of. With this, a vacation is considered music to the ears and something that every family member is looking forward to. [Read more…]