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October

You Can Get Health Insurance Without A Lot Of Hassle - Life is uncertain

You Can Get Health Insurance Without A Lot Of Hassle - Life is uncertain

Life is uncertain. It’s one of the things that makes living great. On the other hand, it also makes it more than a little terrifying. Tomorrow, you could be lounging poolside or you could find yourself in a sudden car accident. When the unexpected happens, you want to be prepared. Health insurance is a big part of that.

Before applying for health insurance, check with the Medical Information Bureau to see if the have a file on you. This medical information is accessible to most major insurance companies. Make sure you do not have anything on your file that would compromise you getting a good deal on health insurance.

Find out what the laws are in your state as to how much and what kind of health insurance you must have. Every state has it’s own exceptions or exemptions, so it’s important to know that before you apply for health insurance. Often you will find this information on the local government’s website.

Deducting your health insurance premiums on your taxes can help save you a lot of money. If you’re self-employed, you can deduct the cost of your premiums on your taxes. This reduces your adjusted gross income so that your tax liability will probably be lower. You can do this whether you itemize deductions or not.

If you fear being laid off from your job, you may consider enrolling in a plan with a low premium. Since the government program that offset much of the cost of COBRA has ended, continuing your insurance coverage in the event of a layoff would come entirely from your own pocket, which could prove very difficult if your premium is high.

Make a list of things that are important to you in your health insurance plan. If you currently love your doctors, make sure to sign up for a plan that covers their medical practice. Whatever your priorities are, it helps to be aware of them before applying for the health insurance to get exactly what you need.

Think about using an insurance broker. A broker can be invaluable when looking for health insurance. They will shop for the best rates, find the best company, and explain exactly what the plan means, You can find a suitable broker via naic.org or nahu.org. Both of these sites have a list of reputable brokers in your area.

As you can see from the good advice in this article, you do not have to be one of those people at risk for unmanageable medical bills due to lack of good health insurance. Start using these tips today, and you will be surprised at how easy it is to get the right protection.

July

Current New Car Loan Interest Rates In Malaysia 2011

April

best autoglass coverage 2011

best autoglass coverage 2011 : Auto Glass Replacement & Glass Coverage, Auto Glass Insurance for Windshield Repair and Replacement

Auto Insurance and Auto Glass Replacement

Auto insurance providers have a pretty bad reputation. Although they can be a saving grace in the event of a catastrophic collision or the theft of your vehicle, they are often less than forthcoming when you need smaller repairs like auto glass replacement or minor ding and dent repairs. This is because these smaller issues are often considered 'secondary'; they may not look great, but they don't always affect your safety during driving, either. In fact, depending on who your auto insurance provider is, you may actually be discouraged from using your auto glass replacement policy.

Auto Glass Insurance Issues to Look Out For

If you're looking to get your windshield replaced, it's always a good idea to check with your insurance provider to determine what is included in your policy. You may be surprised to learn that you will have no out-of-pocket expenses. However, before you take your insurance agent as his or her word, look out for the following:
Insurance providers who want you to only use their specialists. Most of the companies your insurance provider wants you to use aren't necessarily the best - they're the ones that have a deal with the insurance company. You should be able to get your windshield repairs through any company you want.
Insurance providers who try to decrease your fears. Driving with a cracked windshield might not be the most dangerous choice, but its certainly not the safest, either.
The cost of your deductible. Since most auto glass repairs come in at under $400, it is completely needless to file a claim if your deductible is around $500 or higher. However, in many states, it is required by law that your insurance provider offer you windshield replacement coverage for a $0 deductible. Make sure you understand what costs will be carried over to you and which ones will be the responsibility of your insurance provider.
Insurance providers who imply that your rates will increase substantially if you choose to file a windshield repair claim. Most of the time, auto glass repair falls under a "no-fault" clause, which means that you aren't financially affected by the damage or your choice to repair it. Read More

How Claim Autoglass Insurance

auto injury claim tax deductible

mortage insurance india

mortage insurance india : Indian Mortgage Insurance, Life Insurance Corporation of India, Mortgage insurance's relevance in India

Why you need a mortgage insurance

The only thing certain about life is that nothing about it is. Somebody may borrow to buy a house and be very diligent about paying the EMIs. But what if he meets with an untimely death? Not only does his family have to deal with the emotional loss, but also with the goons from collection agencies who will descend upon the family to collect the skipped EMIs. A cover equal to the value of the loan is essential to protect the future of his family.

The person might say that he has already got a term cover. But that is for income replacement and for meeting the living costs and other financial goals of his family. This one is an extra cover that he needs. Mortgage insurance is relatively new in India and of the 14 life insurance companies in the market, only MetLife Insurance, HDFC Standard Life Insurance, Allianz Bajaj, Reliance Life Insurance and SBI Life Insurance offer this cover. TATA AIG provides it only through its group policy.

Loan cover term assurance policies, as the plans are called, work like this: to protect a loan repayment schedule, they offer a cover that decreases as the value of the loan outstanding falls. The premium, however, remains the same for the entire duration of the cover. You can pay either a single premium or annual regular ones. If you take the regular premium plan, the premium paying term is only two-thirds of the policy term.

In a regular plan, you can terminate the cover if you pay off the loan sooner than the loan term. A single premium would actually be a loss if the term of your cover comes down due to prepayment of the loan. Upon the borrower's death, the insurance company pays the outstanding amount of the loan to the bank. Remember to avail the same Section 80 C tax break on this one as you get on other life polices.

Sounds good, but we find that it is actually cheaper to buy a pure level term cover instead of this specialised product. The only difference is that you may be insured for more than the loan outstanding after a certain number of years.

With little difference in premium between the two (see Demystifying Home Loan Covers), why not go for a higher cover with a pure level term? In the event of an untimely death, the outstanding home loan amount can be settled from the term plan and the balance term insurance amount remains with the family.
Source : http://www.rediff.com/money/2006/nov/24insure.htm

Opt to pay a higher excess in the event of an insurance claim.
If you have recently passed your driving test, investigate whether it would be cost-effective to complete the Pass Plus training programme to qualify for car insurance discounts.
Investigate buying car insurance online as some companies offer a worthwhile discount for policies purchased in this way.
If your vehicle is not fitted with an approved immobiliser, compare car insurance quotes with and without one fitted. It may be cost-effective to have one installed.
Limit the number of miles you drive each year, and tell insurance companies your typical annual mileage when getting quotes.
Use an insurance broker if you can't spare the time to 'phone or shop around to get quotations yourself. Alternatively, consider using an online comparison service such as Moneysupermarket.com or Q4 Insure to automatically compare motor insurance quotes from multiple providers. Don’t go through them, this is for an idea of the costs.
If you are a student, include Endsleigh in the list of insurance companies that you contact for car insurance quotations. (They are good for student insurance and young people insurance)
Restrict the drivers on your car insurance policy. In particular, minimise the number of young drivers under twenty-five.
Drive a cheap car with a small engine.
Start building and protecting a 'no claims' bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheap car insurance.
Don't modify or customise your car, this adds to the cost of your insurance considerably.
If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance instead of fully comprehensive cover. Compare quotes.
Park your car in a locked garage or other, secure, off-street location overnight.
If you belong to a trade union or professional society check whether it has negotiated cheap car insurance policies for its members. If it has, include the associated insurer in the list of companies from whom you seek quotes.