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Showing posts with label Car Insurance. Show all posts
Showing posts with label Car Insurance. Show all posts
Tuesday, October 16, 2007
Tuesday, October 9, 2007
Term Insurance, Car Insurance, and More
Term Insurance
Would you be happy with a Term Insurance product that promises to return your premiums? It is now possible with the new ROP term insurance. The traditional complaint with term insurance is that it expires after the term is up. Thus making all those premium payments for not. Well with this new ROP term insurance product you don't have to die to collect your premium payments back.
Return of Premium term life insurance gives you the best of both worlds; protection for your family against death and a return of your premium dollars if your fortunate enough to live. This is really an excellent feature since none of us really expect to die prematurely. So, term insurance no longer has to be premium after premium wasted.
Car Insurance
If by some unfortunate circumstance you get in a car accident and wreck your car will you get what you deserve from your car insurance company—what your car's worth? If this happens it's your car insurance companies obligation to provide you with a car of equal value. Sadly, this won't happen if your car insurance company has anything to say about it. The car insurer has their own means of determining your vehicles value. And it's not always going to work out in your favor. Often time's individuals are left holding a check for less than their car is actually worth. All vehicle are unique to condition, how many miles, etc. So, if you're not happy with the method presented by your auto insurer you may want to get some quotes tom rove otherwise. Also, don't forget the sales tax you have to pay when purchasing a replacement car, this is often left out.
Long Term Care Insurance
It is no longer a secret Long Term Care Insurance plays a major role in retirement planning. Long term care insurance products have become focused on the individual needs of individuals. Much like the ROP term insurance polices they may offer a savings platform in the form of an annuity. This ensures the product owner that he/she can fall back on accumulated money within the product if long term care is not needed. Much like term insurance people have the idea that they'll never need these types of products. This also solves that issue, providing an investment with protection.
Now that these insurers are providing some of these much-needed benefits, we're finding more people take a more serious look when planning for their future. For the very rich long term care insurance is probably not for them, the can certainly afford the heavy expense of long term care. For the rest of us it is definitely worth taking a closer look at. The costs of health care and particularly long term care are raising at rates much higher than that of inflation. Take a close look at long term care insurance when you plan for your future.
The Money Alert personal insurance has been covering insurance matters for years. They have many Liability Insurance articles that you can find in many publications throughout the internet. You may visit their site for more insurance and financial information.
Would you be happy with a Term Insurance product that promises to return your premiums? It is now possible with the new ROP term insurance. The traditional complaint with term insurance is that it expires after the term is up. Thus making all those premium payments for not. Well with this new ROP term insurance product you don't have to die to collect your premium payments back.
Return of Premium term life insurance gives you the best of both worlds; protection for your family against death and a return of your premium dollars if your fortunate enough to live. This is really an excellent feature since none of us really expect to die prematurely. So, term insurance no longer has to be premium after premium wasted.
Car Insurance
If by some unfortunate circumstance you get in a car accident and wreck your car will you get what you deserve from your car insurance company—what your car's worth? If this happens it's your car insurance companies obligation to provide you with a car of equal value. Sadly, this won't happen if your car insurance company has anything to say about it. The car insurer has their own means of determining your vehicles value. And it's not always going to work out in your favor. Often time's individuals are left holding a check for less than their car is actually worth. All vehicle are unique to condition, how many miles, etc. So, if you're not happy with the method presented by your auto insurer you may want to get some quotes tom rove otherwise. Also, don't forget the sales tax you have to pay when purchasing a replacement car, this is often left out.
Long Term Care Insurance
It is no longer a secret Long Term Care Insurance plays a major role in retirement planning. Long term care insurance products have become focused on the individual needs of individuals. Much like the ROP term insurance polices they may offer a savings platform in the form of an annuity. This ensures the product owner that he/she can fall back on accumulated money within the product if long term care is not needed. Much like term insurance people have the idea that they'll never need these types of products. This also solves that issue, providing an investment with protection.
Now that these insurers are providing some of these much-needed benefits, we're finding more people take a more serious look when planning for their future. For the very rich long term care insurance is probably not for them, the can certainly afford the heavy expense of long term care. For the rest of us it is definitely worth taking a closer look at. The costs of health care and particularly long term care are raising at rates much higher than that of inflation. Take a close look at long term care insurance when you plan for your future.
The Money Alert personal insurance has been covering insurance matters for years. They have many Liability Insurance articles that you can find in many publications throughout the internet. You may visit their site for more insurance and financial information.
Tuesday, July 10, 2007
A Closer look at 3 Popular Insurance Topics
Car Insurance
Will you get your cars actual value from your Car Insurance company? If you get in an accident and "total" your car, it's your insurance company's responsibility to provide you with an amount of money that would purchase an equivalent car. This doesn't always happen, unfortunately. Most insurers don't use the Kelley Blue Book or NADA standards to estimate values. They have their own formulas and will often consider quotes from various dealers that aren't always that attainable, and this isn't always a good indication of your specific vehicle's true worth. Every car is different, with things like condition, mileage, and repairs playing vital roles. If they choose to use one of these methods, you may want to present them with some local quotes of your own. It's recommended that you keep a documented vehicle history as well, so you can present repair and maintenance receipts if there's a dispute. Make sure the amount you and your insurer settle on includes sales tax for the purchase of your replacement automobile. This is often left out by insurers, and replacing your car should not come with additional tax costs.
ROP Term Life Insurance
Would you like Term Life Insurance that refunds your money if you don't die? Well now you can—it's called Return of Premium Life Insurance. One of the biggest objections to buying term life insurance is that people see themselves outliving the specified term and often think of the premiums as wasted money. The insurance industry has answered that objection with the recent introduction of Return of Premium term life insurance.
Return of Premium or ROP combines the benefits of traditional term life insurance with a return of premium feature. Simply put your family receives a lump sum death benefit if you die, otherwise if you win your bet with the insurance company and you live the insurer returns all your premiums. This money-back guarantee can be particularly comforting for those that believe death will not occur during the term of coverage.
Mortgage Insurance
Mortgage Insurance is insurance for the lender and is sometimes required by lenders on lower down payment loans. It's insurance that protects the lender in case you're unable to pay. Borrowers are able to purchase homes that they wouldn't otherwise be able to afford, due to high 20 percent down payment requirements.
Private Mortgage Insurance—PMI—is insurance on your mortgage designed to assure your mortgage company against non-payment should you not make your loan payments. Keep in mind that this insurance protects the lender, not necessarily you. Though it can provide you with the opportunity to get into a home with less than the standard 20 percent down payment. Private mortgage insurance is frequently called for by mortgage companies because of the larger number of defaults that come with minimal down payment mortgages. The good thing about PMI is that it allows borrowers to get into properties that they might not otherwise be able to purchase because of large down payment requirements.
The Money Alert is a well-known financial site covering insurance matters. Their popular Pet Insurance articles have been published by several publications throughout the United States. If you rent you can also visit The Money Alert dot com to learn about Renters Insurance and whether you need it or not.
Will you get your cars actual value from your Car Insurance company? If you get in an accident and "total" your car, it's your insurance company's responsibility to provide you with an amount of money that would purchase an equivalent car. This doesn't always happen, unfortunately. Most insurers don't use the Kelley Blue Book or NADA standards to estimate values. They have their own formulas and will often consider quotes from various dealers that aren't always that attainable, and this isn't always a good indication of your specific vehicle's true worth. Every car is different, with things like condition, mileage, and repairs playing vital roles. If they choose to use one of these methods, you may want to present them with some local quotes of your own. It's recommended that you keep a documented vehicle history as well, so you can present repair and maintenance receipts if there's a dispute. Make sure the amount you and your insurer settle on includes sales tax for the purchase of your replacement automobile. This is often left out by insurers, and replacing your car should not come with additional tax costs.
ROP Term Life Insurance
Would you like Term Life Insurance that refunds your money if you don't die? Well now you can—it's called Return of Premium Life Insurance. One of the biggest objections to buying term life insurance is that people see themselves outliving the specified term and often think of the premiums as wasted money. The insurance industry has answered that objection with the recent introduction of Return of Premium term life insurance.
Return of Premium or ROP combines the benefits of traditional term life insurance with a return of premium feature. Simply put your family receives a lump sum death benefit if you die, otherwise if you win your bet with the insurance company and you live the insurer returns all your premiums. This money-back guarantee can be particularly comforting for those that believe death will not occur during the term of coverage.
Mortgage Insurance
Mortgage Insurance is insurance for the lender and is sometimes required by lenders on lower down payment loans. It's insurance that protects the lender in case you're unable to pay. Borrowers are able to purchase homes that they wouldn't otherwise be able to afford, due to high 20 percent down payment requirements.
Private Mortgage Insurance—PMI—is insurance on your mortgage designed to assure your mortgage company against non-payment should you not make your loan payments. Keep in mind that this insurance protects the lender, not necessarily you. Though it can provide you with the opportunity to get into a home with less than the standard 20 percent down payment. Private mortgage insurance is frequently called for by mortgage companies because of the larger number of defaults that come with minimal down payment mortgages. The good thing about PMI is that it allows borrowers to get into properties that they might not otherwise be able to purchase because of large down payment requirements.
The Money Alert is a well-known financial site covering insurance matters. Their popular Pet Insurance articles have been published by several publications throughout the United States. If you rent you can also visit The Money Alert dot com to learn about Renters Insurance and whether you need it or not.
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