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Health insurance is designed to offer financial protection against losses experienced due to illness, accidents, or injury. This type of insurance comes in many forms that offer differing levels of coverage. It can be purchased as part of a group policy or may be purchased by an individual. Group policies are generally purchased through an employer, associations, or unions. They may be less expensive because the costs associated with administration are reduced. In addition, the employees or association may pay part of the premium. Group health insurance has become an incentive for potential employees who are trying to cover their […]

Vacations are for fun, it means leaving behind your job and responsibilities for a while. Having travel insurance is one way of putting your mind at complete rest. It’s a lot easier to enjoy your trip if you know that you are covered from luggage lost to sickness. The further your trip will be, the more you will need travel insurance. This is common sense, as international trips are costly, so there’s a need to protect your hard earned travel money. So wherever you go, to a local or international destination, it’s very important that you have the necessary insurance […]

It is a sad fact, but an estimated 70% of the population will need some form of long-term care in their lifetime. The costs of any kind of long-term care (LTC) can be great; especially if you are relying on your wallet.  Group long-term care insurance will make the insurance more affordable.  Group long-term care insurance will mean having a policy at a lower cost than an individual insurance policy for long-term care. You have worked hard and saved a lot of your money through the years. If you should happen to experience an accident or illness that prevents you […]

Even if you get insurance as part of a group you essentially enjoy the same benefits that an individual dental insurance plan provides with an added advantage. Because you are part of a group, you pay lower premiums. Dental insurance carriers prefer to insure groups because the risk is spread around and more members in the group guarantee them additional business. Many companies and unions offer this benefit to attract and keep good employees. The effect is very positive effect. This is to lighten the financial load of the employee by paying for a portion of their dental plan. As […]

There are different kinds of Insurance that pertain to moving: Released Value Insurance, the most basic coverage provided by moving companies. Estimated by weight it covers US$0.60 per pound of objects. Declared Value Insurance offers coverage of US $ 1.25 per pound, coverage is on the total weight of your movables. If any objects are damaged, the insurance is based on the depreciated value of the object to the maximum value of items shipped. Lump Sum Value, this insures based on the actual value of goods shipped and not by weight. The specific value of items must be declared on […]

There are many risks that people are accustomed to insuring against. These will include, health insurance, auto insurance and fire insurance. There are others that are less familiar, such as dental and flood insurance but there are many reasons why you should reassess the insurances you currently have in place and perhaps consider relocating them to cover the risks that you are most afraid of experiencing. For example, did you know that losses due to floods are thirty times more likely to occur than fire losses? This is especially true if your home is located in a flood prone zone. […]

You may view dental insurance as a way for ravenous companies to take yet more money out of your pockets for something you do not really need with you being able to insure just about anything now. Good dental health is not only important for our appearance, it is important for our overall health too as problems in the mouth can often be a sign that something else needs looking at health-wise. A good dental insurance policy can help envelop the costs of dental treatment whether it is an emergency or a routine check up, in the sense that you […]

Delta Dental Plans Association, more commonly known as Delta Dental, is one of the best known dental insurers in the United States. Delta is a not-for-profit association that offers dental plans of all types for companies across the U.S. Their 39 member companies administer dental benefit plans whose main focus is providing and improving access to dental care for all. Today, Delta Dental associates provide dental coverage to over 46 million people through over 80,000 employers and agencies. Delta Dental insurance offers three major plan types to suit a wide range of needs. The benefits vary by plan, and costs […]

The teenager shopping for car insurance is at a decided disadvantage. Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record. There is a good chance that after three years and a clean driving record that a preferred policy from the parent’s insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There […]

Cheap car insurance is out there My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I don’t think a driving record can get much worse without losing your license altogether. A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many companies would […]