tag:blogger.com,1999:blog-17988307103624377752024-02-20T10:05:43.365-08:00Onlinecarinsurance.info - Online Car InsuranceOnline Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.comBlogger119125tag:blogger.com,1999:blog-1798830710362437775.post-20940449106360403852009-03-22T15:48:00.007-07:002009-03-22T15:48:34.761-07:00Youtube Poop - Trains, Planes, and Car Insurance<div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/Hzjw_oAFARA&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/Hzjw_oAFARA&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>This is the 12th Poop I've uploaded. Some parts of this turned out to be a bigger pain to produce than I was originally expecting. Also, I accidently put the King sequences in the wrong order... Darn...<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-48708900817582396602009-03-22T15:48:00.005-07:002009-03-22T15:48:32.187-07:00How to Buy Car Insurance<div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/UbLoU6dEisg&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/UbLoU6dEisg&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>Insure your car wisely with these insurance-buying tips.<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-66656476409034024572009-03-22T15:48:00.003-07:002009-03-22T15:48:28.758-07:00Car Insurance Rates - Get Free Car Insurance Quotes Online<div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/Za-vTvsn-fU&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/Za-vTvsn-fU&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/><b>Car Insurance</b> Rates - Get Free <b>Car Insurance</b> Quotes Online If you drive car in every state in the US you should have <b>car insurance</b> as per the <b>car insurance</b> law of the land. In every state in the US, you cant take the <b>car insurance</b> lightly as it attracts an average premium of approximately...<br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-8668735878465039202009-03-22T15:48:00.001-07:002009-03-22T15:48:23.334-07:00Funny prank call- "Car insurance"<div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/8OWongME3TA&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/8OWongME3TA&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>-CLICK ON MY CHANNEL TO LISTEN TO MORE OF THESE PRANK CALLS!- I have 60 of these prank calls on my computer, if i get enough subscribers and/or positive feedback, ill start posting more. PLEASE SUBSCRIBE! Probably my all time favorite All rights reserved. ©2003 MJ Morning Show.<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-56880453184867552012009-03-19T08:38:00.001-07:002009-03-19T08:38:37.789-07:00Car Insurance Comparison Sites – Things to Look Out for<div style="float:left; padding: 12px"></div><div><br/><br/>If you own a television, you can't help but notice the car insurance comparison companies bombarding your screen with repetitive adverts. They tend to have an annoying insistence of making sure they're at the front of your mind when you come to do your annual car insurance comparison. But they also provide a valuable service – on the whole. But how do you separate the good car insurance comparison sites from the bad? This is how...<br/><br/><strong>Deciphering Car Insurance Comparison Site Advertising</strong><br/><br/>Most car insurance comparison site advertising hinges on two areas – being the "cheapest" and market coverage. But they can't all be the cheapest can they?! It's "possible" that some sites ask independent researchers to carry out their work at the same time as running a short term deal with an insurer or two – there are external factors that can make them appear cheaper when it counts.<br/><br/>But the fact remains that the car insurance comparison sites are getting to a point where their panels are pretty similar and they're using the same technology. Differences in prices across car insurance comparison sites will come from manipulation of your excess levels and how well they've mapped your details from their site to the insurer's quote engine.<br/><br/>Also be wary of some very careful uses of terminology. One car insurance comparison site has suggested that they compare "over 400 prices". When you think about it, this doesn't mean they're comparing more than 400 insurers, brands or even policies but few people spend the time to think about the message put out by the car insurance comparison companies.<br/><br/>Car Insurance Comparison Panels<br/><br/>There's no doubt that a <a href="http://uk.insurancewide.com/insurance/car/">car insurance comparison</a> site is saving you heaps of time and saving your from repetitive form filling. This in itself is a huge benefit. Each "insurer" on a comparison site's panel represents anything up to a 10 minute time saving for you. But don't be mislead by the number of "brands".<br/><br/>Frequently, insurance companies are actually powering a large number of brands with only marginal differences in prices and policies. Although this provides you with good coverage (as each brand "may" specialise in different types of customer), you shouldn't be misled into thinking you've covered a wide variety of insurers just because you can see lots of logos.<br/><br/>It's also just as important for the car insurance comparison site to provide you with a range of different insurers on their panel. The comparison site should be making sure they have a reputable insurer for as many areas of risk as possible. Otherwise, their car insurance comparison service simply becomes a big brand comparison service.<br/><br/>Anyone with a risk profile which is slightly out of the norm benefits from a varied panel i.e. those who drive a modified or imported car, young drivers or those with a low no claims bonus, those with claims or convictions and so on.<br/><br/>The final area to highlight when using car insurance comparison sites is that you shouldn't be fixated on price alone. Obviously it is very important but it's what you're paying for – value – that counts. There's no point carrying out a car insurance comparison and buying a slightly cheaper policy if it doesn't provide you with the type of cover you're likely to require.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/life-insurance'>Life Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-89844063467814356042009-03-19T08:33:00.007-07:002009-03-19T08:33:51.444-07:00Classic Car Insurance Quote<div style="float:left; padding: 12px"></div><div><br/><br/>Some people think of classic cars as the transport of eccentrics and TV detectives. Others consider them to be glamorous, expensive, and high maintenance status symbols. But the reality is that many classic cars simply do not fit these stereotypes. A classic car is easy to rave about but incredibly hard to define. Who is to say that a cherished Austin A40 in a supermarket car park is less of a ‘Classic Car’ than a Mark II Jaguar at Ascot? And that’s where you need to know what is and isn’t classic – it will make a huge difference to your car insurance premium.<br/><br/>Top tips for getting the best deal<br/><br/>• It is widely reported in the motoring press that classic car insurance is far cheaper than a modern car policy but it is important to be vigilant and well informed.<br/><br/>• The condition and scarcity of a classic can vary dramatically, and an owner’s perception as to the value of his beloved car can often be at odds with his insurer’s valuation in the event of a claim.<br/><br/>• Search for a specialist insurer, they are more likely to provide specialist assistance and provide a better rate.<br/><br/>• It is vital that you take out a guaranteed agreed valuation when insuring your classic car.<br/><br/>A genuine agreed valuation is the value guaranteed by the insurer should the car be written off or stolen. Make sure you check that your valuation is ‘guaranteed’, as some insurers have refused to pay out the full amount, despite the owner believing that they were fully covered.<br/><br/>Insurers may or may not make a small charge for an agreed valuation but it can be a false economy to omit it from your policy if the pay-out on your claim turns out to be hundreds or even thousands less than you thought. So, if you are surprised to learn that insurers consider your beloved 1970’s Datsun Cherry a classic, make sure you take care when choosing your car insurance policy!<br/><br/>A car as special as yours deserves a special kind of insurance policy. That's where Peter Best Insurance can help. With over 21 years experience in arranging specialist insurance of classic cars, they are well placed to provide you with classic car insurance quote and guidance in selecting the best policy for your car.<br/><br/>Peter Best Insurance Services Ltd is a specialist insurance broker with over 21 years experience in the collectable cars, motorbikes and commercial vehicles markets. The business operates out of two offices in Essex - Maldon is the main office dedicated to classic cars including MGs, Morgan's, 4x4s etc (01621 840400), while Kelvedon has certain car schemes for Mercedes Benz, Volvo, Saab, BMW, for example and classic motorcycles. (01376 573033). Collectable commercial vehicles are also catered for here together with kit cars.<br/><br/>With their interest in the classic market, they have also forged strong connections with many of the car clubs such as the Mercedes Benz Club and the MG Car Club. This enables them to offer discounted premiums to existing club members, providing they can supply their proof of membership.<br/><br/>They have a portfolio of insurers who have created a selection of policies specifically designed with the classic enthusiast in mind. These will offer the best levels of cover at a competitive price.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/travel-insurance'>Travel Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-12224784018847690172009-03-19T08:33:00.005-07:002009-03-19T08:33:50.535-07:00Buying a New Car? Pick the Safest and Save on Car Insurance<div style="float:left; padding: 12px"></div><div><br/><br/>If you're going to be purchasing a new car in the near future, you may want to think about how the car is going to affect your car insurance rates. Believe it or not, the car you choose will definitely affect how low or high your car insurance rates will be, but you can choose a safer car to ensure that you get low rate car insurance that is affordable. The following are some of the safest cars that you can buy and purchasing a safer vehicle will result in great savings on your car insurance.<br/><br/>Volkswagen Passat - In 2006, the number one rated family sedan for safety was the Volkswagen Passat GLX, which has a V6 engine. This car provided excellent safety features designed by Volkswagen and tested out to be the safest car in the family sedan category. If you want a nice family car that is fairly inexpensive and also very safe for your family, this is a great choice!<br/><br/>Toyota Camry - Still in the class of family sedans, the Toyota Camry came in second place in 2006, right behind the Volkswagen Passat. The Camry is a bit cheaper than the Passat, and also comes with great safety features that make it one of the best choices if you want a car that is safe for your family.<br/><br/>Volkswagen Golf - If you are looking for a smaller car, but you still want great safety, you may want to consider the Volkswagen Golf as your next choice. In smaller cars, the Golf won the number one spot for safety with the great safety features offered by the Volkswagen automaker.<br/><br/>Honda Civic EX - Another smaller car that was high on the safety list, scoring number two, is the Honda Civic EX. Once again, this car is a bit more cost friendly than the Volkswagen Golf, and it still comes with excellent safety features that will keep you safe and help you get lower car insurance rates. If you are purchasing a car on a budget but want to make sure it has great safety features as well, then this car is an excellent buy.<br/><br/>Honda CR-V - If you are looking for a small SUV with a great safety rating, you may want to consider purchasing the Honda CR-V. While usually you will pay more to insure a SUV, the Honda CR-V provides safety features and a great safety rating that will help you save.<br/><br/>Toyota Highlander - If you want a larger SUV but you want to make sure the vehicle is safe, the Toyota highlander is a great choice. The Highlander is one of the cheaper SUV’s available and comes with a great safety rating that will have you driving with confidence.<br/><br/>When you're going to purchase a new car, you want to look at the cost of the car, but you also want to check out how much it will cost to insure your car as well. Picking a car that has a high safety rating and great safety features can save you a great deal of money on car insurance rates each year. Take control of your car insurance rates and purchase a vehicle that will keep you safe and help you find low rate car insurance.<br/><br/>For those who are interested in learning more about how you can save money and greatly reduce your car insurance rates, we offer a website (car-insurance-rates-info.com) with unbiased information on the best ways to get low rate car insurance, do company comparisons, get car insurance discounts, and keep you safe and saving money all year long.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-85532567149159359592009-03-19T08:33:00.003-07:002009-03-19T08:33:45.068-07:00How Are New Car Insurance Rates Determined?<div style="float:left; padding: 12px"></div><div><br/><br/>It is law that your vehicle be insured. For new car insurance, there are many factors that will determine the insurance premiums you must pay. The type of car you drive will be of most importance. As is your driving history and the amount of options you chose on your insurance. A good way to have a better idea of what range your premiums might be in is to understand what car insurance group your new car belongs to. There are at least 20 different car insurance groups with high performance cars on the high side of the 20 groups.<br/><br/>These are the factors considered for new cars when defining which group they belong to:<br/><br/><strong>• New car values</strong><br/><br/>Price is important especially for cost of replacement and repair.<br/><br/><strong>• Damage and parts costs</strong><br/><br/>The likelihood of damage and cost of parts for repair. The lower the costs, the better chance of a lower group rating.<br/><br/><strong>• Repair costs and times</strong><br/><br/>The longer the repair time, the higher the cost. Higher cost equals higher group rating.<br/><br/><strong>• Car performance</strong><br/><br/>Statistics show that high acceleration and top speed cars result in more frequent insurance claims.<br/><br/><strong>• Body shells and accident repairs</strong><br/><br/>How available is the basic frame of the car? This is important for certain damage repairs.<br/><br/><strong>• Car security</strong><br/><br/>Good security features help reduce the risk of the car being stolen or vandalized. This can help reduce insurance claims cost and therefore put the car in a lower group.<br/><br/>After considering all of these factors that will influence the rate of your new car insurance premiums, the best thing to do is a little comparison shopping online. Most major car insurance companies will allow you to get a free quote online with no obligation to buy. This allows you to easily compare prices between different car insurance companies. Prices can vary by hundreds of dollars, so it is worth the small effort it takes to do a little internet surfing.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/cheapest-insurance'>Car Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-21458075215807071442009-03-19T08:33:00.001-07:002009-03-19T08:33:35.411-07:00Save on Car Insurance<div style="float:left; padding: 12px"></div><div><br/><br/>You can't drive a car without having it insured from a car insurance company, and car insurance protects your car from occurring inconvenience after accident.Finding car insurance on internet is not difficult but finding a cheap car insurance quote is! A little research on internet not only helps you to get best car insurance quote but also helps you to save a handsome amount on it, (read on you will get to know how to save on car insurance).<br/><br/><strong>How you can save on Car Insurance?<br/><br/></strong><strong>1. Try to use less low profile cars<br/><br/></strong>Try to use low profile car instead of sport cars and other high-performance vehicle because these cars are common targets for thieves and vandals. People who own expensive cars likely to drive recklessly and which ultimately cause them to pay higher premium than low-risk vehicle.<br/><br/><strong>2. Drive Safely<br/><br/></strong>If you maintain a clean driving record for a good period (usually 3 years) it may help you to eligible for a price break in your car insurance policy.<br/><br/><strong>3. Drive Less<br/><br/></strong>Drive only when required, try to limit your driving as much as possible which can help you to get low-mileage discount if insurance company offers.<br/><br/><strong>4. Keep your car in a garage. </strong><br/><br/>Always park you car in garage because there are less chances of thief and using a garage to store your car may entitle you to a slight premium reduction.<br/><br/><strong>5. Insure Multiple Cars<br/><br/></strong>You are also entitled for discount if you buy more than one type of insurance and discount may also apply on your car insurance if you insure multiple cars under the same policy.<br/><br/>For more information about Car Insurance visit http://www.carinsurancegroup.info<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/travel-insurance'>Travel Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-52915031480719934172009-03-19T08:12:00.007-07:002009-03-19T08:12:35.532-07:00American Life Insurance-one of the Most Trusted Company<div style="float:left; padding: 12px"></div><div><br/><br/>American Life Insurance the most trusted company which has a reputation of about 87 years. This company is one of the globally recognized life insurance companies and it has a number of branches all over the world which has a vast customer line following. American Life Insurance gives various tax benefits to all its insurance policy holders and it also takes care of all your life insurance related policies like retirement insurance policy, wealth management policy, medical insurance, health insurance etc.<br/><br/> <br/><br/>Life insurance basic terms as you know is an important factor in every person's life and when it comes to life insurance age is not the main criteria when it comes to get your life insured. American Life Insurance also known as AIG insurance company and majority of Americans has insured themselves with this life insurance company. The market value of this company is high and you can find the companies ratings in the financial books due to their vast financial transactions with other financial institutes.<br/><br/> <br/><br/>There are two major life insurance policies that this AIG Insurance Company deals with i.e. the Term Life Insurance and Whole Life Insurance. In case of Term Life Insurance the policy taken is for a short period of time and Whole Life Insurance is where you get yourself insured for your whole life.<br/><br/> <br/><br/>AIG insurance company is one such life insurance company that charters to the needs of the common person. One of the benefits of getting insured in this life insurance company is that you reap a rich harvest of life insurance benefits on all your life insurance policies which no other life insurance company provides you as this company provides you with the benefits when you are still alive.<br/><br/> <br/><br/>This life insurance company in order to increase its relationship with their vast flowing customer's have started life insurance online services which has made it easy and convenient for them to get themselves and their family members insured staying within the very comforts of their own house. AIG Insurance is one of the most sought of companies and it is a tough competitor to other life insurance companies.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-72704956164581544382009-03-19T08:12:00.005-07:002009-03-19T08:12:27.989-07:00How to Collect on Lost Life Insurance Policies<div style="float:left; padding: 12px"></div><div><br/><br/>A relative has just died. He had a life insurance policy with you listed as the beneficiary. There's just one problem: the life insurance policy is missing. You have no idea which insurance company wrote it.<br/><br/>If you find the missing life insurance policy in the future, are you still eligible to receive the death benefit?<br/><br/>Hope they paid their insurance bills<br/><br/>If you're a beneficiary and you find the lost life insurance policy shortly after the insured dies (within six months to a year, for example), claiming the death benefit should be trouble-free.<br/><br/>First, determine if the insured had term or permanent life insurance. If the insured held a term policy, you'll receive the death benefit if he died before the end of the policy term. If he died after the policy expiration date, you would get nothing.<br/><br/>If the insured had a permanent life policy, you'll receive the money if the death occurred while the policy was "in force," meaning all premium payments were made up until the time of death. If the death was a while ago, you'll receive the benefit with interest from the date of death.<br/><br/>If the life insurance policy lapsed — meaning the insured stopped making premium payments before he died — there's a chance you might get nothing. When a permanent life insurance policy lapses, most insurance companies switch its status from permanent insurance to one of two options:<br/><br/>"Extended term" — The insurance company uses the cash value of the policy to buy a term life insurance policy for the same death benefit using the cash value of the policy. The death benefit will continue for the longest period the cash value will purchase.<br/><br/>"Reduced paid up" — The insurance company will keep the policy in force permanently, but will reduce the death benefit.<br/><br/>Gerry Brogla, an actuary for State Farm, says in the majority of the cases at his company, the permanent policy continues as extended term if it lapses. At State Farm, extended term is the default option for most permanent policies.<br/><br/>If the policy lapses, and the extended-term period expires before the insured dies, the policy is worthless and the life insurance beneficiary will get nothing. If the insured dies before the extended-term period is up, the beneficiary will receive the death benefit. If the policy lapsed because the insured died (thus ending premium payments and causing the insurance to be placed in extended-term status), the beneficiary will still collect the full death benefit, regardless of when the extended term was up. The beneficiary always needs to supply the insurance company with a death certificate to verify the date of death.<br/><br/>There is no time limit during which a life insurance beneficiary must step forward to collect the money, according to Jack Dolan, spokesman for the American Council of Life Insurers. "If a person shows up 30 years after [the insured's] death, the company still makes good on it," Dolan assures.<br/><br/>What happens if no one ever reports the death?<br/><br/>If the insured dies and the insurance company does not learn of the death, the policy lapses. Insurance companies will take steps to find out why a policyholder stopped making payments.<br/><br/>When an insurance company stops getting payments, it sends letters to the insured informing him the policy may lapse as a result of unpaid premiums. If the letters go unanswered, the company might initiate a search to find the insured. If that comes up empty, the company will then lapse the policy.<br/><br/>If a beneficiary to a policy never steps forward, it unfortunately means the insured paid money to a policy throughout his life and his beneficiaries never see a penny. This is why its a good idea to make sure beneficiaries are aware of any life insurance policies you have.<br/><br/>If you're lucky, the state may have your money<br/><br/>In some cases when a beneficiary fails to claim a death benefit for several years, the money is transferred to the state where the insurance policy was purchased under the escheat laws.<br/><br/>If a company knows an insured died and it cannot find the beneficiary, it must turn the full death benefit over to the state comptroller's department within three to five years of the insured's death. The money is transferred to the state where the insured bought the policy. The money is considered "unclaimed property" and gets lumped in with dormant bank accounts and uncollected rent deposits. The comptroller's department maintains a database that lists the names and addresses of lost life insurance beneficiaries.<br/><br/>Many states will try to contact life insurance beneficiaries in an effort to pay the death benefits. In Texas, for example, the names and addresses of the beneficiaries are published annually in each county in the state. In New York, the Web site of the New York State Comptroller's Office of Unclaimed Funds has an online search to find any unclaimed death benefits owed to you. You can find out the procedures in your state by contacting the office of your state comptroller or treasurer.<br/><br/>Keep in mind your chances of finding the policy with the state are slim. The insurance company has no obligation to hand the money over to the state if it's unaware the insured died. In most cases, it's the beneficiary who contacts the insurance company.<br/><br/>Also, the insurer only transfers the money to the state three to five years after it cannot find the beneficiary but knows the insured died. If the state doesn't have the death benefit, it's likely the insurer is still looking for the beneficiary or doesn't know the policyholder has died.<br/><br/>Unclaimed death benefits are rarely transferred to the state. Dave Potter, a spokesman for Hartford Life, says less than 1 percent of his company's death benefits go unclaimed.<br/><br/>Del Chance, a life insurance claims manager at State Farm, says, "Turning over life policy benefits to an individual state after the death of an insured is extremely rare. State Farm utilizes their own search techniques as well as outside vendors to locate lost beneficiaries in the event of the death of one of our insureds. By and large these procedures have always located the beneficiary.<br/><br/>Tips for making sure your life insurance beneficiaries get your death benefit:<br/><br/>1. Give your beneficiaries your policy information. It can be a difficult and awkward conversation, but an important one.<br/><br/>2. Keep all your financial records (especially your life insurance policies) in one place. Don't force your beneficiaries to search your house from top to bottom after you die.<br/><br/>Tips for looking for lost life insurance policies:<br/><br/>1. Go through canceled checks or contact your relative's bank for copies of old checks. Look for checks made out to insurance companies.<br/><br/>2. Ask those who may have known about your relative's finances. Speak with the relative's lawyer, banker or accountant. Also contact the relative's insurance agent.<br/><br/>3. Contact your relative's past employers. They might know of possible group life insurance. The insured might have also purchased supplemental life insurance through work.<br/><br/>4. Check the mail for a year. Premium bills and policy-status notices are usually sent annually.<br/><br/>5. Look at income tax returns for the past two years. Check for interest income from policies or expenses paid to life insurance companies.<br/><br/>6. Contact the Medical Information Bureau. If your relative bought life insurance fairly recently, there might be a trail of the companies to which he applied. The Medical Information Bureau (MIB) maintains a database that might show if insurers requested your relative's medical information within the past seven years. Record searches can be requested through the MIB's Policy Locator Service and cost $75. The MIB says that nearly 30 percent of searches turn up leads.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-25472619501980390942009-03-19T08:12:00.003-07:002009-03-19T08:12:21.199-07:00Life Insurance Information<div style="float:left; padding: 12px"></div><div><br/><br/> <br/><br/>Life insurance is great for individuals that have a family, dependents and earn the most income to support their family. Life is unpredictable and it is important to ensure your family and loved ones are taken care of financially in case anything happens to you.<br/><br/>When shopping for life insurance in South Carolina, searching online and using the internet's resources are a great way to educate yourself on life insurance basics, shop and compare quotes for the best life insurance policy for you. There are three different types of life insurance policies - universal life insurance, cheap whole life insurance and cheap term life insurance.<br/><br/><br/><br/><strong>Universal Life Insurance</strong> - combines life insurance with savings. Insurers are able to have the benefits of term life insurance and combine that with tax-deferred interest accumulating savings account. Sometimes you may not even have to pay premiums during the entire policy. If your money to pay the death benefit and other costs accumulates in the tax-deferred savings portion of your policy, then premiums may not be required to keep the policy in force.<br/><br/><strong>Cheap Whole Life Insurance</strong> - this type of policy will cover you for your entire life. Your death benefit and premium generally remain the same. Whole life insurance also builds cash value, which could enable you to earn a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you are also able to borrow against that money.<br/><br/><strong>Cheap Term Life Insurance</strong> - this type of life insurance is low cost and great for young healthy individuals who are healthy and may not be able to afford cash-value life insurance premiums and want to ensure their dependents are taken care of in the event of death. Your policy will cover a pre-determined "term" which is normally one, five or ten years. Your premium payment and death benefits are only during that term. After the term you will have options to continue coverage and have the opportunity to convert to a cash-value life insurance policy.<br/><br/><br/><br/> <br/><br/><strong>Universal Life Insurance</strong><br/><br/>Universal life insurance combines <strong>cheap term life insurance</strong> with a tax-deferred interest accumulating savings account. This life insurance plan provides insurers with death benefit as well as incorporating savings abilities.<br/><br/><strong>Investing</strong><br/><br/>Universal life insurance is also known as "flexible premium adjustable life insurance," and gets this term because it is somewhat of a flexible version of <strong>cheap whole life insurance</strong>. Your insurance company will take a portion of your premiums and invest them in bonds, mortgages and money market funds. You earn the return on said investments which is credited to your policy tax-deferred. You usually receive a guaranteed minimum interest rate which is not dependent upon the performance of your investments so you will always get a certain minimum return on your money. When your investments do well, normally the insurance company will increase your interest rate return.<br/><br/><strong>Death Benefit</strong><br/><br/>You generally have two options when setting-up your universal life insurance policy. One option will pay your death benefit out of your policies accumulated cash value. This policy costs less in premiums, but it can take a while to build up sufficient benefit. The other option will pay you a face value that you agree upon in the contract plus your accumulated cash value. This option cost more in premiums, but you are guaranteed at least a specific amount of money in your death benefit. Most life insurance companies can set your policy up so you will have a no-lapse guarantee as long as you pay your minimum designated premium. The policy could stay in force to age 100 or above. Universal life provides you the flexibility to adjust your death benefit according to your needs allowing you to pay smaller or larger amounts depending on your finances.<br/><br/><strong>Cheap Whole Life Insurance</strong><br/><br/>Cheap whole life insurance policies cover you for life. Generally your death benefit and premium will always stay the same. <strong>Cheap whole life insurance</strong> builds cash value which is tax-deferred until you decide to withdraw it or borrow against it.<br/><br/>There are different types of cheap whole life insurance. These include traditional, interest-sensitive and single-premium whole life insurance policies.<br/><br/><br/><br/><strong>Traditional whole life insurance</strong> - this policy gives you a guaranteed minimum rate of return on your cash value segment.<br/><br/><strong>Interest-sensitive whole life insurance</strong> - provides a variable rate on your cash value portion which is comparable to an adjustable rate mortgage. This gives you the flexibility with your cheap whole life insurance policy such as increasing your death benefit without increasing your premiums depending on the economy.<br/><br/><strong>Single-premium whole life insurance</strong> - this is great for individuals who have a large sum of money who would like to purchase their policy up front. This cheap whole life insurance policy also accrues tax-deferred cash value.<br/><br/><br/><br/> <br/><br/>One of the features that make cheap whole life insurance popular is that a portion of your premium money goes toward your cash value which could pay off your entire policy after a few years. Another advantage is unless you make a change to your cheap whole life insurance policy, you will be covered for life with no future medical exams.<br/><br/><strong>Cheap Term Life Insurance</strong><br/><br/>Cheap term life insurance is great for those individuals who want to protect their family in the event of their death. <strong>Cheap term life insurance</strong> is often referred to as "pure insurance protection" because there is no cash value like cheap whole life insurance or universal life insurance. Cheap term life insurance also expires at a certain time after either a set number of years or when you reach a certain age.<br/><br/>A medical exam will most likely be required when you are buying cheap term life insurance. Most exams cover height, weight and medical history. Sometimes test results can hinder your ability to get approved for term life insurance or it could potentially increase your rates, but if you are healthy you should be fine.<br/><br/> <br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/life-insurance'>Life Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-20489922878035839392009-03-19T08:12:00.001-07:002009-03-19T08:12:10.907-07:00Buying Life Insurance After Being Diagnosed With Cancer<div style="float:left; padding: 12px"></div><div><br/><br/>The American Cancer Society estimates doctors will diagnose over 1.4 million new cases of cancer in the U.S. in 2007, with more than 559,650 cancer-related deaths. If you are among the majority of cancer patients and survive for at least five years following your diagnosis, you may face another fight: buying life insurance.<br/><br/>Buying life insurance for cancer patients is challenging, but not necessarily impossible. Your chances for securing a policy depend greatly on the type, stage and grade of the cancer, and even on the treatment plan. There is a relationship between the rate you'll receive and the curability of your cancer. Certain types of skin cancer, for example, are considered very low risk by life insurance companies and a skin cancer history may not even impact premiums.<br/><br/>Applicants with common and treatable forms of breast and prostate cancer may be able to get a "standard" rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a "substandard" or "high substandard" rating at best, or receive declines. Anyone with cancer that has metastasized likely won't be able to obtain a policy.<br/><br/>Dr. Charles Levy, senior vice president and chief medical director of AIG American General Domestic Life Insurance Cos., says, "We're better and better able to differentiate the risks of individual cancers." Life insurers like AIG American General have sophisticated tables to determine premiums, where they can factor in cancer types and treatments. The end result is better premiums because applicants aren't lumped together as an "average."<br/><br/>Most insurers will not offer a policy to someone who is still undergoing treatment for cancer. Depending on your type of cancer, the life insurer may also want to add a surcharge, also called a temporary flat extra. For example, AIG American General sometimes charges temporary flat extras for two to five years, depending on the applicant's cancer and treatment. The good news is that although these extra premiums can be expensive, they will automatically disappear after a set period of time.<br/><br/>Cancer insurance risk specialists<br/><br/>While a dedicated life insurance agent will search cancer insurance companies to find insurers that will sell you a life insurance policy, in some cases you may be better off seeking out a broker who specializes in finding life insurance for people who have a history of cancer.<br/><br/>These brokers will know the specific questions underwriters will want answered when considering your application. Many brokers have developed relationships with several insurers, so they know which companies offer the best-priced life insurance policies for cancer survivors. Some brokers have experts who specialize in gathering your medical records and organizing them.<br/><br/>By directing your application to life insurers that will view your application most favorably, these brokers will help you find the most accurate price quotes and the lowest premiums for life insurance. Always check the financial strength of the insurer before you buy any policy and be sure that the agent or broker you choose is licensed in your state.<br/><br/>Life insurance strategies for cancer survivors<br/><br/>If you are a healthy cancer survivor, life insurance is even more feasible. There are things you can do to ensure you're getting the best premium offers possible for your situation.<br/><br/>1. Gather all possible medical records before you apply, from the first pathology report to medical records to treatment records. That ensures medical underwriters have the most complete picture of you, your health, and your cancer history. Having all those records before you apply for cancer insurance will reduce delays in your application process, because your life insurer is going to request them and will wait for them. The information you provide can garner you better premiums in the end: The less life insurer underwriters knows about you, the more likely they are to have to assume you are the highest risk and offer you high premiums accordingly. According to Levy, "If it's fuzzy, we're more likely to err on the side of conservatism."<br/><br/>2. Make sure you have complied with your doctor's treatment plans. For example, says Levy, if your doctor asked to see you back in one year and you haven't been back in four years, get to your doctor for your check-up before you apply for life insurance. Your life insurer is not going to offer you a policy without before seeing the results of that check-up. Similarly, if you've had breast cancer and you're due for a mammogram in December and you apply for cancer insurance in October, your life insurer will likely wait for the results of your next mammogram.<br/><br/>3. Get prices from several companies. Policy costs can vary a great deal among companies.<br/><br/>4. See if you can get group life insurance through a professional, fraternal, membership, or political organization to which you belong.<br/><br/>5. Consider a "graded" policy (one with limited benefits) if you cannot get full death benefits. In the first few years of a graded policy, the company pays only the premiums and part of the face value if the insured person dies of a condition, such as cancer, that existed before the policy took effect. If the insured person dies after the specified grading-in period, the company will pay the full face amount of the policy.<br/><br/>If your cancer has been successfully treated, and you are otherwise in good health, you can likely obtain a cancer life insurance policy. If you can show that you are healthy and your treatments have gone well, several insurers may compete for your business.<br/><br/><br/><br/><a href='http://onlinecarinsurance.info/category/insurance-broker'>Insurance Broker</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-82421912548452089762009-03-19T08:09:00.003-07:002009-03-19T08:09:46.536-07:00How do life insurance agencies make their profit?<div style="float:left; padding: 12px"></div><div><br/><br/>I have a few questions here and thanks in advance.<br /><br />Can anyone please explain how do life insurance agencies (or financial advisory agencies) make their profit? <br /><br />Is that true that the life insurance companies are paying around 100% of total first year premium to the agents? How do the agencies split that with the agents?<br /><br />I would appreciate if you can throw in some numbers, since i am looking to invest some angel capital into an agency, so you would help if you give numbers.<br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-9605735039662048292009-03-19T08:09:00.001-07:002009-03-19T08:09:38.306-07:00Life Insurance?<div style="float:left; padding: 12px"></div><div><br/><br/>My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there... wouldnt know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you paying? Is it fixed or does it go up every few years? We live in Florida also. Any help would be appriciated.<br/><br/><a href='http://onlinecarinsurance.info/category/travel-insurance'>Travel Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-1620693330914891892009-03-19T08:08:00.003-07:002009-03-19T08:08:39.028-07:00What is the best life insurance company to work for with great commission?<div style="float:left; padding: 12px"></div><div><br/><br/>What life insurance company is the best in the nation to work for and why? I am doing research and trying to figure out which life insurance company is best to work for or what is the best strategy working in the insurance field.<br/><br/><a href='http://onlinecarinsurance.info'>Online Car Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-60560379880322883852009-03-19T08:08:00.001-07:002009-03-19T08:08:31.146-07:00What exact is whole life insurance, and how do life insurance companies profit from selling it?<div style="float:left; padding: 12px"></div><div><br/><br/>Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup if they are bound to pay back an amount that is at least equal to the total amount paid? <br /><br />I have tried to do some research on my own, but I still can't seem to fully understand this matter. Any help will be greatly appreciated!<br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-69869157920458298312009-03-19T07:58:00.005-07:002009-03-19T07:58:27.034-07:00How can I find out the other driver's insurance information?(My Original Blog Post: <a href="http://onlinecarinsurance.info/how-can-i-find-out-the-other-drivers-insurance-information.html">http://onlinecarinsurance.info/how-can-i-find-out-the-other-drivers-insurance-information.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/IgeHH8uFq5o&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/IgeHH8uFq5o&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>How can I find out the other driver's insurance information?<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-2817021515549840042009-03-19T07:58:00.003-07:002009-03-19T07:58:07.489-07:00Motorcycle Accident Attorney Dallas W. Hartman - Phantom Driver Cases(My Original Blog Post: <a href="http://onlinecarinsurance.info/motorcycle-accident-attorney-dallas-w-hartman-phantom-driver-cases-2.html">http://onlinecarinsurance.info/motorcycle-accident-attorney-dallas-w-hartman-phantom-driver-cases-2.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/k636dxUa2Dc&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/k636dxUa2Dc&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>Pennsylvania motorcycle accident attorney serving Ohio and all of PA. When you are riding your motorcycle and you have been ran off the road by another driver and they do not stop, you may be able to recover damages from your own insurance company for lost wages, pain and suffering and your medical bills. We have handled cases in places like Bedford, Johnstown, Altoona, Indiana, Kittanning, New Castle, Pittsburgh, Sharon, Clarion, Dubois, Erie, Youngstown and surrounding areas. Call today ...<br/><br/><a href='http://onlinecarinsurance.info/category/cheapest-insurance'>Car Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-78146252781433210922009-03-19T07:58:00.001-07:002009-03-19T07:58:03.836-07:00FRASER TV News - Paying TOO MUCH for Auto Insurance(My Original Blog Post: <a href="http://onlinecarinsurance.info/fraser-tv-news-paying-too-much-for-auto-insurance-2.html">http://onlinecarinsurance.info/fraser-tv-news-paying-too-much-for-auto-insurance-2.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/4HRpRCAghVo&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/4HRpRCAghVo&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>Your annual premiums may be higher than they need to be if you live in certain areas of Canada.<br/><br/><a href='http://onlinecarinsurance.info/category/insurance-broker'>Insurance Broker</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-65623421295976063092009-03-19T07:57:00.001-07:002009-03-19T07:57:38.002-07:00State Farm "Young Driver" Insurance Commercial(My Original Blog Post: <a href="http://onlinecarinsurance.info/state-farm-young-driver-insurance-commercial-2.html">http://onlinecarinsurance.info/state-farm-young-driver-insurance-commercial-2.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/j_dkyByzD-Y&hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/j_dkyByzD-Y&hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div><br/>In the State Farm http://www.statefarm.com commercial titled "Young Driver", we illustrate that, as our children begin driving, we often think of them as too young to undertake such a large responsibility. State Farm's Steer Clear® Program can help you prepare your child for this awesome responsibility by teaching safer driving habits - which will give you piece of mind - while you get a lower rate. The spot was created to raise awareness of State Farm's Steer Clear Program, and to offer ...<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-46507134077716326312009-03-19T07:45:00.005-07:002009-03-19T07:45:42.314-07:00Can any body tell me what is the lowest online car insurance company?(My Original Blog Post: <a href="http://onlinecarinsurance.info/can-any-body-tell-me-what-is-the-lowest-online-car-insurance-company.html">http://onlinecarinsurance.info/can-any-body-tell-me-what-is-the-lowest-online-car-insurance-company.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><br/>i have an old car and sometimes i use it but i think i pay too much to insure it $55 a month and it is just liablity insurance and i am looking for an online insurance company that can give me a very low rate<br/><br/><a href='http://onlinecarinsurance.info/category/life-insurance'>Life Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-79099092206946491402009-03-19T07:45:00.003-07:002009-03-19T07:45:28.664-07:00what is the cheapest motorhome insurance to purchase online?(My Original Blog Post: <a href="http://onlinecarinsurance.info/what-is-the-cheapest-motorhome-insurance-to-purchase-online.html">http://onlinecarinsurance.info/what-is-the-cheapest-motorhome-insurance-to-purchase-online.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><br/>I just bought an older 26 ft. class c motorhome and need to get insurance just to put a plate on it so the city ordinance officer cant screw with me because it is parked in my driveway.I live in Michigan.I wont be using this until fall and dont want to insure this yet through my regular insurance carrier.Does anyone know of a online insurance company thats fairly cheap?<br/><br/><a href='http://onlinecarinsurance.info/category/insurance-compare'>Insurance Compare</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-31119110570958717942009-03-19T07:45:00.001-07:002009-03-19T07:45:15.347-07:00What is the cheapest online car insurance for an 18 yr old male?(My Original Blog Post: <a href="http://onlinecarinsurance.info/what-is-the-cheapest-online-car-insurance-for-an-18-yr-old-male.html">http://onlinecarinsurance.info/what-is-the-cheapest-online-car-insurance-for-an-18-yr-old-male.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><br/>My stepson needs to get some online insurance today............dont have alot of time to research. What would you say is the cheapest car insurance available on line........monthly payments?<br />Thank you Misty flip. Agent Denim......that was my original suggestion to him. We will get him on our insurance!<br />And Ricknows.........Im just asking what he wanted to know. It's not laziness.........I assure you! So don't get so snitty!<br/><br/><a href='http://onlinecarinsurance.info/category/driver-insurance'>Driver Insurance</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0tag:blogger.com,1999:blog-1798830710362437775.post-69038481667027150692009-03-19T07:44:00.000-07:002009-03-19T07:45:00.110-07:00What has been the effect of online insurance on the insurance intermediary?(My Original Blog Post: <a href="http://onlinecarinsurance.info/what-has-been-the-effect-of-online-insurance-on-the-insurance-intermediary.html">http://onlinecarinsurance.info/what-has-been-the-effect-of-online-insurance-on-the-insurance-intermediary.html</a>)<br /><div style="float:left; padding: 12px"></div><div><br/><br/>When online insurance emerged it provided private and corporate clients with the opportunity of purchasing insurance products online without the use of the intermediary. What if any has been the effect of online insurance on the insurance intermediary.<br/><br/><a href='http://onlinecarinsurance.info/category/car-insurance-rate'>Car Insurance Rate</a></div>Online Car Insurance - onlinecarinsurance.infohttp://www.blogger.com/profile/02951538880697895622noreply@blogger.com0