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Article Directory » Tag Cloud » insurance

Insurance : Health Insurance 101

We all understand the importance of health insurance; however, as the types of health insurance continue to increase it is becoming more and more difficult to select the type of coverage that is best for you and your family. To help you find out which type of policy might benefit you the most, let’s take a look at the most common types of policies. There is usually a lot of hype regarding HMOs so let’s look at that one first. A HMO is a health maintenance organization plan...

Insurance : Tell The Truth With Life And Critical Illness Insurance

Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder. Ms W had to have an operation to eradicate cancerous lymph nodes from her groin, and imme...

Insurance : Pay as You Go car insurance?

You are not using your car very much so why are you paying high premiums? With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go.

Insurance : Should Your Life Insurance Policy Be Written In Trust?

According to one of the largest UK life insurance companies, just 1% of life policies are written in trust. That is disgraceful and reflects poorly on the financial industry. Let's explain. If your life insurance policy is “Written in Trust” then, in the event of a claim, the insurance company pays out directly to the beneficiaries you name on the policy. The significance of this is easily missed. It means that if the policy is “Written in Trust”, the proceeds fro...

Insurance : Life Insurance Take A Last Gasp And Count The Savings!

We're not being insensitive, honestly! We're talking about your last gasp of smoke – have you given up smoking recently? Did you know that smokers paying up to 60% more for their life insurance cover compared to non-smokers. So, besides the health dividend and the money saved on cigarettes, insurance companies will chip in with lower life insurance premiums. And the insurance savings aren't to be sneezed at! A typical policyholder could save at least Ј10 or more per month...