tag:blogger.com,1999:blog-82819330212669005492024-03-13T19:32:31.722-07:00Insurace All OverChu_Piihttp://www.blogger.com/profile/08244245407923289784noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-8281933021266900549.post-88406114256731697042009-08-18T00:59:00.001-07:002009-08-20T01:25:08.675-07:00Insurance 4 Life?<p class="ArticleText" style="MARGIN: 4px"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">It is not easy to decide the type of insurance you are looking for. There are many aspects to be pondered upon before deciding on a policy that is beneficial to you. You should follow a cautious approach while making your decision.<br /><br /></span></span><span style="font-size:+0;"><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">Buying Life Insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"> - Some Important Considerations </span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"><br />What are you looking for in the policy that you have in your mind? Will it achieve your desired goal? Are you looking for a policy that will pay for your funeral charges, pay your mortgage and other debts, pay for the education of your children or compensate for the loss of your income. Are you looking for a combination of features? Are you looking for a policy for yourself or for your spouse also?<br /><br /></span></span><span style="font-size:+0;"><span style="font-size:+0;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">Another aspect is to decide for how long you want the insurance to continue. The selection of </span></span><span class="IL_LINK_STYLE" style="FONT-WEIGHT: 400; BORDER-BOTTOM: rgb(0,153,0) 1px solid; FONT-STYLE: normal; TEXT-DECORATION: underline"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">life insurance term</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"> depends on various factors such as mortgage pay off period, completion of children's education, your retirement plan and so on. These factors will give you an idea to decide the type of insurance you should go in for. Online information can put to rest all your fears. Once you have decided your course of action, you will be comfortable with the </span></span></span><span class="IL_LINK_STYLE" style="FONT-WEIGHT: 400; BORDER-BOTTOM: rgb(0,153,0) 1px solid; FONT-STYLE: normal; TEXT-DECORATION: underline"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">life insurance plan</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"> that you have identified for yourself.</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"><br /><br /></span></span><span style="font-size:+0;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">It is always advisable to compare the </span></span><span class="IL_LINK_STYLE" style="FONT-WEIGHT: 400; BORDER-BOTTOM: rgb(0,153,0) 1px solid; FONT-STYLE: normal; TEXT-DECORATION: underline"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">life insurance quotes</span></span></span><span style="font-size:+0;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"> on the internet and find out where you stand. You can also find whether you have been quoted rates for a standard or preferred life insurance. The majority of population lands up with </span></span><span class="IL_LINK_STYLE" style="FONT-WEIGHT: 400; BORDER-BOTTOM: rgb(0,153,0) 1px solid; FONT-STYLE: normal; TEXT-DECORATION: underline"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">standard life insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"> because of some health problems. Only those people who are perfectly healthy are eligible for the preferred life insurance which is given once your medical report and family health history is available. The more information you provide on your health the better it is. The premium for preferred life insurance is less as compared to </span></span><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">standard life insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">.</span></span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;"><br /><br />The next question arises from which company you should purchase the insurance policy. </span></span></p><p class="ArticleText" style="MARGIN: 4px"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">Which company can be trusted? Be careful about the insurer's strength's, weaknesses, financial stability and their availability whether it is through telephone or web site only</span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">. </span></span></p><p class="ArticleText" style="MARGIN: 4px"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">Some of them can be probed through for their financial strength and stability. </span></span></p><p class="ArticleText" style="MARGIN: 4px"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333ff;">You should have an insurer who is readily accessible and can be trusted.<br /><br />As changes are likely to occur in your life you should consider various restrictions placed on the policy, whether conversion and cancellation options without any charges are available at the time of going in for a particular policy. Are any renewal options available? If yes, study them in detail before finalizing an insurance policy for yourself. </span></span></p>Chu_Piihttp://www.blogger.com/profile/08244245407923289784noreply@blogger.com0tag:blogger.com,1999:blog-8281933021266900549.post-9725447445433909942009-08-18T00:58:00.001-07:002009-08-18T01:42:45.300-07:00Take a Look FIRST!!<p class="ArticleText" style="MARGIN: 4px"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Insurance is one of the most essential financial tools you will need in all aspects of your life, yet it is a topic that many people overlook. Insurance can be boring as well as confusing, but it is important that you get the basics right so that you don't get caught out.<br /><br />Always need more<br /><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">When you are looking at which </span></span><span class="IL_LINK_STYLE" style="border-bottom-color: rgb(0, 153, 0); border-bottom-width: 1px; border-bottom-style: solid; font-style: normal; text-decoration: underline; font-family:Verdana, Helvetica, Tahoma, Arial, sans-serif;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">types of insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"> you need, it is easy to overlook some things that you need insuring. If you can afford to insure something or be protected against something then it pays to do so. You usually need more insurance than you think, both in terms of </span></span><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">types of insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"> and levels of cover.</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br /><br />Don't pay too much<br /><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Although insurance is necessary, you don't want to pay too much for it. Insurance is only worth it at the right price. Paying too much for insurance will outweigh the advantages that it gives you. Always shop around for your insurance, and consult </span></span><span class="IL_LINK_STYLE" style="border-bottom-color: rgb(0, 153, 0); border-bottom-width: 1px; border-bottom-style: solid; font-style: normal; text-decoration: underline; font-family:Verdana, Helvetica, Tahoma, Arial, sans-serif;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">independent financial advice</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"> if you are unsure about which insurance package is right for you.</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br /><br />Look online<br /><br />If you want information about insurance terms, prices, or lenders then the best place to look is online. Some of the best insurance deals can be had online, and using one website to compare prices is much more convenient than walking round your high street talking to different lenders. If you want to save time then look online for your insurance first.<br /><br />What insurance do you need?<br /><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Obviously the type and amount of insurance you need really depends on your lifestyle and individual needs. However, there are a number of </span></span><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">types of insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"> that most people should </span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br />have or at least consider having. These include:<br /><br />? Life insurance<br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">? </span></span><span class="IL_LINK_STYLE" style="border-bottom-color: rgb(0, 153, 0); border-bottom-width: 1px; border-bottom-style: solid; font-style: normal; text-decoration: underline; font-family:Verdana, Helvetica, Tahoma, Arial, sans-serif;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Vehicle insurance</span></span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">? </span></span><span class="IL_LINK_STYLE" style="border-bottom-color: rgb(0, 153, 0); border-bottom-width: 1px; border-bottom-style: solid; font-style: normal; text-decoration: underline; font-family:Verdana, Helvetica, Tahoma, Arial, sans-serif;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Property insurance</span></span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">? </span></span><span class="IL_LINK_STYLE" style="border-bottom-color: rgb(0, 153, 0); border-bottom-width: 1px; border-bottom-style: solid; font-style: normal; text-decoration: underline; font-family:Verdana, Helvetica, Tahoma, Arial, sans-serif;"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Liability insurance</span></span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br />? Travel insurance<br />? Medical insurance<br /><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">Obviously there are many other </span></span><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">types of insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">, and if you have something that you want to protect then you will probably be able to get insurance for it.</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"><br /><br />Is insurance worth it?<br /><br />Many people think that insurance is a waste of time because it costs them money and they never claim. This is a good thing, because you really don't want to have to claim on your insurance. Good insurance is essential, because it protects the things that we value most. If anything should happen to these items then we know we will be compensated for it or be able to replace it.<br /><br />Insurance to avoid<br /><br /></span></span><span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">As well as good insurance there are plenty of </span></span><span class="IL_SPAN"><input type="hidden" name="IL_MARKER"><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;">types of insurance</span></span></span><span class="Apple-style-span" style="font-size:small;"><span class="Apple-style-span" style="color:#3333FF;"> that you should avoid. Never pay too much for your insurance or more than you think it is worth, because this defeats the point of the insurance policy. Also, don't sign anything that has strict limits on what you can claim for, making the policy almost worthless. Try and get a good level of cover at the right price, and before agreeing to anything check that the lender is reputable and that if you need to claim they will be able to compensate you. </span></span></span></p>Chu_Piihttp://www.blogger.com/profile/08244245407923289784noreply@blogger.com0