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Many van drivers and commercial vehicle owners often rely heavily on their vehicles as a source of income. For this reason it is important that you look after your vehicle well and make sure you are sufficiently insured should anything go wrong.

One of the most important factors of insuring your commercial vehicle is making sure you have the right cover for you vehicle and it s intended use.

Commercial Insurance
Commercial vehicle use is often defined as:

The use of a vehicle for transporting goods or passengers for reward hiring a vehicle, or use of the vehicle for paid driving instruction.

The second two points in that statement are fairly self explanatory, but the first part can be somewhat ambiguous. Transporting passengers includes services such as taxis or chauffeur driven vehicles. The transporting of goods can include delivery items such as pizzas or flowers or moving stock from a supplier to your shop. Some insurers can provide commercial insurance only for trans (more...)

Premium Financing for Life Insurance can allow you to have what amounts to basically free Life Insurance. Just how does this work?

The basic idea behind premium financing for Life Insurance is that a loan is made by a bank or other financial entity and the proceeds from the loan are used to pay the premiums on a Life Insurance Policy. The loan is repaid with the proceeds from the death benefit. The loan can be collateralized or not although the cost of the loan will be considerably lower if it is.

Most financial advisors view premium financing as be a good option for individuals who have a large amount of non-capital assets such as real estate. The non-capital property can be used as collateral for the loan. The loan can be used to purchase a large amount of insurance without the need for the client to use any capital for the payment of premiums. This is a good way to get assets that may not normally be available for investment purposes to produce a better return.

Premium financing is (more...)