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Long term care insurance doesn t come cheap, and it also tends to be more
complex than other types of insurance. When purchasing long term care insurance, one of the several things you should consider is the rating of the insurance company - although most of us don t pay much attention to it.

The ratings system was basically designed to ensure that the insurance company
issuing a policy is financially sound. There are several different independent
companies that offer ratings systems including such familiar names as Standard
and Poors and Moody s.

Perhaps the most well known of the ratings companies is A.M. Best which
publishes over 50 different reports about insurance companies and the industry
in general. The company has been in business over 100 years, and is the largest
such company in the world.

Technically the credit ratings evaluate the risk potential and the
creditworthiness of a particular company - they aren t really meant to (more...)

Women often get poorer deals in many things. Car insurance is an exception. It certainly pays to be a woman as far as getting lower rates is concerned. And, insurers have good reasons for this position.

The roughest drivers are usually male. If a driver is attempting risky maneuvers, it s likely a male driver. Women, by their very nature, are not prone to being physically rough. Although some women may have such inclinations naturally, societal pressures reduce them. We, as a people don t like our women rough.

Driving for very long hours isn t something most women do. This makes their average mileage lower than that of their male folks. In a family, it s often the male drivers who take over for long trips.

Women also drive smaller cars. These are less expensive to maintain. Furthermore, they ll also go for cars that have better safety features.

These and other factors make insurers favor women given similar profiles.

That said, you ll not get equal treatment from every i (more...)