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1. What is Gap Vehicle Insurance? Insurance that ensures the owner for the difference between what is owned on the vehicle and what the insurance company determines that the automobile is worth.

2. Who Needs Gap Vehicle Insurance? Gap Vehicle Insurance is usually needed if you owe more on the automobile than it is actually worth-ie: if you have negative equity in the vehicle.

3. Is Gap Vehicle Insurance Required? Most lending institutions don t require the insurance. However, if you are leasing an automobile it might be required.

4. Can I Get It On a Used Automobile? Depending upon the insurance provider, you might be able to get Gap Vehicle Insurance on an older model automobile.

5. Where Can I Get It? Gap Vehicle Insurance can be purchased at the dealership at the time of the transaction. It can also be purchased from local insurance providers or through providers on the internet.

6. What Does It Cover? Most policies only cover accidents and theft.

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There are some jobs that you know are high risk: firefighting, construction work, military service. What people don t realize is that some jobs can put you at risk for microscopic toxic substances that damage the respiratory system, silently yet steadily, and by the time you ve discovered that you re sick, you re already been diagnosed with lung cancer.

Look at the odds: 150,000 people develop lung cancer a year, and 15% of those are from

People who had been exposed to chemical substances (asbestos, silica dust, radon, and environmental pollutants) while they were at work. If you are in any of the following occupations, you should take out disability insurance. It gives the assurance that if you do get sick because of your job, and have to take weeks and months off for treatment, you ll be properly prepared. In fact, disability insurance will often replace up to 80% of your gross income, tax-free. It s money when you need it most-when medical bills are high, and you no longer have your job t (more...)