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Do you get cold calls from insurance agents wanting to help you save money? How many times do you just say, “No thanks. I m happy with my current broker”?

Studies of the insurance industry indicate that at any given time only about 3% of companies are unhappy with their insurance agents. That means that all the insurance agents who want to expand their book of business have to constantly look for those 3% of companies who are ready to make a change.

The sad fact is that most of the remaining 97% of companies could probably decrease their business insurance premiums by up to 10%. That 10% savings is an average. A small percentage of companies are already getting the best deal possible. I have only rarely seen insurance carriers decline to compete with existing policies.

While you may be happy with your current broker, rest assured your current broker is ecstatic with you. You represent money in the bank to him. He may even be charging you additional “placement (more...)

So you ve just graduated from college, don t yet have a job and have just found out that you re no longer covered under your parents health insurance plan. Maybe you ve decided to leave your current job and look for a new one. Or perhaps you ve found that perfect new job, but your new employer s group health insurance plan is making you wait for three months before you re eligible to use it. These are all certainly sound reasons to look into short-term individual health insurance in the state of Texas.

Short-term is as the name implies - health insurance that usually provides coverage from 30 to 180 days. There are some plans that will cover you initially for up to a year. And if your short-term need runs longer than the coverage, you may be able to renew the plan, but don t count anything longer than 12 months.

Most short-term plans offer coverage in the event of an accident or a sudden illness. And like most health insurance plans, short-term plans may have benefit limits, which means you (more...)

Finding the right term life insurance quote online for a policy that fits the needs of you and your family can be an extremely challenging task - especially since you are probably weary of putting your trust in a company you have likely never heard of to take care of your family s financial future at the time of your death.

Because so much is riding on your choice of a reputable and trustworthy insurance company, you need to thoroughly research each and every company and policy out there so you can find the best plan to keep your family secure in the future. While this was a daunting chore a few years ago, thanks to websites and faster internet speeds it is possible to compare policies and providers almost instantly - making your research much quicker and more accurate.

Receiving an insurance quote through the web has really never been easier. If you have the know how to answer a couple of simple questions about your job, health and hobbies like base jumping or smoking, then you can get a fe (more...)

A life insurance settlement refers to the purchase of the insurance policy before the maturity date or the demise of the policyholder. There are some life insurance settlement companies or brokers whose sole business is the purchase of life insurance policies from the holders. These companies will pay a fixed portion of the policy amount to the holders and make all the necessary documentation with the insurance company for the change of the ownership and the beneficiary of the policy. Once they got confirmation from the insurance company stating the change of the ownership, they start paying premiums to the insurance provider. They receive the full policy amount either on the date of the maturity or on the demise of the policy owner, whichever is earlier.

Depending on the purpose of opting for life insurance settlement, two types of life insurance settlement options are available, namely Viatical life insurance settlements and Senior life insurance settlements. If the policy owner is suffering from (more...)

The word “cheap” means different things to different people, so the first thing you will want to do is to define what “cheap” means in your vocabulary. If it means that you want the bottom line lowest of the low prices to get cheap auto insurance, and the only thing you are concerned about is what the policy costs, then this may not be for you. But if you are looking for the best value to get the most bang for the bucks, then there are multiple places, online and offline, where you can find cheap auto insurance.

You need to understand that not all auto insurance policices are done the same way. The standard policy from one insurance carrier is significantly different than the standard policy from another insurance provider. You also need to know that whatever you get, everything comes at a cost, and sometimes if you don t pay that cost up front, you WILL pay it later, and there is no getting around that.

For example, the reason you are carrying cheap auto insuranc (more...)

The importance of childrens health insurance cannot be stated strongly enough. Our children, besides the fact that they are precious and rely on us adults to provide for them, are also the future of our nation and some day will be taking care of us as we grow into our elderly years.

Ten years ago, then President, Bill Clinton, signed into law the SCHIP program. SCHIP stands for “State Children s Health Insurance Program”. This program has been incredibly successful since it s inception, helping over 6 million poor children get health care that they may not have gotten otherwise. Unfortunately, SCHIP is running out of money and the initial 10 year run of the program is up in September of 2007. 14 states have already run out of funding, while others have hurriedly passed new budgets in order to keep the program alive for the children of their low income families.

The SCHIP program was originally designed to provide help to working families whose income was too high to qualify for M (more...)