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Any form of insurance can be seen as a risk.

You pay a monthly or annual premium to an insurance company for a set amount of cover, effectively passing the risk to the insurance company. As long as you pay the premiums you ll continue to be covered, for whatever purpose.

When it comes to protecting YOURSELF in the form of life assurance, critical illness cover, permanent health insurance or private health insurance you really do need to take the time to do your research (or pay someone to do it for you) as this form of cover is not the type that you ll normally be shopping around for on an annual basis.

For example, once you ve applied for and been accepted for income protection cover it s unlikely that you ll change the plan or company that you re insured with in the future as the cover is based on your age and health at the time you apply.

One of the factors that you may not have included in your research is the actual claims history of the insurance company that you choose. (more...)

Looking for short term health insurance? Here s how to get affordable short term health insurance coverage the easy way.

Short Term Health Insurance

Short term health insurance is health insurance coverage that usually lasts for 6 to 12 months, depending on your needs. It protects you and your family during times when you have no other health insurance coverage. For example, when you are …

* Between jobs

* A part-time or temporary employee

* A college student no longer covered by your parents policy

Short term health insurance also provides an affordable alternative to COBRA coverage.

Short Term Health Insurance Costs

When you need the protection of short term health insurance, where can you find an affordable plan? Fortunately, because short-term health insurance plans are intended for people who may not be working, the plans are made to be affordable.

Your premium will typically be about the same as an average car payment. In additio (more...)