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Insurance Information
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Why Boat Insurance Doesnt Help A Lousy Sailor For thousands of years men have sailed the seas. From the earliest trips by the discoverers and settlers of the Americas, Australia and the Pacific Islands, through Odysseus' voyage to Troy and beyond to the time of Swashbucklers in the Caribbean mankind has made exciting voyages to the far corners of the world. Life Insurance Providing Little Protection from Terrorism Recent statements by the City of London Police Commissioner James Hart that future terrorist attacks in London's financial centre are, "a matter of when, rather than if", will increase already serious concerns over issues of personal and business financial protection. How To Best Handle Health Insurance Plan Changes Many economists have suggested and recent economic data indicates that the economy is steadily moving in the right direction. A combination of several factors has no doubt had a negative impact on the economy over the last several years. 7 Tips Toward Helping You Reduce Your Insurance Costs Not a year goes by that insurance rates go up. At least it seems that way. You can control ? even reduce ? your insurance expenses by following these seven easy to remember tips. Types of Long Term Care Insurance Regardless of what some people might think, medical insurance will not cover the expenses and services that long term care insurance covers. Disaster Decision - Do You Need Insurance? The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance. Car Insurance No Claims Bonus Explained No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus. Life Insurance No Medical Exam - Is It Really Possible? Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs. It is only a click away on a computer, but you really do need to check to see if life insurance without having to visit a medical doctor applies to you. An Introduction to UK Home Insurance Unlike motor cover, home insurance is not a legal requirement in the UK. It is, however, a vital precaution against unforeseen bills caused by incidents such as natural disasters or break-ins. It is a false economy to avoid home insurance premiums in order to save cash in the short-term because in case of misfortune you will be left without a leg to stand on and could be faced with some of the heftiest bills you will ever come across in your life. Whether you own your house / home outright or are still paying off your mortgage, the house you own probably represents the biggest investment in your life and one of the most important factors in maintaining your well-being. Everyone wants a roof over their head to have peace of mind free from worries about their house! How Does Credit History Affect Car Insurance Rates? Many personal car insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new car insurance, keep in mind that many insurers are looking at your credit history to determine your car insurance rates. I hope that we will be able to let you know why and how they do this. Saving on Auto Insurance: The Road to Reduction The road to saving on auto insurance is something that every consumer travels at one time or another. And the quest is really not as difficult as it may appear. Saving on auto insurance can be a snap if you know the right places to look, and the best avenues to shop around. How Is Your Auto Insurance Policy Price Determined? The average auto insurance policy price is derived from a variety of factors. Many of these variables are common knowledge and make sense for the most part but it's always a good idea to refresh yourself with what insurance companies are looking for when determining how much your coverage will cost. Private Medical Insurance- Finding The Right Policy for You Why Private Medical Insurance Is Becoming So Popular Risk Retention Groups RRG In response to a hard insurance market in the mid 1908's, Congress passed the Liability Risk Retention Act of 1986. The legislation was intended to simplify the regulatory process for affinity groups such as doctors, real estate developers etc, who wanted to find an alternative to the and unavailability high cost of certain types of insurance coverage. The Act created two new legal statuses: Risk Purchasing Groups and Risk Retention Groups. Why Dont Women Have Life Insurance? Traditionally, life insurance companies solicited men as the main breadwinners in a family to ensure, that they had adequate life insurance coverage. Auto Insurance Rates Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on. Finding a Discount Car Insurance Broker Discount car insurance broker Health Savings Account (HSA): What Happens to it When I Retire? The Health Savings Account (HSA) is a great tool that is going to helpus all reduce our health insurance costs and avert the currenthealthcare crisis in America. But what happens when a personretires? What use is an HSA then?Your HSA transforms itself at that moment you turn 65, when youofficially become eligible for Medicare. Your Health Savings Account,which will have served you all those years as a nice financial cushionbefore you begin using your insurance policy, flips into something very similar to an Individual Retirement Account (IRA).That's right. An HSA essentially becomes an IRA when you turn65. The reason for that is that when you turn 65, you areeligible for Medicare, and HSAs are not meant to help you withMedicare, that is its own system.So what happens to that money left over in your HSA? If youhaven't been sick much, there could be hundreds of thousands of dollarsin there!Don't worry, it's safe. There is no "use it or lose it" policywith HSAs. That is one of the great things about the HSA.No, your dutiful HSA has now become a retirement account. Nowthat you're 65, you can begin to pull money out of your HSA withoutpenalty and use it for anything. Use the moneyfor roller blades, dinner, a new computer, a car, or give it to yourkids. It's yours to do with what you want. No penalties forwithdrawing money. However, remember, when you take money out of any IRA, that money istaxed by the IRS. You got a tax-deferral when you put the moneyin, and now you pay taxes to take the money out. Fair, isn't it?If you want to avoid paying taxes on that money, no problem. Juststick to using the money for healthcare expenses (as approved in IRSPublication 502) and you won't pay taxes on the withdrawals, even afteryou're 65.This is just one of the many ways HSAs are so useful and helpful forAmericans savings for their own healthcare. The HSA is available todayfrom many insurance agents and financial planners. Insurance Claim - Medical Insights And Expenses There's nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the "pain and suffering" you were forced to deal with. Insurance For All Your Gadgets Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today. Here in the 21st century our lives have become more and more reliant on mobile items. As we go through our days, keeping a mental log of everything we have and where we have it becomes more and more difficult. It is inevitable that some things get lost. In fact as stated in a recent research "Around 62,000 mobile phones were left in London taxis during the last six months. That's an average three phones per taxi, according to a survey of licensed London cabbies by the Taxi Newspaper and Pointsec Mobile Technologies. Absent minded and drunken travellers also forgot 4,000 laptops and 5,000 PDA's when exiting cabs".
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