There are several insurance for iphones companies. What makes the difference is how insurance for iphones services are offered. It is some times so limiting that all those seeking insurance for iphones are not catered for. The insurance for iphones company which does not lock you out because your iphone is not brand new is GoTronics. At GoTronics insurance for iphones are offered to any iphone which passes the evaluation test. This test is basically done to get the value of your iphone. There are so many well trained technicians at the GoTronics insurance for iphones company who can do the necessary tests on your iphone. If it is found that your iphone is in a perfect working condition, then you will be able to purchase the insurance for iphones cover that you are seeking.

Another thing which the GoTronics insurance for iphones company technicians look for is the presence of any previous repair traces. In the absence of such, your iphone is able to be granted with insurance for iphones just like you would have been given if you had just bought the phone and it was still brand new. This is surely lacking in most insurance for iphones company covers and you would be forced to stay with the fear of taking the whole burden of any ill events which may face your iphone. The GoTronics insurance for iphones company has been in the industry for a real good period of time and knows the frustration which you may face for not being able to purchase insurance for iphones just because you have been using it for a period of time. Fine, your worries are now well taken care of and it is your chance to also get the much valued iphone of yours insurance for iphones cover.

The no age limit insurance for iphones offer covers even iphones which were not bought from our company. If you bought the iphone from eBay or from a friend of yours who was selling it at a fair price that you would not over look, that is not our concern. Just get down to the GoTronics insurance for iphones offices and present your iphone for evaluation and eventual guarantying of insurance for iphones. If you can not get to our offices but have internet connection, it is even much better and convenient as all we need you to do is to fill up our online insurance for iphones forms and submit them. A notification would be sent to you for the commencement of the processing of your insurance for iphones cover. So, no matter the age of your iphone, you can still get it covered.

Source by WebinXs

Good insurance can be difficult to find and this is especially true if you are looking for full coverage dental insurance. There are full coverage plans that are available though if you know where to look. There is a lot to consider when shopping for this type of dental insurance though. Take the time to become familiar with insurance and how it works before buying a policy. This will help you to save money.

Everyone has different needs when it comes to dental care and when it comes to finances. These are things to consider before buying any type of insurance. There is no one policy that is a good fit for everyone. A good policy for one person may be all wrong for another. This is why it is important to understand your needs before buying insurance.

There are many things to consider when shopping for the right dental coverage. Some policies have waiting periods for specific services that must be met before those services will be covered. Normally more expensive policies will have a longer waiting period than less expensive services. Some policies have short waiting periods or no waiting periods at all.

There are normally set percentages that dental insurance will cover for any procedure. If you need a plan that covers one hundred percent it may be a little harder to find. These plans are out there though if you know where to look. In most cases the premiums for these plans will be significantly higher than those for plans that cover only a percentage of the dental expenses.

Full coverage plans can be a great option, especially if you need to have a lot of dental work done or if you need expensive procedures. It is important to keep your financial needs and budget in mind though. No plan will be useful to you if you cannot keep up on paying the premiums. Take a look at your monthly budget and figure out what a comfortable amount would be for you for monthly premium payments. This is essential to finding the right policy for you.

One of the best ways to find the right policy is by searching the web. Countless companies offer dental insurance information and some even offer dental insurance quotes. This is a good way to determine which companies have what you are looking for. This may also be a good way to determine what prices are available as well. This will help you to get an idea of what coverage you can afford.

After finding a few plans that seem like they will work for your needs and your budget you may want to call the companies and speak to a representative. The representative can further assist you with finding the right plan and with purchasing the plan you choose. It is a good idea to call a few companies to compare plans before buying as well.

Buying dental insurance is an important step toward good health. There are many different individual plans out there including full coverage dental insurance. Just figure out what your needs are and what your budget is so that you can make the best choice for you. The right policy to fit your needs is out there and now you just have to find it.

Source by Al Smitty

Your insurance policy is a contract between you and the insurance company. Contrary to how it may feel when you are pursuing your claim, the insurance company has a legal duty to honor the contract, and live up to its end of the deal. Your insurance company cannot just pay the claims it feels like paying. When an insurance company denies a legitimate claim it is a breach of contract.

A duty to act in good faith

Insurance companies have a legal duty to act in good faith. This means to act reasonably and treat you, the insured, fairly. They have a duty to honor the contract and pay for legitimate claims. Insurance companies are notorious for looking for a way to deny or underpay claims, putting their own interests before the interests of the insured. This is not acting in good faith.

Examples of bad faith insurance practices

Insurance companies know that an outright denial of a claim is likely to be contested. So, they have come up with sneakier ways of holding on to their money in bad faith. Bad faith practices include:

• Denying a valid claim
• Denying some, but not all, of the benefits you should receive
• Delaying investigation of a claim
• Delaying payment
• Offering less money than your claim is worth
• Unreasonable interpretation of policy language

Understanding you policy before you purchase

Insurance companies often use ambiguous or confusing language in their policies to set themselves up with a way out of paying. Your insurance agent may even lead you to believe that the policy provides coverage which it does not. Make sure that you truly understand your policy before you buy. Have your attorney look it over and explain it to you if needed.

Low offers and your emotions

One of the easiest and dirtiest tricks that insurance companies use is to offer you some money when you need it most. They will offer you far less than you should receive when they think you are most vulnerable and likely to accept the offer and sign away your right to full compensation.

They know they can get to you when you are in your worst state, such as:

• Right after a tragedy while you still do not know if your spouse or child is going to die
• After they have delayed the claim for so long that you are desperate to get bill collectors off your back, get repairs done, or have a place to live

It is tempting to take the offer and get it over with so you can get on with your life. In reality, the amount that they offer will probably not cover all of your losses. Rather than getting on with your life, you could be signing up for life-long expenses that you cannot afford to pay. Typically, when an insurance company offers you money, they know that they should be paying you far more. Always talk to your attorney before accepting an offer or signing anything.

Source by Erich Shrefler

Getting Workers Compensation Insurance Claim is somewhat simple, follow the steps listed below:

– The first priority is to get medical attention immediately.

– Inform your employer [which means either your supervisor or the Human Resources Division].

– Send in your claim to the Worker’s Compensation unit.

In some cases what is seemingly a minor injury can later develop into a serious issue. Therefore it is always advisable that you place the matter on record by informing your employer and also making a submission to the Workers’ Compensation Insurance Claims office.

In case your employer needs you to be seen by the company doctor, as long as it is not an emergency and also a practical course of action to adopt, then by all means do so. However if it is an emergency, go to the closest hospital for immediate attention.

There may be time limits for submitting Workers’ Compensation claims specified by the state in which you are, so you should not delay to do so. Your employer would normally be able to supply you with the necessary forms to make your claim.

In the event that your company cannot, the local state office would be able to. Their telephone numbers can be traced from the white pages in the government section in the local telephone book. The phone company or even the internet would supply you with the necessary contact details. A list of state by state website links, telephone numbers and office addresses is maintained by the U. S. Labor Department.

How to make an Appeal on the Compensation Claim of a Worker

The Board of Compensation for Workers’ is the entity before which you may obtain a hearing in the vent that your employer turns down or disputes the claim you have made for benefits. If you are unsuccessful at this juncture, you are further allowed to go before the Administrative Law Judge in the Workers’ Compensation unit.

In the event that you fail in this exercise as well, there is a possibility you could take it up to the judicial system through a court of law. How complicated you case might be will be the factor that will determine your requirement of a lawyer to represent you.

On the occasion that you might have to face a judge of either the court or the administrative systems, it is advisable that you have retained a lawyer. It is also suggested that you contact a lawyer well versed in Workers Compensation Insurance Claims and also in labour law.

Source by Bill Gatton

By Lance Wallach, CLU, ChFC and Ira Kaplan, Esq., CPA, MBA

Over the past decade, business owners have been overwhelmed by a plethora of arrangements designed to reduce the cost of providing employee benefits and taxes, while simultaneously increasing their own retirement savings. The solutions ranged from traditional pension and profit sharing plans to more advanced strategies.

Some strategies, such as IRS Section 419 and 412(i) plans, used life insurance as vehicles to bring about benefits. Unfortunately, the high life insurance commissions (often 90% of the contribution, or more) fostered an environment that led to the marketing and selling of aggressive and noncompliant plans.

The result has been thousands of audits and an IRS task force seeking out tax shelter promotion.  In addition, the IRS has been auditing most 412(i) defined benefit retirement plans and all 419 welfare benefit plans. These plans are sold by many insurance agents. For unknowing clients, the tax consequences are enormous. For their accountant advisors, the liability may be equally extreme. If an accountant signs a tax return with one of these plans on it, and if the IRS considers the plan an abusive, listed transaction or substantially similar to such a transaction, the accountant may be called a “material advisor”. The fine for a material advisor is $200,000 if the accountant is incorporated or $100,000 if the accountant is not incorporated. There is also an IRS referral to the Office of Professional Responsibility. We have received hundreds of phone calls recently from accountants, who are in this predicament. It is very difficult to help them after the fact. When I speak at national accounting conventions or AICPA events about these topics, most accountants in the audience do not understand what I am talking about, because they have never had this problem and are not aware of the recent IRS enforcement activities. Unfortunately, within a few weeks after I speak at a convention, attendees will call me after reviewing their clients’ tax returns. They often find one of these abusive plans on the return (these plans are very popular). If the plan is discovered before the IRS audit, many steps can be taken. If the IRS discovers the plan on audit, the results can be disastrous, both for your client and for you. The client gets fined $200,000 per year. For more information on this, see www.taxaudit419.com and www.irs.gov.

Recently, there has been an explosion in the marketing of a financial product called captive insurance. These so called “Captives” are typically small insurance companies designed to insure the risks of an individual business under IRS Code Section 831(b). When properly designed, a business can make tax deductible premium payments to a related party insurance company. Depending on circumstances, underwriting profits, if any, can be paid out to the owners as dividends, and profits from liquidation of the company may be taxed as capital gains.

While captives can be a great cost saving tool, they also are expensive to build and manage. Also, captives are allowed to garner tax benefits because they operate as real insurance companies. Advisors and business owners who misuse captives or market them as estate planning tools, asset protection vehicles, tax deferral or to obtain other benefits not related to the true business purpose of an insurance company face grave regulatory and tax consequences.

A recent concern is the integration of small captives with life insurance policies. Small captives, under Section 831(b), have no statutory authority to deduct life premiums. Also, if a small captive uses life insurance as an investment, the cash value of the life policy can be taxable at corporate rates, and then will be taxable again when distributed.  The consequence of this double taxation is to devastate the effectiveness of the life insurance, and it extends serious liability to any accountant who recommends the plan or even signs the tax return of the business that pays premiums to the captive.

The IRS is aware that several large insurance companies are promoting their life insurance policies as investments with small captives. The outcome looks eerily like that of the 419 and 412(i) plans mentioned above.

Remember, if something looks too good to be true, it usually is. There are safe and conservative ways to use captive insurance structures to lower costs and obtain benefits for businesses. And, some types of captive insurance products do have statutory protection for deducting life insurance premiums (although not 831(b) captives). Learning what works and is safe is the first step an accountant should take in helping his or her clients use these powerful, but highly technical insurance tools.

Source by Lance Wallach

Millions of Americans are unable to obtain affordable health insurance due to pre existing conditions. Why are health insurance companies turning you down during the application process? Why won’t they approve your application? There is one main reason: individual states insurance department’s rating guidelines.

 All 50 States have a department of insurance which set’s their own regulations and rating guidelines for all insurance companies that want to operate in their state. All insurance companies have to submit their rates to be approved. In some states they can change their rates at the time of submission to be approved later and other states require the rate change to be approved before the rate change take effect.

 Either way, if an insurance company were to submit a rating classification for high risk individual health insurance, it would be immediately declined by the state’s department of insurance due to the high premium that would be associated with such policy. The premium would exceed the states allowable threshold.

 Insurance companies would accept individuals with pre existing conditions if the states would allow them. The consumer’s primary concern should not be directed toward the health insurance companies but should be directed toward the state’s insurance department.  Also, if the insurance companies were allowed to set adequate premiums for high risk individuals, the public would clamor about not being able to afford the premium. The consumer is caught in the middle: access to high risk insurance policies but no means to afford them.

 Under the current state guidelines, insurance companies do not want to adapt high risk policies while trying to set the lowest possible premium to remain profitable. That is why health insurance companies do not want you with your conditions. You are too difficult to balance profit against affordability. The companies know how much you are going to cost them in the long run given any condition. They weigh that cost against what they are allowed to charge in acceptable premiums by state insurance departments.

 State mandated high risk pools are a good solution to access affordable health insurance for Americans with pre existing conditions. It allows unhealthy consumers access to quality healthcare without taking all their money but still having access to private health insurance provider networks.

 The answer to healthcare reform does not need to come from Washington. We should look closer to home for some answers to our problem. Talk to your state representative about what your state can do make healthcare more affordable to Citizens in your situation. In the mean time, if you are one of the millions uninsured Americans looking for an alternative to affordable high risk health insurance, discount medial and dental plans are a viable option or your states Medicaid program if your income is low enough to qualify.

Pre Existing Condition Healthcare

Source by none 1

As the owner of a restaurant, it is up to that individual to take responsibilty for the well-being of his or her facility, and to purchase insurance to protect the property and the goods stored within it. In today’s economy, insurance is almost a necessity. if your business goes up in flames, then it is likely that the funds won’t be there for the repairs and restocking of the food that was contained within the property. Fish and chip shop insurance is even more necessary than for other food joints, because there are several more deep fat fryer and heating elements.

In today’s rough economy, many people are looking to food for comfort, and what better comfort food than the deep fried british staple fish and chips. With an increase in customers, fish and chip shops are producing more heat and electricity than ever before, a huge fire risk, and also are having to stock for food to meet the demand, but what does this mean for the uninsured owner? It means that if no insurance is present at the time of a disaster, then not only will you lose money with the destruction on the property, but also with the loss of the food stores, and any food in transit, because it will not have a place to be stored.

Luckily, many professional associations within the food industry have recognized this rising risk, and have begun to offer personalized business insurance plans for large, small, and cart dealers alike. To name a major food insurance company that has specialized fish and chip shop insurance, The Nationwode Caterers Association offers a great price for all fish and chip shops, with smaller shops having to pay as little as a hundred euros.

Another advantage, and small expense, of purchasing fish and chip shop insurance, is that the owner must have the ductwork and extraction canopies regularly cleaned, to prevent build up and thus lowering the risk of fire or mechanical failure. It has been shown that if the owner pays for regular maintenance, rather than waiting until something breaks, or even worse, a fire occurs, he or she will save more money.

With fish and chip shops on the rise again, putting more money in the restaurants revenue, it makes a lot of sense to purchase this new specialized insurance. What the insurance saves you is invaluable, for very little you can potentially save yourself from bankruptcy, and who doesn’t want peace of mind. Even if you don’t think you need it because you believe it can’t happen to you, then it would be worth it for the cleaning of the facilities machines, which is done by an independent contractor.

Some might think that specialized insurance for a local fish and chip shop is extreme, but one can never be too safe, especially when protecting one’s livelyhood. If that wasn’t incentive enough, the low prices for the smaller dealers warrants noone with an excuse for not getting insured. The side effects of being uninsured are too great to incur for such an affordable insurance program. As of now, fish and chip shops are on the rise, and with the way to economy is going, they will continue to rise in popularity. There might come a day when these shops are forgotten or become less popular, but that doesn’t mean that you can’t take advantage of this new insurance program while it is available.

Source by Nasreen Haque

Confused by the different prices of Medicare Supplement Insurance plans? Since Congress ordered that Medigap plans be standardized, every Plan A, for instance, provides the same coverage.

While Massachusetts, Minnesota and Wisconsin maintained their own plan versions; Medigap plans were logically offered with increasing levels of coverage. Plan A included the least coverage, and Plan J had the most coverage.

Still, prices for the same plan vary widely. For the most popular Plan F, prices were found to range from $1,022 to $2,504 a year, and such discrepancies remain common. In 2001, the General Accounting Office investigated and found prices ranging from $467 to $1,202 for Plan A, and from $2,059 to $5,658 for Plan J.

Breaking the Medigap Plan Price Code

Don’t despair! Each Medigap plan with the same letter has the same coverage. Decide which plan coverage works for you, and then look for the best price on that plan. According to the director of the Medicare Policy Project for the Kaiser Family Foundation, “The wide fluctuations in premiums have very little to do with the benefits.”

Insurance companies set Medigap prices in different ways that explain how premiums will increase over time. In most states, Medigap plan pricing systems fall into three categories: attained-age, issue-age, or community-rated policies.

Attained-age policies typically offer the lowest premiums to start, but their premiums increase faster. You’ll pay more as you get older.

The premiums for issue-age policies are based on your age when you buy the plan. The price won’t increase just because you are getting older (although premiums will still increase for healthcare inflation), but 80-year-olds will find the plans more expensive to buy than 70-year-olds.

The founder of the Medicare Rights Center warns that, “As a general rule, the attained-age policies start out looking inexpensive but end up costing a whole lot more than the issue-age policies.”

With community-rated policies, people in the same area pay the same price regardless of their age. As with issue-age policies, premiums will not increase just because you’re getting older after your initial purchase. Until around age 68, AARP typically offers a discount of up to 20 percent on such policies.

Getting the Best Medigap Price over Time

Forget the cliché that, “You get what you pay for.” In this case, a lower-price doesn’t equate to less service. Service rarely varies among Medigap insurance companies, which basically work automatically. If Medicare pays 80 percent of your bill, Medigap will pick up the other 20 percent.

Focus on what the Medigap plan will cost you over time, and remember that you’ll have a hard time changing plans when you’re older unless your health remains good. It’s advisable to stick with plans that don’t raise your premiums just because you’re getting older. That means it’s safer to choose community-rated or issue-age type policies even if the premiums start out a little higher.

More Ways to Get the Best Medigap Plan

If you sign up within the first six months after you enroll in Medicare part B, insurers can’t raise your rate or deny coverage based on your health. After that open-enrollment period, you’ll need to be in good health to change plans with two exceptions.

There are a few guaranteed-issue plans that you can get in spite of health problems, such as AARP policies that are not sold through agents. Otherwise, if you’re in New York, all the plans are guaranteed-issue so it’s easier to change plans. In that case, check out available plans annually to maintain the best coverage at the best price.

Be aware that a few companies still require you to submit paperwork yourself. Most companies handle that electronically to save you the trouble, which can be burdensome if you’re in poor health.

While the coverage is identical, company standards do vary. Even though one company may not sell you a plan, another one may offer you a good rate. Independent agents can typically guide you to insurers more likely to accept particular health conditions. Be sure you never drop your existing coverage before the new policy is in effect.

Source by Wiley Long

When you consider buying into a fast food chain, you will need to look into various types of fast food franchise insurance. There are all kinds of coverage you need to protect your business and your employees and it is important to find an insurance company that will provide you with what you need.

Property insurance is a given in fast food franchise insurance. If you have a fire in your kitchen and your restaurant burns to the ground, you obviously need the funds to recoup your losses. Find a company that will offer you insurance for replacement value of your building and fixtures.

Casualty insurance is the type of insurance that kicks in when an accident occurs in your store. Liability insurance protects assets like your bank account against lawsuits when you are sued for occurrences that are deemed to be your responsibility by the courts.

Even if you do your best to make sure everything is done to the highest standards, there may be times when something happens that you do not catch. Consequently, you will usually have to meet a minimum liability requirement for fast food franchise insurance based on your state and other factors. However, it is best to go with a company that will offer you extra liability insurance at a reasonable rate.

You can also be covered for potential losses. One example where this type of fast food franchise insurance would be beneficial would be when you purchase a large amount of supplies, expecting a heavy week. If the customers do not materialize and the food goes to waste, it would amount to a loss. However, if you have adequate loss insurance, you will not feel the pinch.

For a fast food franchise, your insurance should include a comprehensive policy for workmen’s compensation. If you have had a lot of accidents in business in the past, you might have to pay higher premiums. Make sure that you are not paying more and getting less. It is important to read the information and compare policies.

If you are building a new restaurant, you will need builder’s risk insurance. In order to protect yourself from the consequences of misunderstandings during hiring, it is good to have a policy that includes employment practices liability insurance. Your franchise insurance should cover every foreseeable risk your company will face.

To get the best insurance, be sure that your agent is knowledgeable and certified. Brokers give you more options, but may not give you the loyalty factor of an individual agent. Also, it is great if you can find an agent who will explain all the insurances to your satisfaction so that you understand exactly what you need and do not need. If you take all the facts into account, you should be able to find California fast food insurance that will meet your needs.

Source by Art Gib

Buying a life insurance policy is one of the wisest decisions that a person will ever make. Life insurance secures the future of your loved ones and offers great money saving opportunities to meet your long-term financial goals. The process of buying an insurance policy is pretty simple, unless you are suffering from any pre-existing critical illnesses. A lot of insurance companies don’t provide insurance coverage for people who are suffering from critical illnesses. Diabetes is one of the critical illnesses and was earlier not covered under life insurance policies. Simply put, people with pre-existing diabetes of any form were not eligible for any kind of life insurance. This situation has changed now with majority of insurance providers offering attractive life coverage for diabetics.

Buying life insurance for diabetics

Diabetes leads to numerous acute and life-long health complications. Although controllable, it’s associated with myriad health disorders including eye, kidney and heart diseases. Hence diabetes is considered as a major health hazard and a critical illness. There are different types of diabetes including type I or insulin dependent diabetes, type II or non-insulin dependent diabetes and gestational diabetes mellitus.

India is infamously known as the ‘diabetes capital’ with 4% of the total population suffering from one of these types of diabetes. Considering the fatal nature of this disease, any diabetic or people with family history of diabetes would like to cover themselves with a decent life insurance policy. Many Indian insurers have introduced attractive diabetes care insurance policies. These policies are multifunctional and they can also be bought online with minimum complications.

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These policies not only offer a great financial support but they also help the diabetics to manage their health efficiently. People who are suffering with Type II diabetes and those in pre-diabetic life stage with a family history of diabetes can opt for the affordable critical illness rider. This life insurance rider is ideal for maximum coverage of pre-existing diabetes and pre-diabetes. The eligibility criteria and general terms and conditions to get Life insurance policies for diabetics in India are as follows.

• Applicant should be in the age group of 26 to 65 years. • This policy can be renewed up to age 70. • Original copies of medical bills, prescriptions and doctor’s reports are mandatory. Benefits of critical illness rider • Wellness programs are organized by the insurer which offers free checkups each year. • Lump sum payment and waiver of premium on diagnosis of diabetes for pre-diabetics. • Reduction of premium rate if the disease is under control for a longer time span. • Optional life insurance riders for foot, kidney and eye diseases. • Tax benefit under Section 80D of Indian Income Tax Act.

Apart from these benefits, when you buy life insurance policies with diabetes, the insurer also initiates measures for diabetes management. Some insurers offer web assistance, free seminars and timely checkups to the patients so that they stay healthy for a longer period of time.

Source by bret8826

Health care reform is taking a bite out of health insurers’ profit margins. In the individual Florida health insurance market, premiums on health insurance for Florida could look a lot better for consumers in the near future.

In Florida, health insurance companies will be held accountable for the amount of premiums they spend on their members’ health care. If their overhead costs or profits are excessive, insurers will be required to issue refunds to members. The refunds may come in the form of checks or credits for exceeding a new 80-percent rule in 2011, and the refunds are due by August 1, 2012.

Florida health insurance companies are being required to spend at least 80 percent of revenue on actual medical care. That leaves them 20 percent to cover administration, sales commissions to agents and brokers, and advertising and marketing. Of course, this stands to cut into their profits. Will insurance companies return any money to help lower premiums?

Rebates On Health Insurance For Florida Premiums Are Still In Doubt

As the law now stands, refund checks will be due in the summer of 2012, but some officials in Florida are working to forestall refunds for up to three additional years. A spokesman for the Florida Alliance for Retired Americans and Florida Public Interest Research Group isn’t very optimistic. As a retired health official for Florida, Richard Polangin monitors health issues. He’s only expecting a dribble of refunds in the individual market.

With a large number of jobs in Florida focused on the service industry, many people do not have health care through employment-based group policies. Federal officials have projected that as many as nine million U.S. citizens could benefit from $1.4 billion worth of refunds. That’s good new for Florida residents because the officials estimated that about half of those paying for their own health insurance would be entitled to a refund under the new health care reform law.

How Much Have Florida Health Insurance Plans Returned To Members?

Before health care reform, Florida State officials let health insurers keep a much greater percent of their revenue to spend on overhead and/or to keep as profit. One of the largest health insurance providers, United Healthcare, kept 40 percent of the premiums collected for its Golden Rule individual policies last year.

If health care reform had been in place then, the 117,000 Florida resident who bought those policies would have enjoyed around $38 million worth of refunds, according to CITI Investment Research.

Throughout Florida, health insurers kept 37 percent of the revenue they made on individual health insurance policies in 2009, according the state Office of Insurance Regulation. Compare that to the 11 percent that insurers retained on group health insurance for Florida. Because these policies already spend a much higher percentage of revenue on their members, no rebates are expected on these plans.

Health Insurance In Florida Is Fighting The Rebates

Florida Insurance Commissioner Kevin McCarty is opposing rebates for individuals who have to buy their own Florida health insurance. According to McCarty, insurance companies may pull out of Florida and leave residents without any coverage at all. That doesn’t explain how keeping premiums too high for many residents to be able to afford is any better. Consumer advocates have expounded the benefits of ridding Florida of those insurance companies that require excessive profits.

Source by Wiley Long

When you think about it no one wants to be responsible for paying their medical bills, that’s what health insurance is for. With the health insurance I have I am responsible for paying for anything below my high deductible. I am self employed and have an individual health insurance policy. To keep my premium affordable I have a $5000.00 deductible.

What that means is I have to pay everything below my deductible, yes everything. The fact is I can only afford to cover my self if something terrible were to happen and that works for me. The key is to stay away from the doctors office as much as I can. Now, I am in good health so that’s a good start.

So what I do is work hard to stay healthy, here are some the things that may keep me from doctors visits that we should be doing anyway. For starters I eat extremely healthy on a regular basis, diet, diet, diet. keeping your weight down is the key to all your health problems. I make sure to have any regular exams and check ups, get plenty of rest, always maintain a steady vitamin regiment and drink plenty of fluids.

A great part of my plan is negotiated pricing, I get billed with a 40 to 50% discount on the services by just showing the doctors office my insurance card. I am proud to say that I have health insurance. Lets face it, Its what I can afford. Although this plan works for me it was not built for everyone. If you are a big family with many children or with a preexisting condition or maybe a senior citizen. These samples are people that will need to visit the doctors office many times in a year.

Many things are happening these days with health insurance. It may get worse before it gets better. It may even be free one day. What ever the case I know I will be O.K. a least for the next year. Go figure there was a time when I did not have health insurance and I was really worried there for a while. I stumbled on to this policy one day talking over lunch with a client and I haven’t looked back yet.

Source by Ethan Kalvin

Mortgage guarantee insurance or MGI is a precaution worth taking, as it can come in handy when you are unable to pay your mortgage repayments due to ill health or an accident. It saves you the stress of having to pay mortgages when you have mounting expenses associated with treatment or when you have no income for a certain period of time.

People often think that it need not apply to them, that they are safe, but one cannot guarantee that they will always be safe from ill health or other serious circumstances. The correct policy at the best possible price is a safety net incase things go wrong and mortgage lenders accept lesser down payments than usual.

How It Helps Homeowners
Mortgage guarantee insurance agencies usually check the qualifications of the borrower and the value of the collateral provided by the purchased property. When the homeowner defaults on paying the mortgage and the proceeds from the sale of the property are not enough to cover the remaining debt plus the costs, the mortgage guarantee insurance company pays the lender the amount that is short and the costs. The MGI agencies usually offer coverage for a predetermined amount of time, which can be sufficient for the homeowner to recover and get back to work.

Mortgage guarantee insurance usually offers protection to lenders from defaults by homeowners who have less than 20% equity interest in the mortgaged property. This has made it possible for people to own homes with very little initial investments.

People used to prefer government insurance agencies, but today almost three quarters of the market is dominated by the private sector. The study has shown however that there is not much difference in the premium offered by the various companies, so customers are not given much of a choice. Mortgage guarantee insurance has enabled more people to become homeowners and minimized the risk that mortgage lenders used to take.

Homeowners rest easy that mortgage payments need not be a worry in case something terrible happens and lenders, due to the security of insurance, are willing to lend money more readily.

Mortgage guarantee insurance is offered through programs administered by the Federal Housing Administration and the Department of Veterans Affairs as well as many private agencies. Shop around until you get the best deal at the lowest price possible, Use the Internet to get quotes from different agencies and make your choice so that you get the best deal possible. It will not cost much for a person with a regular well paying job to go for the security offered by Mortgage guarantee insurance.
There are firms that offer their services and products to new entrepreneurs making it easier to run and manage the business.

Source by David Gass

Your financial advisor has warned you against buying gold bullion coins. It’s a a terrible investment, you’ve been told. Gold has a real rate of return of practically zero over the past one hundred years. It’s midnight cable tv’s investment “snuggie.”

I’m sure you’ve heard these statements before by popular investment gurus, who either don’t understand or ignore the true value of investing in precious metals.

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Putting aside the fact that gold has appreciated at double-digit rates on average this decade against all of the world’s currencies and tripled in price over the past six years, let’s look at the metal not as an investment vehicle but as an insurance policy against loss of purchasing power.

Think about this for a moment.

You purchase an insurance policy for your home, not as an investment, but as protection against destruction. Gold bullion should be regarded in the same manner – not as an investment per se, but as a form of financial insurance. Insurance against destruction of paper currency.

On August 15th 1971, President Richard Nixon slammed the proverbial gold window shut, ending dollar convertibility into gold. Unchained from the gold standard, the dollar could now just ‘float’ (be printed in unlimited amounts).

Today, after 38 years of being endorsed by utterly nothing except the full trust and credit of our United States government, our beloved dollar is valued at a fraction of what it used to be. If you equate the purchasing exponent of that one dollar bill in 1971 against today, you’d be able to purchase just EIGHTEEN CENTS, after adjusting for inflation.

Why The Dollar Will Lose Even More Value

In response to the financial crisis of the past year, the government turned on its printing presses to warp speed. As a result, the United States monetary base exploded from $800 billion in August of 2008 to $1.7 trillion. To put that into perspective that means there are now more than two dollars for every dollar that existed a year ago. Never in the course of history has the money supply expanded like this.

In their attempt to get the economy going again and stablize the financial system, the government’s out of control spending spree has caused our federal budget deficit to reach a new record level of $1.42 trillion dollars.

If that wasn’t deplorable in itself, our national debt is at present over $11 trillion dollars. And unfunded liabilities like programs such as Medicare and Social Security stand at an astonishing $58 trillion.

In order to pay for all of this, the government is either going to have to cut spending (ain’t going to happen), raise taxes (get ready) or crank up the printing presses some more and try to print their way out of this mess. And that deficit is projected to rise to $9.1 trillion over the next decade.

A Nation just can’t partake in the unchecked money printing in this way without the dollar diving in value! And the further the dollar is debased, the higher inflation will rise. This is the reason it is so, crucial that you possess gold. As an insurance policy to protect the buying power of the savings you worked so hard to put away.

The purchasing power of gold has not only endured and but increased since 1971, Examples of paper money whose value has been distroyed are played out over and over again in our history books. But that’s not the case with gold. Through wars, inflation, hyperinflation, recession and depression, gold has endured.

The value of gold has never been ZERO. Never.That is because gold bullion is the supreme store of value and protection of wealth. It might end up being the most important insurance policy you’ve ever purchased.

Source by Christina Goldman

As a management consultant your clients turn to you for advice and expertise, to improve their performance, or for strategy development. In this capacity you will often bring your own proprietary methodologies or strategies to identify problems or provide recommendations, which can open you to more exposure and certain risks.

There are certain precautions management consultants can take to reduce the risk level. One important precaution is arming yourself with Professional Liability insurance for management consultants.

Business insurance coverage, and particularly Professional Liability insurance, is important for any business owner, but for those that provide consulting services, it is critical. While Business Liability insurance coverage addresses claims of bodily injury or property damage, Professional Liability insurance, also known as Errors and Omissions (E&O) insurance, protects individuals and organizations against claims of professional negligence and errors or omissions in professional work. Specifically, Professional Liability insurance for management consultants will help protect against cases in which a client is dissatisfied with an outcome from a recommended business strategy, if they are disappointed in the perceived value of the service, or if they are financially harmed as a result of a consultant’s mistake.

Professionals who most commonly need E&O insurance include doctors, lawyers and engineers. However, there are a handful of businesses in which E&O coverage is often overlooked, these include consultants, advertising agencies, Web hosting companies, service providers, Web and graphic designers, and other Internet-based service companies. Nearly every organization that provides a service to a client for a fee has E&O exposure, and because professional requirements are broadly in legal terms, Professional Liability insurance shields businesses from the unforeseen.

How Professional Liability insurance works

As the business climate grows more complex, so do the insurance needs of business owners. Business liability insurance coverage and E&O insurance is critical and both protect businesses in two vital areas: settlement expenses and legal defense fees.

Most E&O policies will cover judgments, settlements and defense costs, which, even if the allegations are found invalid, can escalate quickly. The expense of defending a lawsuit alone can lead to bankruptcy or extreme debt for many small business owners.

Policies will typically protect your work back to the earliest date of continuous Professional Liability insurance coverage. For instance, management consultants who have maintained continuous coverage since the year 2000, will be covered on any new claims brought against work performed since 2000. Should a policy be canceled or not renewed, thereby halting continuous coverage, the consultant may not be covered for previous work unless prior acts coverage is integrated into the new policy.

Defending a claim

If a claim is filed, E&O insurance will adequately prepare the individual or company to defend its case. It will pay for a strong legal defense and potentially save a small business or individual from severe debt. While mistakes are bound to happen, there are a few steps management consultants can take to mitigate claims:

* Have a written contract detailing what service will be provided, what is not included and the fees for delivering that service

* Communicate throughout the entire job; give the client realistic expectations upfront and provide regular status updates

* Implement quality control procedures, and regularly conduct audits to ensure the procedures are being adequately executed

While contracts and risk management procedures can help reduce the chances of professional negligence claims, there’s no guarantee a mistake will not occur or that a client will be satisfied. E&O insurance will provide an extra layer of protection against the unexpected, and help you defend yourself against alleged claims of negligence. Defending a claim is costly and time consuming. Regardless of whether a suit is deemed unreasonable, attorney’s fees will still need to be paid. Professional Liability insurance for management consultants will cover the costs of any resulting settlements or judgments brought against you.

Source by James Cochran

Many homeowners are perplexed by the gap between the market value of their home and the replacement cost on their homeowner’s insurance policy.  With the declining market values, these numbers are becoming farther apart and many people are asking themselves why the big discrepancy.  Your homeowner’s insurance is a contract to rebuild your home, not to buy you another one like it down the street. 

While the market values seem to continue to decline, reconstruction costs are still on the rise.  The cost to rebuild your home is not the same as sales price and lowering your policy limits could be a detrimental mistake.  Rebuilding generally costs more than new construction because it involves removal of debris and working around landscaping.  These are items that are not considered in new construction.  The market value of your home is not a good indicator of the amount of insurance you should purchase. 

How is reconstruction cost calculated?  Each insurance company may approach this a little differently.  However, the basic principle is the same.  The cost is calculated from information about your home.  The square footage, number of bathrooms, exterior siding, among other factors, is all taken into account when this is calculated.  It is important to estimate this as accurately as possible because many companies have a coinsurance clause.  This is an insurance policy stipulation that states a property must be insured at a certain percentage (usually 80%) of its value in order to collect the full amount of a claim. 

There are ways to save money on your homeowner’s insurance without lowering your coverage amounts.  Ask your insurance agent about money saving discounts for protective devices such as deadbolts, sprinkler systems, and security systems.  You may also want to consider increasing your deductibles.  Insure multiple policies with one insurance provider.  Many companies offer discounts for having your home and car insurance with them. 

Source by Carla Edwards

Copyright (c) 2010 Mark Manderson

A lot of good advice is circulated on how to get cheap term life insurance, and shoppers are generally pretty good about using independent agency websites to compare quotes online and sometimes even counseling for free with an agent. However, many of these shoppers can get the protection that’s most important to them and save more money by opting for accidental death and dismemberment insurance instead of term life insurance.

Accidental death and dismemberment insurance may not suit every purpose, but it is a cost-effective choice for the most popular purpose of life insurance: to provide financial indemnity in case of an unexpected and untimely death. It is chiefly during this period that Americans have cause to concern themselves with the financial wellbeing of their spouses and children, and during this age range, accidental death is high on the list of probable causes of death.

What’s covered? What’s excluded?

Coverage and exclusions vary from one insurer to the next, but accidental deaths typically include what one normally thinks of as an accident (e.g. such as a harpoon through the eye) and also unforeseen deaths which don’t usually fall under the term “accident.”. What’s not covered is old age, death by illness, and suicide.

From age 20 to age 50, then, accidental death and dismemberment insurance may be just the right life insurance product. When you get older and your risks change, you can always purchase a different kind of coverage.

Can you afford the risk of excluding non-accidental deaths?

No matter what insurance product you buy, you’re going to find yourself holding on to at least some modicum of financial risk. There is always a compromise between risk and expense. If your likelihood of dying from old age, illness, and suicide is extremely low (as it is for most people aged 20 to 50) then chances are that accidental death and dismemberment insurance can completely replace your ordinary term insurance with scarcely an elevation to the risk you still carry.

What’s this about dismemberment?

Accidental death and dismemberment insurance pays out an indemnification, not just if the insured dies, but also if the insured loses the use of a limb, digit, eye, or ear.

As before, just what constitutes a “dismemberment” may vary from company to company, and so may the size of the death benefit. Logically, an accidental death and dismemberment policy will not pay a benefit of its full face amount for an individual who loses a thumb but is otherwise alive and unharmed. (The policy may pay out a full benefit for some non-lethal accidents, as with the loss of two limbs, however.) The insurance contract indicates what it will pay for each of the covered dismemberments.

Source by Mark Manderson

Being in between jobs and unemployed can bring in many financial problems to your doorstep. You might need to depend on someone else to help you with covering your day to day expenses. With all these troubles if there is any medical emergency requiring immediate attention, it just adds to your preexisting problems. For this reason, you should have health insurance to cover you in case of a medical emergency. But, how do you bear the brunt of paying for health insurance when you are unemployed. There are options which you might have no knowledge about.

For unemployed people, there is COBRA, a law that entitles people to be covered under the previous employer’s insurance plans even after leaving the job. This is considered ideal for a person who is in between jobs and does not require any treatment for a long period of time. This can be in place for a year to a person who is qualified to receive this coverage but the amount towards premium may be burdensome to the person who is unemployed. So, if you have the eligibility and are in a position to bear the premium expenses, it is best to use this facility for your family and yourself. To check if you are eligible to get health insurance through COBRA, it is best to find out at the benefits department with your local employer and complete the necessary formalities.

You can even check other options for health insurance. You can find many health insurance experts online who are certified to be trustworthy by the Better Business Bureau Online. These people can provide you with good advice on which is the best health insurance plan you can opt for and get to know the premium charged by the insurance companies and help you get the right coverage to meet your insurance requirements.

Life is with uncertainties and no one can predict any unexpected events that will necessitate emergency medical care. So, it is best to have the safety blanket offered by health insurance plans that will ensure that you remain burden free in terms of any health expenses. But, finding a right health insurance plan on your own is very burdensome and may not be to your benefit. Finding some health insurance expert will ensure that this process will be made easy and you get to choose the right plan for you. Also, these services provided by these experts are free of cost.

If you are currently unemployed, there are high chances that you and your family are not covered under any kind of health insurance plan. This is a high risk situation as any kind of medical expense incurred by you towards providing care for yourself or your family can put you in financial jeopardy. But, fortunately, there are several means for you to place yourself and your family under a suitable health insurance plan that is within your affordability. So, if you are not covered under any health insurance plan, it is best not to leave the possibility of incurring heavy expenses towards medical treatment to luck or fate and tempt the possibility of unbearable financial burden.

Source by Dana B. Smith

Mercury car insurance was established in 1962. Since 1962 ; the Firm has been working along a 3 dimensional plan. This three dimensional plan is represented by three capital letters – SSS or 3S. These letters stand for Service, Security and Savings. The Firm has grown from strength to strength, with a focus towards the future. Mercury has expanded its investor value for the long term. With assets estimated at over $4 bln, Mercury is the third largest commercial car insurance firm in California.

Mercury automobile insurance has been at the forefront in availing inexpensive insurance to the masses. This is made possible due to its discipline in financial control, calibrated insurance delivery and efficient claims administration. The Firm has broken records in supporting low-priced car insurance rates. Mercury wouldn’t be ready to operate smoothly and deliver cheap insurance without its dedicated staff who works constantly twenty-four hours, 7 days every week.

There are 3 reasons why you need to go for Mercury car insurance. If you’re like one of many insurance clients, you’ll take no time in specifying what you need, trustworthiness, affordability, prompt service and consistency. Mercury’s portfolio is abundant with these qualities and wishes. They are always aiming for high waters. One survey gave credits to the Mercury team for offering the cheapest rates in the insurance policy market.

Mercury car insurance comes with packages for youngsters, teenagers, teens, middle-aged people and older retired people. The policy provides room for all sorts of drivers, experienced or merely beginning. Drivers who don’t own cars can get a non owners driver’s insurance. Sorts of insurance packages include mechanical breakdown insurance, commercial auto insurance and personal vehicle insurance.

Mercury vehicle insurance provides personal vehicle insurance for personally owned autos. Commercial automobile insurance is designed for drivers in the business and construction field. Mechanical breakdown auto insurance provides coverage for auto repairs and maintenance. Only automobiles with expired guaranty are paid for. At Mercury, the relationship between the broker and the agent is fostered.

Clients of Mercury automobile insurance know the importance of auto insurance. A vehicle is an integral part of the driver’s life. Without a vehicle, you wouldn’t be in a position to do most of your duties. Fed and state laws impose car insurance on all drivers. It’s not a choice. It is also not an option to take financial responsibility over your auto. Driving an automobile without insurance is a risk. You are facing the danger of losing your driver’s license, being fined a big sum of money and losing your auto forever if it becomes badly damaged in an accident. With insurance cover, you’ve a likelihood of buying a new replica.

The Mercury vehicle insurance scheme has plenty of benefits. Not only are the services inexpensive and affordable, but they’re of high quality and tailored for each kind of customer. There are programs for firms, partnerships and people.

When you become a member of the Mercury insurance plan, you get a representative from the local community. This representative will help you when you have questions. The Mercury vehicle insurance policy is less expensive compared with other competitors.

The Mercury insurance is advanced as it handles services for niche markets. Special handling and underwriting services are offered for these niche markets. Ultimately ; you should have peace of mind in Mercury because they have an A+ rating from A. M. Best Company. A. M. Best is one of the number 1 insurance rating agencies.

Mercury car insurance, helping you save time and tons of money! All that you need to know about Mercury Insurance corp on. car insurance

Source by Digmon Romeaw

If you run a business in the United Kingdom, you are , in most situations, required by law to have some type of business liability insurance. It is generally made of many differing types of insurance that are bundled into one policy, and any of these elements may be needed. Usually a policy will include some or all of the features below :

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Public responsibility insurance will cover you for expenses related to injury to a member of the general public as a result of your actions. It can cover folks visiting your premises, or incidents that occur when you are carrying out work on other races premises. It’ll also cover your associated costs, such as legal fees or the NHS reclaiming the cost of surgery treatment ;

Employers’ guilt insurance will be necessary if your business has any workers, including yourself if it is a limited company and you are the handling director.

Product guilt insurance protects against damages paid if a product you supply, produce or refurbish is responsible for injury to folk or damage to property.

Tax & VAT enquiry insurance reimburses you for the price of an inquiry by money & Customs. At first impression it does not appear to provide a huge benefit, but an investigation could seriously have an affect on your business and its income as you may have to pay your accountant further charges, or maybe legal fees.

This will make sure that you get business responsibility insurance that fits your needs, covering those areas which are relevant but not having you pay for cover which isn’t needed.

An expert intermediary is also more certain to be able to supply a tailored policy than a big organisation that takes a ‘one size fits all’ approach, doubtless leading to a more competitive premium.

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Source by Stefan Mckay