When it comes to auto insurance premiums, we all have some control over how rates can affect us. You have the opportunity to assume more of the risk with higher deductibles, just carrying liability coverage on older cars, getting discounts for not receiving speeding tickets, in general just being an overall good driver.
However, for some avoiding such incidences seem to be difficult so if this applies to you don’t freight, there is still hope for obtaining insurance.

With all the things that can effect your insurance premium getting a DUI has got to be one of the toughest things that can follow you for a long time. We’re talking several years to come. This is because you’re now classified as a “high Risk” driver. That puts you into a whole new category.

So to the question of how long does a DUI affect your auto insurance rate? For approximately 3 years per incident. Unfortunately being classified as a high risk driver you now bare the mandatory requirement that you carry what’s referred to as an SR22 insurance policy for 3 years.

Do you know what an SR22 insurance policy is? Well if you don’t know, it’s a policy reserved for DUI drivers when they get their drivers license back. This is the highest risk policy an auto insurance company can cover on an individual. Be careful to watch for notifications from your current insurance carrier because some major carriers will drop you as a customer after a DUI conviction once placed on your driving record. This is part because some carrier won’t insure “High Risk” policies to drivers with that status.

However, you still need auto insurance coverage right? And you still can but at about 2-3x the regular rate for high risk or DUI insurance coverage. Typically in the auto insurance industry to may need to seek out smaller companies for that kind of insurance. You can still get an affordable rate though; you just may have to do more shopping around to compare rates and services than most.

Unfortunately, when it comes to the regulating these high risk SR22 insurance policies there really are none in place for what insurance carriers can charge for DUI Insurance. So you’re practically at their mercy. Companies still want your business and you can find coverage if you get dropped from your current carrier. Even if you didn’t get dropped, expect your premium to drastically increase. Just take the opportunity to compare the rate.

Find yourself the best deals on high risk auto insurance by comparison shopping from quality agents in your area. You can also ask your carrier for assistance for DUI Laws in your area as well as DUI Lawyers or just research and locate ones on your own. Just get reliable information to protect yourself. That doesn’t cost you anything but time and you never know you just might find a lower rate. Just don’t drink and drive and you can avoid all of this matter?

Source by Laura Buckley

How Workers’ Compensation Works

All California employers must provide workers’ compensation benefits to their employees under California Labor Code Section 3700. There are five basic types of workers’ compensation benefits – medical care, temporary disability benefits, permanent disability benefits, vocational rehabilitation services, and death benefits.

How Is Coverage Structured in a Workers’ Compensation Policy?

Workers’ compensation coverage is offered under Part One of a workers’ compensation insurance policy. In Part One, the insurance company agrees to promptly pay all benefits and compensation due to an injured worker. Employers Liability insurance can provide important coverage in addition to workers’ compensation insurance. Employers Liability is offered under Part Two of a workers’ compensation and Employers Liability Insurance policy. Employers Liability Part Two protects the employer against instances where an employee’s injury or disease is not considered work related.

How Is Workers’ Compensation Insurance Purchased?

Employers must purchase workers’ compensation insurance from either a licensed insurance company or through the State Compensation Insurance Fund (SCIF). SCIF is a state-operated entity that exists in order to transact workers’ compensation on a non-profit basis. SCIF competes with private workers’ compensation insurance companies for business and also operates as the insurer of last resort if private companies are not willing to offer workers’ compensation insurance.

What Happens to an Employer Who Does Not Purchase Workers’ Compensation Insurance?

Employers who fail to purchase workers’ compensation insurance are in violation of the California Labor Code. The Director of the Department of Industrial Relations has the authority to issue a stop order against any company who is discovered to be unlawfully uninsured for workers’ compensation. A stop order closes down business operations until workers’ compensation insurance is secured.

How Are Workers’ Compensation Premiums Calculated?

Classification
Workers’ compensation premium calculation is based upon how employees are classified according to their specific work duties and the rate assigned to each corresponding employee classification. Classifications are developed and assigned by the workers’ compensation Insurance Rating Bureau (WCIRB) in most cases.

Rating
Workers’ compensation insurers assign a specific rate to each occupational classification code. Currently, California workers’ compensation insurers operate under an “open” rating system. This means that individual companies set rates based on their ability to adequately cover losses and expenses in each classification (occupational business class). Open rating requires that all workers’ compensation insurers file their rates and all applicable supplementary rate information with the California Dept. of Insurance. Rates must be adequate to maintain the solvency of an insurance company. The Insurance Commissioner will not approve rates if they are inadequate to cover an insurer’s losses and expenses, unfairly discriminatory, or create a monopoly in the marketplace. The rate itself is expressed in dollars and cents and is multiplied by each $100 of payroll per classification.

Insurance Claims

The California Dept. of Industrial Relations, Division of Workers’ Compensation assists employers and employees with workers’ compensation claims. When disputes arise regarding a workers’ compensation claim, the Information and Assistance Unit attempts to resolve the dispute. If they are unable to resolve the dispute, then a formal application for adjudication can be filed with the Workers’ Compensation Appeals Board. The Workers’ Compensation Appeals Board has exclusive jurisdiction over dispute resolution.

Issues That Complicate the Workers’ Compensation System in California

Despite what appears to be a straightforward and well orchestrated system, there are many issues that complicate the efficient and cost-effective implementation of workers’ compensation in California, among those issues are:
• the cost to employers of insurance premiums;
• type and scope of coverage; determination of injury or illness;
• benefit amounts;
• cost of vocational rehabilitation; fraud on the part of doctors, workers and employers;
. timeliness of benefit payments; uncovered workers; attorneys’ fees.

Source by Haig Artan

Filing property damage claims is a complex process that often results in the property owner being shortchanged. First and foremost, insurance companies are for-profit businesses. They aren’t in the business for fun; they’re in the business to make money. Insurance companies have two ways to make money: collecting premiums and minimizing payouts.

It doesn’t matter if you have a homeowners insurance claim or a commercial property insurance claim, the process is the same. You pay premiums to the insurance company for coverage. If you suffer a covered loss, you file a claim and the insurance company pays you a settlement, less any applicable deductible. However, this settlement may not be enough to fully reimburse you for your losses.

In order to boost your insurance payout, you must not sit back and let the insurance adjuster tell you what they will pay. Instead, you need to take an active role or hire someone to act on your behalf. Remember that the insurance adjuster, no matter how nice he is, serves the insurance company whose goal is to make a profit by minimizing losses – including YOUR losses.

On the other hand, a public insurance adjuster is one that you can hire to represent you. These adjusters document everything and negotiate higher payouts directly with your insurance company. They are licensed and are often former insurance industry employees who know how the insurance claim game is played. They can counter any tactics the insurance company throws your way and aggressively pursue maximum settlement offers. These professionals earn a percentage of the payout, so it’s in their best interest to maximize it.

If you want to boost your property damage payout on your own, find a reputable contractor who will be doing the repairs and ask the contractor to be present during the insurance adjuster’s visit. The contractor will have the expertise to point out all structural and cosmetic damage – damage that the insurance adjuster may have overlooked on his own. In addition, the contractor will ensure that estimates reflect actual rebuilding and material costs. The insurance adjuster relies on books and software for making estimates while a real contractor has working knowledge of real world costs.

One of the most important tasks when boosting an insurance payout takes a bit of work on your part. You must thoroughly document EVERYTHING. Invest in a digital camera with a huge storage card and take hundreds of pictures. For example, if you have water damage, take pictures showing the standing water and water level as well as pictures of every single damaged item, especially those that you must throw out due to safety concerns.

Next, use a notebook or your computer to write down a complete inventory of damaged items along with their original cost and estimated replacement cost. Include everything, even small items. You’d be surprised at how your small losses soon add up to significant amounts. For example, if the contents of your refrigerator must be replaced due to the power being out for several days during a flood, make a thorough inventory of all items, even condiments. At $2 to $4 a bottle for salad dressing, mayonnaise, ketchup, and olives, it doesn’t take long before you have a huge grocery bill just to restock the basics.

Don’t forget to keep receipts for any emergency repairs, temporary lodging, and other related expenses and include them on your claim. When filing the claim, be as thorough as possible and make sure that the claim form is complete and legible. Insurance companies love to delay payouts due to “missing or incomplete” information.

By taking a proactive approach to filing a property damage claim, you will definitely boost your payout.

Dryout® Inc.
1415 Colonial Blvd.
Fort Myers, Fl. 33907
Mr. Mark Decherd
http://www.dryout.net
239-437-7100

Water Damage

Source by Mark Decherd

What is major medical insurance?

Major medical insurance, also known as catastrophic health insurance, is insurance that pays for major emergency medical and hospital expenses. It does pay for routine medical care such as doctor visits, maternity care, or prescription drugs.

What does major medical insurance cover?

Basic major medical insurance plans cover surgical costs, hospital expenses, intensive care fees, diagnostic procedures, MRIs, CAT scans, and X-rays. If you have a pre-existing condition like heart disease, diabetes, emphysema, multiple sclerosis, or AIDS, you probably won’t qualify for major medical insurance.

These plans usually have a maximum benefit amount of between $1 million and $3 million, after which your insurance company will not pay for your medical expenses and your policy becomes void. Deductibles – the amount of money you pay toward claims before your insurance company will pay – are between $500 and $5,000.

Who buys major medical insurance?

Floridians who buy major medical insurance tend to be relatively healthy, take few prescription drugs, and want to save money on their health insurance. Older Floridians who are concerned about not being able to pay huge medical bills caused by cancer, heart attacks, strokes, or other major illnesses also purchase major medical insurance.

Where can I get cheap major medical insurance in Florida?

Though major medical insurance is the cheapest of all the medical insurance plans, you don’t want to pay more than you have to. In order to get the best rate on Florida major medical insurance, visit a health insurance comparison website. There you can get quotes from multiple insurance companies so you can compare them and choose the cheapest one.

At the better comparison sites you can get answers and advice from insurance experts online or by phone, and get money-saving tips in their “Articles” section. (see link below).

Before you purchase a major medical plan be sure you know what you’re getting. Read it over carefully, and if your not sure about something have the insurance company representative explain it to you.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get major medical insurance rate quotes from top-rated companies and see how much you can save.

Source by ryan@thesatellitetvguide.com

The music industry has shown a considerable craze in the present times as many people are moving forward and opting for this area either as a hobby or full-time musician or singer. One can see many stage concerts happening all around the world and there are many people who participate in it. With a large number of audiences present during the concert, one can see numerous famed singers performing in front of them. But with this comes a greater amount of liability and risk factor is also involved. The liability which the event managers and singers have to look forward is towards the audience and the musical instruments with which they are performing.

Provision of insurance packages for concerts

Concert or performing live in front of the huge crowd is the biggest dream of every artist either a singer or a dancer. A big round of applause, fan following and the screams from the crowd is what fills the performer with the enthusiasm. In this event, it becomes necessary for the musician to get its loveable instruments and the event insured with the reliable musical insurance company which can provide general or special liability insurance covers to its clients.

Most of the companies provide concert insurance to its clients so that their program does not get interrupted because of any untoward incident. The insurance company provides kinds of insurance covers to their clients so as to cover the cost of an event if any mishap occurs. They provide the following facilities to the musicians:-

– It covers the cost of breakage if any, as it covers the musical instrument and the cost of its repair.

– Provides coverage to the clients in the event of any natural calamity and if any damage is caused to the concert area. Even the insurance is provided in the event of cancellation of the event due to bad weather.

– Insurance is also provided if the injury is caused to the technician, stage setters or any of the fans during the show.

Policy for studio insurance

If you are a performer who performs in the concert as well possess its own music studio then in this scenario, it becomes mandatory to cover your investment with a music studio insurance policy. It will not only help you to protect your musical instruments from any kind of natural or man-made loss but will also safeguard you against any kind of legal suits.

If you are training some students in your studio on various instruments and due to that if any child gets injured then also it becomes important to have this insurance policy. This policy covers you against the various natural calamities, to protect your assets in case of any mishap or occurrence of any accident in the studio, the cost of repair for an instrument is provided etc. Even the client is provided the option of replacement insurance if you have borrowed or rented an instrument until your personal instrument is getting repaired.

Lastly, it can be seen that with the help of these kinds of insurance policies, a musician gets a security for life.

Source by micheljordan4

What is underwriting? You have heard this term from time to time when dealing with insurance or maybe even when applying for a mortgage. But what is it? In terms of insurance it is simply the name for the process of deciding what risk an insurance company is willing to take on. What is risk, you are wondering? It is the chance of a loss occurring as a result of an unfortunate consequence.

There are many factors that an underwriter weighs when considering an application for insurance. Ultimately, the insurance company will decide on an applicant’s insurability. Each individual case, or application, is put through a process and a final decision on what the insurance company is wiling to do is made. Always keep in mind that if you are working with an insurance agent that person may never guarantee a policy’s issuance or how it will be issued.

The items that an underwriter will use to consider your application are the application forms themselves, a physical exam, information obtained by various consumer reports, an attending physician’s statement, and an inspection report. Different cases require different underwriting requirements, so not all cases require any or all of these items listed here. However, when the case applies, and depending on the amount of insurance applied for, usually higher amounts, the insurance company may want to have an inspection report be done to verify things like, verifying a person’s character and reputation.

The underwriter will eventually be able to match the proposed insured to a risk classification. This is a grouping of people of similar insurability. You may have heard of the common names of these groups such as, Standard, Preferred, Non-Smoker and Smoker, to name a few. Someone who has been deemed a substandard risk may still be able to obtain insurance coverage. They will get it based on being a higher risk. The health implications of someone who is a smoker will allow for the company to apply a higher rate and therefore, charge a higher premium for taking on their risk.

There are different ways that companies figure out the extra amount due for a substandard risk. One example is the insurance company may apply charges based on something called the “health age” of an applicant. But, a more common way of assessing a higher rate, and therefore premium, is the Tabular Rating Method. With this way, tables are created and utilized by the insurance company to apply the proper percentage more of premium that would be due. This can range from approximately 25% higher to maybe 400% higher, which would be indicated by referencing a respective table assigned by the company.

When thinking about getting a life insurance policy in place to protect your family in a time of need, there are many aspects of obtaining insurance that can be educational. With the common practice of using the internet there are very easy ways today to log on to a website and get connected with an insurance agent that can help you continue your learning process.

Source by Christian Seemuller VP

One of the coolest things about Aetna Health Insurance is their website online. Not only does Aetna offer unbelievable health insurance coverage no matter what type of plan you are looking for, but Aetna actually has an online method that you can find very easily on the website that will help you figure out what type of Aetna Health Insurance would best fit your needs.

Once you get to the website there is a section where you can choose two different methods of help for choosing your plan. The first method is through the “life stages” method, through this method you are able to look at different types of life stages and the big events that happen through ones life and you see which big events that you personally can relate to and Aetna Health Insurance will help you choose a plan that best fits. The other option is a method where you choose your plan according to different personal preferences that you may have. Both of the methods can be very helpful when you are trying to find a health insurance plan that best fits your needs, and this is a great service offered by Aetna Health Insurance that isn’t offered by many other companies, which is one of the reason why Aetna is becoming more popular by the day.

Another great option that is available online to people looking for coverage through Aetna Health Insurance is the option to personalize your Aetna homepage. Once you are a member of Aetna Health Insurance you are able to personalize your Aetna homepage to your needs. You have the options to check your claim status, order ID cards if one is lost, change your primary care physician, or even look at your eligibility information. All of these things are available to you online and help tremendously if you have any questions about your plan. If the website does not offer you the answers that you need there is a number on the website that you can call in order to talk to a customer service representative to get your questions answered quickly and efficiently.

The customer service representatives at Aetna understand how important it is to have your questions answered quickly and efficiently and will do everything they can in order to do what they can to keep you happy with their health care. They are so invested in their customers that the number that is offered for customers to call with questions has a representative available 24 hours a day 7 days a week which can be extremely helpful if an emergency occurs during an odd time, and with this you are given instant access to a person, there is no hold button or music while you wait, it is instant access when you need it.

Source by Ronnie Hamilton

Recruitment Agencies have a tough task to do. They have to deal with their clients and also with applicants. Being the middleman is never easy. You have to take care that you meet your client’s requirements and also make sure that the person you have chosen for your client is actually interested in doing the assigned work. You may lose your placement money if the candidate does not complete a pre-agreed tenure with your client. Such financial problems could cause big damage to your business economy in the long run. Thus, if you are running a recruitment agency, we recommend our recruitment agency insurance for you.

Your chief tribulations
There is a threat involved in any kind of employment you choose for yourself.  If your business is about recruiting staff for your clients, it is obvious that there would be more twists and turns than expected! Your clients would be interested in contract based dealings with you.

A major problem could arise if, under any circumstance, a breach in contract is found. Your client is likely to drag you to court. Recruitment agency insurance will be of assistance to you in such scenarios. A breach in contract could occur due to any of the following:

1. Negligence towards your work, unknowingly or knowingly
2. Laxity in performing the post-recruitment tasks
3. No reference checks made on the candidate’s background(if the person hired, becomes a part of any frauds for example, your agency may be put to blame by your client)
4. Giving insufficient or wrong information to the client about the person being hired
5. Dishonesty of any kind
6. Loss of important data/documents handed over to you
7. Unintentional breach of the client’s confidence

You might be thoroughly alert but no one can avoid mistakes. Such mistakes could turn out to be your worst nightmare. Let our recruitment agency insurance come to your rescue when you unwittingly commit some error in business. Our policies provide you great cover at affordable rates.
Our counsel
We recommend you acquire the following insurances when going for recruitment agency insurance:

1. Professional Indemnity Insurance
2. Public Liability Insurance
3. Employer’s Liability Insurance

These are our products tailored to protect your business from all kinds of risks. To know more about any of our policies please call us on.

We care for you. It is our promise to provide you with the best recruitment agency insurancefor your agency in a world full of ever growing claims, which expands the shadow that is cast on your business by the employees and the employers.

Article Resource:-

http://www.agencyinsure.co.uk/article-recruitment-agencies-insurance.html

Know more about Recruitment Agency Insurance:-

Recruitment Agency Insurance |Recruitment Agents Insurance

Source by ammenda

There are a number of reasons why a person may have to get an SR22 insurance policy including too many speeding tickets, driving without insurance, excessive accumulation of points on one’s driver’s license, driving under the influence, and various other reasons.

Sooner or later the people that are required to have an SR22 filing with their local DMV before their license will be reinstated start hearing from friends, family, and doing some research on their own that SR22 insurance is going to be a lot more expensive than their insurance policy was before. The question is how much more expensive?

The average cost of an SR22 insurance policy is going to depend on the reason why your license was suspended or revoke for in the first place. If you are a DUI offender who has to get an SR22 to get your license back, the cost is going to depend on a number of factors including:

• Was this a first, second, third, or more offense?
• Was there an accident?
• Did the accident result in injuries to any other person?

These are just a couple of examples of the items your insurance company is going to look at when quoting you a price on your SR22 insurance for a DUI offense. A standard first offense DUI offender should expect to pay between 3 and 5 times as much per month for their SR22 insurance as they were paying on their regular auto insurance rates. So if you were paying $50 a month for your car insurance before the DUI offense, you should expect to pay between $150 and $250 a month for the next 3-years following the reinstatement of your license following your suspension or revocation period.

If the DMV is requiring you to file an SR22 with them for something like too many speeding tickets. Even though your offense of too many speeding tickets is not as severe as someone who has to file an SR22 because of a DUI offense, the required filing period is still going to be 3-years.  So your relationship with your SR22 insurance is going to be for an extend period of time. Your SR22 insurance rates for something like too many speeding tickets will be lower than the rates for a DUI offense, but they will be at least 1 to 2 times or more than you are currently paying for your car insurance.

There are steps you can take to be sure that you are paying the least amount possible per month for your SR22 insurance. The first thing you need to do is to not assume that your current insurance provider is going to have the lowest rates possible for your SR22. Just because you may have been with this insurance company for years and they have always treated you fairly does not mean that will be the case when it comes to quoting you on an SR22 insurance policy, if they even offer SR22 insurance filings because not every insurance company does.

What you need to do is spend a little time researching your state DMV SR22 insurance filing requirements. Then get at least 3 to 5 quotes from the various insurance providers in your area that offer SR22 insurance filings then all you have to do is choose the policy with the lowest price, it’s that simple.

Source by Gerald Benson

The main benefit of life insurance is to create funds with leverage that can provide for the dependents. Single premium life insurance is a type of life insurance where policy holder makes a single payment to purchase the life cover.

Generally, you save more on single premium life insurance, because insurance companies offer lower rates than regular premium payment modes. And also easy to qualify medically.

Plan to give the better financial future for you and your loved ones with such a kind of life insurance. Here are some guidelines that will help you to make a suitable deal on your single premium life insurance.

• The primary step is to determine the amount of money that you wish to pay as a single premium. Because you pay only single amount at the time of purchasing which is your final investment, there is no additional premium is permitted. You might get an option to pay additional premium during the policy term. Try to find out the policy that allows additional premium, this will be profitable in case want to make a additional investment in future.
• Choose the reputed company, because company status is important for this type of policy.
• There are different versions of single premium life insurance in the market offering a wide range of investment options. Study each one properly, because it will help you to choose the right kind of life insurance.
• Choose such a policy that allows you to withdraw a cash on diagnosed of terminal illness.
• Shop around to get more face value for your single premium. It will also helpful for you to know the rates of multiple insurance policies. To do this task, you can take the help on internet. In a short time, you can take a overview of different insurance policies available in the market. And also you can compare the multiple insurance policies at a time.

Source by Habibulla Antule

As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products. In this article, we will discuss the surrender charge in the universal life policy.

The surrender charge is the difference between the accumulating fund and the cash value accumulated in the insurance policy that the policy holder can access at any time, often called cash surrender value.
Surrender charge schedules are difference between insurers and between the UL plans available from each insurer. Some plans contain a very heavy level of surrender charges that apply for a lengthy period of time of more than 10 years. These charges serve to artificially suppress the cash values of the policy. Other plans have low or no surrender charges at all.
Therefore, if policyholders who may want to access the cash values of the policy early in the contract will prefer to have lower surrender charges in their plan.
Higher surrender charges are not necessarily a negative for all policyholders. Heavy surrender charges are ideal for those policyholders using their UL plan as a means of sheltering funds from tax because:

1. Using low early cash values provides the means for the pricing actuary to inflate future cash values through investment bonuses, thereby enabling much larger cash values in later years.

2. Surrender charges are used to suppress cash values and cash values are usually compared to a test policy during exempt testing. Therefore, the policyholder can deposit larger amounts into the UL plan in the early years and shelter more funds for a longer period of time. For more details, see the Rules and Regulation section later in this course.

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:

http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://life-insurance16.blogspot.com
http://lifeinsurancexiii.blogspot.com

All rights reserved. Any reproducing of this article must have all the links intact.

Source by Kyle J. Norton

If you have been anywhere but under a rock, you know about the recent healthcare reform. All of the talks of the public option, more checks and balances, and premiums are all topics of discussion. Many people on the other hand are worried about the requirements that the federal and state levels are going to enact on the different public health care premiums. One very good thing about the current healthcare reform is the fact that this health care option provides very affordable coverage to those who not otherwise be able to afford it otherwise. With the current healthcare reform getting under way, many people are realizing that they are going to have to make a decision whether they want to keep their private healthcare or opt out and accept the public option. One major advantage about having private healthcare such as Humana Health Insurance is that you can get the superior customer service that is offered at some of the better health care providers. Some quality healthcare providers such as Humana Health Insurance provide themselves on having the most qualified customer service agents in the industry. Having great customer service representatives really allows each and every customer to receive the type of care that they need and deserve. A customer who is able to completely share and tell what they need out of their healthcare plan is a customer who is going to be able to get completely satisfied in their healthcare plan. Someone who is seeking quality customer service in their healthcare plan, whether public or private, are going to need the help of superior customer service representatives.

If you chose to enlist a private healthcare plan, look to Humana Health Insurance for all of your health care needs. There is nothing better than knowing that your health care needs are being fully met while receiving the type of care that you need and deserve. There are so many instances in life when you may need to rely on your healthcare provider to take care of you. Having extremely knowledgeable customer service agents are going to be able to make your Humana Health Insurance plan truly work for you. Too many people are paying for services in their healthcare plan that they never use. This is not only wasting viable resources but it also costing you a lot of money in the long run. Want the most efficient health care plan possible? Then look to Humana Health Insurance to provide you with all things quality health insurance and more. There is no better time than the present to get what you want in your current healthcare plan. Don’t let this healthcare reform confuse you and talk to one of Humana’s health insurance representatives today to find out about everything you want and need to know regarding all things healthcare. Humana Health Insurance makes you their number one priority on a continuous and daily basis. Don’t let your needs get thrown out the widow just because there is change amongst the healthcare industry.

Source by henry turner

Non-owner car insurance is a type of insurance cover that most people do not consider, irrespective of the fact that it is common that most people rent and drive cars that are not theirs. Most of these drivers assume that the normal insurance of the car they are driving will cover them if they get in to an accident.

Today, rental car companies have become more cautious than ever. It is not possible to rent these vehicles without at least having the minimum legal amount of insurance in case of an accident. This cautious approach is an attempt by them to minimize the risk of legal action as a result of accidents.

It is also important to note that non car owner insurance coverage is not for those who borrow vehicles infrequently but it is more targeted to drivers who frequently borrow and use cars that they are not insured to drive or are not covered by the insurance provider of the car.

The primary advantage and most important consideration about non car owner insurance coverage is that it provides insurance to the driver at a relatively low cost when compared with the option of taking normal car insurance. Due to the cheaper costs of the coverage it is therefore used to cover personal injury and very limited 3rd party liability. It protects the rental companies and the driver in case of a lawsuit when sued for damages by injured parties. Using this type of insurance cover means that you can minimize the possibility of getting sued.

Source by William Benke

Uninsured and Underinsured Motorist insurance coverage, also known as “UIM”, is an important optional form of coverage on auto insurance policies.  UIM coverage is to protect you in the event that the driver responsible for an accident is not insured or does not have enough insurance.  Although auto liability insurance is the law in forty-eight states, there are still many drivers on the roads without insurance.  Also, many drivers have only minimum liability insurance polices.  This amount of coverage can be quite inadequate in a serious or multiple vehicle accident. 

If you purchase UIM coverage, your own insurance own company will pay for the damages caused by an uninsured driver up to the amount of the UIM limits.  UIM coverage also pays for drivers that do not have enough insurance to cover all the damages in a serious accident.  For example, if a person with $25,000 in liability coverage were to be involved in an accident with bodily injury damages that exceeded $25,000 per person or $50,000 for all persons in the accident, the UIM coverage would pay damages in excess of the liability coverage limits up to the amount of the UIM limits.   

With UIM coverage, when you need to make a claim, you are pursuing payment from your own insurance company for an accident caused by another party.   This can be of great benefit, as you do not personally have to pursue payment for damages from the responsible driver.  In a UIM claim, your own carrier can pursue reimbursement for the UIM payments they have paid directly from the at fault party. 

UIM coverage is the law in the states of Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin, and the District of Columbia.  Other states require UIM coverage to be waived in writing by the insured.  In the absence of a signed waiver, insurance companies may have to provide UIM coverage in the same amount as the insured’s liability coverage at the time of the accident.

UIM coverage also has other applications.  It can apply in bicyclist or pedestrian vs. auto accident.  If the driver is at fault but does dot have their insurance coverage, the injured pedestrian or bicyclist may be able to make a UIM claim under their own policy or if a minor under their parents’ UIM coverage to receive payment for injury damages resulting from the accident.

Source by Jason

When faced with the penalties that come with getting a DUI or other major traffic violation a lot of people sell their car to save more money.  It could be a year or more before you are eligible to drive again so why have a car payment during that time.  There may be many reasons why you don’t own a car but still need auto insurance.  As a former insurance agent I dealt with many people who all had different needs. 

You may also be in a position where you don’t own a car but need a driver’s license to work.  If you need to get an SR22 filing you don’t need to own a car to get auto insurance.  The policy you need is called a non owner auto policy.  This policy will allow you to drive any vehicle and also enable you to fulfill your state required SR22 filing.  It doesn’t matter if you own a car or not in order to get your license reinstated the state will require you to carry minimum liability limits for a determined duration.

These are some questions you need to ask your insurance agent when trying to get non owner auto insurance:

1. What are the state minimum liability limits and do you recommend higher limits for my situation?
2. Do you offer a non owner auto insurance policy and what is included with that policy?
3. How much does it cost to add the required SR22 filing?
4. What information do you need from me to add the SR22, such as a case number?
5. How long will this traffic violation affect my insurance rates with your company?

Those are just a few questions that you need to ask your insurance agent when shopping for a non owner SR22 policy.  There may be multiple quotes you are receiving and this will help you narrow down which companies offer what you need and at what price. 

Once you buy a car again you just need to notify your insurance company and they will need to change your policy from a non owner to a standard auto policy.  They will be able to continue your SR22 insurance so the state doesn’t see any lapse in coverage.  It is very important to keep your auto insurance policy active for the state required duration.  If you let this policy lapse the state will require you to start coverage again and your required duration will start over again.

To find affordable non owner SR22 insurance shop online to get the best price available.  You can get multiple quotes from the leading insurance companies in just minutes.  Remember you need a non owner auto insurance policy that includes an SR22 filing.

Source by Patrick Mahen

Life insurance and critical illness policies may be canceled or voided if insurers find out people have lied about their state of health, and this could prove to already be a problem for millions of policy holders. Norwich Union has conducted a study which revealed that one in 14 customers did not provide correct information about their health and lifestyle when applying for life insurance policies.

Common factors people lied about were the amount they smoke or drink, their weight and any existing health problems. Smokers are commonly charged three times as much as non-smokers for life insurance, and this is the most common lie told to insurers. In many cases people did not just reduce the number of cigarettes they smoke, but denied smoking all together.

Norwich Union’s study was based on 5,000 of their customers, during which they asked for any omissions or untrue facts people had told on their life insurance policies, to be confessed. The inaccurate information many people had supplied could make their policy void in the event they needed to make a claim.

Steven Weisbart, an economist for the Insurance Information Institute has pointed out that numerous claims to insurers are denied each year; this can be distressing to a grieving family. If the deceased has failed to include vital information in their application for life insurance it could be their families that are left to suffer the consequences.

People who, throughout their life believed that when they died their family would receive a lump sum payment from their insurer could in fact be leaving behind their family financial hell.

Before any life insurance policy is issued, the insurer will review medical records and blood and urine tests will be administered. If these initial tests catch any white lies that have been told the insurer will ‘red-flag’ the applicant, making policies more expensive and companies less willing to offer insurance in the future.

Norwich union conducted another study which revealed a different, and higher, number of people who lie on life insurance applications. This study exposed that 15% of people are not always truthful when applying for cover; this is a big difference to when Norwich union asked customers to confess to any misdemeanors, it seems some of the company’s customers are still not willing to come clean.

As well as confessing to mistruths when applying for cheap life insurance, it was revealed that 52% of men and 43% of women say they regularly lie to employers, friends, family and colleagues about the state of their health.

Byron Udell, founder and CEO of AccuQuote, a web based company that offers free online insurance quotes, said: “There are so many opportunities to get caught. Even if you are skilled enough to fool the blood tests by abstaining for enough days to clear your blood of the nicotine, if the policy gets issued, and you subsequently die within a few years, and they find out you lied, all your family will be entitled to is a refund of the premiums you paid.”

Lying on life insurance policies is a big risk, people who do so are chancing personal and financial disaster if they are caught. Life insurance policies are safety nets for loved ones if the unthinkable should happen, telling a lie could ruin this intention and bring another nasty shock for relatives.

Following its results Norwich Union plans on challenging all of its two million life insurance customers to confess to any omissions or lies included in their policies. Those who have not told the truth will face either sharp premium increases of having their policy canceled.

Source by Jemma Tipping

So you are signing for life insurance through your employer’s sponsored benefit package. You choose the amount of coverage you wish to select for yourself. Further down the life insurance application, there is a section for selecting dependent life insurance. What exactly is this and does it make sense to take this offer? Let’s look a little further at dependent life insurance.

Let’s first talk about insurable interest. Who exactly can you list as a dependent and then take out life insurance on them? It’s roughly the same as health insurance. It typically applies to a spouse, children, and perhaps a domestic partner depending on the company’s rules and guidelines. You can’t purchase life insurance on a brother or parent usually. Insurable interest basically means you have a vested interest or reason to take life insurance out on a given person. Dependents are usually close family members for this reason. Why would you take out life insurance on a family member?

A spouse is probably more obvious than children. The spouse may work and therefore there’s a classic use of term life insurance…the replacement of lost income. The company may contribute towards the cost of the dependent life insurance if not paying 100% of it since life insurance is so inexpensive. What if you’re the sole provider for a family’s income? There’s still a range of reasons to purchase dependent life insurance for a spouse…again depending on the underlying cost. One reason is final expense and this may fit very well with the typically limited amount of dependent life insurance available through a group sponsored plan. Final expense is a term used to address the costs associated directly with the passing of a person. This can include Funeral expenses, travel, food, lost hours or pay, and let’s face…just the transitional period that follows the loss of a loved one. The amount of dependent life insurance is usually smaller than what’s available on the employee. For example, if the company offers $50K to the employee, the dependent coverage may be 1/2 or $25K. This limited amount does not really provide true term life insurance protection for the more traditional uses such as income replacement but may fit well with final expenses.

Dependent life insurance on children is a little different. There’s likely not income to replace with children. In this case, it’s more a final expense usage and it’s probably tougher to justify dependent life insurance on children unless it’s incredibly inexpensive if not free as a benefit from the employer.

There are two considerations when looking at dependent life insurance offered through your employer versus just purchasing your own term life insurance plan. The first is cost and the second is eligibility. Let’s look at the second first as it becomes a litmus test in some ways. Your dependents and particularly, your spouse/domestic partner may have health issues and not be able to qualify for their own private term life insurance. Group life insurance may have the benefit of being guaranteed issued depending on the size of the group, company, etc. This means group offered dependent life insurance might be the ONLY option. Assuming your dependents is in good health and qualify for a stand-alone life insurance plan, it then becomes a question of cost and to some extent, the right fit for your needs. If the company is contributing towards the plan, it might be hard to beat price wise. You can run your own term life insurance quote to compare against the employer’s option. If the dependent coverage will only offer $25K, that’s not going to help much according to the usual needs and uses of life insurance. You can find more information at our term life insurance amounts article.

A final consideration is that the group or employer sponsored life insurance may be contingent or dependent on employment. This is probably the case. If you leave the job or find yourself terminated (both of which are pretty common in the U.S. as people changes jobs often), the coverage may end. This means you are now having to buy individual life insurance at an older age and resultant higher rate. This assumed you can qualify based on health. We would be happy to walk through your options to see how your dependent life insurance fares against a stand-alone life insurance plan.

Source by Dennis Jarvis

Many seniors, or even middle aged people over 50, get ads for a life insurance product called final expense insurance. Since a lot of life insurance products are marketed to younger people, they may not understand why they may need a life insurance policy. However, even though seniors may have retired, they may not have outlived a good use for life insurance.

Plan For A Funeral

Seniors, or their children, may know that funerals can cost $8 – $10 thousand dollars these days! Sometimes it is hard to come up with that much cash to pay for a nice funeral. In addition, some family may need to travel. Others will certainly need to take time off of work. A body may need to be transported. It is never fun to think about a loved one passing away. But still, many people plan for this event.

A final expense life insurance policy can be a simple and affordable way to make sure that the funeral, and other expenses, can get paid for.

Sometimes seniors buy a policy for themselves, and sometimes, children or caretakers purchase the policy. If the seniors buy the policy, they set the beneficiary to the people who will be responsible for making final arrangements.

Settling Debts

If elderly people still owe money, many want to make sure that their children or grandchildren do not have a burden to worry about when they pass away. A final expense plan provides cash, so these debts can be paid off. Again, a senior may purchase a plan so the kids get cash, or the kids may own the policy on the elderly person. That way they make sure they have the money to settle debts and pay off medical bills without any problems.

Transfer Money To The Next Generation

Most of the time, proceeds from a life insurance policy are tax free. If a parent or grandparent would like to make sure that their descendants get some money when the pass away, a seniors life insurance policy can be an easy way to plan for this.

Seniors Life Insurance Is Designed For Easy Issue

You can find simplified or guaranteed issue life insurance policies. That means that most seniors, in reasonable health, can qualify for a final expense plan.

With guaranteed issue policies, nobody is turned down. The drawbacks are that rates will be higher than with simplified issue, and the death benefit may not be immediate. It usually has a waiting period of 2 – 3 years before the full benefit will be paid. If the covered person passes away before that, it usually refunds premiums, sometimes with interest.

Simplified issue plans ask some health questions, but are still written for reasonably healthy older people. The death benefit should be immediate and premiums will be less than guaranteed issue plans. If a senior does not want to answer any health questions, insurers know they are taking on a bigger risk, and so they charge accordingly.

Either way, many older people will benefit from a life insurance policy. They will have the security of knowing that they have planned for their passing.

Anthem blue Cross is one of the largest health insurance companies in California. Anthem as more plans for the individual market than any other carrier in California. With so many California health insurance plans in Anthems portfolio there’s something for everyone.  Whether you have a large or small budget your sure to be able to find something that fits your need with Anthem

One of the top selling plans California health insurance plans from Anthem is the Smart Sense plan. These plans offer a wide range in deductibles. These Deductible options include $500, $1500, $2500, and $5000 dollars for individuals, and $1000, $3000, $5000, and $10,000 for families. After the policy holder meets the plans deductible the co-insurance starts. The co-insurance is where the insured pays only 30% up to another $2500 max out of pocket. The plans also come with three yearly doctor office visits @ $30 co-pay per visit. In addition to the doctor’s visits the plan has a health check screening benefit that cost $25 for a basic screen and $75 for a more advance one. The plan also gives you prescription drug coverage. You can choose generic coverage only or generic and brand name coverage. With all the coverage options provided rates can be very affordable.

The smart sense plan is a perfect option for young adults 18-35 with a small budget or healthy adults in their late 30’s to early 40’s who are looking for a major medical plan that still has some bells and whistle included in the coverage. Dental benefits can also be added to each plan as well.

Source by Adam Sepulveda

IT staffing agencies are familiar with their clients’ requirements for insurance coverage, and know that they have to have the insurance to get the business. But you may wonder if all that coverage is really necessary. The good news is that in almost all cases, the insurance coverage your client requires can be both affordable and beneficial to your business.

Beyond finding a reputable insurance agency, staffing firms need to do their homework to reduce their liability in client dealings. Typically, clients want their IT recruitment agencies – as well as the information technology subcontractors those companies hire on their behalf – to carry some or all of the following four types of coverage:

General liability insurance

General liability insurance for IT staffing agencies covers damage to property or injury to people. Client companies often require all of their vendors – from plumbers  to IT staffing firms – to show proof of general liability insurance. In some cases, the mandate is driven by the client’s risk managers, who seek to reduce the company’s risk of financial loss due to lawsuits.

Any systems integrator you place on a job could accidentally damage hardware, cause a short or put a foot through a drop ceiling while pulling cable. Even a software developer, software engineer or programmer working at home could accidentally spill a drink on a laptop or drop a server in his or her possession.

When a client goes after one of your information technology subcontractors for compensation, you’re likely to be held responsible as well. IT staffing firms with liability insurance from a quality insurance agency are protected from the financial fallout that could result.

Professional liability insurance

Professional liability insurance for IT recruitment agencies is like malpractice insurance for these firms and the information technology service providers they place. Also known as E&O insurance, it protects your IT recruiting agency from liability arising from errors and omissions that you or your information technology subcontractors may make on the job. Clients require it because they know that people make mistakes.

Your client’s greatest risk in hiring you is that your mistakes could spawn a lawsuit or financial loss. For example, if your staffing firm places an information technology subcontractor on a job, and that individual makes a mistake that wipes out hundreds of thousands of dollars worth of client data, your client can claim the error was your fault and expect you to compensate the company. Without liability insurance, IT staffing agencies can expect costs to mount quickly.

Having professional liability insurance for IT staffing agencies just makes sense. Without it, IT staffing firms are liable for legal defense costs if their clients make claims against them and for settlement costs if a court finds them at fault. A misunderstanding may be all it takes to get sued. Once a client alleges negligence and communications break down, your legal expenses begin to grow.

Workers’ compensation insurance

Some states require companies to carry workers’ compensation insurance, while others don’t. If your client’s company is based in a state that requires it, your IT recruiting firm will probably be asked to carry it, even if your own home state does not mandate it.

Why? In some states, your client will be forced to cover you with its own workers’ compensation policy if you or your employees get injured on the job. Also, in some states, your client’s insurance carrier can bill your client for coverage for all subcontractors who don’t provide their own certificate of coverage. Both result in higher premiums for your client.

Workers’ compensation insurance covers medical costs as well as disability and compensation, should you or one of your employees get hurt on the job. If you’re a solo IT professional with your own health staffing insurance, workers’ compensation insurance may be redundant – but you may still need it to get the work.

If your IT recruitment agency does have employees, protecting them with workers’ compensation insurance is a smart thing to do. From carpal tunnel syndrome to a slick break room floor, any number of on-the-job hazards could jeopardize your employees’ health or take them away from their jobs. Workers’ compensation coverage ensures that your employees are taken care of and saves your company any expenses arising from their ongoing care.

Working with a reputable insurance agency, IT staffing firms can secure the right coverage to meet client and state requirements.

Fidelity bond coverage

Often described as employee dishonesty coverage, this type of insurance compensates your client if you or your IT staffing firm’s employees steal money or property on the job. If your IT staffing firm places an information technology service provider who turns out to be less than honest, you’re just as likely to be held accountable as the person who does the deed.

Clients in the banking and financial services industries typically want programmers, software engineers, software developers and system integrators to carry fidelity bond insurance from a reputable insurance agency because they’re entrusting them with sensitive information, such as customer account numbers, and personal information, such as Social Security numbers.

If your staffing firm has information technology subcontractors handling valuable property or customer information – even though you trust them – keep in mind that anything could happen. Computer equipment could disappear, or a programmer could obtain banking customers’ account numbers and passwords to steal from their accounts. If that happens, fidelity bond insurance for IT staffing firms compensates your client for the missing money or property.

By contacting a quality insurance agency, IT recruitment agencies can learn more about fidelity bond insurance and how much coverage is best.

Source by James Cochran