Compare Life Insurance Quotes Today

Posted May 9th, 2012 by | Comments Off
Over 50 Life Insurance |

If you are considering taking out an insurance policy, then rest assured that there has never been a better time to take a policy out. The market is fierce in terms of competition with so many companies able to offer you quotes online, so it has never been easier to get quotes and compare life insurance quotes in a matter of minutes. But there is another side to the competitiveness of the market: it has never been cheaper to take out life insurance either!

However to ensure that the life insurance policy that you take out meets your needs exactly, it is vital that you secure a number of quotes and then carefully compare the life insurance quotes that you have received. Not all policies are the same and the differences will be highlighted in the quotes that you receive.

In addition, you need to decide if you want life insurance with critical illness cover, or a fixed term or whole of life policy. When you compare life insurance quotes remember that you need to compare like with like. If you compare a quote for insurance with critical illness cover with one that does not offer this protection, then you are not comparing similar policies and the premiums will not be the same, so get quotes for the exact level of cover that you need.

When you are going through the process of starting to compare life insurance quotes, it can be easy to become distracted by tempting offers such as a high street voucher or other ‘teaser’ to tempt you in. But what you need to bear in mind is the premiums that you will be paying and the level of protection that is on offer; try to ignore any ‘one off’ offers and instead concentrate on the details of the insurance policy itself. That way you will get the best level of cover and peace of mind for you and your family.

Find A Life Insurance Quote To Suit You

Posted April 16th, 2012 by | Comments Off
Life Insurance Over 50 |

Life insurance quotes are readily available via the internet, but when you are looking for a life insurance quote it needs to suit you as opposed to being a policy that isn’t exactly designed for you.

So what is the secret to finding a life insurance quote to suit your own individual needs? Well in some ways it is fairly straightforward, all you need to do is to give some consideration to exactly what your needs are. The most common areas to consider are:
• Do you have a mortgage?
• Do you have children?
• Do you have any debts?
• What savings do you have?
• Do you want to leave money for your funeral?
• How much money do you think you would wish to leave?
• Do you want to have critical illness cover?

Once you have worked out which of these criteria are important to you then you need to think about whether or not you want a fixed term insurance policy or a whole life policy. This will provide the basis for each life insurance quote that you get and will enable you to compare like with like; there is no point comparing whole life quotes with fixed term quotes!

The final stage in finding a life insurance quote to suit you is simply to log onto the internet and then undertake a search to ensure that you receive a number of quotes for you to examine. This sounds complicated, but in fact you can either contact insurance companies directly or you can use a comparison website.

But the key issue to bear in mind is that any insurance quote needs to reflect your needs and what you want the policy to offer in terms of protection and peace of mind!

Find Deals For Life Insurance With Critical Illness Cover

Posted March 7th, 2012 by | Comments Off
Life Insurance Calculator |

The best way to find a really good deal when it comes to life insurance with critical illness cover is simply to do a quick search online or to use a comparison website and you will find that in only a matter of minutes you have a huge range of choice and the ability to compare and contrast each quote, so that you can see which one is the best for you.

But it can be easy to think that all you need is life insurance, as opposed to life insurance with critical illness cover. Yet the reality is that any life insurance policy will only pay out in the event of your death, unless you have taken out critical illness cover as well. So if you do develop a critical illness such as cancer or heart problems, then you could find it hard to continue to work or your salary may be greatly reduced if you are off sick for a long time and that can contribute to stress and anxiety about how you are going to manage to pay the mortgage.

If, on the other hand, you have been wise enough to take out life insurance with critical illness cover, then you will find that you are completely protected if something bad happens. True, none of us like to think that we will ever need to use the protection offered, but life insurance with critical illness cover is basically about buying peace of mind.

The premiums for life insurance with critical illness cover are not extortionate and indeed offer very good value for money, so there is no financially sound reason not to take out the two separate policies as one umbrella insurance policy.

So for the ultimate in peace of mind why not consider taking out life insurance with critical illness cover; it may never be needed, but at least it will ensure that you have the confidence that you will always be able to pay the mortgage or meet whatever life throws at you!

10 Ways To Lower Your Auto Insurance

Posted February 21st, 2011 by | Comments Off
Life insurance advice |

And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won't vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of pounds for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from 200 to 400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you're in an accident, so it isn't advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that's worth less than 2,000, it's probably more cost-effective to drop collision and comprehensive coverage since you'll probably pay more for the coverage than you'll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you'll save on more than your coverage as you'll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

Veteran Universal Life Insurance What Is It And What

Posted February 14th, 2011 by | Comments Off
Life Insurance Over 50 |

Veteran Universal Life Insurance What Is It And What Are The Advantages?

Veteran Universal Life Insurance is insurance that works for veterans to aid them in their post military endeavors. Universal life insurance means that you can vary or even suspend your premium payments depending on the financial pressures you face. Unlike typical life insurance, which pays out only on the demise of the policy holder, or at a nominated age, veteran universal life insurance is an investment scheme as well as life insurance.

This means that you build up a balance which you can borrow against or from to finance various purchases. The flexibility that is built in with payments is unparalleled in the insurance world, and can really help you and your family financially. If the policy is performing well, your beneficiaries may even receive more than the nominated death benefit.

You can also borrow on the balance of the insurance, for things like post retirement income. These withdrawals are deducted from the death benefit which is paid out to the beneficiaries. All these benefits do come at a cost however, a cost that you bear in the form of higher premiums than normal life insurance.

Where the advantage comes in is that you can effectively combine life insurance and investment together, not only that, but the policy can be tailored to suit the needs of a growing family. You can often choose which investments your policy goes towards. You can choose from stocks, bonds, and mutual funds. Not only that, but you can often change which investments your premiums go towards if you so desire.

This means that you can choose the amount of risk you take on, all whilst reaping the rewards that come with investments. Veteran universal life insurance can be an excellent investment and means of safeguarding your family financially, but it does pay to investigate the ins and outs of the particular policy offered to you, and also to learn a little about investing before you take the plunge.

Variable Life Insurance

Posted February 7th, 2011 by | Comments Off
Life insurance advice |

Variable life insurance offers the ultimate in life insurance flexibility. The main principle governing variable life insurance is that you control your life investments instead of the life insurance company managing them on your behalf. This enables you to select the level of risk that you subject your life insurance fund to, paving the way for you to make substantial interest gains on the cash-in value of your life insurance policy.

How does variable life insurance work?

All life insurance products are a form of investment vehicle. Standard no cash-in value life insurance policies like term life insurance invest life insurance premiums in ultra low-risk funds that are often obliged to return a certain level of interest. This provides the life company with confidence in receiving a tangible level of return, which is transferred through to the life insurance policyholder by way of a guaranteed lump sum payment upon death or terminal illness.

Variable life insurance is different from standard types of life insurance as the life company hands the investment reigns over to the policyholder. The life company may allow a percentage of the fund to be invested, or in some cases, all of the fund to be invested by the policyholder. Variable life policies come with the disclaimer that the life insurance company takes no responsibility for the performance of the variable life policyholder's investments. Therefore, if the investments perform poorly the policyholder accepts the consequences that there will be little or no cash surrender value when the insurance is redeemed.

Is variable life insurance for you?

It is very important to think long and hard about variable life insurance before opting to take it on, as there is a high level of risk involved with this type of life policy. Ideally, variable life policies should only be taken out by seasoned investors who know there way around the investment markets. If you've never invested in the stock market before then a variable life policy is probably not for you.

However, if you are confident in your investing abilities this is what you stand to gain from taking out a variable life policy

1.Variable life policy potential:
A variable life policy has the potential to make substantial interest gains that are much higher than on a standard term life insurance policy. Whereas you might pay a small premium per month for a 100,000 pay out upon death with a standard policy, if you invest well with a variable life policy that 100,000 could be worth 500,000 or more when redeemed!

2.Tax advantages:
The cash surrender values of variable life policies are exempt from taxation until the point at which they are redeemed. Also, gains made via variable life policies are not subject to capital gains tax (CGT).

Top 5 Ways To Save Money On Your Life Insurance

Posted January 31st, 2011 by | Comments Off
Cheap Life Insurance |

Top 5 Ways To Save Money On Your Life Insurance Policy

Life insurance is a very important type of insurance policy, and enables us to provide our loved ones with valuable financial security in the event that we die unexpectedly. Life insurance is designed to pay out a lump sum to the named beneficiary in the event that we die within the term of the policy (subject to exclusions and conditions), which gives our loved ones one less thing to worry about at an already stressful and upsetting time.

There are different types of life insurance available, and a choice of levels of cover depending on your needs and circumstances. The cost of life insurance can vary based on factors such as the level of cover taken, your age, your medical history, your gender, and your lifestyle. There are certain factors that can really push up the cost of life insurance, and making some changes can help you to keep costs down considerably. There are a number of steps that you can take to try and keep life insurance premiums down:

1.Give up smoking. If you are a smoker you will be classed as a high risk customer to a life insurance policy, as the chances of contracting a life threatening disease, such as cancer, are vastly increased. By gibing up smoking for at least twelve consecutive months you could enjoy a healthier lifestyle, save a fortune on the cost of cigarettes, increase your life expectancy, and reduce your life insurance premiums.

2.Improve your diet and exercise. Anyone that is seriously overweight will also be classed as an increased risk to life insurance companies, as this is a condition that can bring with it a number of serious and potentially life threatening problems, such as increased risk of heart attacks. By making improvements to your diet and stepping up the exercise you could start enjoying a better lifestyle and you could reduce the cost of your life insurance premiums.

3.Turning veggie could help! Although vegetarianism is not something that all life insurance companies take into account when setting your premiums, there is now life insurance available that offers reduced rates to those that are vegetarian or that eat only fish.

4.Make sure you compare a number of policies. Cutting the cost of your insurance cover isnt all about your personal circumstances and lifestyle. You also need to remember that the cost of cover can vary widely from one insurance provider to another, so make sure you take the time to compare a number of policies and see which one offers the best value for money.

5.Choose the most affordable policy. The cost of your premiums will also vary based on the type and level of cover that you take. For instance, term life insurance cover will be cheaper than whole of life insurance cover. Select your policy based on the amount that you can afford to spend on premiums, but do be careful not to underinsure, as you could otherwise end up paying premiums on something that your loved ones will not really benefit from ultimately.

10 key reasons why a person needs life insurance

Posted January 24th, 2011 by | Comments Off
Life insurance advice |

Insurance is designed to protect a person and the family from disasters and financial burdens. There are many kinds of insurance of which, the basic and most important is considered to be life insurance. It provides for the dependants after your death.

Since there are certain financial commitments you need to meet throughout life and do contribute in some way to the family income, you need to provide something even in deathto secure the home, help the family meet expenses for a while, protect dependant parents, or secure the children or spouse.

Financial obligations could include funeral expenses, unsettled medical bills, mortgages, business commitments, meeting the college expenses of the children, and so on.

How much insurance a person needs would vary, depending on lifestyle, financial needs and sources of income, debts, and the number of dependants? An insurance adviser or agent would recommend that you take insurance that amounts to five to ten times your annual income. It is best to sit down with an expert and go through the reasons why you should consider insurance and what kind of insurance planning would benefit you.

As an important part of your financial plan insurance provides peace of mind for any uncertainties in life.

1.Life insurance correctly planned will on premature death provide funds to deal with monies due, mortgages, and living expenses. It offers protection to the family you leave behind and serves as a cash resource.

2.It secures your hard earned estate on death by providing tax free cash which can be utilized to pay estate and death duties and to tide over business and personal expenses.

3.Life insurance can have a savings or pension component that provides for you during retirement.

4.Some policies have riders like coverage of critical illness or term insurance for the children or spouse. There are certain rules regarding eligibility for riders which you will need to determine clearly.

5.Having a valid insurance policy is considered as financial assets which improves your credit rating when you need health insurance or a home loan or business loan.

6.In case of bankruptcy, the cash value as well as death benefits of an insurance policy is exempt from creditors.

7.Life insurance can be planned such that it will cover even your funeral expenses.

8.Term life insurance has double benefits, it protects and you can get your money back during strategic points in your life.

9.Insurance protects your business from financial loss or any liabilities in case a business partner dies.

10.It can contribute towards maintaining a familys life style when one contributing partner suddenly dies.

Insurance is vital to good financial planning and security but you would need to assess your personal risk and long term commitments. Insurance stands a person in good stead throughout life and can be used in case of emergencies during a life time by requesting a withdrawal or loan.

Before Getting An Affordable Term Life Insurance Quote

Posted January 17th, 2011 by | Comments Off
Life Insurance Quotes |

Here are a few basics of what this broad subject has to offer up to any individual who wants to know more about it.

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In closing, it will benefit you to seek out other resources on this topic if you feel that you dont yet have a firm understanding of the subject matter.
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Term Life Insurance vs. Permanent Life Insurance

Posted January 10th, 2011 by | Comments Off
Life Insurance Calculator |

Choosing a life insurance plan is difficult; it takes a lot of time and research in order to ensure that all aspects are thoroughly examined before making a final decision. There are basically two forms of life insurance to choose from: term life insurance and permanent life insurance.

Below you will find valuable information regarding both forms of life insurance as well as other helpful information which will assist you in deciding which form of life insurance is best suited for you and your situation.

The first thing to do is to research and understand the concept of both forms of life insurance. These two forms of insurance have been compared to buying or leasing a car. Term life insurance is much like leasing a car, you can purchase insurance for a specific number of years, but once those years are up, so is your insurance coverage. Permanent life insurance is similar to buying a car. When you buy a car, its yours and you can drive it forever if you like. Permanent life insurance stays with you until you die.

Depending on your situation, each form of insurance can be very beneficial and offer many great opportunities. Below you will find a more in-depth explanation of each form of insurance providing advantages and disadvantages of both.

Term Life Insurance

Benefits
Term life insurance is inexpensive and can cost a considerable amount less than permanent life insurance.
There are no strings attached with this form of insurance and you are free to stop paying whenever you want.
You can begin using term insurance and if you feel like you want more coverage, you can then convert to permanent life insurance if you wish.

Downfalls
Term life insurance only provides coverage. There are no other rewards and there is no cash value.
Yes you are free to stop paying whenever you please, but should you choose to do so you will no longer have any life insurance coverage.
Term prices increase at a rapid pace as you get older and as you get older, your need for this type of insurance will become more and more crucial.

Permanent Life Insurance

Benefits
Permanent life insurance can accumulate into cash value and savings. Any cash value which you receive will be tax deferred.
There is no risk involved in this form of insurance. Your loved ones will receive a death benefit regardless of when you pass away, whereas term life insurance will only pay out if you happen to be covered when you die.
You can borrow the cash value you receive to pay for college, a vehicle, etc. You can do this without receiving a penalty for doing so.

Downfalls
The most noticeable disadvantage to permanent life insurance is the cost. This form of life insurance will cost you a great deal more than term life insurance.
Should you decide to forgo your permanent life insurance coverage, you will be required to pay a large penalty which will be bounded by law.