Monthly Archives: November 2013

Breakdown Insurance

Who knows, you are going out for a long drive, and your car breaks down midway. Experts say that there is more than 10% chance of breaking down each year if your car is more than 3 years old. It is worse in the winter. You can avoid breakdowns by taking precautionary measures like re-servicing your vehicle each month. However, getting your breakdown insurance is a good option to protect you financially if your car vehicle breaks down when it is least expected to.

Types of Breakdown Cover

Roadside Rescue: If your vehicle breaks down outside a specific distance radius from your home, breakdown insurance would pay for the servicing amount except the charge for new parts. The company will provide you with other helps. However, the incident is at your home or within specified radius of your home, and then it won’t be covered.

Home Rescue: It covers the same as the roadside rescue; it extends the coverage to your house. It includes getting your vehicle checked at the local garage.

Recovery Plus: It covers both home and roadside breakdowns. It provides a hire car to either return home or continue your journey. And also it covers the cost of alternative transport to enable your journey or return home to be completed. If the breakdown happens a set of miles away (specified in the policy), accommodation in a local hotel while awaiting completion of repairs will also be provided.

Continental Cover

In UK, European Rescue Breakdown covers roadside breakdown in continental driving. It covers the charge of repairing or bringing your car back to UK in case your car can’t be repaired. However, it doesn’t cover the charge of new parts. So, it is always wise to have this insurance, if you are driving across Europe as you can face fees for roadside assistance charge for every kilometer your car is being towed.

Partners and Family

Some policies also cover spouse or partner; however check it with the insurance company. Some companies look whether your spouse or partner is living with you at the same address. Family cover includes you, a partner and usually two children under 21 living at the same address as you. Check whether your policy covers all the persons traveling in the car.

You need to wait nearly 25 minutes to an hour for a roadside assistance. Some policies fix the number of calls to five or six each year. You may get more if you have a joint cover or family cover. If you exceed the limit you must pay for the assistance. Policies do not cover the cost of new parts. Some policies do not cover trailers and caravans. Animals are usually not covered.

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Boomers Need to Address Long-Term Care Needs

A new study by the American Council of Life Insurers (ACLI) shows that baby boomers need to pay attention to the very real possibility they may need long-term care. The reason: escalating long-term care costs.

“Long-Term Care Insurance or Medicaid: Who Will Pay for Baby Boomers’ Long-Term Care?” sounds the alarm on a potential national long-term care crisis. More important, it is a call to action for individuals to include long-term care in their retirement planning, said ACLI President & CEO Frank Keating.

The study shows that a one-year stay in a nursing home averages nearly $70,000 for a private room or more than $61,000 for a semi-private room. By 2030, the same stay in a semi-private room will cost an estimated $190,000, more than tripling over the next 25 years. Most Americans cannot save enough to cover these high costs on their own.

“Americans are living longer than ever before. That is good news, but it has some risks. One of those risks is that many future retirees will be facing astronomical long-term care costs,” Keating said.

The issue is of particular interest to women because they tend to outlive men. A 65-year-old woman has a 50 percent chance of needing nursing home care in her lifetime-a cost that could potentially wipe out her retirement savings.

What can be done? Life insurers recommend long-term care insurance.

Long-term care insurance is a vital component of a sound financial plan for retirement. It helps people maintain independence in retirement if they require long-term care services. Long-term care policyholders don’t have to rely on government programs or their family to pay for care. Moreover, the product has evolved over the years. It now offers a wide range of services in a variety of settings. Some policies may include reimbursement for respite care, medical equipment, care coordination services and even home modification.

“Long-term care insurance provides retirement security to millions of Americans. But more need the protection it offers. With long-term care insurance as part of a retirement plan, Americans are better equipped to protect their life-long savings and maintain their standard of living,” Keating said.

Boat Insurance – which one for you?

You might not have realised it, but boat insurance is the oldest kind of insurance there is. People have been insuring their boats since the 17th century, and over time a number of standards have arisen. The chances are, though, that you’re probably much more familiar with car insurance so the good news is that car insurance and boat insurance are actually very similar.

Basically, there are three situations you can be insured against: your boat (or its cargo) being damaged, your boat sinking, and your boat hitting another. Although few countries make it a requirement that your boat must be insured (considering how many boats sail in international waters), you would be very wise to at least buy the third party insurance, in case you hit a boat that is very much more valuable than your own. You will probably find it quite unnecessary to insure your boat against total loss unless it is very valuable it is mainly practical for large ships, and especially for ones carrying valuable cargo.

As with car insurance, policies come with an excess to discourage small claims for boat insurance, this is usually quite a large sum of money, as the intention of the insurance is to cover you against substantial losses instead of just scratches and dents.

There are also a few kinds of insurance you can buy that are unique to boating, although it is unlikely that you will ever find yourself in need of them. If you get Increased Value insurance, your policy will pay out at your boat’s market value if it is more than the amount you insured it for only useful if you expect your boat to go up in value. Finally, if you’re thinking of sailing into a warzone, you might want to get war risk insurance. Of course, you might also want to get your head checked out, if you know what I mean.

Blue Cross Blue Shield Health Insurance

Health insurance companies are very competitive, all offering various insurance products to companies as well as private individuals. Purchasing health insurance can be very confusing, even if the choices are somewhat limited, like with plans offered to employees by their employers. Individual and family deductibles, co-pays, in network versus out of network providers, prescription benefits, covered and non covered charges, maximum out of pocket, and maximum lifetime benefits are all different depending on the type of policy, which can all be very confusing. Many health insurance companies like Blue Cross Blue Shield Health Insurance, have websites available to visitors, members, brokers, providers, and employers to answer any questions, get quotes, compare various policies, and apply online.

A number of sites feature policies from numerous health insurance providers, such as http://www.ehealthinsurance.com, http://www.medhealthinsurance.com, and http://www.usinsuranceonline.com, where those interested can get free quotes from Blue Cross Blue Shield Health Insurance and other top companies. To review policies easier, some health insurance sites feature side by side comparisons, free quotes, and online enrollment to save applicants time by providing them most everything they need to know about a specific policy. For information specific to Blue Cross Blue Shield Health Insurance, go to http://www.bcbs.com, the online resource for health insurance operated by independent agents in the United States. Other sites worth a mention are http://www.anthem.com, for Anthem Blue Cross Blue Shield Health Insurance plans, and http://www.bluecross.quotefinancial.com, where visitors can connect directly with Blue Cross representatives across the country.

We all know how important it is to have health insurance coverage for ourselves and our families. It takes just one catastrophic health event to wipe out a family financially for many years. No one every plans on anything like this every happening, but it’s just a fact, accidents happen, they can’t be predicted or prevented in most cases. This is why it is so important to get the health insurance you need. Check out the products offered by Blue Cross Blue Shield Health Insurance, which offers a variety of plans for every budget. Whether it is a primary policy for yourself, or for your employees, you’re sure to find quality and professionalism throughout your search. Medicare supplemental policies are also available and all plans can be purchased directly from Blue Cross Blue Shield. Start your search now by visiting any of the above mentioned websites that can get you on track to living without worry, knowing that you and your family are protected.

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Big Changes On The Horizon For Critical Illness Insurance.

In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market.

It’s not that critical illness insurance is a bad idea. After all it pays out a lump sum if the policyholder is diagnosed with one of the many critical illnesses listed on the policy and the policyholder survives at least 28 days from diagnosis. (Note: some policies have a 14 day survival period.) Most policies have a huge list of insured illnesses although about 60% of claims are for cancer not surprising, as 1 in every 3 people will develop cancer sometime in their lifetime. In fact when you look at the concept of Critical illness insurance you can easily make a case that everyone living on earned income should have a policy. It’s designed to give you a pot of capital to live on if serious illness prevents you from working normally.

Premiums have increased dramatically because medical advances have meant that many illnesses that proved fatal in the past are becoming quicker to detect and easier to treat. Hence insurance companies have found themselves paying out earlier on claims and on illnesses which are not necessarily debilitating – which was the original purpose of critical illness insurance.

To give you a better idea of the sort of illnesses we’re talking about, here’s a typical list:

Alzheimer’s Disease

Aorta Graft surgery

Bacterial Meningitis

Blindness

Brain Tumour

Cancer

CJD

Coma

Coronary Artery by-pass surgery

Coronary Artery Angioplasty

Deafness

Heart attack

Heart Valve replacement/repair

HIV/AIDS resulting from blood transfusion

Inability to perform your duties of occupation

Kidney failure

Leukaemia

Loss of limbs

Loss of speech

Major organ transplant

Motor Neuron diseases

Multiple Sclerosis

Occupational HIV/AIDS

Paralysis

Paraplegia

Parkinson’s disease

Stroke

Third Degree burns

Any illness that results in Total and Permanent disability

Insurance companies have at last realised that they’re not going to get anywhere marketing policies that people can’t or won’t afford, and where the companies can’t afford to lower prices. So it now looks as if insurers such as Scottish Widows are considering a break through splitting the cover so that the prospective policyholder can specify which illnesses he or she wants to insure against. It’s a form of “menu pricing” cover for each illness would have a price and you simply select which illnesses you want to insure against.

Whether such insurance proves popular will very much depend on the cost. For example, if cancer accounts for around 60% of current claims, you’d expect the premium for covering cancer alone to be about 40% cheaper than a full strength critical illness policy. We’ll have to wait and see.

If you’re interested to find out how much a standard critical illness policy would cost you, you’ll find it cheapest on the Internet. The best sites to look out for are the independent discounting brokers who deal with all the big insurance providers. These brokers can search the whole market for you, come up with the cheapest insurer, and discount their price. Try to use a broker who’ll also give you personal advice on the phone as some policies do vary in the scope of their cover.

Beware Of The High Street Lender When It Comes To Buying Unemployment Insurance

Unemployment insurance can be a great asset to have in a world where nothing is certain. While you might right now be financially comfortable now, if you have taken on a loan or credit cards and were to suddenly find yourself out of work due to sickness, unemployment or an accident for any length of time then you could be left struggling to meet the monthly repayments.

Unemployment insurance is definitely worth considering and, even better, cheap unemployment insurance is worth buying. However, good value insurance can be hard to find and especially if you consider taking the insurance from the high street banks and lenders. In fact, you should beware of the high street lender when it comes to buying unemployment insurance as a high street lender is more likely to give you a quote which is way over the odds in comparison to a standalone provider.

A standalone provider can save you money on your premium but not only this; it is the safest way to ensure that you don’t buy a policy that you cannot possibly claim on. The specialist provider has the expertise when it comes to insurance such as this as very often they specialise in only this type. You don’t buy your food from a garage or your car from a supermarket, you go to those in the know and no one knows more about unemployment insurance than a specialist unemployment insurance provider.

A good quality cheap unemployment insurance policy can pay out for up to a period of 12-24 months after you come out of work for a specified amount of time and it can be a financial lifeline. If you are suffering an illness or are unemployed, then you don’t want the added stress of worrying about when the next loan repayment is due and how you are going to pay it. Shop around for cover and go to a specialist to get the peace of mind you deserve, whilst making great savings.

Better Deals For Life Insurance Policyholders

It was announced in May this year that the industry regulator the Financial Services Authority are asking for better treatment for those who hold life insurance policies in the UK and those who wish to purchase life insurance cover. It seems that some advisers selling life insurance policies are giving consumers very poor advice regarding the product, both before the sale has taken place and after.

In an insurance sector briefing issued by the FSA, it said that the after sales care when it comes to life insurance was seen as being very poor with some consumers thought not to have been treated fairly. There are also concerns over the quality of the product that some consumers are getting. Sarah Wilson who is director and sector leader of the Financial Services Authority insists that the findings where significant and that consumers should be able to be make the right choices when it came to purchasing the product.

The report said that consumers currently cannot make the right choice for themselves regarding their profits policy, because they simply don’t have the necessary information by which to do that. Consumers can be given very poor information before and after they have been sold a policy, which then leaves them unsure about what they have paid for and have actually bought.

In response to this and to try and rectify the situation the Financial Services Authority are asking those that sell the insurance to take more time out to make sure the consumer is more aware of the product they are purchasing. If the product isn’t understood then it needs to be clearly explained in jargon the consumer understands.

Sales of the product clearly need to be assessed with staff making sure the consumer understands the performance of the policy and the features of the product.

If the sales techniques and advice given in general about the product isn’t stepped up to ensure the consumer understands the product, then the Financial Services Authority are insisting they will start to hand out fines as a way of dealing with those advisor’s and companies who don’t put the consumers best interests first.

The Independent newspaper has said that the Association of British Insurers have welcomed this with open arms and accepted the Financial Services Authorities recommendation when it comes to consumer satisfaction regarding their life insurance policy.

Best Life Insurance Quote – How To Recognize It

Rates cannot determine all

The bottom line when it comes to insurance is not the rate. Most rates are incredibly competitive when all of the factors are included. Anyway, what good is a low rate if the company that you are paying a low rate to does not pay when you file a claim? This would make those lower rates look really expensive. To make sure that you get paid when a claim is filed here are some quick tips that will help you select the best company along with the best rate.

Check the company history of complaints

Once a quote is received you may have more than one company to choose from. With the database access capabilities of the internet we can now search complaint records for just about any company in the world. This is especially true with insurance companies since there is a scare of fraud on the part of the insured and the insurer. Search for complaints on a national claims database to see if any of your potential companies has an excessive amount.

Keep in mind that all companies have had complaints at one time or another. Make sure that when you are doing these background checks that you take into account the number of policies that the companies have issued. For example if a company has 100 complaints but has issued over a million policies then it will be quite a bit more reputable than a company that has 25 complaints but that has only issued 13,000 policies. A great reference for checking these complaint ratios is your state insurance department.

If the company has a low amount of complaints it is because it is very likely to pay on any filed claims.

We hope these resources can help you get started and feel much more comfortable in analyzing your quote.