Monthly Archives: January 2016

How To Find No Medical Exam Life Insurance

When you shop for life insurance online, it is possible to get a no medical exam life insurance policy. This applies most often to term life insurance policies, so the easiest way to find no medical exam life insurance is by searching a website with a large database of insurance companies that provide term life insurance policies. Make sure to include “no medical exam” in your query.

However, before you begin your search you should be aware that not all no medical exam life insurance policies actually apply to all people. Once you find a database to search for life insurance quotes, you’ll have to complete a questionnaire of sorts. You’ll be asked personal information such as your gender, age, weight, and height. You’ll also be asked about your medical history, and often times about the medical history of your family. This “application” will help the life insurance agents determine whether or not you’re eligible for a no medical exam life insurance policy. Frankly put, you pretty much have to be young and in excellent health to qualify for no medical exam life insurance.

Another important factor you should be aware of is the danger of lying on your life insurance application. It’s easy and undoubtedly tempting to fudge the truth a bit when you’re completing the life insurance application online and no one’s looking. However, if the life insurance company discovers the truth, your no medical exam life insurance policy will be canceled. At the same time, if you die due to a health condition not represented on your no medical life insurance application and policy (such as smoking), your beneficiaries could actually be denied death benefits.

So, if you’re young, in relatively good health, and would rather purchase a life insurance policy without the hassled of undergoing a medical exam, go ahead and begin your search. Just make sure you understand the fine print and tell the truth.

How To Find Kids Affordable Health Insurance

Unless we are eligible for an excellent employer-sponsored group health insurance package, health insurance can sometimes be anything but affordable. When this is the case, many of us opt not to purchase health insurance for ourselves. We rationalize not purchasing health insurance by telling ourselves there are mouths to feed, bodies to clothe, and other bills to be paid.

Denying ourselves health insurance is not wise; however, denying our kids health insurance is even worse. Kids’ health needs even more attention than our health. For example, kids need immunizations to help them ward off infections and diseases and grow healthy and strong. Kids need special attention to help them learn to practice good dental care habits and nutritional ways of life. Plus, a bout of the flu, which usually means lots of rest and chicken soup for adults, could be much more serious for kids.

Do, how can we find affordable health insurance for our kids especially if we can not seem to afford it for ourselves?

The best option is to contact our state’s department of insurance. Many states in America provide at least one kind of state-sponsored health care program for individuals who can’t otherwise find affordable health insurance. Even better news is that most states in America provide kid-specific state-sponsored health care programs for kids with parents who can’t otherwise find affordable health insurance for them.

Health care provided by state-sponsored affordable health insurance for kids includes all or any combination of the following: regular check-ups and hospital visits, immunizations, X-rays, lab work, prescription medications, and even dental care.

There may be days when obtaining affordable health insurance for yourself seems impossible, but finding kids affordable health insurance is always possible. Just pick up the phone and call your state’s department of insurance. Or, check their Web sites for more information. Find affordable health insurance for your kids; make sure they grow up safe, healthy, and happy.

How To Find Discount Term Life Insurance

Thanks to insurance companies able to do all or most business online, finding and buying discount term life insurance can be quite convenient.

First, find an online insurance broker, or website with a large database of life insurance companies that provide term life insurance. The best ways to do this is to visit your favorite search engine, query “discount term life insurance,” and choose from among the top few search results. The results are located at the top because they contain the most relevant information to your search they specialize in locating life insurance companies that provide discount term life insurance.

Then, complete the application provided by the website. This application usually contains questions about yourself such as your age, gender, height, and weight as well as questions about your medical history and the medical history of your family. Remember, just because your medical history may not be stellar, you can still get discount term life insurance. Do not lie on your application it only voids your term life insurance policy down the road.

Next, submit your application and wait for the multiple discount term life insurance quotes you’ll receive which should be almost instantly. Don’t be overwhelmed by the number of results or the decision-making process in general. Just compare the companies, policies, and quotes and make note of those that interest you most. Now is also a good time to jot down any questions about any of the discount term life insurance policies that interest you most.

Finally, contact live agents from the life insurance companies in which you’re interested. Sure, your online search for discount term life insurance gave you some helpful information, but the live insurance agent can further explain the policy and answer any questions you may have. Once you’ve decided on which discount term life insurance provides the coverage, price, and terms and conditions you want, your agent will help you complete the transaction.

How to find Cheap Insurance Plans

Insurance is a form of contract whereby periodic payments (also known as insurance premiums) are made to an insurance company, in order to provide an individual or business compensation in the event of property loss or damage.

The main purpose of insurance is to protect yourself or your family against the financial impact of a tragedy. In general, it is contract in which one party agrees to pay for another party’s financial loss resulting from a specified event. Insurance mainly consist of three things – insurer, insured and policy. An entity seeking to transfer risk (an individual, corporation, or association of any type) becomes the ‘insured’ party once risk is assumed by an ‘insurer’, the insuring party, by means of a contract, defined as an insurance ‘policy’.

There are two main ways to buy insurance. The first one is directly through an agent and the second one is to do it yourself. The main advantage of buying insurance from other is that an honest and competent insurer will decide according to the situation and make suggestions. The advantage of going on your own is that less money is needed for it. While buying any type of insurance, a person will save money by paying annually or semi-annually. Sometimes buying several types of insurance from the same company will save money.

There are different types of insurance available in the market. Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. There are main two types of life insurance that are term insurance and permanent insurance.

The medical insurance policy is a non-life insurance policy, which covers the expenses incurred by an individual in case of an injury or hospitalization. Individuals have to pay a minimal premium for buying medical insurance. Its main types are indemnity plan, preferred provider organization and health maintenance organization.

Homeowner insurance policy covers property and contents. There are two kinds of Homeowners Insurance policies and these policies can be divided into two categories named-Peril Insurance and all-risk insurance.

Auto insurance is the insurance against loss due to theft or traffic accidents. It can be purchased for cars, trucks and other vehicles. Its primary use is to provide protection against losses incurred as a result of car. Its main types are general liability, no-fault insurance, uninsured auto coverage and medical payments.

Car insurance is the insurance against loss due to theft or traffic accidents. Its main types are fully comprehensive auto insurance, third party insurance, fire and theft insurance, third party insurance, specialized car insurance.

Term life insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Term life insurance comes in two basic varieties term life policies and cash value policies.

There are numerous insurance providers that designs and markets insurance services for individuals, families, groups and businesses worldwide. Now, there are also online insurance facilities that help a person to select insurance just by clicking. After fulfilling the basic requirements of the insurance company, person is eligible for it.

How to Find Cheap Car Insurance

With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.

For example, did you know that the type of car you drive will influence the cheap car insurance you’re looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?

The deductible is the amount you pay first out of any claim for an accident. The car insurance policy’s cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.

Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don’t own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.

It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.

Whatever your motivation, with a little work you too can find the cheap car insurance you’re looking for.

How to Find Cheap Auto Insurance

When we purchase a car we need some sort of car or auto insurance. Most of us want to buy it as cheap as possible. The quality of the insurance product means a lot though; it is important that the policy has a good coverage and it is also important with a good service from the insurance company, especially if and when an accident occurs. Auto insurance is one of those items where the price can vary a lot based on which insurer you go through. Sometimes your rates can vary as much as 20-30% just because of different rating factors the company may use. By utilizing the power of the Internet you can be a savvy insurance shopper and find cheap auto insurance that fits your needs while providing the customer service and support you need.

When people are shopping for a new or used car they often don’t think about insurance until the last moment. Several consumers fall into the trap of obtaining an instant car loan through the dealership and inadvertently signing up for the auto insurance through the finance company. This can be one of the worst mistakes you can make. Often finance companies that roll insurance into the finance agreement will charge premium prices that have interest charges added in on top of the already high rates. When obtaining financing make sure you state up front that you will be getting insurance through a company of your choosing and not the finance company.

The best bet to finding the best deal on vehicle coverage is to do your research before you buy the car. By knowing up-front what type of car you are looking for most insurance companies can provide you with a basic quote that is in the ballpark of the rates you can expect to pay. Remember, never drive off the lot with any car until you have the insurance purchased and finalized. Accidents can happen anywhere at any time. The last thing you want to happen is to be in an accident without insurance.

How To Find Cheap, Affordable Health Insurance

There are many options available for health insurance plans. You can become a part of an affordable employer-sponsored health insurance plan, if your employer offers health care benefits to his or her employees. You can purchase an individual health insurance policy. If you qualify, and have no other means of obtaining affordable health insurance, you can even take advantage of any state-sponsored health care plans your state offers.

There is also another way to obtain cheap, affordable health insurance. You can purchase a group health insurance policy without the help of your employer.

You may be wondering how you can purchase a group health insurance plan if you are not actually a group. There are actually several options available to you. Take the following three for examples:

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are group health insurance plans that allow you to see certain networks of doctors and other health care professionals for a cheap, affordable group health insurance rate. Many employer-sponsored group health insurance programs use HMOs or PPOs; however, you can sometimes buy into one yourself.

Group Managed Care

Group Managed Care is a long term health insurance plan offered by an organization, such as a club for alumnae of the university from which you graduated, or a club for individuals of similar interests or occupations. For example, if you are a freelance web designer, you may find an association or club created for other self-employed web designers that offers cheap, affordable health insurance in the form of Group Managed Care to its members.

Association Group

Association Groups are similar to both employer-sponsored group health insurance plans and Group Managed Care in that you are offered cheap, affordable group health insurance through a particular entity. Common examples of an Association Group health insurance plan are credit card companies that offer group health insurance at cheap, affordable rates to their credit card holders.

How To Find Affordable Long Term Care Insurance In Washington

The Statewide Health Insurance Benefits Advisors in Washington State can help anyone considering purchasing a long term care insurance policy. These advisors are trained to help individuals understand what is covered and what isn’t covered in a typical plan. For those who want to find the most affordable long term care insurance possible, they really do need to give some careful thought to what coverage they’ll expect to need.

Each benefit generally adds cost to the insurance premium so think about what you will need on a daily basis:

Some plans only offer coverage for in-home visits. These types of plans can actually be the most affordable. This is mainly because the individual is still paying for all their housing costs themselves. Some services that this type of long term care insurance policy may cover include help with bathing, dressing and grocery shopping.

Nursing home plans tend to cost more. For someone who is in need of regular medical care they may feel it’s necessary to live in a nursing home setting. If the person is still mobile, they may want to consider seeking out long term care insurance that covers living with a group home or an assisted care facility. These arrangements cost less.

If you can pay your own prescription and doctor visit costs your premiums will likely be less expensive. Having these benefits removed from a policy can substantially affect the cost.

No one who is maturing and facing health issues wants to worry about who will take care of them. Having a long term care insurance policy in place before the issue becomes a reality can make the transition from independent living to assisted living much easier. If an elderly person is unsure about what type of coverage is best suited for them, asking for the assistance of trusted family member is a wonderful idea. They can help provide some insight into what they feel is the best long term care insurance policy.

How To Find Affordable Long Term Care Insurance In Tennessee

Shop around. Obviously the best way to find affordable long term care insurance in Tennessee is to shop around. As you’re shopping for insurance companies and policies, you’re kind of feeling your way around in the dark at first. However, once you get a clearer idea of how much you can pay and what kind of care you want, you should cut your comparison shopping down to only companies that offer similar premiums, similar coverage, and have high financial ratings.

Don’t get a Tennessee long term care insurance quote to cover all costs. Confused yet? Yes, the point of having a long term care insurance policy is to help pay for the medical and other health-related bills you acquire during long periods of care. However, if you purchase long term care coverage that will take care of most of the cost, instead of all of the cost, you can get a cheaper Tennessee long term care insurance rate. If nursing homes in your area charge $120 or $150 a day, purchase enough long term care coverage to take care of $100 or $130 a day. Two important factors to remember: Only do this if you think you or a family member will be financially able to pick up the slack, and always ask your insurance agent about getting an additional inflation protection provision.

When it comes to your Tennessee long term care insurance rates, stick to a percentage of your monthly income. The Model Regulation for Long Term Care Insurance, by the National Association of Insurance Commissioners, recommends getting Tennessee long term care insurance quotes that reflect seven percent of your income or less. To further find affordable long term care insurance in Tennessee, don’t use your current income; use your estimated retirement income. After all, you’ll be paying the majority of your long term care insurance premiums with the income you generate during retirement.

How To Find Affordable Long Term Care Insurance In Oregon

Long term care can take on many forms, anything from the health care worker who comes to a client’s home once a week and helps out with cleaning and laundry all the way to round-the-clock care in a nursing home.

All of us hope we will never need long term care, but the truth of the matter is more and more of us especially older citizens do need full or part-time help with some or all of our daily living activities.

Through the state’s Medicaid program the Oregon Department of Human Services determines which seniors are in need of assistance with Activities of Daily Living (ADL) and provides assistance based on a scale of 15 needs categories.

However, qualifying for state assistance is not always possible and the choice of care facilities and types of care available through Medicaid are severely limited and may not be right for you even if you do qualify for assistance.

The best choice for a healthy individual is to purchase affordable long term health care insurance from one of Oregon’s private health insurance companies and the earlier in life one buys such care, the lower the monthly premiums are likely to be.

In addition to age, your overall health and your current occupation can also affect the cost of long term care insurance.

There are many so many variables that can come into play when designing a long term care insurance policy that it may pay to consult with an experienced insurance agent during the planning stage. For example, not only does the deductible you choose (also called an Elimination Period) play a large factor in determining your monthly premium, but the length of time the policy will make payments or the total dollar amount that the policy will provide, and the type of care that will be covered (in-home or round-the-clock nursing home care) all will be factors in your monthly premium cost as well as several other factors.

The need for long term health care is not something most of us like to think about, but the truth is, according to government statistics almost one half of all Oregon seniors aged 65 and older will need some form of long term assisted care. Without affordable long term care insurance many people here in Oregon who need long term assistance either will not be able to afford it, or they will be forced into a government program which may not be right for them.

Finding affordable long term insurance is something that every person in Oregon over the age of 40 should make a priority.