Monthly Archives: February 2016

How To Find The Best Rates On Long Term Care Insurance In Connecticut:

Because Connecticut residents are eating healthier and exercising longer and generally living better lives, you don’t think about long-term medical care. However, now is the best time to think about it. It’s easier and cheaper to purchase long term care insurance when you are in good health and not in need of the insurance.

The general connotation of long-term care is care for the elderly. That is not an accurate depiction of long term care. Young and old both require long-term care. One unforeseen accident may change your immediate future and be the cause for your need of a long-term care facility.

If you have sizeable assets, you don’t want to squander them all away paying for such care. That is why it is important to secure the coverage now, when you are healthy.

Searching for the best rate for long-term care insurance in Connecticut should not be difficult. The internet has made it easier. Additionally, the state of Connecticut has teamed up with several insurance companies and is able to offer Connecticut residents with a way to find accurate research information on long term care. The Connecticut Partnership for Long Term Care, assist residents in purchasing affordable long term care insurance without having to deplete their savings accounts.

According to the Connecticut Partnership, the average daily rate for nursing facility care is $299 (this amount will change based on type of room, i.e., private, semi-private, etc), while the average cost of home health care nursing visit is $121 per visit. This does not include any special therapy like physical or occupational therapy. An adult day care facility may cost an average of $72 per day where a live-in companion averages $199 a day.

No matter what type of service you require, your savings may be depleted depending on the length of care. It makes sense to investigate the cost of purchasing long term care insurance while you’re still healthy to benefit from a more favorable rate.

How To Find The Best Rates On Long Term Care Insurance In Arizona

The type of care your loved one needs will help to determine the type of facility you want. Placing someone in a nursing home who is in charge of their faculties and they are able to communicate their wishes and needs to the staff, is different than admitting a patient that for one reason or another is unable to make their needs known.

If your loved one is more vulnerable and unable to communicate, they may be unable to report neglect or abuse. This by no means suggesting that inappropriate behavior is the norm, but you want to be assured that your family member is well taken care of and safe.

Little telltale signs of abuse include and are not limited to unexplained bruises, welts, and sores. Patients with bedsores or are dirty, have an odor, improper clothing for the weather, lice, dehydration, weight loss are signs of neglect. Signs of emotional abuse are derogatory remarks, verbal harassment and threats.

Here are a few things Arizona residents should look for when evaluating a facility:

1.Resident’s hygiene: As you walk through the facility, how do the patients look? Make a note as to whether or not the patients look and smell clean.

2.Staffing: How many staffers do you see? Is there only one nurse caring for 18 patients or is there an adequate staff to patient ratio based on the types of illness/afflictions of the patients.

3.Facility cleanliness and safety: When you walk through the premises, check to see if whether the corridors are clean or dirty. Are there broken windows? How does the furniture look?

4.Trust your instincts. If you’re thinking of putting a loved one in a facility, trust your initial gut reaction. If there is something about the facility that makes you feel uneasy, don’t ignore it. Maybe that facility is not for you.

How To Find The Best Rates On Life Insurance In Oregon

Are you a gambler, or are you the kind of person who prefers more of a sure thing?

The answer to that could determine what kind of life insurance you will buy and how much you will be paying in premiums for it every month.

If you like to gamble you might want to consider buying term life insurance. A term life insurance policy is only good for a specified number of years and then the policy lapses, requiring you to purchase a new policy at the rates then in effect for your age group.

With a whole life policy, on the other hand, you buy a policy at a set monthly premium and you continue paying that premium for the rest of your life and you never have to worry about the policy lapsing unless you fail to make your premium payments.

The gamble comes in due to the fact that term insurance premiums have been dropping in recent years. One reason for this has been the growing number of people buying term policies and the resultant price decrease that naturally occurs with increased marketplace volume.

Some people are gambling that the decrease will continue and that when their term policy comes up for renewal the new premium they will pay will be low enough to make their term policy comparable in cost to a long-term flat-rate whole life policy.

But whichever type of life insurance you settle on, your goal is still to find the best rate on life insurance in Oregon and there are several tips and tricks to help you achieve your goal.

Start by doing your homework and comparison shop on the internet. You will be amazed at the difference in price for basically the same policy from one company to another.

Once you choose a policy consider paying your premium by the year rather than by the month. When paying a year at a time you should get a fairly substantial discount.

If you smoke, stop. If you are overweight, start a diet and exercise program. Non-smokers and health-conscious individuals get a substantial break on their life insurance cost.

If you already have a life insurance policy and have had it for a few years it’s time to take another look at it. You may be surprised at the amount of money you could save either by renegotiating your current policy or by cashing in the old policy and buying a new one.

Also, work hard to keep your credit rating the best it can be. Surprisingly, many companies give a rate-break to policy-holders with an excellent credit history.

As you can see, you don’t have to take the first life insurance policy that’s offered to you there are several things you can do to find the best rates on life insurance in Oregon, and it’s simply up to you to take advantage of them.

How To Find The Best Rates On Life Insurance In Connecticut

Finding the best rate on life insurance in Connecticut isn’t tough thing to do if you have taken your health seriously. Connecticut residents take stock of your life and ask yourself, if you were an insurance company would you insure you? Knowing that insurance companies underwrite life insurance policies based on the potential risk of death, how have you treated yourself. Here are a few pointers to keep in mind when looking for discounted life insurance rates:

1.Don’t smoke: A smoker’s rate may be as much as 3 times higher than their non smoking counterpart. Companies categorize their policyholders into rate categories, standard, preferred and preferred plus. Smokers would be in the standard category and thus not entitled to the discounts afforded to non smokers. Different insurance companies have different underwriting requirements as far as determining someone as a smoker. Some require you to be smoke free for 3 years, and others as few as 1 year. And, by the way, smoking includes cigars and chewing tobacco.

2.Lose weight: One of the top health concerns in the United States is obesity and diabetes. Being overweight will make it a little more difficult for you to get insurance, let alone get a good rate. Life insurance companies use a height weight chart to determine risk. If your weight is too much for your height, you are at a larger risk for illness and weight related death. According to the American Medical Association, they have linked $280,000 deaths in the US to excess weight. The heavier you are in relation to your height, the higher the rate.

3.Optimal Health: Insurance companies prefer to insure risks where the likelihood of payout is minimal. Purchasing a life insurance policy when you are young and in optimal health will earn a lower rate than purchasing it when you are older and in ill health.

4.Shop around: The internet has made shopping for insurance around much easier. Take advantage of it

How To Find The Best Rates On Homeowner’s Insurance In Washington

One piece of information that can help anyone who is renewing or purchasing home insurance in Washington State regards the procedure required by insurance companies when it comes to raising rates. It seems all too common for an individual to secure a great insurance rate only to see it rise the next year. In Washington State, homeowner insurance companies have to justify any rate increase to the Office of the Insurance Commissioner. Although this information is helpful regarding increases, everyone still wants to find the best rate possible.

There are a few tricks and tips that can help anyone who is looking for home insurance. The first is quite straightforward. If you live in a high crime area, consider moving. Home insurance rates are naturally going to be more expensive in areas where crime is rampant. The threat of property damage or burglary directly impacts the rates you’ll be expected to pay.

If you’re building a new home, consider what’s holding it up. Homes made from wood generally cost more to insure. If a brick home catches fire, the damage could be contained, yet when a wood home meets the same fate, all too often, it’s completely lost. It’s a good idea to inquire about this with a home insurance agent before construction begins.

Some home insurance policies charge a premium for additional living expenses. If your home is damaged and you can’t stay there, this coverage would provide for a hotel and some limited expenses. If you have family close by, consider having this coverage removed. You’ll likely notice a reduction in premiums once that’s done.

Finding the best rates for you is really an individual process. You have to weigh what is absolutely necessary in terms of coverage against any add-ons that you are willing to pay for. From there you can shop around until you find a policy that fits your home like a glove.

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How To Find The Best Rates On Homeowner’s Insurance In Tennessee

The best rates on homeowner’s insurance in Tennessee aren’t going to fall into your lap one day unless you’re ridiculously lucky. If you’re like the rest of us, you’re most likely going to have to roll up your sleeves and do a bit of digging to get the Tennessee affordable home insurance rates you want, and one of the best ways to find cheap homeowner insurance in Tennessee is to search for online homeowner insurance quotes.

This method of hunting for homeowner’s insurance rates and quotes is effective for several reasons. First, it’s easy, convenient, and free. Simply visit your favorite online search engine, type in “cheap homeowner insurance in Tennessee” or some other similar phrase that describes your needs, and select an online company dedicated to helping you find free home insurance quotes. Keep your options open, but you’ll most likely have the best luck with those online companies that are rated high and near the top of your results list.

Second, searching for homeowner insurance quotes online is useful to find Tennessee affordable home insurance rates because you’re broadening your selection. If you simply used commercials, advertisements, and word-of-mouth, you’re selection would consist mostly of local home insurance agents. This isn’t necessarily a bad thing, but it’s easier to find the best rates on homeowner’s insurance in Tennessee if you have access to more than just a handful of home coverage policies. Again, you should keep your options open and check out a variety of online companies that offer free homeowner’s insurance quotes, but you’ll get the most results from those companies that have large databases of insurance companies. You can find these online companies closer to the top of your results list.

Third, you can purchase homeowner’s insurance in Tennessee online in addition to shopping for it. Make your selection and follow the directions. You can contact a live representative of the company for assistance and peace-of-mind.

How To Find The Best Rates On Homeowner’s Insurance In Oregon

There is no law in Oregon requiring any homeowner to carry homeowner’s insurance on their property, but if your home has a mortgage on it, your mortgage company will require at least enough homeowner’s insurance to cover the financial institution’s investment if your property were destroyed by fire or other disaster.

Also, for most people their home represents their biggest financial investment and most homeowners want to protect that investment.

Of course, while homeowners want to protect their homes with homeowner’s insurance, they still demand to get the best rates on homeowner’s insurance in Oregon.

Fortunately there are steps you can take to help keep the cost of homeowner’s insurance within reach for most people.

First, if you can set aside some money each year that can be used to pay for some repairs to your home in case of an insurance claim then you might consider raising the deductible on your policy. The higher the deductible the lower your monthly premiums will be.

If possible, consider paying your premiums a year at a time rather than month to month. Virtually all insurance companies offer a premium discount for such prepayments.

Take whatever steps you can to improve your overall credit report or to keep it good. Many people aren’t aware that your credit report has an effect on your homeowner’s insurance premiums.

Install smoke and fire detectors and make sure they are working. Also, buy at least one fire extinguisher (at least one for the kitchen); doing so will also give you a break with most insurance companies.

Keep bushes and grasses cut back away from the house, especially away from windows and doors where burglars can use them as hiding places. Make sure each door has a good, working deadbolt lock and make certain all windows, even upper story windows can be locked.

Review your policy with your insurance agent every two years, or more often if you have made changes to your property or installed a burglar alarm system or anything else that would make your property safer.

Most property owners want to protect their greatest investment, and with a little planning and common sense you can do so while still getting the best rates possible on your homeowner’s insurance.

How To Find The Best Rates On Homeowner’s Insurance In Connecticut

Finding the best insurance rate in Connecticut is as easy as making a few changes to make your home more attractive to the insurance company: First, visit the Connecticut Insurance Department to make sure the company you’re soliciting insurance from is licensed to do business in Connecticut. Secondly, check to make sure the insurance company is financially stable. To determine the financial stability, ask your agent to check the company’s AM Best rating.

You want to get your insurance from a company that is financially stable enough to be around when you need them to pay a claim. Some companies with low ratings may offer better and cheaper rates, but sometimes you get what you pay for.

Now that you’ve found that the company is licensed in Connecticut and has a stable financial rating, there are things you, as a homeowner can do to ensure you get a lower homeowners insurance rate. Here are a few tips:

1.Dog: There are certain breeds of dog that will increase your homeowner’s insurance premiums. Dogs that have a reputation for being over protective or aggressive will cause you to pay more. Your dog may be a very sweet pooch, but in the eyes of the insurance company he’s an increase in risk.

If you’re thinking of getting a dog of a particular breed, check with your insurance carrier. They might influence your dog purchasing decision.

2.Multi Line Discount: If you bundle your coverages, you will see a premium savings. In essence, if you have more than one type of insurance, i.e., automobile insurance and homeowners insurance, and place them with the same insurance company, you become eligible for a multi-line discount.

3.Shop Around: The best thing an insurance purchaser can do is shop around. The internet has made this process easier. Use your favorite search engine and search for Connecticut Insurance companies. Once you’ve submitted your insurance underwriting information to several companies, sit back, receive your premium quotes and compare.

How To Find The Best Rates On Homeowner’s Insurance In Arizona

To find the best rate on homeowners insurance in Arizona residents should perform a self audit before approaching any insurance company. Below are a few things that insurance companies like to see:

1.Alarm System: Insurance companies like to insure homes that are well protected. Installing an alarm system not only will help to keep you and your family safe, it may also be the source of a premium discount. Talk to your insurance company and let them know that you have a functioning alarm system for your home.

2.Smoke/Carbon Monoxide Detector: Proving to your insurance company that you are doing what you can to protect your home and prevent losses bodes well when it comes to premium discounts. Let them know that you’ve got working smoke and/or carbon monoxide detectors.

3.Loss Proof your home: Insurance companies have loss control services. Talk to them to find out what else you might be able to do do loss proof your home. For instance, installing windows that are better resistant to windstorms may earn a discount.

4.Know Your Coverages: Be aware of the difference in policy risks. A policy that is written on an ‘All Risk’ basis will be more expensive than an ‘Named Peril’ policy. All risk will cover you for all risks except for those excluded by the policy. Named peril will only cover you for those perils specifically outlined on the policy. All risk is more expensive than named peril because it covers more.

5.Quit Smoking: Smoking is a leading cause of fire related deaths. Insurance companies offer a lower rate to households without smokers.

6.Group Plan: If you are a member of an association, such as a business or an alumni organization, you will benefit from a lower rate if you purchase your insurance as part of the group.

After completing the self-audit, make sure you get quotes from more than one company. Shop around.