Insurance Articles

You have just spent a lot of money buying a property - either it is your home and you are going to work overseas for a while or in a different part of the country. It might be an investment property a "buy - to let" or a buy to let via a SIPPs Proper...

It may be easier than you think! There are many reasons why you may choose to move your auto insurance coverage to another company. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you're unhappy wit...

Term Life Insurance is one of the purest forms of life insurance in the sense that it provides a level death benefit in exchange for a premium. Death benefits for term life insurance are traditionally level, neither increasing nor decreasing over the...

In this era of creative financing and cost management tools, many employers are looking for new ways to help employees finance their health care expenses. As an employer, you want to provide good coverage, but the cost increases in recent years have...

Many homeowners along the Gulf Coast have spent decades making saving up and making mortgage payments on their homes. Unfortunately, hurricanes Rita and Katrina have wreaked havoc on the area and most of the homes in the area are either damaged or d...

You now are the owner of a new health insurance policy because your place of employment changed providers, but you do not have the first clue what the new policy covers. The first thing you should do is take a moment to read the policy. Do not be sur...

When it comes to auto insurance rates, who you are determines what you pay. Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistical...

Choosing a health insurance plan is not as easy as it used to be. The distinctions among health plans have begun to blur as health benefits companies compete for your business. Although there is no "best" health benefits plan, there are carriers tha...

Helping employees get answers to their personal health benefits questions is a common responsibility for benefit administrators (BAs). Many employees turn to their company's benefit administrator for assistance because they feel the BA is in a better...

It's never too early to begin planning how health insurance benefit plans will be designed and paid for, and what role you, as an employer, will continue to play in the process. A culture of entitlement exists when it comes to health benefits, and it...

Employers increasingly are realizing the value that worksite wellness programs deliver as an effective tool to improve employee health, increase productivity, reduce absenteeism and lower health care costs. A 2003 report published by the U.S. Departm...

For most companies, open enrollment is a 30-day period in which employees have the opportunity to select their benefits for the next year. Making an informed decision about which health insurance plan to select is critical for employees, but it can b...

Health insurance companies face increasing pressure to stay competitive in today's marketplace. Having a competitive stance goes beyond offering affordable health benefits packages — it also involves having superior service, such as an efficient b...

The price of insurance depends ultimately on the risk the insurer is taking on on behalf of the customer. Simply put, this will depend on the chance of the insured event occurring, and the likely cost of the outcome. The way insurers calculate this r...

Most people complain about the cost of their auto insurance--hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significan...

A simple, but crucial medical billing change has recently occurred. Beginning on October 1, 2005, the Medicare durable medical equipment regional carrier (DMERC) will no longer accept the diagnosis code 585.0. Instead of using ICD-9 585.0, medical bi...

Educated choice The more you and your employees know about your health care plan choices, the easier it is to control costs. By Cathy Aguirre How to control health care costs continues to dominate discussions among benefit administrators, chief finan...

The cost of health insurance continues to climb unabated. As the number of uninsured in America swells to 45 million people, many look to our political leaders for answers and relief. Presidential campaign rhetoric about how to control skyrocketing h...

Liability insurance, also commonly known as public liability insurance is something that all self-employed persons should consider even as early as when writing their business plan. Liability insurance should be considered a necessity for all self em...

You just received your most recent automobile insurance bill and it has gone up once again. More than 10%, in fact! A little gecko is clamoring for your business and so are a handful of other companies that you even no less about. So, what should you...

Shopping around for medical insurance can be a confusing business. You need to keep your wits about you and keep track of the benefits and costs of each policy and each type of policy. Too often we tend to look at the price first and the rest of th...

As a business owner, you've come to expect big increases in your employee health insurance premiums of late. Employer-sponsored health insurance premiums increased an average of 11.2 percent in 2004, and this was the fourth consecutive year of double...

People are injured everyday, some worse than others. After a serious injury, many people are so thankful that they're still alive and they fail to realise that the other party are responsible for their debilitation. Hit them where it's going to hurt ...

Let your fingers do the walking... Remember that Yellow Pages Ad Campaign? Excellent advice if you're shopping for auto insurance. Shop around and do it yearly. Don't just keep paying the invoice over and over without comparison shopping. Below are a...

The Colorado health insurance marketplace can be difficult to navigate. If you're looking for health insurance on your own, you may be wondering, "Where can I find the right health plan for me? Where can I turn if I am denied health coverage? What ar...

Automobile insurance is an increasing expense for almost all Americans. We can't afford to have it, and we certainly can't afford to NOT have it. When researching car insurance companies and comparing policies, it is a good idea to follow these easy ...

Individuals planning on purchasing a home spend weeks if not months picking the perfect neighborhood, floor plan, and then home before they even consider purchase. In a similar way, buyers will shop around and compare the interest rates offered them...

Life Insurance quite generally is a policy whereby you pay a company a premium so that if you die while covered your descendents receive financial benefits. Within the larger Life Insurance window there exist two broad categories of policies, Term a...

Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy. 1. Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occ...

Recent statements by the City of London Police Commissioner James Hart that future terrorist attacks in London's financial centre are, "a matter of when, rather than if", will increase already serious concerns over issues of personal and business fin...