Monthly Archives: January 2017

Want To Save Yourself From Lifetime Regret? Get Car Insurance

One place to start is the prospective insurance company that you are most interested in. Fill in all the applicable information and within minutes you will have your quote. You will have to repeat yourself over and over to comparison shop but it is a free online insurance quote. You will put your information in just once and out will pop all of your rate quotes. You can then compare coverage and premiums to find the best rate for you. These sites may also allow you to purchase your policy through them.

Pay Premiums Which Are Light On Your Pocket

In this fast moving world, there are so many expenses that an individual can avoid and one of them is car insurance. Although nobody really looks forward for paying their monthly premium, but there are many things that a driver can do to make his policies affordable. There are many people who pay high premium for car insurance, but it’s not necessary that you need to. It can be avoided in many ways. One of the biggest factors used to calculate a person’s premium is his driving history; a person with multiple violations and accidents on their record have less chances to get affordable auto insurance than the drivers who have maintained clean driving histories. Obeying traffic laws is a must and it is also in the hands of the person behind the wheel.

Individuals who tend to run red lights, speed or drive under the influence do not have higher chance of getting a ticket but can also it can lead to traffic accident. Driving safe and driving with responsibly is probably the easiest way that consumers can make coverage as cheap as possible.

Have A Copy In Handy

You can also check internet for getting your Auto insurance quote for free. There are many sites which provide you with free online insurance quotes which are likely to be in your budget. You can research, discuss and then ultimately ask the insurance company to send you a copy of your insurance through mail. The estimate of your insurance is a proof that you have applied for that policy.

More Car Insurance Articles

The PDT Cocktail Book: The Complete Bartender's Guide from the Celebrated Speakeasy


  • Author: Jim Meehan; Chris Gall
  • Binding: Hardcover
  • Brand: Meehan, Jim/ Gall, Chris (ILT)
  • Catalog Number List: Catalog Number List Element: FPS-271686
  • EAN: 9781402779237
  • EAN List: 8601200484182; 9781402779237
  • Edition: 53771st
  • ISBN: 1402779232
  • Item Dimensions: Height: 850; Length: 125; Weight: 189; Width: 550
  • Label: Sterling Epicure
  • Manufacturer: Sterling Epicure
  • MPN: 9781402779237
  • Number Of Items: 1
  • Number Of Pages: 368
  • Package Dimensions: Height: 120; Length: 840; Weight: 180; Width: 570
  • Package Quantity: 1
  • Part Number: 9781402779237
  • Product Group: Book
  • Product Type Name: ABIS_BOOK
  • Publication Date: 2011-11-01
  • Publisher: Sterling Epicure
  • Studio: Sterling Epicure
  • Title: The PDT Cocktail Book: The Complete Bartender's Guide from the Celebrated Speakeasy

How to select the best life insurance plan for you

We have discussed a number of times on our blogs that life insurance plan is the best form of life insurance. It is a straightforward protection policy and the premium is much less than life insurance cum savings products. With a term life insurance plan you can get the optimal life cover and generate sufficient investible surplus to meet your long term financial goals. We have discussed why life insurance plans are superior to traditional insurance cum savings plans in our article. Once you have decided on buying a life insurance, you should know that half the battle to provide financial security to your family in the event of an untimely death is won. In this blog we will discuss how to select the best term plan. You should go about the process of buying life insurance in a very methodical way and if you engage an experienced certified financial planner your job will be that much easier. There are 5 broad steps involved in buying the right life insurance policy.
Determine the right amount of Sum Assured
You need to consider several factors in deciding how much life insurance cover is adequate for you. The insurance cover, also known as sum assured, should be adequate to cover the following:-
* How much debt do you have: If you are the only earning member of your family, your dependents may not be able to meet the debt obligation in the event of an untimely death. Home loan, car loan, credit cards and personal loans must be paid off in full. For example, if the outstanding principal balance on your home loan is र 25 lacs and your car loan is र 5 lacs, you need a minimum insurance cover of र 30 lacs plus a little extra for accrued interest (not paid). If your spouse is also working, you should determine how much loan can he or she service, the balance must be paid off in full.

* Income needs of your family: This is the biggest determinant of how much life cover you need. In the event of death, the income earned from the investment of the policy pay-out (also known as sum assured) should replace your current income. For example if your current monthly expense is र 50,000 and assuming you can get an annual pre-tax return of 7 – 8% on your investment, you will need an insurance cover of र 80 – 90 lacs. You should always add an additional amount, as a guard against inflation. As a thumb rule you may add your annual salary as the additional inflation guard to your sum assured. Your total sum assured, including inflation guard, in the example above should be र 90 lacs – 1 crore. So if you have loans of र 30 lacs and an expense of र 50,000/month, you total insurance cover or sum assured should be र 1.3 crores.

* Future obligations: You also need to factor in your future obligations, like children’s education, marriage etc. For example, if you need र 10 lacs for your child’s higher education on an inflation adjusted, you should include that when you are calculating how much cover you require. If your child is 10 years old and if you can get about 12% returns from suitable child investment plans, you will need to make an investment of र 4 lacs.
You can see the above method of calculating insurance cover factors, in how much funds you will require immediately, how much funds you will require on an ongoing basis and how much will you require at a future point of time, in the event of an untimely death. Determining the right sum assured is a critical aspect of life insurance. Being under-insured is as worse or, at best, only marginally better than being uninsured.
Determine the term of your life insurance policy
The term of your life insurance policy is as important as the sum assured. For example, if you are 25 – 30 years old and have a 15 year term plan, you will be left without life insurance by the age of 40 – 45. At that age health risks are much higher, particularly with respect to coronary and cardio-vascular diseases, than when you are younger. Buying new life insurance when you are above 40 is much more expensive than when you are younger. For example, the premium of a 15 year term plan for a 45 year old is more than double of 35 year term plan for a 25 year old. If you take a longer term plan when you are young, you may be paying slightly higher premiums in the initial policy years, but your overall savings in your life insurance premiums over your entire working career will be much higher. You should try to get the right life cover for the longest term possible. Of course, there is the question of affordability. While you should not compromise on the amount of life cover or sum assured to get a longer term plan, term plans are advantageous in the sense that you can get a longer life insurance term at a much lower cost, compared to other types of life insurance plans. 60 is normally considered to be the retirement age, but nowadays, more and more people are working even beyond the age of 60. It is always a good practice to assess your life insurance needs from time to time, and if you feel that you will be working beyond the age of 60, it will be prudent to buy term plan to cover you even beyond the age of 60.
Compare Plans before you buy
It is always advisable that insurance buyers compare different plans before buying their life insurance policy, so that they can choose the right insurance plans for their needs. While cost is an important factor when buying an insurance policy, the claims settlement track record of the life insurance company is also an equally important factor. There are a large number of plans available in the market. You should note that, under the current insurance (IRDA) regulations an insurance agent are not allowed to sell products of multiple insurance companies. While the regulations may change in future, as of now, an insurance agent is not allowed to sell policies of more than one life insurance companies. Therefore, an insurance agent will obviously be biased towards the products of the company where he or she has the agency. A fee based independent financial planner or insurance advisor can help an insurance buyer buy the right policy. You can also buy life plans online after comparing different term plans, if you can devote the time and know what you need.
Choose a company with good claims settlement track record
A cheaper policy is no good, if the life insurance company for some reason or another cannot fulfil the claim of the insured in the event of an untimely death. It defeats the very purpose to buying life insurance. Even if the life insurer fulfils the claim, if it takes a very long time to fulfil the claim it is certainly not a desirable situation for family of the insured to be in. We have discussed the claim settlement statistics of some of the largest life insurers in the country in our article, Best Life Insurance Companies in Claim Settlement. The table below shows the number of the death claims received by these life insurers, number of death claims paid by the insurers, the number of the death claims repudiated (rejected) and the number of the death claims pending to be processed at the end of the year.
Monitor your life insurance needs on an ongoing basis
Some insurance buyers think that once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever. This is a mistake. Financial situations of insurance buyers change with time. Compare your current income with your income ten years back. Hasn’t your income grown several times? Your lifestyle would also have improved significantly. If you bought a life insurance plan ten years ago based on your income back then, the sum assured will not be enough to meet your family’s current lifestyle and needs, in the unfortunate event of your untimely death. Therefore you should buy an additional term plan to cover that risk. Life Insurance needs have to be re-evaluated at a regular frequency and any additional sum assured if required, should be bought.
In this article we have discussed 5 broad steps involved in selecting the best life insurance plans that is most suitable for your needs. Life insurance is one of the most critical aspects of our financial planning. It is as important as investment planning in ensuring the financial well being of our families. I have seen many investors devoting much more mind space to investments compared to life insurance, while at the same time, spending much more on life insurance than investments. If you follow the steps outlined in this blog and choose the right term plan for your life insurance, not only will you be able to provide adequate financial security to your family, you will also be able to free up substantial financial resources to invest towards your other long term financial goals.

Sunil Rao business professional working in Life Insurance Organisation and likes to write articles about finance,life insurance,Term Insurance,Life Insurance Plans.

The Power of Habit: Why We Do What We Do in Life and Business


  • Author: Charles Duhigg
  • Binding: Paperback
  • Brand: Charles Duhigg
  • Catalog Number List: TM-081298160X; POTM-081298160X; FPS-317837
  • EAN: 9780812981605
  • EAN List: 8601406381322; 9780812981605; 8601401248880
  • ISBN: 081298160X
  • Item Dimensions: Height: 800; Length: 520; Weight: 64; Width: 90
  • Label: Random House Trade Paperbacks
  • Manufacturer: Random House Trade Paperbacks
  • Number Of Items: 1
  • Number Of Pages: 371
  • Package Dimensions: Height: 102; Length: 799; Weight: 60; Width: 512
  • Package Quantity: 1
  • Product Group: Book
  • Product Type Name: ABIS_BOOK
  • Publication Date: 2014-01-07
  • Publisher: Random House Trade Paperbacks
  • Release Date: 2014-01-07
  • Studio: Random House Trade Paperbacks
  • Title: The Power of Habit: Why We Do What We Do in Life and Business

Five Things Your Car Insurance Company Doesn’t Want You To Know

When you’re looking for the right auto insurance plan, it’s hard to tell which companies are helping you get the best car insurance quote and deals, and which ones are overcharging for their services.

The good news is there are hundreds of car insurance companies to choose from; you can get dozens of offers, compare insurance company ratings, and find out which insurance company can get you the best rate. The bad news is, many auto insurance companies don’t disclose their application process in detail, and may be ranking and rating you to raise your auto insurance quote.

Knowing which auto insurance companies can get you the best deal involves research, exploring car insurance news, and knowing when to shop around. Here are just five things your car insurance company doesn’t want you to know:

1. The model of your car affects your insurance rate. Few auto insurance companies won’t tell you exactly how they calculate their car insurance quote and rates, and most rely on a grading and ranking scale for different makes and models. This largely depends on the safety and reliability of your car; if a car is at risk for theft or has a low safety record, your car insurance quote is likely to be much higher than average. The best way to avoid overpaying for car insurance with this in mind is to ask about the range for your vehicle. If you’re in the market to purchase a car, you can also find out which cars are considered to be the most expensive in your area.

2. They can cancel your auto insurance during the ‘binding period.’ The first 30-60 days with your car insurance company is a special time where they will review your account and watch for any claims you file. This is a critical time where the auto insurance company can cancel your policy for almost any reason. State laws vary on how long this binding period is, and each insurance company works under different guidelines on regulations on what is acceptable during this period – and what isn’t.

3. You won’t always get the whole amount if your car is totaled. The collision policy on your car insurance can very considerably depending on auto insurance provider, and not all companies will cover the total value of your car. Some insurance companies only offer complete reimbursement for specific cars – knowing if your car qualifies beforehand is an important item to consider when you’re trying to make the right choice.

4. They only work with select body shops. Many auto insurance companies work with only a few body repair shops, and you’ll be required to visit these shops if you want reimbursement. If you go to an ‘out of network’ body shop, there’s a good chance you’ll have to pay for most of the repairs yourself. It’s a good idea to make sure the body shop you prefer, or one that’s in your area, is covered by your car insurance provider.

5. Your credit report has a lot of weight in calculating your car insurance quote. Few people realize that their credit rating has an influence on their premium and final auto insurance quote. Making sure your credit report is clean and clear of errors is important when applying for car insurance, so you may need to contact the credit bureau to check for errors before submitting your application

Daren Singh writes for specializing in Insurance. Offering Free Car Insurance Quote, Free Health Insurance Quote, and Free Homeowners Insurance Quote. Spending a little time shopping around can save you 0-0 per year.

Zento Deals Reflective Student Driver Please Be Patient Magnetic Sign


  • Brand: Zento Deals
  • EAN: 0716669915905
  • EAN List: EAN List Element: 0716669915905
  • Label: Zento Deals
  • Manufacturer: Zento Deals
  • Model: ST40
  • MPN: ST40
  • Package Dimensions: Height: 20; Length: 470; Weight: 2; Width: 470
  • Package Quantity: 1
  • Part Number: ST40
  • Product Group: Automotive Parts and Accessories
  • Product Type Name: AUTO_ACCESSORY
  • Publisher: Zento Deals
  • Size: 5X5 INCHES
  • Studio: Zento Deals
  • Title: Zento Deals Reflective Student Driver Please Be Patient Magnetic Sign
  • UPC: 716669915905
  • UPC List: UPC List Element: 716669915905

Travel Health Insurance for Travelers in Canada

Whether you are traveling to Canada for the first time or knock about frequently, you will need a travel health insurance that covers you and your family. Here are a few things to keep in mind while choosing a travel health insurance plan for touring Canada.

Gigantic mountains, rugged coastlines, glimmering glaciers, luxuriant rain forests and fabulous sandy beaches, Canada is more than what travel itineraries can describe. A potpourri of exotic cuisines, breathtaking beauty, rare species, endless landscapes and interesting denizens, Canada is the perfect holiday destination for all those consumed by wanderlust. If you are planning a trip to this smorgasbord of fun, adventure and beauty make sure you have got yourself insured under a genuine traveler’s health insurance before you set your foot on the land of the pink sand beaches. Here are a few reasons why you might need travel health insurance when you are in Canada on vacations or as an expatriate:

Canadian health system

The public health care system for Canadian residents is called Medicare. Medicare offers free basic medical services to the Canadian citizens. For those who are planning to become the permanent residents of Canada will need a traveler’s health insurance until they are qualified to apply for the Medicare services. Travel health insurance not only provides you monetary compensation in case of any accident, injury or illness but also offers the assistance that you may need during any emergency that might arise while your stay in Canada.

What to choose?

For those who are only traveling to Canada or are not eligible to apply for Medicare will have to pay for all medical expenses from their own wallet if they do not avail traveler’s health insurance. Depending on your needs and the span of your trip you can choose a long term plan or a short term plan. You also have the option to choose from a high deductible or low deductible plan based on your specific requirements.

What’s more?

The best thing about traveler’s medical insurance in Canada is that besides giving you medical insurance it also gets you covered for additional travel benefits like compensations for canceled or interrupted tours because of emergency medical conditions. Some of these insurance plans also cover lost bags and baggage and cancelled flights. You just need to check with your travel health insurance provider to confirm the extra benefits they are offering apart from monetary compensation for medical issues.

The most important reason why you need health insurance while travelling to Canada is that your home health insurance policy will most likely not cover you if you are travelling in some other country. So make sure you have done your homework and got you and your family covered to have a happy holiday in the ah-inspiring country.

Article Source:

Choose affordable Travel Health Insurance Canada plans to cover you when you are traveling. AwayCare Inc. provides out of country and out of province medical coverage to Canadians.

Sports Travel Security


  • Author: Peter Tarlow Ph.D. in Sociology Texas A&M University
  • Binding: Paperback
  • EAN: 9780128050996
  • EAN List: EAN List Element: 9780128050996
  • Edition: 1
  • ISBN: 0128050993
  • Item Dimensions: Height: 925; Length: 750; Width: 67
  • Label: Butterworth-Heinemann
  • Manufacturer: Butterworth-Heinemann
  • Number Of Pages: 296
  • Package Dimensions: Height: 63; Length: 921; Weight: 132; Width: 748
  • Package Quantity: 1
  • Product Group: Book
  • Product Type Name: ABIS_BOOK
  • Publication Date: 2017-02-01
  • Publisher: Butterworth-Heinemann
  • Release Date: 2017-01-18
  • Studio: Butterworth-Heinemann
  • Title: Sports Travel Security

Care To Be Taken For Student Health Insurance Scheme

Nowadays students are expecting health insurance should be in such a way that it should provide good coverage as well as simple and less expensive to pay premium. The students cannot afford themselves to pay a large amount of money as a premium. Hence the task of finding such a insurance scheme satisfying both the needs is a heavy task.

As a college student, there are a wide variety of different options that one can choose. Paying the premiums for health insurance depends on many factors, such as there are certain things which are within your control while others are not. Factors such as your medical history and age is the most common and significant thing you need to take into consideration when buying health insurance.

Fortis student insurance is a scheme which satisfies most of the needs of the students and provides a suitable scheme for the students and it is the one of the most widely used insurance scheme in United States of America. The main reason is it provides individual insurance and enables the college students to renew it. This Fortis student insurance scheme will be apt for all those undergraduate students will the age of less than 30.
The main drawback with this Fortis scheme is it does not provide less health coverage compared to many commercial companies.

It is necessary to choose doctor and hospitals when you are ready to pay premium on monthly basis. It is better to choose the scheme is such a way that you are insured wherever you go. The insurance will continue even if you change your school or college.

One should always consider the cost of a health insurance that they intend to buy for themselves. Some may have to look and at the same time may be able to qualify for health insurance that are fully covered by public funds. One should always look for other avenues when buying health insurance as there are some insurance where it is less expensive which you can buy than if you buy an insurance policy directly from your college if cost is a huge factor that you need to be on a budget.

Student should be well aware of all the condition and policies of the insurance scheme. Reading the entire terms and conditions certificate of the scheme will make the student to be on safer side. In many certificate all the necessary items are charted out and listed out on the paper itself.

Being a student member of an organization you are eligible to receive some discount on that insurance scheme regarding the premium. You will also be eligible to get good health coverage. If you are a member of professional organization and honor societies the discount will be more on the subject of health insurance.

Usually the student health insurance scheme are designed in such a way that it is affordable for students and especially who are studying in other countries to secure them if any thing wrong happens to them. In this way they are encouraging students to take health insurance and be on the safer side.

Before you buy insurance, make sure you check our no obligation quotes at medical insurance for students , and health insurance for college student

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Scholastic Pocket Dictionary of Synonyms, Antonyms, Homonyms


  • Author: Scholastic
  • Binding: Paperback
  • Brand: Brand: Scholastic Reference
  • EAN: 9780545426671
  • EAN List: EAN List Element: 9780545426671
  • ISBN: 0545426677
  • Item Dimensions: Height: 750; Length: 75; Weight: 42; Width: 525
  • Label: Scholastic Reference
  • Manufacturer: Scholastic Reference
  • Number Of Items: 1
  • Number Of Pages: 240
  • Package Dimensions: Height: 60; Length: 750; Weight: 25; Width: 520
  • Package Quantity: 1
  • Product Group: Book
  • Product Type Name: ABIS_BOOK
  • Publication Date: 2012-07-01
  • Publisher: Scholastic Reference
  • Studio: Scholastic Reference
  • Title: Scholastic Pocket Dictionary of Synonyms, Antonyms, Homonyms