Is it cheaper to have all cars on one policy?

Question: Is it cheaper to have all cars in the household on one policy? Is it cheaper to have the husband listed as the first insured on any household auto insurance policy?

Answer: Yes, normally it is cheaper to have all cars in a household listed on one policy, and it doesn’t matter if the husband or wife is listed as the first named insured on the policy.

If all members of the household drive each car, even on the rare occasions, it’s usually easiest and cheapest to place all the vehicles on one policy because with separate policies all licensed household members would still need to be listed and rated.

When you have more than one vehicle on a policy, you get a multi-car discount, which can be up to 25% off most of your car insurance coverages.

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Apr 15, 2012


Posted by Emily Davis | No Comments »
Tags: Policy

Buying Life Insurance | Term Life Insurance | Permanent Life Insurance

Buying life insurance is one of those must do activities that will usually turn out to be worth the effort in the long run. After the process you will experience a deep sense of accomplishment and the comfort of knowing that your loved ones are secure. We work hard, support our families and try to accumulate sufficient capital for them in the event of our premature deaths. We may not live to see our plans mature thus we turn to buying life insurance to solve the problem.

We must decide which type of insurance before we go any further. There are two types of life insurance policies to chose from; term life insurance and permanent life insurance .

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Apr 15, 2012


3 Things You Didn’t Know About Life Insurance

Life insurance coverage is quite straightforward with term life insurance policies, yet becomes exceedingly complex with some of the variable universal life insurance products.

Putting complexities aside, providing financial protection for your family ranks as the most basic and number one reason to get life insurance. Life insurance policies do offer quite a bit more than just a lump sum of money though, and the following details a few things that may surprise you about life insurance coverage and its flexibility.

The Right Amount of Coverage

Every family has different life insurance needs, depending on their unique circumstances.

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Apr 10, 2012


Posted by Elizabeth Hernandez | No Comments »
Tags: Insurance, Life Insurance

10 Deceptive Travel Scams Around the World

Travel cons have been around ever since people headed down the road to see new places here are just a few we’ve recently heard reports on.

1. The Grabby Cabby

We’re all familiar with cab drivers who take the long way around, but what about cabbies who tell you that your hotel has burned down and offers to take you to another (where they collect a commission)? Or this scam: you pay the cab driver and hop out only to notice one of your bags has just sped off with the cab driver!

The solution: Confirm your reservations yourself so you can’t be fooled, and pay attention during your cab driver transactions: count the bags carefully, and check to be sure you haven’t left anything on the seat. Only af

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Apr 10, 2012


Posted by Emily Davis | No Comments »
Tags: Deceptive Travel, Travel

Justice Department tells Humana, Arcadian to divest in five states

The U.S. Justice Department is forcing Humana and Arcadian Management Services to divest themselves of Arcadians Medicare Advantage business in parts of five states to secure approval of Humanas acquisition.

As a procedural move, the Justice Department filed a civil suit in U.S. District Court in Washington, D.C., seeking to stop the proposed acquisition. At the same time, the department also filed a proposed settlement, whereby the health insurer will divest itself of the Medicare Advantage plans in the five states.

If approved by the court, the suit would be settled and the governments antitrust concerns would be addressed.

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Apr 08, 2012


Posted by Jeremy Allen | No Comments »
Tags: Five States, Justice Department, States

Insurance Company Changes Payment Philosophy: Adjuster Changes License

When the insurance company’s claims payment philosophy changed, George Keys did not. “I honestly never thought I would leave the employment of the insurance company.” This is the first thing George Keys said when asked about his work with policyholders.

For over thirty years, George W. Keys, Jr., SPPA, has dedicated his professional life to being a voice for policyholders in property insurance claims. Today, Mr. Keys works as a public insurance adjuster, appraiser, and umpire, but it is his interesting background that impacts how he views and handles insurance claims when he is adjusting a claim or working on an appraisal.

Starting in 1978 as an adjuster trainee for Commercial Union Insurance Company, Keys was trained by the insurance company. He wa

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Apr 01, 2012