Saving by Insurance

Managing cash-value insurance policies

Wednesday, September 8th, 2010 | Finance

Some insurance companies are criticized because it's not always clear how your premiums are used nor how the value of your policy is calculated. At a state level, insurance departments and commissioners do their best to protect your interests, but the majority of consumers are not well protected. This is less important with term insurance, but whole life and universal life policies have an investment element that slowly builds up and gives you a cash value in addition to the minimum guaranteed ...
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Health Care Insurance-More of Necessity than Need

Tuesday, September 7th, 2010 | Finance

Why do you buy insurances - to safeguard yourself financially? Health insurance is also one of the insurances devised to protect you financially. With health insurance tucked in your kitty, you carry a protective shield against all the medical expenses, most of which can be very expensive too. You simply cannot predict what your medical bill will look like. It may be that in good times the costs are lower than you ever estimated but then in case of unforeseen illnesses, the bills can be really ...
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Is Your Auto Insurance Company Toeing the Line?

Monday, September 6th, 2010 | Finance

Is Your Auto Insurance Company Toeing the Line? Do you know that over 20% of Americans believe they may be paying too much for their auto insurance-and that most of them are right? High quality, low cost auto insurance is one of the few essentials dominating today's auto industry, and it's something that many people are missing out on because insurance companies are too busy trying to drum up new business to take care of their current customers-or to help make sure their drivers have the well ...
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Choosing the right Third Party insurance

Sunday, September 5th, 2010 | Finance

Third Party insurance is a vital component of car ownership as the protection that it supplies is important for any driver as a safety measure from unexpected and costly repairs and liability for injuries. Picking out the suitable Third Party insurance for you and your vehicle may feel like a big project what with the choice of insurance providers and the different levels of coverageLow cost car insurance is always a priority for many drivers paired with premium protection against accidents and ...
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St George saving rates increased following RBA rise

Saturday, September 4th, 2010 | Finance

St George has announced it has increased rates on a number of its financial products following Reserve Bank's recent decision to raise the base rate for more than a year.Last week's Australian banking decision to raise interest rates for the first time in over 18 months has seen one financial services firm increase the rates attached to a number of its products.As the Reserve Bank of Australia (RBA) hiked rates 25 basis points to 3.25 per cent last week, St George states that it too has applied ...
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How to Use the Portable Document Format (PDF) Easily and Effectively

Friday, September 3rd, 2010 | Computers

All of us who use the Internet today would have had a chance to view or print a PDF file. You might have downloaded a product brochure from the manufacturer's website and tried to see the details of the product you are interested in. You might have mailed your presentation to interested audience members as a PDF file instead of the entire PowerPoint presentation - the PDF file being a fraction of the size of the original presentation. In the legal profession, contracts are sent from one party ...
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Cash Value and Life Insurance Policies

Friday, September 3rd, 2010 | Finance

f you're shopping for life insurance long enough, you're bound to come across the term cash value. It's typically a function of how whole life insurance is designed. As we discussed in our whole life insurance article, the cash value bell and whistle may be just that but it's important to dig a little deeper and understand how it works and why it's a part of life insurance policies at all. Let's look closer at the cash value component of whole life. My father-in-law was an old New York Life ...
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The ABCs of health insurance

Thursday, September 2nd, 2010 | Finance

More workers are likely to be offered a health insurance option that offers a lower premium, but could mean higher out of pocket costs, when open enrollment begins at many companies in coming weeks. Here are some tips for evaluating these new plans, called consumer directed health plans, and the alphabet soup of options this open enrollment season.What's a consumer-directed health plan?This is insurance that typically carries a premium lower than traditional coverage, but the trade-off is ...
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Getting prepared for flu season: What you should know about your insurance coverage and the H1N1 influenza outbreak

Wednesday, September 1st, 2010 | Finance

Because of the emergence of the H1N1 virus ' or swine flu 'Insurance Commissioner Thomas R. Sullivan and the National Association of Insurance Commissioners (NAIC) encourage consumers and businesses to include a flu response plan in their disaster preparations this year. The first step in making that plan is a comprehensive review of your insurance policies. Here are a few things you should look for:Health InsuranceThe World Health Organization (WHO) is advising countries in the northern ...
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Rethink your health insurance options to trim costs

Tuesday, August 31st, 2010 | Finance

It's open enrollment season at many businesses, and you might want to reconsider your previous year's choices. In Southern California, it's sometimes hard to tell that the seasons have changed, but here's a tip that it's fall: Many employers are beginning to send out the information you'll need to re-up for 2010 health insurance if you get your coverage through your job.Time frames vary, but if your firm does its re-enrollment in the fall, you'll probably get the information on next year's ...
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