Archive for the “Insurance Tips” Category

Kick Your Own Butt and Save on Life Insurance

March 27, 2010 Posted Under: Insurance Tips   Read More

If you’ve applied for term life insurance at all, you know that one of the questions you’re going to get asked is whether or not you smoke. Life insurance companies typically charge much higher premiums for smokers than they do for non-smokers. In fact, the cost can often be nearly three times the cost for [...]

The Worst Way to Reduce Your Life Insurance Rate

March 27, 2010 Posted Under: Insurance Tips   Read More

No one wants to pay more than they have to for life insurance. You want the best deal, and the most coverage, for the least amount of money. That’s what being a responsible consumer is all about. There are several ways you can reduce your life insurance premiums, too. You can get a multiple policy [...]

Term Life Insurance for the Single Professional

March 27, 2010 Posted Under: Insurance Tips   Read More

It goes without saying that the primary breadwinner in a family with three small children needs to be covered by a good, solid term life insurance policy. That’s just a no-brainer. If something should ever happen to him or her, the family will be in a rough spot and the last thing that they need [...]

I Don’t Mind Dying

March 27, 2010 Posted Under: Insurance Tips   Read More

OK, so it’s a little morbid, writing poetry about dying. Still, poetry is probably a better way to address the issue than, let’s say, writing a note on your life insurance premium check that says “I hope I never use your product.” In fact, death is probably one of the most common themes in poetry, [...]

Injury Claims: Who Pays?

March 27, 2010 Posted Under: Insurance Tips   Read More

For those who suffer injuries in a car accident, much confusion exists as to who is financially responsible for the injured party’s medical expenses. The answer to this question is not clear cut and will depend heavily on the insurance laws of the state in which the accident occurs. How medical bills are paid after [...]

The Oldest Profession

March 27, 2010 Posted Under: Insurance Tips   Read More

Shortly after the first human being clawed his way up out of the primordial ooze, the first life insurance salesman clawed his way up too, still covered in some of that ooze. That’s why, today, we refer to insurance salesmen as “slick.” The Ancients All kidding aside, of course, risk protection has been a goal [...]

When Repairs Cost More than the Car

March 27, 2010 Posted Under: Insurance Tips   Read More

You’ve recently had an accident, and your insurer gives you a repair estimate. The bad news is that the repair costs exceed the actual cash value of the vehicle. When this happens, your insurer will most likely declare the car a total loss. In that case, your insurer will send you a check for the [...]

PLPD Insurance Coverage Explained

March 27, 2010 Posted Under: Insurance Tips   Read More

Many people have heard the term “PLPD” used to describe a type of insurance coverage, but it seems that few of us actually know what it means. Originally coming from Michigan, PLPD stands for Property Liability and Property Damage. Today, the term PLPD insurance coverage has slowly become more popular in referencing any bare bones [...]

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