Life Insurance Free Quotes

Driving Under the Influence and Other Substance-Related Driving Offenses

Every 48 minutes in the United States, someone dies in an accident caused by a driver under the influence of alcohol. Alcohol-related crashes cost $51 billion annually and account for one-third of all vehicular fatalities in the U.S. According to the Center for Disease Control, about 1.5 million drivers are arrested for operating a motor vehicle under the influence of alcohol or narcotics, which is less than one percent of the over 150 million self-reported incidents of impaired driving every year.

Clearly, driving under the influence of alcohol and other drugs is a serious problem on American roadways, but the problems don’t stop at the safety risks. Legally and financially, drunk driving also has devastating consequences.

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Life Insurance and New Years Resolutions

Most of us make New Years resolutions every year, but how many people include life insurance in their resolutions?  There are many resolutions we all have in common lose weight, exercise more, quit smoking, drink less alcohol, spend more time with the family, spend less, save more, etc., etc.

Many people have get my financial house in order as a general resolution.  However, what does this mean?

• Unless youre the Federal Government, this would include getting your budget in order so that your expenditures are less than your income (sorry, I couldnt help the easy dig).
• If you have an IRA or other retirement plan, its always a good idea to review your investment mix and modify it, if necessary.
• The end of the calendar year is a good time to start pulling together the financial records you will need to file your tax returns (actually, its a good idea to look at it before the New Year so you can take any last minute deductions available to you.
• Time to review your insurance policies, including home, auto, health, disability and life insurance.  Is your coverage for each adequate or too much or not enough?  Regarding life insurance, if you have had a change in income or significant life changes (marriage, new child, changes in employment) you might want to review your policy with your agent to see if any changes are necessary.

If your insurance agent offers to review your policies, take him/her up on it.  We recommend doing this annually and what better time to do it than when youre making your resolutions?

How Does Serving in the Military Influence Life Insurance?

The men and women who serve in our armed forces are considered heroes by many for their dedicated and unselfish service to their country. Unfortunately, many life insurance companies are not as charitable when it comes to figuring premiums for service people, especially those engaged in combat in dangerous locations.

This is not because insurance companies do not honor military service, but because the risk factors involved in insuring the life of a solider or sailor cause the premium rates for these policies to be astronomical. The same is true for people in some other high-risk professions; many find it impossible to find affordable life insurance.

Many insurance companies are willing to write life insurance policies for service people, but have many exclusions which may make the policies worthless.

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Medicaid payments endure another round of cuts

About a dozen states have announced budget cuts by reducing payments to doctors, hospitals and other health care providers that treat the poor. The cuts, most of which went into effect July 1 or will later this month, could add to a shortage of physicians and other providers participating in Medicaid.

Cutting payment rates further is a depressing prospect in a system that is already in bad shape. Some states, such as South Carolina, are already experiencing severe Medicaid doctor shortages. Insurers and employers are also concerned about the cuts, as it inevitably means raising prices for private insurance to help offset the Medicaid burden.

“It’s always a concern that when providers get less from Medicaid, that they will shift the costs to private insurance so families and employers pay more,” says Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, an industry group.

States reducing Medicaid payments to physicians this month are Colorado, Nebraska, Oregon, South Carolina and South Dakota.

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1. Are price comparison websites leading consumers astray?
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5. World First Weekly Wander: 20th June 2011

High Risk or SR22 Insurance

High Risk or SR22 Insurance

Also known as non-standard car insurance, high risk auto insurance is a specialized type of coverage intended for drivers who represent an above-average claims risk. Such drivers might fall into a high-risk age group, have a history of repeated moving violations or accidents, or have had their driving privileges suspended or revoked due to a drunk driving or other serious violation. Colloquially, you might hear high risk car insurance referred to as SR22 insurance, although the latter is actually a misnomer. As we will explain below, there is technically no such thing as SR 22 insurance—the term just reflects a conflation of high risk policies with the concept of an SR 22 form.

The Truth about SR22 Car Insurance

Usually, when drivers refer to SR22 auto insurance, they really mean high risk, or non-standard, auto insurance. T

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Visitor Insurance Benefits Uncovered

“Oh, that’s no problem, I have visitors medical insurance” is something that many travelers say when confronted with any medical issue. However, it is important to know what visitors insurance covers, and what it doesn’t. Not everything is covered, obviously. Remember that it is but insurance to cover your expenses in case something unexpected happens, medically.

Visitors medical insurance covers any medical expenses arising out of unexpected medical conditions, including accidents. To provide cover for the most financially straining of these unexpected events, most plans also provide benefits for repatriation of remains and accidental death and dismemberment.

Hospitalization and consultation are usually covered up to the plan maximum. In case

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A Brief Summary Of Whether Phone Insurance Coverage Is A Good investment To Obtain

In the UK and thousands of other locations, mobile phone insurance scams are surfacing and are taking thousands of dollars from their victims in the process. Consumers are paying these scammers hundreds for coverage on their high tech devices that they never really receive. Many well known companies that sell these devices and the coverage that goes along with them are trying to catch and stop these scammers.

Ever since the new smart phones and tablet like computers hit the market, insuring scams have exploded. Scammers call new device owners just a couple days after they purchase their device or devices and read them the same sales pitch script they read to each new owner. Some people fall for it and spend hundreds and even thousands of dollars on coverage that they never receive.

Having coverage on these types of devices is highly recommended and important to have in case of an accident or the like causing damage to the device.

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