INSURANCE

Federal Employees' Group Life Insurance

2009-10-06T02:30:00.000-07:00

The Federal Government established the Federal Employees' Group Life Insurance (FEGLI) Program on August 29, 1954. It is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members.
Most employees are eligible for FEGLI coverage. FEGLI provides group term life insurance. As such, it does not build up any cash value or paid-up value. It consists of Basic life insurance coverage and three options. In most cases, if you are a new Federal employee, you are automatically covered by Basic life insurance and your payroll office deducts premiums from your paycheck unless you waive the coverage. In addition to the Basic, there are three forms of Optional insurance you can elect. You must have Basic insurance in order to elect any of the options. Unlike Basic, enrollment in Optional insurance is not automatic -- you must take action to elect the options.
The cost of Basic insurance is shared between you and the Government. You pay 2/3 of the total cost and the Government pays 1/3. Your age does not affect the cost of Basic insurance. You pay the full cost of Optional insurance, and the cost depends on your age.
The Office of Federal Employees' Group Life Insurance (OFEGLI), which is a private entity that has a contract with the Federal Government, processes and pays claims under the FEGLI Program.

Auto insurance and the law

2009-09-21T03:01:00.000-07:00

In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.
The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.

Life Insurance Calculator

2009-09-21T02:44:00.000-07:00

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The purpose of life insurance is to replace your income should you die. It ensures that your family will be able to continue living as it does now. To determine how much life insurance you need, you must determine how much money your family will need in your absence over the course of many years.
The following calculator helps you to determine the total amount of life insurance that you will need. You should rerun this calculation each time you have a child or your life changes significantly.

Health Care - from Scratch

2009-09-02T02:47:00.000-07:00

DAYTONA BEACH-- Let’s imagine you live here in Florida, and you have to power to change the health care system into anything you want; what would it be? Well it couldn’t be free, could it? Maybe, but that would be weird; you can’t expect to pay nothing, so chances are you would make up a fair price for things...
Following that thought, you might come up with a fee for health coverage. If you are poor, you pay nothing. If you make $30,000 you pay something like $1 a day for coverage, a person who makes $100,000 might have to pay $3.00 per day. Rich people can pay a bit more, but not too much more, because that’s not fair either. So in the long run we raise a few hundred billion dollars a year to pay for health care.
Since we are basing the cost of health insurance by the amount you make per year, this only works if everyone pays taxes. We all know there are many people out there who do not pay their taxes. Currently there are billions of dollars owed in back taxes, and getting them paid is next to impossible. If this health insurance idea of yours is to work, it has to include some kind of tax amnesty, to clear up the past, and get them paying into the system now. So you declare a past tax transgression amnesty act, writing off the past debt, and getting everyone paying into the system.
Now there are 300 million people insured, each paying into the system a few dollar per day, and they are covered; no deductible, no co-pay, if you’re sick, you go to the doctors, you need pills, they are not free, but they have to be affordable. Now the drug companies are mad, because they aren’t going to make a billion dollars a minute selling drugs, but who cares?
Why do we care if a big pharmaceutical company makes another googillion? We don’t care. We could care less if these monsters make less money – it’s about time. So we come up with a fair price for drugs. If it costs a dollar to make, it should never cost more than $10. Pharma should be happy making 10X on the dollar.

Health Reform Setback

2009-09-02T02:39:00.000-07:00

A group of legislators who call themselves Blue Dog Democrats have put the brakes on a comprehensive health reform bill working its way through the House of Representatives. According to the Washington Post, this setback is especially troubling to President Obama, who has deemed health reform to be one of his top two priorities in 2009. However, the Blue Dog Democrats will not approve any legislation that fails to contain costs. They want to be sure that everything possible will be done to reduce costs within the system before resorting to taxation as a funding source. This faction is working on their own draft of legislation that will address their concerns. The President has asked Congress to present him with a reform bill by October, so time is running short - even if the House does reach an agreement, they must then reach an agreement with the Senate before delivering this key legislation.

Today's featured article

2009-09-02T02:24:00.000-07:00

The Rock Springs massacre occurred on September 2, 1885, in the present-day United States city of Rock Springs, Wyoming, in Sweetwater County. The riot, between Chinese immigrant miners and white, mostly immigrant, miners, was the result of racial tensions and an ongoing labor dispute over the Union Pacific Coal Department's policy of paying Chinese miners lower wages than white miners. When the rioting ended, at least 28 Chinese miners were dead and 15 were wounded. Rioters burned 75 Chinese homes resulting in approximately US$150,000 in property damage. Tension between whites and Chinese immigrants in the late 19th century American West was particularly high, especially in the decade preceding the violence. The massacre in Rock Springs was the violent outburst of years of anti-"coolie" sentiment in the United States. In the immediate aftermath of the riot, federal troops were deployed in Rock Springs. They escorted the surviving Chinese miners, most of whom had fled to Evanston, Wyoming, back to Rock Springs a week after the riot. Reaction came swiftly from the era's publications. In Rock Springs, the local newspaper endorsed the outcome of the riot, while in other Wyoming newspapers, support for the riot was limited to sympathy for the causes of the white miners. The massacre in Rock Springs touched off a wave of anti-Chinese violence, especially in the Puget Sound area of Washington Territory.

Length of Time of Life Insurance Policy

2009-09-02T02:16:00.000-07:00

The longer your policy remains in force, the more likely it is that the company will pay a claim, therefore the more expensive it is. That is why whole life insurance policies have the highest premium - it's insurance for your whole life, no matter when you pass on. When you have a whole life policy you have assurance that you will have coverage as long as you live. As long as you pay your premium, the company will guarantee that benefits will be paid to your heirs. That is why a 5 or 10-year term life insurance policy is the least expensive. The company is less likely to pay a claim on that term life policy.

Today's featured article

2009-09-02T01:56:00.000-07:00

Length of Time of Life Insurance Policy

2009-09-02T01:35:00.000-07:00

2009-08-31T02:08:00.000-07:00

With some other services and products buying the “cheapest” option may be a waste of time and money. Medical insurance is the best example. When purchasing a cheap medical insurance, you are buying the promise that the insurer will be there for you when you need them. To preserve your peace of mind contact a reputable company servicing cheap medical insurance.
Cheap medical insurance cannot automatically be relied on at the cheapest plan. Look for a plan that you can rely on for your and your family’s needs. For a cheap medical health insurance alternative, consider a plan with a higher deductible. High deductible medical plans are offered by a various leading insurance companies.
Less important goods and services are offered under cheap medical insurance. CHEAP Insurance is your one stop insurance which offer products from the best insurance carriers in the country. You know you are getting the best but cheap medical insurance possible with their licensed insurance professionals.
CHEAP Insurance offers the best possible but cheap medical insurance for the least possible money. It is your choice for value based insurance options. With its cheap medical insurance plans tailored to fit the unlucky driver and a variety of payment options, CHEAP Insurance works with you to find the policy that meets your needs. The best possible insurance, for the least possible money would be your goal to get at CHEAP Insurance.
Purchasing cheap medical insurance online at CHEAP Insurance is preferred by most customers. They love the convenience of purchasing their insurance online because they feel more secure getting an estimate over the phone.

Cheap Medical Insurance

2009-08-31T01:58:00.000-07:00

With some other services and products buying the “cheapest” option may be a waste of time and money. Medical insurance is the best example. When purchasing a cheap medical insurance, you are buying the promise that thWith some other services and products buying the “cheapest” option may be a waste of time and money. Medical insurance is the best example. When purchasing a cheap medical insurance, you are buying the promise that the insurer will be there for you when you need them. To preserve your peace of mind contact a reputable company servicing cheap medical insurance.
Cheap medical insurance cannot automatically be relied on at the cheapest plan. Look for a plan that you can rely on for your and your family’s needs. For a cheap medical health insurance alternative, consider a plan with a higher deductible. High deductible medical plans are offered by a various leading insurance companies.
Less important goods and services are offered under cheap medical insurance. CHEAP Insurance is your one stop insurance which offer products from the best insurance carriers in the country. You know you are getting the best but cheap medical insurance possible with their licensed insurance professionals.
CHEAP Insurance offers the best possible but cheap medical insurance for the least possible money. It is your choice for value based insurance options. With its cheap medical insurance plans tailored to fit the unlucky driver and a variety of payment options, CHEAP Insurance works with you to find the policy that meets your needs. The best possible insurance, for the least possible money would be your goal to get at CHEAP Insurance.
Purchasing cheap medical insurance online at CHEAP Insurance is preferred by most customers. They love the convenience of purchasing their insurance online because they feel more secure getting an estimate over the phone.e insurer will be there for you when you need them. To preserve your peace of mind contact a reputable company servicing cheap medical insurance

Cheap medical insurance cannot automatically be relied on at the cheapest plan. Look for a plan that you can rely on for your and your family’s needs. For a cheap medical health insurance alternative, consider a plan with a higher deductible. High deductible medical plans are offered by a various leading insurance companies.
Less important goods and services are offered under cheap medical insurance. CHEAP Insurance is your one stop insurance which offer products from the best insurance carriers in the country. You know you are getting the best but cheap medical insurance possible with their licensed insurance professionals.
CHEAP Insurance offers the best possible but cheap medical insurance for the least possible money. It is your choice for value based insurance options. With its cheap medical insurance plans tailored to fit the unlucky driver and a variety of payment options, CHEAP Insurance works with you to find the policy that meets your needs. The best possible insurance, for the least possible money would be your goal to get at CHEAP Insurance.
Purchasing cheap medical insurance online at CHEAP Insurance is preferred by most customers. They love the convenience of purchasing their insurance online because they feel more secure getting an estimate over the phone.

Health Insurance

2009-08-31T01:37:00.000-07:00

Health insurance helps protect you from high medical care costs. Many people in the United States get a health insurance policy through their employers. In most cases, the employer helps pay for that insurance. Insurance through employers is often with a managed care plan. These plans contract with health care providers and medical facilities to provide care for members at reduced costs.
You can also purchase health insurance on your own. It usually costs you more than employer-based insurance. People who meet certain requirements can qualify for government health insurance, such as Medicare and Medicaid. If you do not have health insurance, you must pay your medical bills directly or rely on health care providers or organizations that donate care.

2009-08-30T04:28:00.001-07:00

2009-08-30T04:00:00.001-07:00

2009-08-30T04:00:00.000-07:00

2009-08-30T03:59:00.001-07:00

2009-08-30T03:58:00.001-07:00

Auto Insurance Leads

2009-08-30T03:48:00.000-07:00

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Life insurance

2009-08-30T03:22:00.000-07:00

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.

As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.
To be a life policy the insured event must be based upon the lives of the people named in the policy.

Home insurance

2009-08-30T03:06:00.000-07:00

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It requires that at least one of the named insured occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age. It is a multiple line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is . The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to floods, or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance. Insurance must be updated to the present and existing value at whatever inflation up or down, and an appraisal paid by the insurance company will be added on to the policy premium. Fire insurance will require a special premium charge, plus the addition of smoke detectors and on site fire suppression systems to qualify.
The home insurance policy is usually a term contract—a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station, if the house is equipped with fire sprinklers and fire alarms. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.
In the United States, most home buyers borrow money in the form of a mortgage loan, and the mortgage lender always requires that the buyer purchase homeowners insurance as a condition of the loan, in order to protect the bank if the home were to be destroyed. Anyone with an insurable interest in the property should be listed on the policy. In some cases the mortgagee will waive the need for the mortgagor to carry homeowner's insurance if the value of the land exceeds the amount of the mortgage balance. In a case like this even the total destruction of any buildings would not affect the ability of the lender to be able to foreclose and recover the full amount of the loan.
The insurance crisis in Florida has meant that some waterfront property owners in that state have had to make that decision due to the high cost of premiums. See Citizens insurance.

Today's featured article

2009-08-30T02:33:00.000-07:00

Harriet Bosse (1878–1961) was a Norwegian–Swedish actress. A celebrity in her own day, Bosse is today most commonly remembered as the third wife of August Strindberg, one of the originators of modern drama. Having secured an engagement at the Royal Dramatic Theatre ("Dramaten"), the main drama venue of Sweden's capital Stockholm, Bosse caught the attention of Strindberg with her intelligent acting and exotic "oriental" appearance. Strindberg wrote a number of major roles for Bosse during their short and stormy relationship, especially in 1900–1901, a period of great creativity and productivity for him. Like his previous two marriages, the relationship failed through Strindberg's jealousy, which some biographers have considered paranoid. The arc of Strindberg's feelings about Bosse, from worship to rage, is reflected in the roles he wrote for her to play, or as portraits of her. Despite her real-life role as muse to Strindberg, she remained an independent artist. Bosse married Swedish actor Gunnar Wingård in 1908, and Swedish screen actor, director, and matinee idol Edvin Adolphson in 1927. All three of her marriages ended in divorce after a few years, leaving her as a hard-working single mother with a daughter by Strindberg and a son by Wingård. On retiring after a high-profile acting career based in Stockholm, she returned to her roots in Oslo. (more...)

About GMAC Insurance

2009-08-27T03:23:00.000-07:00

Founded in 1939 as Motors Insurance Corporation, the GMAC Insurance Group is one of the largest property and casualty insurance companies in the United States and is part of GMAC Financial Services. The company provides a broad range of insurance and insurance-related products and services for individual consumers, as well as automotive dealerships and other businesses.As the country''s only insurance company to come from within the automotive industry, GMAC Insurance understands that, to Americans, a car is more than a transportation tool. It is a tangible link to our freedom, self-expression, and most of all, the fundamental catalyst that keeps our lives moving. With this perspective, GMAC Insurance is a company with a singular purpose: to get you back on the go when mishaps threaten to sideline your life.Today, GMAC Insurance is one of the largest insurers in the nation. With major corporate locations in St. Louis, MO, Winston-Salem, NC, Atlanta, GA, and Southfield, MI, the company employs approximately 3,800 people worldwide, with more than 100 offices in the United States and Canada, as well as international operations in Europe, Latin America, and Asia.