Sunday, December 10, 2006

preferably a JOINT

I would go with the $200K, preferably a JOINT, First To Die
contract.as the "cost of living" would in all probability change
before either of you "croak". The J/F/T/D policy will pay the
ENTIRE amount on the first Death.

Friday, December 8, 2006

My Problem?

I am a student at a university, but my permanent address of residence is in
London. I am getting a new car and so am looking around for the best
insurance quote.

Most of the time, the car will be kept at the university address, and will
only be kept at the registered address in London on weekends or holidays.


If, when getting a quote, the company asks the address where the car is
usually kept overnight, I put in the address of the university. If it does
not ask me, is it illegal to not tell the insurance company that the car is
not kept at the registered address for most of the time?


This is important, as the university address puts the insurance up by around
£600! Talking of motor insurance, does anyone have any suggestions as to
which company/companies to use? I am 19 and am getting a MINI One 1.6L. All
insurance quotes so far have been unbelievably high (I suppose not
surprisingly) even though I've been putting myself as a second driver!


I'm sorry if I sound stupid, but I have no idea about motor insurance, and
would appreciate any advise.


Many thanks in advance.

Sunday, December 3, 2006

Another

Another hint you'll find on that site is to get student insurance (up to age
29). You sign up at a college (community college is fine) for full time
(they consider 9 credits full time) for one semester (at least 31 days) and
you can get student rate insurance. You can then continue the insurance
after the semester is up for as long as you want without ever re-enrolling
for courses. It seems there is no upper age limit once the plan is in
effect.

Wednesday, November 22, 2006

Boston Finance Commission

Within sixty days after the passage of this act the governor with the
advice and consent of the council shall appoint a finance commission
to consist of five persons, inhabitants of and qualified voters in the
city of Boston, who shall have been such for at least three years
prior to the date of their appointment.

Insurance Hikes?

The insurance company can raise the rates for as much as the traffic will
bear.. What is the reason for the question..Assuming that the company raised
your rates.. by how much ?

Insurer’s Business Model

Insurers make money in two ways. Through underwriting, the process through which insurers select what risks to insure and decide how much premium to charge for accepting those risks and by investing the premiums they have collected from insureds.

Tuesday, November 21, 2006

The Bush Legacy: Number in Chicago without health insurance hits 22.7%

The number of people in Illinois without health insurance is up for the
second year in a row, to 15.9 percent, says a new report by researchers
at the University of Illinois at Chicago.

In Chicago, the proportion is much higher, 22.7 percent. In the
metropolitan area, it's 12.8 percent.

"You walk into a doctor's office, and they say you need a 45-minute
procedure and it will set you back $40,000," one Chicago man told the
Gilead Outreach and Referral Center, which commissioned the study.

Sunday, November 19, 2006

Principles of insurance

From the point of view of the insurance company there are four general criteria for deciding whether to insure events or not. 1. there must be a larger number of similar objects so the financial outcome of insuring the pool of exposures is predictable. Therefore they can calculate a "fair" premium. 2. the losses have to be accidental and unintentional from the point of view of the insured. 3. the losses must be measurable, identifiable in location, time, and be definite. They also want the losses to cause economic hardship. That is, so the insured has an incentive to protect and preserve the property to minimize the probabilty that the losses occur. 4. the loss potential to the insurer must be non-catastrophic. It cannot put the insurance company in financial jeopardy.

Auto Insurance Rates

Allianz is a global insurance enterprise worth over a trillion dollar, some
of which was stolen from the Jews of Europe during the Nazi holocaust.
Allianz insured the Jews and then cancelled their policies after
Krystallnacht. Jewish executives of Allianz were sent to the gas chamber but
never the less, Allianz managed to turn a profit by sale of insurance
policies on the death camps to the Nazis murderers.

Allianz Insurance Co. of Canada

Allianz is a global insurance enterprise worth over a trillion dollar, some
of which was stolen from the Jews of Europe during the Nazi holocaust.
Allianz insured the Jews and then cancelled their policies after
Krystallnacht. Jewish executives of Allianz were sent to the gas chamber but
never the less, Allianz managed to turn a profit by sale of insurance
policies on the death camps to the Nazis murderers.

Saturday, November 18, 2006

Using technology for protection, insurance

We spend an important part of your life trying to build a home. The thought that all could vanish in just a second is terrifying and people do all they can to protect themselves and their environment. Purchasing a home insurance policy grants a certain degree of protection and this is why more and more people choose to do buy it.

Is there a price to put on one’s life?

Some people say that you can’t put a price on your life. But when it comes to leaving something behind, a life insurance policy is a thing one should consider. This kind of policy ensures the financial interests of the beneficiary in the event of the insured’s death.

Blue Cross Blue Shield health insurance

Blue Cross Blue Shield health insurance plans can be custom made to accomplish the requirements of every person, together with individual, family and group.There are also supplementary plans for seniors to complement medical care coverage as medical care doesn't cover the whole thing and seniors have to compensate prescription medications.It is fine to be familiar with all Blue Cross Blue Shield health insurance plans cover some prescription coverage for formulary and non-formulary medications.