Cheapest Life Insurance

Types of Whole Life Insurance

Written on August 30, 2011 – 12:15 pm | by Admin

When taking out a life insurance, one type of policy that you may opt to purchase is whole life insurance. Whole life insurance is intended to provide coverage over the entire life of the insured individual. These sorts of life insurance policies usually offer fixed premium amounts. They also offer a guarantee of death benefits. There are several types of traditional whole life policies.

One kind of whole life insurance is a non-participating whole life insurance policy. This policy would have a level premium. The amount of the policy would remain constant for the duration of your life. Full Article…

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Deconstructing the All-Risk Policy: The Smog, Smoke, Vapor or Gas Exclusion

Written on August 27, 2011 – 4:13 pm | by Ethan Kinnear

Continuing my breakdown of common all-risk insurance policy exclusions, I turn this week, to the smog, smoke, vapor or gas exclusion. While one might think that this type of exclusion would apply only to industrial or commercial properties, it can apply to homeowners’ claims as well, and it is important for all policyholders to understand.

One common issue that arises when this exclusion becomes relevant is how to define smoke, vapors or smog. Does the term smoke include harmful vapors? Do vapors differ from smoke, especially if they cannot be seen? A clear illustration of this is found in .

In this case, employees of a wholesale grocery warehouse noticed a chemical smell and a chemical substance dripping from the floor above which was not under their control. M

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Tags: Exclusion, Gas Exclusion

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Insurance leads: How to get referrals

Written on August 27, 2011 – 6:36 am | by Sara Steel

You’re probably saying to yourself right now, “How am I supposed to get referred insurance leads from other insurance agents, many of whom I’m competing against locally?”

For one thing, the agents who recommend you might not all be local. If you’re a captive agent, you might get a referral from another agent within your company but in another state when one of his or her customers moves to your area. Or you could get referred insurance leads from agents who focus on different types of insurance.

Some tips on acquiring insurance leads via referral:

Get to know other agents in your company.

Full Article…

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Insure4USA.com Gives Advice on How Get Points Removed from Your License

Written on August 25, 2011 – 11:51 pm | by Ethan Kinnear

One of the worst scenarios motorists can face is confiscation of their driving license due to traffic violations. With almost every US state monitoring traffic violations with a point system the danger of gathering points which leads to suspension of a license is always imminent. In a recent article released by Insure4USA.com, one of the leading online insurance services in the country, the firm discusses ways that motorists can reduce points for traffic offenses and restore a better driving. However, this is does not affect penalties already levied.

According to David, spokesman for Insure4USA.com, it is important to opt for a traffic safety course.

Full Article…

Tags: License, Removed License

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