Senin, 21 Januari 2008

How To Get Free Online Health Insurance Quotes From Multiple Companies

You are reading this article because you want to have free online health insurance quotes from multiple health care companies! You don't want the hassle of going to the offices of individual agents and provide same information again and again. You want to avoid this hassle.
Thats all possible. Thanks to Internet. It has really opened the avenue of getting multiple quotes from top companies a whole lot easier. Just few clicks of a button and the competitive rates are available for you.
To begin with you need to make a decision, whether you want to go to a specialized website that gives quote from a single company or do you want to go to website that can gather your information and then pass on to multiple companies so that you can get good rates from all these companies at the same time without repeating your information to them?
I suggest, go with the later. Provide your information only once and let the website send it to all the companies. This will save your time and will make your work easier.
This leads to another question - Which website should you choose? The one that takes your information to all the insurance companies irrespective of their reputation or should it be the one that sends your info to only top-notch healthcare companies? Of course the later. This is most important when you go for free online health insurance quote. you don't want to run in some scamming companies. There are lots of like these outside.
Once you have selected the applicable website, its now the time to enter the information that is needed to get your free quote. Entering this info doesn't take more than 5 min.
Thats it..Congratulations, you are on your way to get some interesting and competitive health insurance quote online for free and that too only from the companies that are reputed in the market.
Rahul Gupta is expert in Health Insurance and has assisted a lot of people in getting good health insurance rates. To get more tips on free online health insurance quote

Apa Itu Asuransi - Info Asuransi - Artikel Asuransi

Apa itu Asuransi dimana Asuransi adalah sebuah sistem untuk merendahkan kehilangan finansial dengan menyalurkan risiko kehilangan dari seseorang atau badan ke lainnya.
Badan yang menyalurkan risiko disebut "tertanggung", dan badan yang menerima resiko disebut "penanggung". Perjanjian antara kedua badan ini disebut kebijakan: ini adalah sebuah kontrak legal yang menjelaskan setiap istilah dan kondisi yang dilindungi. Biaya yang dibayar oleh "tetanggung" kepada "penanggung" untuk risiko yang ditanggung disebut "premi". Ini biasanya ditentukan oleh "penanggung" untuk dana yang bisa diklaim di masa depan, biaya administratif, dan keuntungan.

Asuransi dalam Undang-Undang No.2 Th 1992 tentang usaha perasuransian adalah perjanjian antara dua pihak atau lebih, dengan mana pihak penanggung mengikatkan diri kepada tertanggung, dengan menerima premi asuransi, untuk memberikan penggantian kepada tertanggung karena kerugian, kerusakan atau kehilangan keuntungan yang diharapkan atau tanggung jawab hukum pihak ke tiga yang mungkin akan diderita tertanggung, yang timbul dari suatu peristiwa yang tidak pasti, atau memberikan suatu pembayaran yang didasarkan atas meninggal atau hidupnya seseorang yang dipertanggungkan.

Contohnya, seorang pasangan membeli rumah seharga Rp. 100 juta. Mengetahui bahwa kehilangan rumah mereka akan membawa mereka kepada kehancuran finansial, mereka mengambil perlindungan asuransi dalam bentuk kebijakan kepemilikan rumah. Kebijakan tersebut akan membayar penggantian atau perbaikan rumah mereka bila terjadi bencana. Perusahaan asuransi mengenai mereka premi sebesar Rp1 juta per tahun. Risiko kehilangan rumah telah disalurkan dari pemilik rumah ke perusahaan asuransi.

Kamis, 17 Januari 2008

Health Insurance - Temporary Alternatives That You Can Benefit From


ortunately there are temporary alternatives to regular health coverage plans that can offer you protection during specified periods of time till you obtain a definite solution.
Bear in mind that a temporary solution is always more expensive than a definite health insurance policy. However, there are situations that require this type of solutions while you search for a new job or a fixed health coverage policy. In any case, it is important that you know and prepare yourself for temporary higher expenses on this particular field of your budget during this period.

Temporary Health Insurance Products
Temporary health assurance products are available through regular insurance companies but you need to analyze first what kind of policy you will need. The coverage of the policy will include more or less depending on the costs. However, if you want to obtain the best coverage for the lowest price, it is a smart idea to obtain quotes on the internet by doing some research. There are many online sites offering comparisons and advice on different health indemnity policies.
What to search for? Well, first of all, look for only high rated insurance companies and among them, look for policies that have the best assurance on those fields you are more interested in. Only then search for the best price you can get. After all, this is not a regular product you can haggle about. Thus, though a good price is important, having the proper coverage is far more imperative.

COBRA Health Insurance Coverage and Its Requirements
When your job is terminated and you enjoyed the benefits of group health assurance products, you can continue being insured for a specific period of time. You will retain the same coverage you had during employment which is particularly interesting because pre-existing conditions continue to be covered while with temporary insurance products you purchase later will not cover pre-existing conditions.

COBRA coverage will only last a specific period of time. It will usually end as soon as you are hired again by other employer. As regards to the payment, you will need to afford the costs yourself since the contract with your former employer ends when your job is terminated. COBRA is sometimes more expensive than a temporary health coverage, especially if your former employer paid for a high rate policy.

What Do Temporary Health Insurance Products Cover?
Usually temporary health indemnity products cover the same risks and costs that permanent ones. Yet, there may be some fees and costs that are left aside. Mainly, the following items are always included: Emergency surgeries and procedures, physician and specialist fees, in-hospital and ambulatory treatments and other medical procedures excluding deterrent procedures. And as explained above, pre-existing conditions will most certainly be excluded from coverage as opposed to the COBRA program.

Minggu, 24 Juni 2007

Prudential insurance

Established as the Prudential Mutual Assurance and Loan Association in 1848, today we are an international financial services company with a product range which extends from insurance, pensions and retail investments, to institutional fund management and property investments.

Our portfolio of well-known and respected brands, including Prudential, M&G Investments, Jackson National Life Insurance Company and Prudential Corporation Asia, has attracted more than 20 million customers (and policy holders and unit holders) worldwide. Across the Group we have £250.7 billion of funds under management (at 31 December 2006).

We have significant operations in the UK, the US and Asia, contributing to a diversity of earnings. Worldwide we employ over 26,000 people and our shareholders number 79,881 (at 31 December 2006). We are listed on the London and New York stock exchanges.

Prudential plc logo

Prudential UK & European Insurance Operations logo and link to section
Jackson National Life logo and link to section
Prudential Corporation Asia logo and link to section

M&G logo and link to section

Top 10 Most Dangerous Jobs

Do you work in a dangerous occupation? According to the Bureau of Labor Statistics, the top 10 most dangerous jobs are:

1. Timber cutters
2. Airplane pilots
3. Construction laborers
4. Truck drivers
5. Farm occupations
6. Groundskeepers
7. Laborers
8. Police and detectives
9. Carpenters
10. Sales occupations

Do you have the life insurance protection you need?
It's a fact that some occupations are riskier than others. But no matter what you do for a living, take a look at your life insurance needs. Life insurance can help you financially protect your loved ones after you die. If you're single, and no one is depending upon your income for support, you probably don't need life insurance. But if any of the following is true, consider buying life insurance:

  • You're married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on your income
  • Your retirement savings, pension, or other cash accounts won't adequately support your loved ones after you die
  • You have a large estate and expect to owe estate taxes
  • You own a business

Calculators and worksheets are available online to help you determine how much life insurance you need. You may want to contact an insurance agent or broker who can help you determine what type of life insurance is best for you and the amount of coverage you need.

Do you have the disability insurance you need?
If you work in a high-risk occupation, you probably know how important it is to have disability insurance coverage. But don't rely on government programs such as Social Security and workers' compensation as your main source of protection. In reality, government programs pay only limited benefits under restrictive terms (e.g. you must meet a strict definition of disability to qualify).

Your employer may offer group disability insurance at low or no cost to you. But you may also want to consider purchasing an individual disability insurance policy. Although you'll pay more for individual coverage than for a group policy, you often get more benefits. And keep in mind that if you leave your job or otherwise terminate your relationship with a group, you can't take your disability policy with you, and you usually can't convert it to an individual disability policy. This means that you may be left without disability coverage when you need it most.

Shop around for coverage
Since many different types of life and disability policies are available, it's important to shop around for coverage to find a life insurance policythat meets your individual needs. Since premium costs vary widely, get quotes from several insurance companies. Just make sure you're comparing policies that offer similar benefits.

Talking to Your Parents About Insurance

Talking to Your Parents About Insurance

Are your parents adequately protected against financial loss? What if your parents' home burns down and there is insufficient insurance to cover the entire loss--can they come live with you? What if one of your parents is held liable for someone's injuries, but does not have liability insurance--will he or she be financially ruined? What if a parent becomes seriously ill and needs long-term care--will he or she have the financial resources to pay for this contingency? What if one of your parents dies unexpectedly--will the surviving parent have enough money to live on?

If you're a member of the baby-boom generation, your parents may be of an age where these concerns may be troubling you. The only way to get the answers and ease your worries is to have a heart-to-heart talk with your mother and father. This may not be easy for some people, but if you shy away from this topic, the consequences could be devastating. Your parents were there to talk to you about the tough issues--now you need to be there for them. How you choose to approach them will depend on the type of relationship you share (e.g. adversarial, open and warm). Here are some tips on how to break the ice:

Prepare for resistance
Your parents may find inquiries regarding insurance intrusive, regardless of the fact that you're trying to help. They may feel it's none of your business, or that it's demeaning for you to assume they haven't made the proper arrangements. Be prepared to explain that you're simply concerned about their well-being and don't mean to be nosy or presumptuous.

Keep it private
A discussion about insurance involves issues that are personal. Broaching the subject in a restaurant or other public setting is inappropriate. Keep the conversation private, and choose a setting where your parents feel comfortable--at their own kitchen table over a cup of coffee, for instance. Also, don't rush the conversation. Even though you shouldn't expect to finish or resolve anything during the initial exchange, be sure you've set aside enough time to comfortably address everyone's concerns.

There's safety in numbers
If you have siblings, encourage a group discussion. If your parents see that all of you feel bly, they may be more amenable to talking openly and considering your advice. If that's not possible, at least talk to your siblings about your parents' situation. Of course, if you have a sibling who is particularly good at rubbing your parents the wrong way, then perhaps you will want to exclude him or her from the discussion.

Be direct
Sometimes, the best approach is to put all your cards on the table from the get-go. If this is an option for you, find the right time and place, then just say, "Mom and Dad, we need to talk..."

The "I have a friend" approach
If a more subtle method is to your liking, you might describe an experience (real or hypothetical) that illustrates the consequences of not being adequately insured. For example, you could say something like: "Joe's father went into a nursing home a few years ago. His father didn't have long-term care insurance, so now Joe has to sell his father's house."

Discuss your own plans
Another indirect strategy is to talk about your own insurance needs or plans. Once the discussion is under way, you can steer the subject in the direction of your parents' insurance needs.

Ask for their advice
Parents are used to giving advice to their kids, not getting it from them. Start by asking them what they think you should do about a particular insurance issue. For example, you might ask if they think you should increase your life insurance now that a grandchild has been born, or drop the collision coverage on your 10-year-old car. From there, you can divert the topic to their own insurance needs.

Ask a simple question
Another "lead-in" approach involves asking a seemingly innocent question, such as: "Who is your insurance agent?" or "do you keep your insurance policies in case of an emergency?" Whatever answer your parents give will be an opening for you to ask other questions that are on your mind.

Bring in the big guns
Perhaps not during the first discussion, but at some point in time you may want to make an appointment with your (or your parents') insurance agent for an evaluation of your parents' insurance situation and needs.

Be patient
Realize that this process takes time. Your parents may need to think things over, and it may take several discussion sessions to work out all the details.

Follow your parents' wishes
Finally, remember that just because your parents have agreed to let you help doesn't mean that you can take charge and do things your own way. You should act only when and how your parents want you to.

Issues to talk about
Once you have successfully begun a dialogue with your parents about insurance, make sure you cover all the pertinent issues. Here are some you should not miss:

  • What policies do they currently have?
  • What policies do they have, but no longer need?
  • What policies don't they have, but need?
  • What are the details of their current policies?
  • Do their current policies provide adequate coverage? too much coverage?
  • How much can they afford to pay for premiums?
  • If there are beneficiaries, are the proper persons named? Have the proper designation forms been completed?
  • Who should be responsible for paying the premiums (you or your parents)?
  • Where are the policies kept?
  • Who is their insurance agent?

In addition, make sure you address each type of insurance that may be important for your parents, which may include: