Of course, I am assuming that you are looking for car insurance rate quotes from top rated auto insurance companies like GEICO, Allstate, Liberty Mutual, State Farm and Progressive. If so, then www.carinsurancerates.me will allow you compare these top insurance providers and find the lowest rate for you auto insurance policy.
Not only can you compare motor vehicle liability insurance at competitive rates, but the www.carinsurancerates.me website also has informative sections where you can learn about auto insurance basics and how different vehicle types may impact your auto insurance premiums. Additionally, the website has a helpful glossary of insurance terms.
So if you want to use the proven money-saving strategy of getting multiple quotes without having to find multiple agents representing individual insurance companies, www.carinsurancerates.me is a website you should definitely check out.
Arizona residents, or those who planning to become Arizona residents, should check out the web page healthcareinsurance.com for Blue Cross Blue Shield health insurance. If you are looking for quality health insurance coverage, Blue Cross Blue Shield has affordable plans and offers free quotes.
Founded in 1939, Blue Cross Blue Shield of Arizona is a non-prpfit health insurance company with more than 1,500 dedicated employees throughout its Phoenix, Tucson, Tempe and Flagstaff offices. It is a leading provider of health insurance plans to more than 1 million Arizonans. They have a variety of health insurance plans for individuals, families, and businesses. They also offer Medicare supplement plans to individuals over age 65.
For a direct link to Blue Cross Blue Shield of Arizona, visit healthcareinsurance.com, your starting point for quality, affordable health insurance coverage.
If you have been reading my blog, you know that I am an advocate of shopping around to get the best insurance benefits for the lowest rates. That’s why I was delighted to find a web page dedicated to finding low cost health insurance for California residents. Instead of quoting you just one health insurance company’s rates, this insurance quote provider gives you a selection of California health insurance quotes from several of the top-rated California health insurance providers so you can shop for the best prices.
And if you are looking for domestic partner health insurance in California, this quote service can help you with that, too. Apparently, if you are in good health, you should be able to find a health care insurance provider that will allow you to add your domestic partner to your policy. This is true for same gender and opposite gender partners. So check out this web page for private medical insurance quotes.
I was looking for websites that specialize in senior life insurance and came across ProFam.com. I was impressed with their website’s simple, clean design, and their focus on life insurance for seniors. They claim to specialize in getting insurance for those who are hard to insure, which implies to me that they have experience with what is known in the life insurance business as “impaired risk”–people with health problems.
Using the website was easy. They provide visitors to their website the opportunity to request quotes through a easy to use form, and they also have a toll-free phone number for an instant quote. Those looking for rates on life insurance for seniors should be impressed with their experience on the ProFam.com website.
Having five children, I can tell you that I am always on the look out to save money. And since one of the biggest expenses for families these days is medical and dental insurance, I was naturally interested to learn about a money-saving alternative. It’s called Ameriplan®. Here’s how it works:
Unlike insurance plans, with expensive premiums and massive red tape, Ameriplan®provides affordable consumer driven health and discount dental plans starting for as little as $19.95 per month. To gain access to the 1.4 million Ameriplan® members, doctors, specialists, dentists, orthodontists, vision providers, pharmacists, and chiropractors agree to discount their services for plan members.
I investigated their program to see what type of savings I could expect. The fee schedules are based on zip code, so I entered my zip code for their dental plan. I was impressed, to say the least. I can save from 56-80% on dental services I am likely to use, like oral exams, X-rays, fillings, and teeth cleanings. The savings on braces just blew me away; should my kids need braces, instead of paying the regular $4,500.00, I would only need to pay $2,000.00.
If you are looking for an alternative to health and dental insurance, Ameriplan® is a program you should look into. Start by going to their website and researching the fees for your area.
“The circumstances of the world are so variable, that an irrevocable purpose or opinion is almost synonymous with a foolish one.” — William Henry Seward
Change happens. Children are born. Investments grow. People get older, and hopefully wealthier. The list of potential lifestyle-altering changes that can occur for any person or family is virtually endless. As you must adapt to the changes in your life, so must your life insurance plan adapt to those changes.
By reviewing your life insurance plan every three to five years, or as needed, you can redesign your plan to suit your current situation. Doing that could potentially save you money and heartache in the long run. If you become more financially independent as you get older, or if your financial responsibilities to others diminish, you can lower or eliminate your life insurance coverage and use the saved premium payments for investing or enjoying life. If you are not financially independent yet, and your financial responsibilities increase, you may need to increase your life insurance coverage so that you don’t leave those you care about with a financial hardship after your death.
“What you leave at your death let it be without controversy, else the lawyers will be your heirs.” — Francis Osborne
A trust is a legal document that establishes a relationship in which one person (trustor) transfers an asset to another person (trustee) who manages and controls the asset for the benefit of a third person (beneficiary). A life insurance trust is a trust relationship established specifically to own a life insurance policy. Having a life insurance trust could potentially benefit your life insurance plan, and ultimately your heirs. It fact, not having one could be a mistake that leaves an irresponsible beneficiary broke and penniless.
By having your life insurance trust as the owner and beneficiary of the policy you could create several potential advantages. First, you can better insure that your lost income is replaced and continues for as long as it needs to–the main goal of life insurance. Second, you can insure that the life insurance proceeds are invested according to your instructions. Third, as I eluded to above, you can prevent the life insurance proceeds from being paid in a lump sum, only to be squandered by financially irresponsible beneficiaries in a short time. Fourth, you potentially remove the life insurance proceeds from your estate, avoiding probate and estate taxes. Depending on your unique situation, thousands of dollars could potentially be saved by implementing this strategy.
A word of warning: if for some reason you decide to purchase a cash value type life insurance policy, DO NOT put it into a life insurance trust. Because a life insurance trust is irrevocable, you will not be able to borrow your cash value from those policies. However, if you follow the strategy of only buying term life insurance, you can get around the irrevocability issue. To effectively “revoke” an irrevocable life insurance trust connected to the term policy, you just stop paying the premiums.
If you feel that establishing a life insurance trust may be the right strategy for your life insurance plan, consult with with your financial advisor and an attorney knowledgeable in trusts.
“The most important secret of salesmanship is to find out what the other fellow wants, then help him find the best way to get it.” — Frank Bettger
Life insurance salesman will often quote you the lowest rate in order to get you to complete an application with them. One agent may accurately quote you a standard rate for the same insurance company that another agent quoted you a preferred plus rate just to get you to complete the application. Your actual rate will be based on the underwriting criteria of the life insurance company you choose regardless of what any agent quotes you.
You cannot get a lower cost term life insurance policy from the same company by pitting two or more agents against each other. Each company has set rates based on their underwriting criteria. If two agents quote you different rates for the same amount and term of coverage from the same life insurance company, it’s because one of them is not properly qualifying you for the appropriate rate. You may be tempted to go with the lower rate, but you might complete an application only to find out later that you’ve wasted your time.
When I got my first life insurance policy that happened to me. My agent quoted me a preferred rate that sounded appealing to get me to complete an application with her, but after submitting my application the underwriter at the life insurance company offered me a standard rate that was substantially higher. Not knowing the strategies I know today, I foolishly lowered the coverage amount and shortened the policy term to get the monthly payment lower.
Different agents represent different life insurance companies, and some agents are better (honest) at qualifying you for an accurate rate. To get the best rate on your life insurance policy, get several agents to provide you with quotes accurately based on the underwriting criteria of the companies they represent. You want to choose from the lowest *accurate* rates you can find, not the lowest rates you may not qualify to receive.
I received the standard rate on my life insurance policy simply because my father had a heart attack before the age of 50. It didn’t matter that I was perfectly healthy! However, if I had used this strategy I would have found another agent that would have shown me another top-rated company willing to offer me a preferred rate because my father was still alive, which could have saved me hundreds of dollars and allowed me to purchase more protection for my family.
“The man is prudent who neither hopes nor fears anything from the uncertain events of the future.” — Anatole France
Life insurance agents are trained to sell you add-ons to your policy. It’s a lot like a fast food attendant asking you if you want to “supersize” your meal, or if you want fries and a coke with your order. The problem with life insurance add-ons, like fast food extras, is that it’s mostly empty calories. In the case of life insurance, it’s deadly to your wealth instead of your health.
The two main add-on options are the Disability Premium Waiver and the Accidental Death Benefit rider. The purpose of the Disability Premium Waiver is to exempt you from having to pay your insurance premiums if you become permanently disabled. The purpose of the Accidental Death Benefit rider, also known as a “double indemnity clause” is to pay your beneficiary twice the death benefit amount if you die as the result of an accident. Both add-ons seem reasonable and necessary, until you consider the odds of actually needing them and the additional costs to having them.
If you are concerned about becoming disabled during the life of your policy, the Disability Premium Waiver may not be the most cost effective way to protect life insurance premium payments. The cost is simply too much for what you are trying to accomplish. Contributing those extra dollars to a general disability policy would be the best choice to pay all your expenses, including your life insurance premiums. Furthermore, if you purchase the lowest cost term policy for an adequate coverage amount, your premiums will not be a major cost.
An Accidental Death Benefit (ADB) rider could actually cost you more than if you purchased a policy for twice the coverage. For example, let’s assume a 35-year-old male could purchase a $300,000 ten year term policy for $119 per year. Let’s further assume that an ADB rider costs only $.75 per $1000 of coverage. To have the accidental death benefit rider in that scenario he would need to pay an additional $225 per year in premiums bringing the cost of this hypothetical policy to $344 per year.
Instead of spending the extra money on the ADB rider, he could have purchased twice the benefit ($600,000 worth of coverage) for a total premium of only $188 per year. In both cases, if he died accidentally his beneficiary would receive the same amount, but by eliminating the ADB rider to achieve the same benefit amount he saved an extra $156 per year.
Obviously an ADB writer is not a good value. But you will have to run the numbers for yourself to make that determination. If your agent offers you the ADB rider, ask him the cost per $1000 of coverage. Then do the math. Compare the results with a policy for twice the death benefit amount to see if it’s a good deal or not. Is it really just “a few dollars more,” as the agent will tell you?
