Dec 12

Find The Right Insurance Agent Today

The person who acts as your insurance agent is responsible for finding health, life, auto, and home policies that fit your budget and lifestyle needs. There are innumerable providers and independent representatives out there, but you have to be selective about who you choose for help. The right individual will be aware of all the latest trends in the industry. Besides that, though, this person will also be capable of explaining your policy options and obligations in a way that is easy to understand.

The first thing you might want to do when looking for a friendly and informative insurance agent is to ask around. Your neighbors, family members, and coworkers are great people to ask. After all, these people are real policy holders that have a genuine interest in seeing you find the appropriate coverage. The kind of people you will want to consult for recommendations will also have to do with what type of policy you want to obtain. For instance, a healthcare provider would be a good person to advise you on medical and dental polices. By that same token, an individual from your neighborhood homeowners association might be able to refer you to an agency that offers great rates on home policies.

Once you have a few different agencies you’d like to consider, do a bit of research on each company or broker. An insurance agent needs to have certain credentials in order to provide you with the best customer care. The most reputable ones even belong to professional organizations and hold special certifications. When researching such a competitive industry, it is worth the extra time spent to find a broker that stands out among all the others. This is the type of person that will be eager to go the extra mile for

Dec 11

How To Get Medical Insurance For A Surrogate Mother

Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and

Dec 09

The Health Insurance Policy Puzzle!

The first time you beginning shopping for a health insurance policy be prepared for a shock. Why! There are just so many different choices and the vocabulary of health insurance is almost like a foreign language.

First of all, how do you choose the best policy? Surprise! There is no “best” health insurance plan. Each policy has its pros and cons. A policy that’s perfect for a single person may be a disaster for a family with children. And to cloud the issue even further the plan that works for one family may not be a good fit for another family.

Here’s an example: If there are just two adults in your family it may cost less for each of you to have an individual policy rather then the two of you have a family plan.

If you have children, or you are planning on children, there is no doubt that you will need a policy that will cover everyone.

Selecting a health insurance plan is just like making any other major purchase. First you do a little research so you have some basic knowledge about health insurance. Then you start shopping and asking questions until you find the plan that meets both your needs and your budget.

Your basic challenge is deciding which plan is worth the cost. Just remember, plans that allow you the most choices in doctors and hospitals also tend to cost more than plans that limit choices.

Plans that help to manage the care you receive usually cost you less, but you give up some freedom of choice.

Cost of the plan isn’t the only thing to consider when buying health insurance. Carefully review what benefits are covered what ones are not. It’s important for you to compare plans for both cost and

Dec 08

Commercial Trucking Insurance Cargo Protection Policies

Along with the necessary policies that must be purchased for minimum commercial trucking insurance coverage, there are also some additional policies designed to protect your cargo and freight while hauling it. It only through purchasing complete coverage that you can protect yourself from the full array of damages that could occur in an accident.

Cargo Insurance

The basic commercial truck insurance policies only cover the actual truck and driver in the event of an accident. In order to fully protect yourself, you must also realize that other parts of your business need coverage. The most obvious piece of coverage is cargo insurance.

Cargo insurance protects not only the freight that is being shipped in case of a spill, but also the damage that this could cause to other drivers. Sometimes, the cargo is actually the most dangerous element of the truck to fellow motorist on the road.

Purchase cargo insurance if you want extra protection for your freight or if you carry particularly dangerous materials that could be a hazard to other drivers.

Aggregate Insurance

Aggregate is a special blend of rock, dirt, concrete, gravel and asphalt used in construction. This haul tends to be relatively cheap and very durable, so it is not as difficult to insure. Aggregate insurance, or aggregate haulers insurance, is designed to be less expensive due to the nature of the cargo. It is understood that aggregate must be properly transported in a closed container, but at the same time there is very little potential damage from an accident. Whereas a driver carrying wood, cement or glass could damage their cargo in an accident, aggregate haulers can basically just scoop up their lost cargo if an accident were to causer spillage.

General Freight Insurance

General freight insurance typically cover somewhere between $10,000- $100,000 worth of

Dec 07

Be Safe With Professional Indemnity Insurance For Architects

Professional indemnity insurance for architects is truly a boon. Architects design buildings, if there exists a design mistake resulting in a substandard building, the damages might be tremendous, possibly running into a lot of money. In the absence of insurance protection, the designer cannot afford to pay for such enormous claims. When architects are protected by such policy cover, they’ll be able to function in a stress free environment. Also the customers are more confident about assigning development work of the buildings with the confidence that should something go awry, their rights will undoubtedly be looked after by the insurance agencies. In addition, professional indemnity insurance for architects is also essential based on the laws of the United Kingdom.

Tips to Get the Ideal Indemnity Insurance

The Architects Act 1997 recommends that architects must have a minimum indemnity protection of 250,000. The actual level of indemnity depends on the nature and type of work architects implement. To determine how much is sufficient, one must look at the business circumstances and make a decision properly. It is best to get a specialist’s advice to ascertain the indemnity limit. Reputed and reliable insurance plan agents help in assessing these requirement. One must take into account the following points while you are choosing the limit of indemnity insurance.

* Type of design work undertaken and the approximate budget of each project
* Total annual income of the firm
* Limit of the indemnity cover desired
* Amount of risk involved
* Parallel risks, if any
* Future implications

Advantages for Architects Covered Under Indemnity Insurance

A client with a mega project will think twice before handing over the work to an architect. Professional indemnity is one of the many aspects that clients evaluate before handing over a

Dec 07

Secure your business with commercial insurance policies and products

Nobody knows about the accidents and incidents that may affect their lives badly. Insurance is one of the best ways to protect yourself from these kinds of things and save you as well as your assets in a curt manner. It is a kind of contract or bond offered by many companies in which people pay a lump sum to get protection or leverage against any loss. In this, you pay premiums for your insurance and risk management. It is the simplest way to secure your life and your valuable assets. Nowadays, there are unlimited companies present in the marketplace that provides these kinds of services to people at very nominal rates. You can take assessment of internet to find the leading insurance company to get insurance for all your belongings as well as your business.

They are more reliable and trustworthy for supplying excellent services for personal as well as commercial insurance products. They are mainly based in Calgary state and serves nearby region well. With years of experience, they have earned reputation and popularity among their clients and customers for availing tremendous insurance and other related products. They strive to offer a 100% satisfaction to all their valued clientele associated with them. They provide assurance that you will get the best ever value for your things as compared to today’s market.

Our team is full of experts and professionals who have years of experience in the industry. There you will be advised and directed with qualifies and well trained people regarding your insurance plan and will also help you in choosing the well suited insurance bond for you as well as for your commercial Insurance Calgary. They are backed by with some of the respected and largest insurers based in Canada and supply amazing and pleasant

Dec 06

Whole Life Insurance Explained – A Brief Education

Dealing with death at any stage of life is not something anyone wants to do. This makes most reluctant to even think about life insurance, but this could be a mistake. You will want your family to be provided for in the event of and beyond your death and the only way to do this is to prepare for it in advance.

The easiest way to leave your family with savings and to pay debts and funeral expenses is to provide them with a life insurance policy. You will have the choice between a number of different life insurance policies and you will need knowledge to determine which is right for you. This short education on whole life insurance is intended to enlighten and empower you to protect your future.

Whole life insurance explained:

Whole life insurance is a type of insurance that will last the whole of your life. Many young people would benefit the most from this type of policy since the premiums are considerably lower the younger you ar. Term life insurance will only last you for a certain fixed period and will have a specific death benefit, fixed premium, and term.

A term life plan generally carries a higher death benefit but you will have to prove that you are medically insurable at the end of the term. The end of the term is usually 20 to 30 years later when you will be much older and possibly in bad health. If you renew one of these policies your premiums will also be readjusted for your age if youre still insurable.

A great alternative to these fixed policies that will expire is a whole life insurance policy investment. You will earn interest on the premiums you pay and a portion of the premiums are put into a cash value savings and

Nov 30

An Overview About Travel Insurance

A desire to travel is manifest in all with the purpose varying from person to person and family to family. It can be for business, leisure, get together, sight seeing, meeting of relatives & wards, trade meets, conference, and the list goes on. Not every traveler is insured with a travel insurance coverage. Travelling to any location can be an exhilarating experience worth cherishing for life if no risks are encountered during the entire trip. But inconveniences do strike, and many fall victims to sickness, accidents, loss of passports, loss of baggage, delayed baggage and related paraphernalia. If the traveler is insured with a travel insurance policy, such hassles are taken care of by the insurer. Medical expenses in a foreign land may prove an exceedingly expensive affair for one and it is travel insurance plans that free the traveler from the worries and expenses related to the entire trip.

Travel insurance plans differ in premium, validity and benefits offered. Travel agents, insurance brokers, besides insurance companies offer these plans. You can choose a policy for a single trip or multi trip as per your preference. There are also certain travel insurance coverage plans for senior citizens and for those who travel in the Asian region. If you are an Indian, you will have to buy travel insurance India. One platform worth mentioning where thousands of customers are satisfactorily availing travel insurance services is eindiainsurance. Well, this online destination is not an insurance provider, it facilitates you in choosing from an array of travel insurance plans offered by different travel insurance companies in India. This portal enlists companies like TATA AIG, Bajaj Allianz, ICICI Lombard, Reliance, Future Generali, Apollo DKV, Iffco Tokio, Cholamandalam, amongst other companies. The briefs of every policy are described in the site. You can get

Nov 29

Purchase A Medical Insurance Policy And Say Goodbye To Exorbitant Medical Bills

Did you know that people in India spend nearly 15% of their earnings on medical bills? And almost 90% of them are uninsured which means they dont have a health insurance to cover their medical expenses. If you are daunted by high medical experiences then act wisely and purchase a medical insurance policy as early as possible. According to the terms of mediclaim policy India, your medical expenses will be covered if you are admitted to hospital for more than 24 hours. All costs including that of surgery, medication, doctors fees, hospital stay and ambulance charges will be covered by the mediclaim policy. This also covers your post-hospitalization charges for a month or two depending on the type of insurance policy.

Who offers mediclaim policies in India?

Mediclaim policies are issued by general health insurance companies. Since there are a number of companies providing insurance policies, choosing the cheapest and best can be a bit tricky. Refer to online resources and compare the quotes of various companies before you choose the cheapest but the ideal medical insurance policy available in your area.
There are two main categories of mediclaim policies. They are:

Family floater mediclaim insurance:

In this type of insurance plan, all the members of the family get coverage under one premium settlement. This insurance is offered by a majority of insurance companies. The basic eligibility criterion for this insurance requires that the members of the family should be aged between 3 months and 55 years.

Group mediclaim insurance:

This type of insurance is slightly different from the family floater insurance. In the group mediclaim insurance, a group of individuals gets covered by one insurance policy. It is very similar to the policy offered to employees by private firms in which employees, their spouses and

Nov 28

Condo Insurance Cover Water Damage Surrey Flood Restoration

Condominium insurance covers most water damage similar to home insurance. It covers water damage restoration for the damage caused by internal sources such as burst pipes, water leaks, and the like. For external sources such as floods you might get another type of insurance. However, you might be wondering if that would be covered under your strata insurance. In order to enlighten us, we will discuss the differences between condominium insurance and strata insurance. Afterwards, we will discuss how water damage can be covered by these two types of policies.

Strata insurance covers the building exterior and common property. Common property refers to the areas for the use of all the lot owners in the condominium, such as the stairwells, pathways, recreational facilities, and the like. Condominium insurance on the other hand, will cover your furniture and the upgrades that have been made on your condo since it was originally built. So what if water damages your walls, your carpets, and your floor? Which insurance covers what?

Water damage insurance coverage for this type of situation will depend on a number of factors. The first question you have to ask is: what was damaged? The second question is: is it your fault or not? The reason for you to ask these questions is because if it was your fault, then the water damage restoration will be charged to your condominium insurance if you have any. If not, then strata will charge costs to you personally. If it is not your fault, then water damage restoration will be charged to your insurance and then they will collect from the strata afterwards. In either case, you must have condo insurance first before you can have strata cover the restoration.

So if water damaged your walls, carpets and subfloor, and you were not

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