It’s simple, always have your Life Insurance policy “Written in Trust”. This may sound technical but it is easy to understand and it’s so easy to organise. “Written in Trust” ensures that in the event of a claim, the policy will pay directly to the beneficiaries you name on the…
Knowledge is power When you are looking to make any major purchase or take out any long term insurance the first thing you should do is arm yourself with all the facts you need and this is by no means any different with your home owners insurance. Work out the…
There are two main types of life insurance that are available to everyone; there is whole life insurance and term life insurance. Many people are unaware even of the existence of term life insurance, which is a shame because term life insurance is usually much cheaper than the whole life…
The life insurance industry is becoming tougher on smokers and those of us who are overweight. When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. (Or with Critical Illness Insurance, the risk that you will become…
WHY WOULD I BUY LIFE INSURANCE OVER THE TELEPHONE? Buying life insurance will never be exciting; however, it is becoming much easier and more convenient now that many companies are willing to allow their lowest cost products to be sold over the telephone. As a consumer you have the opportunity…
The average man in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don’t hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance perform different financial roles and are…
Acquiring insurance coverage may not be as easy as you expect, especially if this is your first time. Young drivers, who were previously included in their parents’ policies, need to have their own auto insurance coverage sooner or later. There are some basic requirements such as credit card and saving…
There are no laws in the UK that require a person to have life insurance. It’s an entirely voluntary insurance. About 40% of the UK’s working population are covered by life insurance either through their own policy or via an arrangement through their employer. So the simple things first. You…
Sometimes car accidents are not the result of driver negligence. There are cases where the liability is with the manufacturer who failed to ensure a vehicle is safe before putting it in the hands of a customer. In such cases, the plaintiff must prove how the manufacturer failed and why…
Atlanta is the capital of US State of Georgia, and also the most populous city in the state in 2013. When it comes to auto insurance, residents of Atlanta is governed by Georgia’s Office of Insurance and Safety Fire Commissioner. The rules are basically similar to those of most states…