Types of Travel Insurance Policies

By Adriana Noton

Whether traveling for pleasure or business, it is important to consider what you would do if you suddenly found yourself in a situation where you were seriously injured or became very ill. You do not want end up in a situation where you could find yourself with an enormous medical bill or you are stranded in a foreign country with no money to get home. The perfect solution to protecting yourself and your loved ones is to purchase Travel Insurance Canada.

Travel Insurance was created to protect people when they are traveling abroad or within their own country. It is insurance that is used to cover a number of situations such as medical expenses and financial and other losses that one may incur while traveling. Travel insurance offers coverage for a variety of different types of travelers such as cruise voyages, student treks, business travel, vacations, international travel, and much more.

The following is a list of different types of travel insurance policies available:

Trip Cancellation/Interruption Insurance: This type of insurance provides coverage if an unexpected event causes you to cancel or interrupt your trip. It is designed to provide coverage for such circumstances as a sudden illness, injury, or death of the insured, or a member of the insured's family.

Medical Insurance: This includes coverage for such events as emergency medical evacuation, transportation to a hospital, treatment and medication costs, hospital stay, transportation home, etc. Compensation will go to the insurer or beneficiary in case of accidental death, loss of sight, or loss of a limb.

Comprehensive Travel Medical Insurance: This type of insurance is designed for individuals who have left their jobs and lost their insurance coverage, or for people residing and working in another country other than their own place of citizenship for an extended period of time.

Baggage Loss/Delay Insurance: This coverage protects you in the event that your luggage is lost, delayed, or stolen. This may include compensation if your bags are delayed for more than 12 hours after you arrive at your destination.

Ski Travel Insurance: This type of coverage protects you when you are on a ski vacation. It can include trip delay/cancellation, medical expenses, baggage loss, equipment theft...etc.

Flight Delay or Cancellation Insurance: This coverage provides coverage for accommodations, meals, and new travel arrangements if you are delayed for a certain amount of time, or if your flight is cancelled.

Emergency Travel Medical Insurance: This insurance covers emergency services while traveling abroad. It covers a wide range of medical problems.

Travel Document Protection: This insurance will help replace lost or stolen travel documents. It is designed to help you replace a passport or other travel documents when they are lost or stolen.

Some travel agencies and travel suppliers offer travel insurance as an option along with their travel services. You can also travel insurance from specialists in the insurance field. This includes travel insurance companies.

Acquiring travel insurance for your next vacation will make your trip more relaxing and enjoyable because you will know that you are protected. - 23211

About the Author:

Dan Pucher Insurance is an independent Broker offering personal and corporate solutions. When looking for Visitors to Canada insurance, and Canadian Health Insurance please visit us

Is Term Life Insurance No Exam For Me?

By Jacksons Cameron

Are you considering term life insurance no exam? People don't like to speak about life insurance. And that's understandable " it can be a gloomy subject. But it's also an important one.

Which policy should you choose? It depends on a lot of factors: your age, your budget, and your specific needs. To make sense of all the options, work with an insurance agent

A big choicer is term life insurance vs whole life. If you are in the market for life insurance, you may be pondering on the benefits of term life insurance vs whole life insurance. Both types have their own good and bad points, but what it comes down to is how long you want the coverage for and how much you are willing to spend on premiums per month.Term insurance is just as the name suggests: life insurance for a specific term.

Term life insurance vs. whole life insurance is purely a matter of personal preference and financial stability. Most times, those that can afford the higher premiums choose whole life and those who want to save money choose term life insurance The concept of having a life insurance policy that eventually runs out is a turn off for many, even if it is all they can afford.

term life insurance no medical exam is a good choice. Life insurance is something that almost all people know they really should have"but don't. Simply stated"people never like thinking about the possibility of their own death. However, many people can forgo this unwanted thought because of their love for their family and the desire to make sure they are financially secure in the event of some tragic event. What most cannot bypass however, is the medical exam that is typically required by the insurance company prior to issuing whole or term life insurance.

Besides the obvious reasons of convenience, there are a bunch of reasons why individuals opt to purchase no exam life insurance. Some of these reasons include spending for future burial expenses, as well as being purchased as a children's life insurance policy.In order to see if no exam life insurance is right for you, you can obtain a free no exam life insurance quote online. It only takes about a minute!

you can get life insurance quotes online in seconds. All no medical exam life insurance quotes are free, so you can little as you or as few as you wish and compare the rates to purchase the policy that best suits your needs. However, by visiting a place like 10minutetermlife.com you will be able to save time by getting quotes from all the top life insurance companies at one time. Once you find the best no exam life insurance policy for you, you can apply online.

All no medical exam life insurance quotes are free, so you can few as you or as few as you wish and compare the results to obtain the policy that best suits your needs. However, by going to a place like 10minutetermlife.com you will be able to save time by acquiring quotes from all the top life insurance companies at one time. Once you find the best no exam life insurance policy for you, you can apply online. - 23211

About the Author:

Jackson Cameron researches and writes about insurance and insurance quotes .Learn more about Term Life Insurance No Exam or get Term Life Insurance No Medical Exam

Travel Insurance Quota: Tips On How To Earn Double Your Present Salary

By Adriana Noton

As a sales person selling insurance to travelers you will want to at least meet your allotted travel insurance quote if not exceed it. The best way to achieve your objectives is to follow whatever useful tips you are able to find that should hopefully point you in the direction that will help you earn considerable amount of money. Only those sales persons that know the art of making a sale will be in a position to earn double what they normally earn. In fact, one point of curiosity for each travel insurance salesman is whether they can through dint of hard work learn how to earn in six figures.

The first step that they will need to take in order to achieve their travel insurance quota is to learn how to get plenty of appointments with targeted clients and then be sure about how to close the deal. If you are determined to meet and even exceed your quota you must understand that there is a certain kind of psychology that has to be used in order to succeed in getting customers to buy your travel insurance plans.

Without a doubt, most sales persons that sell travel insurance are known to be more confused than clear about how to improve their selling abilities. Unless the fine art of salesmanship is mastered there is not much hope of achieving and exceeding quotas set by the management. This in turn means that you must be careful that you always let your client know how much you care for their well being and that you are not just a salesperson out to make a quick sale.

This means as a committed sales person you must ensure that you bring to the client all the promises that they have read about in the company brochures and also in the billboard advertisements. You should even consider selling your travel insurance policies in the same way that a fast food restaurant makes their hamburgers or to do the same things as are applicable when manufacturing widgets.

As a person with the job of selling travel insurance it is important that you do not succumb to the pressures that your seniors will be exerting on you to make more sales and that too in the shortest possible time.

There are fortunately many effective ways to increase your sales and so you have to look beyond simply handing your business cards to clients and ensuring that you are punctual in meeting with the client. These are obvious sales methods that will help you achieve a few minor successes but will not give you that six figure salary.

What you need to do is to do things in a way that you like and which helps in closing a deal. You should even use software that will help show you how to make more effective presentations and which helps to teach you how you can illustrate the benefits of the travel insurance policy that you are selling.

Once you get the hang of it, you should easily meet your travel insurance quota and also exceed it by a wide margin. - 23211

About the Author:

Dan Pucher Insurance is an independent Travel Health Insurance Broker offering personal and corporate solutions. When looking for Visitors to Canada Insurance and information on Travel Insurance Canada please give us a call.

Green Energy Isn't Always What It Seems

By Robert Holdsworth

Buyer Beware - Using Power Factor Correction and Transient Voltage Surge Suppression to Reduce Energy Costs.

Today's energy conscious climate has motivated many to do what they can to become more efficient and conserve energy and money. Unfortunately this same climate has prompted others to take advantage of unsuspecting consumers' wishes to save energy and reduce expenses.

Companies that tout power factor improvement (kVAR correction) and transient voltage suppression are a good example of this bad trend. Lately we are seeing more and more of these companies cropping up and feel it is time to set the record straight.

First, transient voltage surge suppression (TVSS) plays a valuable role in improving power quality to protect sensitive equipment inside a facility. However, TVSS does not save energy. TVSS's are only active a tiny fraction of a second to protect against voltage surges which only last for less than a millisecond. To actually reduce energy consumption the TVSS would need to actually cut power consumption for an extended period of time which is not what they are designed to do. Again, TVSS is important to protect sensitive electrical equipment but buyers should avoid vendors promising, or even guaranteeing, that they will reduce energy consumption.

Now what about vendors who claim that improving power factor will save 15% or 20% or 30% of energy consumption and corresponding cost? This one is a little trickier.

For residential applications, power factor does nothing to save energy because the typical home already has an average power factor of about 0.97 which is almost the perfect power factor of 1 or unity. In addition, the device (called a capacitor) is placed at the main circuit breaker. According to IEEE 5.5.3.3 capacitors must be situated at or near the respective inductive loads to reduce power system losses by reducing heat and distribution losses known as I2R losses.

So what about commercial and industrial facilities using power factor correction to reduce energy costs? It is perfectly appropriate for a company that is incurring penalties or a kVA billing structure from the utility company to improve the facility's overall power factor by employing a capacitor bank at the main service entrance or individual capacitors at or near the respective motor loads. Doing so will eliminate the power factor penalties and/or reduce the kVA demand charges on the utility bill which can save significant money and provide a significant ROI on the investment.

But what about power factor correction reducing kWh consumption? IEEE also tells us that I2R losses only account for 2 to 5% of the total load in a facility. Simple math tells us that it would be against the laws of physics to get the 15% to 30% energy reduction claimed by some vendors. Think about it. Even if your facility had 5% distribution losses and you could correct 100% of the problem via power factor correction at every load (which can't be done) you would still only save 5% at the most. No where near the claims of some capacitor vendors and manufacturers.

All that said, power factor correction when done properly will eliminate utility penalties and kVA demand charges, improve facility power quality, increase electrical system capacity, and save a little energy when applied to the appropriate motor loads.

So make an investment in transient voltage surge suppression and power factor correction when appropriate and necessary. But caveat emptor! - 23211

About the Author:

Save Money On Your Company's Energy Bill, visit Energy Edge Technologies site for strategies on saving a tremendous amount of capital on your Corporate Energy Bill or call 888-729-5722 Ext. 100.

Named Drivers On A Policy

By Graham McKenzie

Everyday people are signing on car insurance policies. There is typically a substantial amount of paperwork involved and many items to read. One of the most important aspects about an automobile policy is the named driver. Essentially, a named driver is the main driver, along with any other drivers that are specifically named on the auto insurance policy. Many people run into this situation when they have more than one person in their household that can drive.

For a larger family, a named driver is a good thing. This means that each person does not have to have their own separate policy for the same car. In larger families, not everyone typically has their own vehicle. This allows for flexibility and saved money in that case.

The major downside of named drivers on an insurance policy is the extra cost that is brought about when placing them on. The insurance company sees them as a greater liability for a few reasons. The main reason is that you have just increased your chances of an accident with multiple drivers. Also, they are not as experienced or familiar with your car usually. Other factors that might raise this amount are the age of the driver and the experience of the driver. New drivers have very high rates.

A way you might be able to skirt this cost is by finding an insurance provider that allows you to put temporary drivers on the policy for a small cost. This will let you allow other people to drive your care at certain points and still be covered. This type of situation can be for vacation road trips and the like.

Keep in mind, only named drivers on a policy will be covered under the insurance policy. If you allow someone to drive your car, for whatever reason, you are responsible for them if they were to get into an accident or harm your car in any way. In this, it is best to not allow anyone that is not on the policy drive your vehicle.

To eliminate this from happing due to the cost factor, many people decide to put their younger driver on their policy instead of getting their own. This helps eliminate cost because the main driver is the experienced parent. Insurance companies, however, are catching on quickly and banning this practice in some areas.

Another way is to have the new driver?s policy in their name but put their parents as named drivers as well. The whole point of either option is to limit risk that is associated with a new driver. As we know, risk is associated with young and new drivers.

In all, it is very important that you take the time to shop around for insurance and carefully consider who you are going to be listing as a named driver. This is one area that deserves great attention because the consequences of not insuring properly can be disastrous. - 23211

About the Author:

Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading Car Insurance portal, which helps people save on their Car Insurance.

The Importance of Having Life Insurance

By Graham McKenzie

Any living soul would be wise to have life insurance. The price of a life insurance policy has some variables. Age being the largest variable, commonly a young person is less liable to pass away compared to an elderly person. Then, line of work, the way of life, medical history, and habits.

If a person applying for life insurance holds a non-hazardous job, maintains a healthy lifestyle according to what it statistically classified as being unhealthy, and carries on healthy habits.

If a person's application information falls under one of the categories that proves to the life insurance provider, the person is classified as a chance. Typically, the criteria explains the person asking for insurance takes more life threatening chances, and the rate ratio will be greater for the person that takes a lot of chances with their lives. There are several other ways to cover those left behind, financially. Another hurdle to think about would be if the type of life insurance that is being requested is the best well-being of the person that holds the beneficiary role.

The importance of having a life insurance policy is compromised only if the policy inquirer and the person or people excepting the benefits, are are not in need of money. Or if the deceased person had a separate account, just to cover final expenses.

When applying for life insurance, and there is no one elected to receive the policy upon maturity, there is no reason to purchase a policy.

When both parties in a relationship, or all partners within a business are needed to cover costs of survival, there should be a life insurance policy dedicated. When the relationship or business is indebted in some way, and an unexpected death occurs life insurance is needed.

When it is decided that life insurance is the route to take. Think of it as a financial shield to those loved ones that are going to be making funeral arrangements.

Life insurance amongst family, is usually used to cover funeral expenses and hospital bills in case the deceased was medically disadvantaged at the time of death. Any part of a business relationship that is has also developed into more, by having a life insurance policy, this will ease the discomfort of loosing a business partner, limiting the concern for paying bills, while mourning. - 23211

About the Author:

Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa's leading Life Insurance information portal

What Is Long Term Care Insurance And How To Get It

By Joe Costalo

It's difficult to watch ourselves age. It's also difficult to watch our parents age. It's even more difficult when it comes to figuring out how to help them when the time comes. This type of help can be anything from some financial assistance, a few trips to the doctor's office, or helping them find a long term care facility they - or you - can afford. Perhaps you and your parents should have considered buying some long term care insurance years ago. But what is long term care insurance?

In short, it's probably one of the best investments you can make at any age. Of course, the younger you are when you buy it, the lower your premiums. But what 30 year old seriously considers his old age and associated health problems while he's young and healthy? Not many!

As we put off buying the insurance, the premiums increase and finally, for too many of us, we learn the hard way that we will be needing some type of long term care and we either find that we have huge deductibles because we'll need to use our regular health insurance, or worse, we find out we have to pay for everything out of pocket.

Long term care is probably one of the most affordable types of insurance when you think about what you pay vs. What you get. Policies range from basic care for less a year, to a permanent facility.

The policies can be customized to your needs, or at least, what you think these needs might be. Even though it's impossible to tell the future, you can always get a good idea of what you should add to these policies simply by understanding your family's medical history. If your family has a history of coronary heart disease in their 50s, you should seriously consider the best possible coverage if at all possible. In reality, you can't afford not to.

Deciding on the type of coverage you want might take into consideration your family history. Someone whose family suffers from heart attacks and strokes might select a more in depth type of coverage than someone whose family members tend to live well into their 90s without major health issues.

In the end, you'll be glad to have this type of coverage whether it's for your parents, or for yourself. - 23211

About the Author:

Before you go out and buy a policy go to Long Term Care Insurance, ask questions and request a long term care insurance quote. We represent 20 of the top LTCi providers. This gives you tremendous options.