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Monday, April 27, 2009

Quality Life Insurance Leads

By Josh

Quality life insurance leads are out there and you can find them, but you have to know what to look for in these companies that provide the service. There are certain things to look for and some of these things might seem pretty obvious and other traits, not so much.

When you are looking at the leads themselves you should look for the company to provide a lot of information about each particular lead, meaning a lot of research. While there might be a lot of information provided, this information has to be relevant and pertinent so that the details can help you determine your approach. One of the most important aspects of a lead generation company should be that their leads are exclusive.

Just because a company seems to have life insurance leads and that their leads seem to contain some wealth of information does not necessarily mean that the company is doing their homework.

There are companies that generate fake leads for people that aren't eligible for life insurance, which would not benefit you at all. You have to do your own research to determine if a company is legit.

When using a life insurance lead generation company it is important that the leads you are paying for contain as much detailed generation as possible.

The more details there are, the better, because you need to contact your leads. If all you have is an address, chances are you are not going to be able to get in touch with your potential sale and then you are basically wasting your money and paying for nothing. If you can get a phone number, address and email then all of your bases are covered and you can approach your potential customer much easier. - 23211

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First Time Car Buyers: Car Insurance Options for Canadian Drivers

By Amy Nutt

Before you get behind the wheel of a car in Canada, you had better make sure that you are insured. Every province and territory in the country requires drivers to have car insurance, and driving without it is a costly risk, because you could lose your license as a result. Before you buy insurance, however, you need to take the time to do some research to ensure that you get the right type.

The Basic Requirements

The first thing you need to know is what you are required to have. All of the provinces and states require basic liability coverage for their drivers. This is coverage that will pay for damage you cause to someone else or his or her property. For instance, if you are involved in a car accident where you are the at-fault driver, your liability coverage would pay the medical bills and car repair bills for the other people involved in the accident. This is a common requirement in other countries.

Canadian drivers must carry an addition coverage option, because when it comes to car insurance, Canada requires Accident Benefits/Bodily Injury coverage. This coverage will take care of your medical care and any loss of income you experience after a crash, even if you are the one at fault for the injuries. In other words, if you are involved in a motor vehicle accident and no one else is liable for your injuries, this coverage will cover them.

Other Options to Consider

While you are required to have Liability and Accident Benefits/Bodily Injury coverage to drive in Canada, you may wish to have additional coverage. Neither of these Canada insurance options covers damage to your vehicle that is not caused by another vehicle or driver. They also do not cover damage to your vehicle that you caused. Natural causes are also not covered. If a tree branch fell on your car and smashed in the roof, you would be stuck paying for the repair or buying a new car without any car insurance coverage.

If you have a loan on your car, the bank will not be willing to take this risk. You will probably be forced to purchase additional car insurance for as long as you have the loan. The two additional policies that you may have to purchase if you have a loan are Collision and Comprehensive.

Damage to your car in a motor vehicle accident, even if you are completely at fault, would be covered in a Collision policy. In fact, even if you drive the vehicle into something that is not a vehicle, you would be covered with a Collision policy.

Comprehensive insurance covers non-motor-vehicle damage to your car. If your car were stolen, vandalized, or harmed by a natural disaster, this coverage would pay for the damages. That tree branch that fell on your car and smashed the roof would be an event covered by comprehensive coverage.

Considerations When Buying Coverage

When buying insurance coverage, you have to strike a delicate balance between affordable premiums and proper coverage. Some people buy too much insurance, and they end up paying more for their insurance coverage than is worthwhile when compared to the value of their car. Others buy too little insurance and end up with huge bills when they are in an accident.

How can you best determine this balance? You need to know what your car is worth. Check the Blue Book value of the car, and then compare it to the amount you are paying in premiums. If you find that you are paying close to the value in premiums over two or three years, you may wish to drop a coverage option. Put the additional money aside into a savings account, and use that money towards repairs if you end up having an accident. If you do not have an accident, use that money as a down payment on your next car purchase, rather spending thousands on auto insurance that will only provide a few hundred dollars for your vehicle. - 23211

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8 Easy Tips For Buying Cheaper Homeowners Insurance

By William Hazelhurst

No one likes paying for home insurance but unfortunately it is a necessary evil for most of us. However, this does not mean you have to pay through the nose for it though and so here are 8 very easy tips to lower the cost of your homeowners insurance.

1. Take your time and shop around. By comparing prices from a number of insurance companies you will most likely be able to reduce your premium payments by a significant amount. This might seem to be obvious, but research has shown that an astonishingly large number of people either simply renew their current policy or request just one or two quotes. Many online insurance sites automatically compare dozens of plans for you therefore making this one of the easiest ways to reduce your insurance bill.

2. Purchase your policy online. If you arrange your plan online you will often find that you can get a discount of up to 20% on regular prices because there are less administration costs involved and the savings made can be passed on to you.

3. Combine both your contents and buildings plans. A lot of insurers will allow you a discount if you take out both forms of home insurance with them and this usually works out cheaper than purchasing the two policies from different companies.

4. Pay upfront. While the vast majority of insurance companies let you pay your premiums each month many of them will charge interest for this. So, if you are able to afford to pay a full year's premium in advance, then this will work out cheaper in the longer term.

5. Don't submit claims for small amounts of money. Putting in many small claims might raise your insurance costs because your insurance company may view you as a greater risk and raise your premiums. You may also lose any no claims discount that your policy has. Of course, you're entitled to submit a claim for anything that your policy covers but you should ask yourself if putting in a small claim is worth the hassle and any consequent future increase in costs.

6. Consider arranging for a substantial voluntary excess on your plan. Policies feature something known as an 'excess' and this means that the plan will not pay for claims under a certain value. in some cases when you elect to increase your excess your premium payments will be reduced.

7. Increase the security on your home. Increasing your home security with better door locks, window locks, lighting, and alarm systems will often lead to lower premiums.

8. lower your level of cover. Many plans include benefits that you may not need like cover for personal items when you are traveling or 'free' legal advice. Study your policy and see which sections of it you really need. - 23211

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A Few Pointers To Help To Lower The Price Of Health Insurance

By William Hazelhurst

A health insurance policy these days does not have to be expensive and here we will look at just a few of the ways in which you can reduce your costs.

Sticking to a healthy life style has a great number of benefits and one benefit which is all too frequently overlooked is that of reducing your health insurance premium. Ensure that you get regular exercise, follow a healthy diet, stop smoking and excessive drinking and you can not only drastically reduce the number of doctor's visits you need to make but will also be seen to present a much better risk to the insurers.

It is also a good idea to buy health insurance when you are young as premiums vary considerably with age. Arranging health insurance at the age of 30 will not only cost you a lot less than buying the same plan at the age of 50 but you may also enjoy lower costs the longer you stay with an insurer.

You are also often able to reduce your premiums by arranging plans with high deductibles. The deductible is money that you pay towards your medical treatment and provided you are generally healthy and do not fall ill often then this may well save you money. You have to be careful though as if you are likely to require treatment, maybe because you have a history of medical problems, then a health policy with a high deductible may not be of benefit.

Looking around for a suitable insurance plan is also always to be recommended. There are a lot of different types of health insurance plan on sale these days and literally hundreds of different insurance companies to choose from which means that competition for your business is fierce. Do not simply take the first plan you come across but shop around and choose the best plan for your circumstances and which comes at a reasonable price.

Last, seek advice from an independent insurance agent. Insurance agents work day in and day out with a a very large number of insurers spread across the United States and can save you not only a a significant amount of money but also considerable time by matching up you particular needs to the insurance plans presently on offer on the market. - 23211

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Cheap Medical Insurance

By Maryann Martins

In this day and age the best place to find cheap medical insurance is by surfing the internet. It is the easiest way to get lots of different quotes from different companies without having to leave your chair! There are also sites that will compare costs with other insurance companies to see which the best cover is for you.

It is always a good plan to know where the law lies when it comes to purchasing insurance, especially when it is for your health! By law any insurance cover you chose has to be at the same price and that it is irrespective of whether it is from an insurance broker, firm or agency. However, you must also take on board that factors such as age, gender, whether you lead an active/non active lifestyle will be taken onboard and will be reflected in the end cost of your chosen insurance package.

Once you have found a site online for cheap medical insurance make sure they give free quotes, if you find sites that are charging you for this service then leave, it is against the law to charge clients for this service. Also it is very helpful to find a site which check out lots of different insurance company's. This saves you a lot of time and is a great way to find the best deal. At the same time check that the company you are signing up with continue their support throughout your health care plan, including free phone support, check this out before actually complete the process.

If you are not a computer whizz as many of us aren't don't worry, all the sites are built in the same format and are easy to understand. You will be given three stages to work through, the first being Quotes, then comparing insurance plans and finally applying online. You will need to give such information as whether you or the other family members you are including in the plan smoke or not, you will be asked for the heights, weights, gender and date of birth of everyone involved in the plan and whether or not you are working, unemployed or a student.

Once you have correctly entered the information, you will be shown a whole range of insurance plans from numerous insurers for you to chose from. Your quote should be presented like the following: company name - plan name - links to plan details and doctors - the plan type - the deductible - the co-insurance - co-pay - estimated monthly premium. You will also find that you can sort the search results for any of these different factors as well.

You will find that there are sites which allow you to compare different plans by clicking on each plans corresponding boxes. These are the best sites as they really are not only fool proof but enable you to really see what your paying for in a simple but effective way.

The great thing about searching online is that you can normally apply online as well just by filling out an online form, you can then request to have the documentation sent to you via email, post mail, or by fax. Please remember to check that the site you are using is from a secure server, to check this simply check the 'https' in the URL at the top of the screen.

Don't think that because you are not having an insurance broker visit you in your home to talk you through it that you are getting a lower level of insurance. Your online insurance is exactly the same as it would be wherever you have purchased it from, it's just a little easier and less time consuming but you will still be looked after in the best possible way and get the cover you deserve for yourself and your family. - 23211

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