Insurance Articles

1). Re-evaluating Surety Bond Underwriting By : Michael Weisbrot
Traditional surety bond underwriting does not allow for any losses. In other words, applicants are only suppose to be approved for a bond if the underwriter believes there will be no claims. This differs from insurance underwriting, as a loss is expected and is built into the premium. Higher risk applicants are usually declined or asked to post 100% collateral with the bond.
Article Related to: underwrite, surety, bond, insurance, bonds, claims, collateral, approved, bonding, market, conservative, premium, contracts, commercial, traditional, underwriting, underwriter

2). Ford Focus Is 'Comfortable And Versatile' By : Kwik Fit
The UK's best selling car at the moment; the Ford Focus, is a comfortable and versatile mode of transport, according to the manufacturers, who claim the latest model is longer and wider than before. With a variety of body shapes available in several trim levels, the Ford Focus costs from Ł11,395 on-the-road for the three-door 1.4 Studio model, to Ł19,200 for the 1.
Article Related to: kwik-fit, insurance, car insurance, motor insurance, ford, insurance advice, ford focus

3). Seven Ways to Use Market Segmentation at a Health Plan By : Richard Hamer
Implementing marketing segmentation is never a slam dunk and health plans have more difficulty than other firms because of their regulatory environment. But the pattern of decisions is simple when they are broken into steps. First, market segmentation research is needed to identify and define market segments. This process is fairly involved and is described elsewhere.
Article Related to: medicare, seniors, marketing, segmentation, research, analysis, positioning, new markets, direct marketing, channels, strategy, health plan, insurance, coverage, drug, medical, management

4). Can Car Insurance Be Affected By Your Bad Credit History? By : Joseph Kenny
If you have bad credit you can be denied car insurance! The protections afforded to the consumer since the Depression of 1929 no longer exist. The Financial Laws passed through Congress in 1992 allowed banks, insurance companies, investment firms to handle banking, insurance and investment operations. Laws passed after 1929 had prevented banks from.
Article Related to: insurance, car, motor, auto, difference, cover, lose, cover, claim, bad, credit, increase, premium

5). Knowing The Various Costs Of Starting A New Business By : David Gass
Explains the costs and risks involved with starting up a new business.
Article Related to: costs, new business, small business, credit, loans, insurance, bank, balance, capital, taxes, irs

6). Commercial Surety Bonds: Getting The Best Rate (Part 1 of 2) By : Michael Weisbrot
There is a great range in rates for commercial surety bonds these days. Principals can see premiums range from 1-15% of the amount of the bond. Even a small bond at 15% can be extremely costly. In part 1 of 2 of this article, we will review what bonding companies look at when deciding a rate. Part 2 of this article will discuss what you can do to better your situation to make sure you are at the bonding companies lowest tier rating.
Article Related to: surety, bond, insurance, rate, commercial bond, bonding companies, company, risk, financial, business financial statement, personal credit

7). Determining How Much Life Insurance You Need By : Stephen L. Nelson, CPA
When considering life insurance, you’re planning and preparing for an event most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family’s well-being. The Two Approaches to Life Insurance You can use one of two approaches to estimate how much life insurance you should buy: the needs approach or the replacement-income approach.
Article Related to: insurance, life insurance, financial planning

8). Removing Acne Scars And Medical Insurance By : Aurel Radulescu
The actions required in removing acne scars can be expensive. Depending on the severity and amount of scarring, multiple treatments may be needed in order to effectively minimize the lasting effects of acne. The problem that many sufferers face is finding a way to pay for removing acne scars if their medical insurance does not cover the cost of treatment.
Article Related to: acne, scar, scars, treatment, treatments, medicine, natural, scaring, insurance

9). The Need For Mortgage Guarantee Insurance By : David Gass
Explains the importance of mortgage guarantee insurance and how best to find a policy that suits you.
Article Related to: mortgage, insurance, guarantee, homeowner, real estate, payment, security, repayment, loan, credit

10). The Fear of Flying By : Joseph Kenny
There are a few fears in life that defy logic. Fear of spiders may be one, fear of lifts is another, and perhaps a fear of flying is another. Everyday, thousands of planes take off around the world, carrying millions of passengers safely to their destination. Flying is one of the safest, if not the safest, form of travel available. It is far safer than getting in the car, yet over one third of the population still report a fear of flying.
Article Related to: travel insurance, insurance, air travel, cover, policies, finance, money, travel

11). Car Insurance – How Did They Calculate That? By : Joseph Kenny
Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Insurance is a significant cost associated with the item insured and should not be rushed into. It is always a good idea to shop around for the best price available.
Article Related to: insurance, premiums, cheap, comprehensive, quotes, insurance policies, risk, car insurance

12). Secrets of Market Segmentation in a Nutshell By : Richard Hamer
Market segments consist of groups of people or organizations that are similar in terms of how they respond to a particular marketing mix or in other ways that are meaningful for marketing planning purposes. The entire field of market segmentation is based on this idea, that consumers have differing needs. They will find value in different products.
Article Related to: marketing, segmentation, health plan, insurance, medicare, drug, coverage

13). Your Insurance Premium May Be Affected By Global Warming By : Joseph Kenny
The last decade or so have not been a particularly good one for the UK insurance industry. It seems that at least once a year the UK insurance industry gets to feel the bit of a natural disaster somewhere in the world. In more case than not, environmentalist will then go on record as saying the natural disaster was avoidable, but for the fact that we are subject to ongoing global warming, which we should only expect to get worse.
Article Related to: insurance, car, motor, global, warming, climate, change, claim, bad, credit, increase, premium

14). Growing Old By : Joseph Kenny
There are a couple of things in life that we know, at some stage, we will be worried about. Growing old certainly seems to be one of them. More and more, our culture is becoming obsessed by the cult of youth. Not only are film stars and musicians young and beautiful, but increasingly, politicians and newsreaders are getting younger also. Add to this.
Article Related to: insurance, retirement, age, discrimination, activities, policy, medical, cost

15). Surety Bond Bulk Discounts By : Michael Weisbrot
Every now and then I get a call from a new client asking how much of a discount they will receive for obtaining multiple bonds. I immediately know the conversation will take a bit longer than usual, as I will have to explain what surety bonds are in order for them to understand why they will not obtain a discount for placing multiple bonds. Surety bonds are not an investment bond, rather they are a three party (principal, obligee, and surety) guarantee.
Article Related to: surety, bond, insurance, bonds, discount, rate, state, industry, performance, mortgage broker, producer, principal

16). Why You Should Consider Pet Insurance For Your Family Pet By : Joseph Kenny
If you have ever wonder about the benefits of insuring your family pet, then you may want to consider the following pointers as to why you should consider pet insurance for your family pet: 1 in every 3 family pets will visit a vet this year for treatment 40 percent of all vet fees are caused by ‘unforeseen’ illnesses or accidents less than 15 percent of family pets in the UK are covered by pet insurance the average vet bill for care and attention needed following a road accident involving a cat or dog last year was circa.
Article Related to: pet insurance, insurance, pet, animal, cheap, premium, vet, cost, policy, excess, accident, illness

17). How to Avoid Car Financing Pitfalls By : Joseph Kenny
If you are considering the purchase of your first car or even your next vehicle if you’re not a first time car buyer, you may be concerned about the prospect of financing your vehicle. This concern is not totally unfounded.
Article Related to: car, finance, loan, personal, borrow, lending, auto, insurance, purchase, cost, interest

18). Auto Insurance 101 By : Joseph Kenny
Auto insurance can be confusing for most consumers; there are so many different types of insurance and it can be difficult to determine the type of coverage you’re required to carry versus the types of coverage that you really should carry in order to protect yourself but that are not required.
Article Related to: auto, car, motor, insurance, liability, premium, cost, payments, cover, damage, claim

19). Eight Rules for Saving Money When You Buy Insurance By : Stephen L. Nelson, CPA
By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies. Rule 1: Buy Insurance Only for Financial Risks You Can’t Afford to Bear on Your Own The purpose of insurance is to cover catastrophes that would devastate you or your family.
Article Related to: insurance, financial planning

20). Life Insurance – 66% Of Applicants Face Loaded Premiums By : Michael Challiner
If you're lucky, you'll get a life insurance quotation that you are happy with, progress to application, and get yourself insured within 48 hours at the original price quoted. Unfortunately this isn't the case for 66% of applicants - who face delays and loaded premiums. So why is this happening? Well, life insurance companies provide quotes based on the ‘perfect person' – which basically means you must be 45 or under and in excellent health, have no hereditary illness in the family, work in an office and want no more than Ł250,000 cover.
Article Related to: life, insurance, loaded, premium

21). Auto Coverage Analyzer By : Joseph Kenny
Buying a car means taking a well thought out decision. However, sometimes taking a well-thought, wise decision gets difficult. This is even more so, when it involves a big investment decision like buying car and insuring it. One wrong decision and you might end up in a financial soup. Once you have already bought a car or you have owned a car for sometime now, it is time for getting it insured.
Article Related to: car insurance, insurance, policy, cover, premiums, finances, value, low cost

22). Hacker Insurance For E-Commerce Businesses By : David Gass
Explains how to obtain and differentiate between different types of hacker insurance policies.
Article Related to: e-commerce, hacker, insurance, policies, password, breach, computer, crimes, damages, small business

23). Insurance Mistakes That Will Cost You Money By : Peter J Kenny
Whatever type of insurance you are taking out, there are some common mistakes that people make which cost them money and may leave them without cover when they most need it. If you are looking at insurance then you should avoid these common mistakes if you want to be fully covered and save yourself money: Not updating policies It is important to keep all insurance policies up to date to make sure that you have adequate and accurate cover.
Article Related to: insurance, car, life, travel, pet, caravan, cheap insurance, uk, compare, quote, home, buildings, contents

24). How To Save On Your Homeowner’s Insurance By : Stacey Zimmerman
Copyright 2006 Stacey Zimmerman When you take out a mortgage on your home, the lender will require you to show proof of homeowner’s insurance on the property. The lender wants to protect their investment. However, whether or not you have a mortgage on your property or not, you should have homeowner’s insurance to protect yourself in case of loss. The biggest mistake most homeowners make when getting homeowner’s insurance is purchasing coverage they don’t need.
Article Related to: insurance, home insurance, insurance quotes, homeowners insurance, home owners insurance, house insurance, property insurance

25). Gap Car Insurance: Do You Need It? By : Joseph Kenny
What is gap car insurance and how do you know whether you really need it? Gap car insurance, like many other types of insurance isn’t necessarily required.
Article Related to: insurance, car, motor, auto, difference, cover, lose, cover, claim, premium, cost, charge