• Why you can get the serious consequences without health insurance

    Why you can get the serious consequences without health insurance...

    Many lives have been destroyed by not being covered by insurance. If this sounds like a warning, it could very well be a revival. In our modern world, we need laws for protecting ourselves and others. Auto insurance laws is a good sample. Other instances without insurance could be catastrophic if you do not have homeowners insurance, life and medical insurance. Each of us wants to live a long healthful life. Read...

  • A life insurance policy is your support in stressful life

    A life insurance policy is your support in stressful life...

    Safety is a pillar of our life. This is so because life in danger is not really life, and we do not need danger in its overall meaning. Your health may be at risk, your finances and your life can be too. All that can go wrong in a second. Of course, we do not want to think or imagine that, but we’ll do it for a second. Read...

  • How you should choose a pet insurance coverage

    How you should choose a pet insurance coverage...

    Get a pet insurance for your four-legged friend is something you need to consider whether you want to avoid huge unexpected vet bills in the future. This research will help you choose the insurance plan for your pets. When shopping for pet insurance to compare the best insurance pet care among all the plans out there, you need to know what to look for. You certainly want to find the best insurance for your pets well-loved, and there are many...

  • How renters should buy home insurance

    How renters should buy home insurance...

    As a homeowner you need to buy insurance when you take possession of your house. You buy because the insurance will defend you against the costs undergone by acts of nature and man. Things like a new roof, repaired basement or other harm are costly and you need a blanket. Insurance will help you with other events such as theft, fire and injury. Most insurance companies that sell insurance for owners will also sell home insurance to people...

Is your multi-car policy costing you more?

If you’ve got more than one car, then it might seem obvious to go for a multi-car policy, but this may not always be the most cost-effective route. According to research by swiftcover.com some two-car households could save money by insuring their vehicles separately, rather than going for a multi-car policy.

In fact, analysis by the insurer found that a household insuring both a BMW 318 and a Ford Focus could save £258 by insuring the two vehicles separately.

So even if your insurer is offering what seems like a really competitive discount on your home’s second car, it still makes sense to compare car insurance prices online first to see if you can find a cheaper deal.

After all, premiums can vary hugely between different insurers, depending on the car you drive and whether or not the provider wants to attract drivers like you.

Sarah Vaughan, a spokeswoman for swiftcover.com, said: “It’s easy to assume that multi-car discounts must offer the best value, but it’s clearly not the case for everyone.

Read more…

17 Apr, 2011  Posted by Mariam Rosa  
Tags: Policy, Policy Costing
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Claim example: lymphoma in 3 year old mixed breed cat

Continuing on with our look at cancer in pets, here is a series of treatments for Coney, a 3 year old (when diagnosed)mixed breed cat, with Anterior MediastinalLymphoma (which is a lump in the chest cavity).

Coneys policy has a $500 annual deductible and a 35% copay, plus a $10,000 annual maximum, which keeps the premiums down (around $10 a month)butthe total claim payoutis about half the cost. If hed had a 20% copay (premiums around $13 a month), the payout would have been $542 higher ($2,888.76).

Thats why I always encourage the lower copay if you can afford it – it reduces the variability of your costs if you have big claims.

You can see that Coney had her initial treatment from August 2008 through toApril 2009.She tolerated it well and only had her whiskers drop out, which is common for a cat on chemotherapy.

Read more…

16 Apr, 2011  Posted by Mariam Rosa  
Tags: Breed Cat, Cat, Mixed Breed, Mixed Breed Cat
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Fun Friday: A Day in the Life of Daxter

Every now and then, we take a break from the serioustopics of pet health and pet insurance, and we open the blog to some doggy fun. Heres Daxter the dog to tell you about his typical day…

6:10 AM: Zzzzzzz…

6:20 AM: Zzzz…!! Okay, okay, Im up! Sheesh, no need to yell. Just for waking me up so abruptly, Im going to whine and paw at the door like Ive been waiting to go outside for hours… mwahahaha…

6:21 AM: *whine* Let me out, let me out, let me out, let me out, let me out, I need to gooooooooooooo!

6:25 AM: Okay, Im done. You can let me back in now. After all, its food time! Whoo! And stop glaring at me, Harry. Youve got your own food bowl right there.

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10 Apr, 2011  Posted by Mariam Rosa  
Tags: Daxter
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Claim Example: b cell metaplasm (rectal tumor) in Dachshund

In my previous post, I mentioned Maggie, the 2 year oldDachshund, who was treated for a rectal tumor and the fact that she is still alive at age 5 and well enough to have her teeth cleaned.

I thought you might be interested in the details of the cost of her treatment back in 2008.

Thats surgery to remove the mass and 6 months of chemotherapy totalling $8,038.05.

Maggie has not had any claims since these treatments until she recently had her periodontal work done in March 2011.

Maggies policy has a $500 annual deductible, 10% copay and a $10,000 annual maximum and drugs/dental coverage was included. Her premiums have ranged from $21 a month back in 2007 to $32 a month in 2011.

What do you think?

Read more…

07 Apr, 2011  Posted by Mariam Rosa  
Tags: Dachshund, Rectal Tumor
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The hidden cost of speeding convictions

We all know that if you get caught speeding you can expect to pay a fine, but do you know how much a speeding conviction can cost you in the long-term? Driving above the speed limit obviously puts other road users and pedestrians at risk, but it can also have a major impact on your car insurance premiums, according to moneysupermarket.com.

Its research reveals that drivers caught speeding could see the cost of their insurance premiums soar by as much as 54%.

Whether you’re someone who has already been convicted for speeding, or you’re simply looking for ways to lower the cost of car insurance, we take a look at some of the ways you can reduce costs – as well as the financial impact of having points on your licence.

Points don’t mean prizes

A driver with six points on their licence could expect to pay 19% more for cover than someone with a clean licence.

Read more…

02 Apr, 2011  Posted by Mariam Rosa  
Tags: Speeding, Speeding Convictions
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Focus on: New car insurance for young drivers

While the fuel duty reduction announced in the Budget may have brought some relief to young drivers, for many the cost of motoring remains unaffordable due to steep insurance premiums. Motorists in their teens or early twenties pay substantially higher premiums than older drivers because they are considered higher risk by insurers. According to the Driving Standards Agency, in the UK, an 18-year-old driver is more than three times as likely to be involved in a crash as a 48-year-old.

But now The Co-operative Insurance has become the latest insurer to launch a policy specifically for young drivers, which promises lower premiums if the policyholder can demonstrate that they are responsible on the roads.

Here, we look at how the policy works and whether it could be right for you…

Read more…

25 Mar, 2011  Posted by Mariam Rosa  
Tags: Drivers, Young Drivers
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Insurance leads: not all leads are created equal

It is important that you go into using insurance leads with realistic expectations. Some leads will turn out to be better than others, and depending on how you speak to your customers, you will have varying degrees of success.

Some things you should be aware of:

Ask for pertinent information. Sometimes a potential client might enter the wrong phone number or some incorrect data that affects the quote. If a client has entered fake information, you can get a refund for those leads.

Read more…

24 Mar, 2011  Posted by Mariam Rosa  
Tags: Insurance Leads, Leads
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