• 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...

Ten Things You Can Do to Enhance Your Embrace Pet Insurance Experience

Yay! You have your pet insurance policy in hand. Now what? Here are 10points we like to share onhow to havethebest experience possible in using that policy.

  1. Store the Embrace phone number on your cell phone800-511-9172 You never know when youll want to call in with questions about your coverage. Weve had people call in while drivingto the emergency clinic to check on their policy.
  2. Update your email friend listAdd Embrace to your friend list and set itto allow anything from @embracepetinsurance.comthrough.

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27 Jan, 2011  Posted by Mariam Rosa  
Tags: Experience, Pet Insurance
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NYSID Website Has New Page on Modernization Initiative

I have previously written about the Modernization Initiative. (See 12/3/2010 post.) Today the NYSID unveiled a new page on their newly designed website devoted to the Initiative. In addition to the final report of the committee looking at modernization, there is the previously announced first-ever webinar on doing “me too” property and casualty filings. Most interesting are the updates as of January 11, 2011 that are provided on that page. It is great to see some of the recommendations coming to life and being implemented.

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21 Jan, 2011  Posted by Savannah Royston  
Tags: Initiative, Modernization Initiative, New Page
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Conseco Life Insurance Blocked from Boosting Rates for Elderly Policyholders

Indiana-based life insurer, Conseco, was blocked from a plan to raise policy rates for more than 50,000 mostly elderly policyholders this week. A federal judge in Los Angeles ruled against the life insurance company that wanted to triple its rates for specific customers.

Judge Decides Increases Would Breach Contract

Conseco Insurance Co. proposed to increase its rates back in 2002 before it filed for Chapter 11 bankruptcy protection. The increases, which were to take place when its customers’ policies reached their 21st year, would have tripled some Valulife and Valuterm policies in 2010 and 2011.

With increases ready to take effect last year, a class-action suit was filed against the company, which was heard before a Los Angeles judge on Wednesday.

In the hearing, District Court Judge A. H

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21 Jan, 2011  Posted by Sofia Annois  
Tags: Elderly, Elderly Policyholders
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Booked your holiday? Protect it NOW

January is one of the busiest months for booking holidays online, but if you’re planning a break, don’t forget to buy travel insurance too. There’s always a post-Christmas rush to book summer travel and travelsupermarket.com sees a huge surge in bookings.

Indeed, according to research by Sainsbury’s Travel Insurance, a massive 13 million Brits will book holidays between Christmas 2010 and the end of February.

However, while holiday bookings increase dramatically at this time of year, there’s no corresponding surge over on the travel insurance page, suggesting that many people aren’t buying cover at the same time.

Instead, many holidaymakers leave purchasing their cover until closer to their trip, perhaps wrongly assuming that they only need it in case something goes wrong while they are actually away.

Don’t leave cover until the last minute

There’s no point waiting until you’re about to fly in order to book your travel insurance – you should always take out cover as soon as you’ve paid for your trip.

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21 Jan, 2011  Posted by Mariam Rosa  
Tags: Holiday, Holiday Protect
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Guest Post by Lea: This is your Weight-Loss Wakeup Call

Lea, one of the Embracers you may have talked with about your pet insurance policy, has been working on her dogs weight over the last few months. Here she shares her experience with you so that you might be inspired to look at your own dogs weight with fresh eyes.I know dogs pretty well. I work with them, I foster them, I’ve studied canine behavior…but I didn’t know that my own dogs were obese.

I’m not trying to guilt you if you’re already slacking on the new year’s resolution to get in shape and shed those pounds. But what better time to give you a wake-up call about your pets’ weight? Are they overweight? Obese? “More of them

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16 Jan, 2011  Posted by Mariam Rosa  
Tags: Lea, Lea Weightloss
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More Departures from VA Line?

In a recent article by Darla Mercado in Investment News, “Other VA players may follow Genworth out door” she reports on the motivators behind company decisions to leave or reduce their activity in the VA market and low interest rates lead the list. Quoting Clark Troy, an analyst with Aite Group, LLC, the article states: “If we stay in a low-interest-rate environment, I wouldn’t be surprised to see more carriers pull out of or de-emphasize the issuance of variable annuities.”

One of the factors that some analysts looked to as warning signs that carriers are scaling back VAs is the lack of product development. As someone who sees a lot of products before they get filed for approval, I was particularly interested in this piece of the analysis.

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15 Jan, 2011  Posted by Savannah Royston  
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Top wedding planning tips

Wedding fever is gripping the nation as Kate and Will prepare to tie the knot on April 29, but if you’re getting married this year, make sure it goes without a hitch by sorting out your finances first. According to insurer Weddingplan, the average cost of a wedding is now a staggering £21,000 - enough to give any couple a major financial headache. But a bit of forward planning can ensure you don’t start your life together heavily in debt. Here are our top tips on arranging your perfect wedding day without blowing the budget…

Save, save, save

As soon as you get engaged, start making regular savings into a high-interest paying savings account.

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12 Jan, 2011  Posted by Mariam Rosa  
Tags: Wedding, Wedding Planning
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