Tag Archive for Insurance

43 Articles With Advice for Borrowing Against Your Life Insurance

Whole life insurance policies, provide both a death benefit and cash value. Your monthly premium is higher, but your policy is an actual asset and will increase in value over time. The fact that your whole life insurance policy is an asset gives you a major advantage, in that it is something you can cash in or borrow against in an emergency. Of course, the death benefit will be reduced proportionately if you reduce the value of the policy by cashing in some of its equity.

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New Zealand earthquake puts home insurance in spotlight

The earthquake that struck New Zealand’s South Island this week could bring insurance costs upwards of $8 billion USD, according to Air Worldwide.

The 6.3 magnitude earthquake, which struck near Christchurch, offers a start reminder of U.S. vulnerability to such disasters, says the Insurance Information Institute (I.I.I.).

In the U.S., increasing urban development in seismically active areas, the vulnerability of older buildings, and the fact that the majority of U.S. homeowners do not have earthquake insurance could all add up to a very costly future earthquake, according to the I.I.I.

Standard home insurance policies in the U.S. do not cover earthquakes Nor do standard business insurance policies. H

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Factors for Car Insurance Rates

When a company gives out the best rate for car insurance, there are many different factors that they have calculated in to determine what type of rate that individual should have. When thinking of car insurance rates, people tend to think that the factors that an insurance company considers are generally just value of the vehicle and the driving record of the motorist. However, the company includes many more factors in their rate decisions.

Sure, the type of car is important when thinking about car insurance. Some types of cars are more popular for theft. Some types of cars have higher values, while other types cost more to repair. Read more…

Car Insurance Factors to Consider Before Purchase

It is commonplace for people to get lost in the huge number of offers on car insurance. The internet has thousands of sites that promise a lot yet disappoint after all is said and done. You can however get free quotes online that give you a chance to look into the information more seriously as offered. As you search for the best cover, there are factors that should be a guide.

The company offering the best insurance rate and its history is very important. Check the company’s profile as well as where it stands since the current economical crisis across the divide also affects insurance carriers. N Read more…

Old Caravan Insurance Explained

Insurance for caravans is a legal requirement if it’s to be on public roads, but it also makes sound financial sense. They can be incredibly expensive vehicles, and even if you’ve got an older model you could easily find the cost of replacing it too much to think about. That’s where old caravan insurance comes in, and if you look around you’ll have no problem finding an appropriate policy.

It’s fair to say that, if a caravan is more than three years old, it’s in the “old” category. But your vehicle could have seen many more years than that and still be going strong, and the good thing about its age is that it should be cheaper to insure. An older carava

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