November 2015

Monday, November 23, 2015

How to Save the Life Insurance Contract

Posted by Unknown on 12:22 AM No comments

One of the most difficult tasks I know is to find and hire the best insurance, either life, car, motorcycle deaths, home ...

In this post we will try to elaborate a little on how to save the life insurance contract.

The first time we plan to have a life insurance policy, we think that we are getting older, and are not always wrong this reflection. When we are young we have other things on my mind that hiring a life insurance policy, in case of bike, our first bike. But we do not stray from the subject. Statistics say that the first time we plan to hire life insurance is when we become parents. This is where we get the great deal of responsibility to our life and begin to think more of us than ourselves.

But what good is a life insurance? The truth is that it serves to secure the future (to a small extent) of your family on your MISS. But today life insurance usually have some additional coverage that the insured you can also enjoy "living" course, as second medical opinions, advancement of part of the premium for terminal illness, etc.

But what life insurance is best? At least does the best for me and my family? That is the question. Most have similar life insurance coverage, though the difference is usually in amounts sure if the cubre- disability and death.

But as always, there is so hated "fine print" that nobody reads and then we are surprised when we need to make use of the policy. To avoid shocks and unnecessary expenses, we will see some tricks or "aid" to save the life insurance contract:

To save the first rule is also important: use an insurance comparison website. Only in this way as little effort and we are able to get an idea of the products we have on the market and be able to succeed in our choice of life insurance contract.

If still having used comparator insurance do not have very clear, it is best to consult a specialist, an insurance broker for lifetime. They will find us the best choice, advise us and help us infinitely in paperwork and bureaucracy that involves hiring.

When we choose a life insurance policy, we should not only be guided by the coverage or money assures us, but it must also think that offers guarantees and tax savings and thus a way to monetize our money. Consider life insurance as a piggy bank where to put our money, which is always protected and in many cases (depending on the company) we have available if we need it.

Hire the best insurance Younger, thus you ensure an economic premium. The same goes for health, how much better health have, the less you pay, so choose a good time to hire your life your life insurance you need.

Check whether to split the payment of the premium have a charge, the company chooses not to be applied, it will be easier payment and you will save money on unnecessary charges.

Choose exclusively coverage you need, do not be "cajoled" by "added" to the policy that all they want is fat absurdly thick hedges, knowing that never will use.

To renew policies every year have the chance to change your company and thus get some sort of discount on your policy. Note that to cancel a policy must notify your company at least two months prior to the date of the end of it, and it is likely that your company will cheapen the price to get you do not take your policy to another site.

With all these tips, and we'll be ready to choose and hire the best life insurance for us and our loved ones.

Thursday, November 19, 2015

Get Your Life Insurance Comparisons

Posted by Unknown on 12:31 AM No comments

Choosing a life insurance can be an arduous and expensive task if you do not know the tools we have today.

One of the best inventions that I know is the "comparators" and specifically "insurance comparators". So before we could take hours or even days now is reduced to about 2 minutes at best.

Comparators insurance, as its name suggests, we performed a comparative life insurance, which allows us at a glance get an idea of how the market. The comparative life insurance give us the information in the format "table" which facilitates -even more- we focus on what really matters.

But what aspects we received when we get a comparative life insurance?

Usually the aspects that affect these comparisons are -monthly price or annually, usual toppings, special coverage, amortization of capital, installments and minimum receipts ... etc.

But what have you enter data for comparative my life insurance?

Usually, getting a life insurance comparison, you are only required a few minutes of our time and enter a few details such as:

DATA OF THE INSURED

Birthdate

Sex

RISKS INSURED

Additional risks: if you smoke or not

If you practice risk profession

Why insurance contracts: mortgage cover or family cover

CAPITAL SECURED

Capital to ensure (usually recommend 5 times your annual net income).

It makes sense that the older than the cost of insurance, and similarly if we enjoy extraordinary health costs will be lower.

In the same way our lifestyle has a significant influence on the price of the premium. This could rise to hobbies such as snuff, extreme sports or certain genetic diseases.

But are reliable data from a comparative life insurance?

Absolutely yes. Best comparators receive company information in real time, but sometimes you cannot get it, in which case we will facilitate your company so we can get in touch with them and get our price. The truth is that in these cases very little is people calling, usually stay with the data of the companies listed with them and we made a decision.

Monday, November 16, 2015

You Are Lost If You Do Not Use a Comparator Life Insurance

Posted by Unknown on 12:40 AM No comments

Poof! Coming beats me life insurance and do not know whether to renew with the same company and the same policy ... it is that I start now so lazy to find something better ...

I will start by making a list of insurance companies in US, call each asking for the sales department, I have to give all my personal data, age, marital status, profession ... and above sure most are phone these premium rate, I'm going to leave a lot of money ... but anyway, I have no choice, everything is to save, they are not the times to go wasting your money ...

First I will look for the A: AXA, ... to Z for Zurich !!! Well, I think in the end I will compensate for sure that among all find a cheaper policy ... but ... have the same coverage? Because that is another ... How do I compare the coverage? How do I know which is really the cheapest and best insurance coverage? Which awaits me ... I will play up to study ... I think in the end will opt to renew the same policy that I have so far, I do not spare money, but I will save trouble and time ... if in the end they are all more or less ...

Have you heard this? Do you know someone whom you have heard it? The truth is that this situation could occur in a time before ours, we should go back a few years ago for the protagonist of our introduction was right. Obviously this was before, but before? Before there was what we now know as life insurance comparator.

Our protagonist is absolutely lost in a situation that he does not know how to face, know the steps to take but they are so expensive and time that dare not face them ... and if our hero we said we would do all that work for him ? How much do they would pay for it? It occurs to us would be happy with the idea that another work by him and certainly would not put any objections to the price being asked for it. What if we told you we will not only do the job but it's over we will not charge you anything? Sure you think where is the scam is? For there is no scam.

Some time ago there comparators life insurance are super useful tools developed to facilitate one of the worst tasks previously performed we played with some frequency. How comparator life insurance work?

Quite simply, the life insurance buyers work with databases of the best insurance companies that exist in our country. Themselves send their insurance proposals and prices comparators and these two minutes or less available to every client who want to find the best life insurance.

In record time we send all existing proposals in the market, its coverage and of course, their prices, and we have so that at a glance have more than enough information to make the best decision as to which insurance Life hire.

As the protagonist of our introduction said, finding the best life insurance has ceased to be a tremendous nuisance to become a mere anecdote in our life that robs us more than 2 minutes of our time, thanks to the figure of the comparator life insurance.

Forget about searching companies, phone 902 commercial departments and proof of insurance comparator, you start saving time but it will save you all ...

You will not regret.

Thursday, November 12, 2015

What Should You Know Your Life Insurance Policy?

Posted by Unknown on 2:17 AM No comments

What should you know your life insurance policy?

When we signed life insurance do by signing a life insurance policy. In this post we will find out what we know of that policy before signing it.

Life insurance offered to those who take the protection of people who are responsible, guaranteeing them a quality of life commensurate compensation to the beneficiaries or legal heirs in case of death and total and permanent disability of the insured.

This sum of money or insured sum usually paid once and recipients of it are the beneficiaries designated in the policy, which may be the family of the insured, partners, creditors, etc.

To decide what type of life insurance we will hire, we must analyze the needs of the family in case of death of one who generates household income. Life insurance we hire must:

- Ensure the spouse and children income for a specified period

- Ensure income for the education of children

- Cancel debt balances (mortgage or personal loans)

- Paying secured debts, such as medical, funeral, etc.

Life insurance should ensure economic tranquility to beneficiaries whose stability may be threatened with the death of the insured. Each person will choose insurance according to their needs and characteristics (age, gender, health, occupation, income, etc.). There is a safe for every need and features.

When hired a life insurance policy, the company may offer certain benefits, supplemental or additional. Sometimes, incorporating additional clauses may incur extra cost, above the main insurance premium.

Some of the most common additional coverage is: compensation for accidental death, total and permanent disability, transplantation, surgical / non-surgical interventions, serious diseases, prosthetics, kidney failure, etc.

Besides making sure that our insurance policy life has all the coverage we need, we must value the price but should not be the only important element that we value when it we are also interested to know the company, its reputation, background ... For this purpose it can serve an advisory insurance is an insurance broker. This advisor can inform us about different policies from different companies and it is important that before the insurance will inquire all the doubts we have.

To hire a life insurance policy, the insured must complete a form that requires personal and medical information, and the type of policy and the amount of the insured capital is contracted. The company uses this information to determine whether to issue the policy or not, therefore it is important that all questions completely and honestly, otherwise the cover may be affected answered. When the policy is issued, the application becomes part of it and any misinformation that has been done can lead to the annulment of the policy.

IN SUMMARY

- The recipient must know the type of policy that the insured has, any changes you make and where it remains saved it.

- It is desirable that an additional named insured beneficiary (child) if the primary beneficiary dies before him.

- The insured must select the settlement of capital to determine how capital will be paid to the beneficiary time.

- No need to hire an attorney to enforce the insurance policy.

- Most life insurance has a period of initial lack that is usually around 3 months.

- We must ensure that our policy in the beginning and end of the validity of it appears.

- The higher we will be more complicated to us to make us a life insurance.

- We must ensure if any capital reduction at a certain age or unspecified causes.

Sunday, November 8, 2015

Life Insurance, the Importance of Having a Safe

Posted by Unknown on 11:36 PM No comments

Life Insurance, the importance of having a safe

Do you have life insurance? Statistics have proven over and over 90% of deaths are occurring not because of old age, but due to illness or accident, is why it is vital to have a life insurance.

Life insurance is insurance that covers individuals against possible premature death either by disease, natural death or accident.

Death comes suddenly, because no one expected the family is also not prepared to handle the situation that follows. The problem is further aggravated if the person who dies is the member who contributes to the family income or the one that generates revenue. All personal family finances come into danger. But there is a way to get ahead in these difficult times, the life insurance policy.

Today's world moves around insurance, insurance can be a car or home insurance, we always tend to ensure the material things, but when it comes to life insurance people tend to avoid the issue.

Life insurance has been formulated taking into account the needs of the people described above. The policy has become so famous for its usefulness almost all that have dependent family acquired.

Policy life insurance object

The main objective of this policy is delivering a fixed amount of money to the dependents of the victim (who are appointed at the time of purchase the life insurance policy). This is to meet the immediate needs and maintain their life so that they can plan their future. Usually, the money given is sufficient to cover the cost of a couple of years, during which people have found alternative sources of income.

The process of buying a life insurance policy is very simple, and people who sell life insurance never difficult to explain. The policy is carried by a specific period of time, the buyer decide how long you want to acquire.
Time; along with other factors such as age and health status of the insured determine the amount of the premium paid on an annual basis. For the policy remains intact, premiums must be paid on time otherwise the policy is void.

If you are thinking of getting a life insurance policy, be sure to get life insurance quotes from several insurers so you can get the best deal for your money!

Life Insurance for Children

Posted by Unknown on 9:17 PM No comments

High emotions flow when parents and grandparents plan the future of children. If you plan to purchase a life insurance for your child, it is highly recommended to analyze the overall situation before making a hasty decision on any offer.

Insurance agents often try to sell "special opportunities" that let you add children to your policy - opportunities that claim to make you believe agents that occur only once every few years. Subjected to pressure you so you can make an immediate decision. Braun Mincer, an award-winning personal finance expert, says consumers should be wary of policies for children, especially those that disguise you with life insurance rates of $ 1 a month.

"People do not suddenly wake up thinking you have to buy life insurance," says Mincer. "Life insurance is a product that is sold and not bought. People often buy insurance because an insurance agent or salesperson approached them and convinced them that they need."

Life insurance is primarily designed to protect your family from financial disaster in the event of your death. But children have no one to depend on your income.

"The benefit of insurability is guaranteed, so that if your child is diagnosed with a serious illness later that would disqualify him for any insurance policy, and would be exempt from any provision of pre-existing conditions," he says.

"It certainly provides a nominal usually around $ 25,000 in coverage," says Mincer.

According to the National Funeral Directors Association, an advocacy group for the profession of funeral services, the cost of the funeral of a child may vary, depending on the funeral. Even with a discount, the funeral could easily cost thousands of dollars. An average family might not have the means to pay any expenses incurred. That's where life insurance can help. However, "in statistical terms, the mortality rate of children is so low that it is difficult to justify this type of insurance usually used as a tactic to insurance agents call your door, intending to sell other types of insurance policies, "says Mincer.

Many of the life insurance policy sold insurance children have the option of the insured to buy additional insurance when it comes of age. While there are cases in which a child develops a chronic disease that would make them uninsurable later in your life, the reality is that most young adults can easily get low cost life insurance.

Buy with your head, not your heart

There are other options where to invest your money they can make more sense in the long term. For example, ensure the financial security of your child by obtaining a life insurance policy that will cover enough in the event that anything happened.

If you care about funeral costs, you can purchase a life insurance policy for himself with coverage for funeral expenses of your child in case of death.

In addition, "a savings plan for college is one of the best investments you can make for your child, and also receive tax-free interest," says Mincer.

Ready to quote?

Wednesday, November 4, 2015

Of the Current Comparator Old Brokerage Life Insurance

Posted by Unknown on 8:53 PM No comments

Of the current comparator old brokerage life insurance

Years ago, when my father had to take out insurance, I used to go to the agency, where he offered insurance they knew and their coverage. They used to be impartial and advising in the highlight of each insurer. The person doing this work was known as "broker" and was an intermediary between the user and the different companies without being tied to any of them. But then it also had many insurance companies as now.

Shortly later proliferated "exclusive agents" working for a single company and the offices of the various brands began to see in our cities. Commercial insurance claims directly managed by their customers. But this would not be the future of the sector.

The uptake of insured became more aggressive and the struggle for customers became a battle of prices. The companies offered increasingly better coverage at lower prices and at this point began the low-cost and mark the second major brands allowing further open the range of possibilities.

At this point how could an agency cover and study as many proposals as they were sent by different companies? Obviously, a tool that could automate this task was becoming expensive and complicated for any insurance manager was essential.

With the advent of the Internet came the solution and passed the "old brokerage" to the current "life insurance comparator". A tool capable of performing the job in two minutes should have done that before several people within a few days of work. Compare studies and proposes the best of the best life insurance companies.

In less than two minutes, a comparator life insurance is able to offer a comparative life insurance, in table format, so that at a glance we are able to get an idea of the market supply and we are ready to choose the best life insurance.

But life insurance comparators beyond. While focusing on the aspects of the life insurance policy gives us a series of data that will help us make the best decision. We extended company information, the policy, extraordinary coverage, form of contract, and even give us the ability to contract in its own page in the online mode, which cannot be more comfortable.

The Beneficiary of a Life Insurance

Posted by Unknown on 2:15 AM No comments

The beneficiaries of life insurance, Can choose?

Around the entire life insurance policy and, in general, of any insurance are a series of figures which are usually outside the ordinary citizen prior knowledge of the undersigned.

Insured, insurer, policyholder, beneficiary and similar terms defy complete understanding of the average citizen, and since we cannot hire something we finished not fully understand, it is appropriate that we clarify some terms.

Those involved in insurance

The contract of a policy appears:

The insurer: Is the company that assumes the risk coverage of the insured.
The policyholder: Who Is effects insurance for self-employed persons and signs the policy.
The mediator is a consultant advising client on the types of insurance and coverage that suits you best depending on your personal situation.
The insured: The person which bears the risk coverage.
The beneficiary: The person who bears the benefits of the policy agreed by the express will of the policyholder.

This last figure we'll talk a little more closely.

The beneficiary of a life insurance

As already indicated, the beneficiary is the perceiver compensation in cases prescribed by the policy.

The beneficiary is often confused with the figures of the policyholder and the insured because, in certain cases, agrees. But this only happens when who hires exceeds the insured risk and receives compensation turns out to be the same person.

Prior to payment of compensation agreed with the insurer to which law has, the beneficiary must identify themselves to the insurer adequate and sufficient manner.

You can choose the beneficiary?

The beneficiary of the life insurance policy is usually close to the insured or close family death. But although most of the time this happens, we must be clear that the insured can choose anyone as beneficiary.

If you have designated a single beneficiary and he dies before or while the insured without other beneficiary has designated the compensation agreed in the policy to the heirs will pay for probate and, if no will, the legitimate successors.

At all times, the policyholder may change the designation of the person who has the status of beneficiary in favor of another (revocation of beneficiaries).

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