A Guide To Temporary Car Insurance

The UK has approximately one percent of the worlds population however the UK insurance industry is the third biggest in the world. It is the biggest in Europe, it controls seventeen percent of investment in the London stock market and employs 339 000 people, almost one third of all financial sector jobs. In 2005 seventy-two percent of all households in the United Kingdom purchased motor insurance with an average spend of 556GBP. This statistic might have something to do with the fact that Britain... Read more »

Annuities - Do Yours Require a Payout to Get Your Money Back?

What does it take to get your money out of your annuities? That is a great question. It is probably no surprise that your annuity has surrender charges. However, some annuities require even a little more than waiting that surrender period out to getting your money. What I am talking about are what are typically referred to as two-tier annuities. Let me explain. So what is a two-tier annuity? Essentially, It is an annuity that makes you go through two phases to get your money. The first phase is a... Read more »

Ways To Get Cheaper ” High Risk ” Car Insurance

Do you find yourself in the non-standard status with auto insurance carriers these days? Did you know that many factors effect this type of status not just getting yourself into trouble from drinking while driving, or more commonly known as a DUI?, or being involved in a few accidents? Others factors can classify you as a high risk driver that you need to be aware of. After reviewing these helpful tips I hope it helps you in obtaining more affordable auto insurance. Like I mentioned, there are several... Read more »

Annuities: Did My Annuity Agent Rip Me Off?

Did you get ripped off when you bought your annuity? Maybe. I often get called from people who own annuities and the first question they ask goes something like this: ‘I own a (insert annuity name here). Did I get ripped off? It’s not an easy question to answer but let’s take a look at that. Lets assume being ripped off means one of three things: 1) That you didn’t exactly get what you paid for (i.e. invested in). 2) You got something completely different than what you paid... Read more »

Auto Insurance- Why Managing Your Risk Is Vital To Lower Rates

What do we mean when we say risk? Well, we all know that when it comes to Auto Insurance, or any form of insurance for that matter, it’s about protecting you financially in the event of an accident. So with that said, think about it for a second, what does an insurance carrier think about when they take you on as being a “risk” customer? They think about ways to get you in the frame of mind to think about your actions more carefully so that you’re not a financial risk to them.... Read more »

How Long Does A DUI Affect Your Auto Insurance Rate?

When it comes to auto insurance premiums, we all have some control over how rates can affect us. You have the opportunity to assume more of the risk with higher deductibles, just carrying liability coverage on older cars, getting discounts for not receiving speeding tickets, in general just being an overall good driver. However, for some avoiding such incidences seem to be difficult so if this applies to you don’t freight, there is still hope for obtaining insurance. With all the things that... Read more »

Travel Insurance

Travel insurance is not so much an optional extra as an integral part of any break. Travel insurance is designed to cover you when things go wrong and problems arise during your travels. Travel Insurance is just as essential as your sunglasses, toiletries and camera when you’re heading off on holiday. Travel insurance is insurance that is intended to cover your medical expenses, financial losses (such as money invested in non-refundable pre-payments), and other losses incurred while travelling,... Read more »

Want To Know How To Get Cheap Home Insurance?

Home insurance is one of the few ways known to man that could protect your possessions and even your home in any given circumstance. Homeowners and renters alike invest thousands in making their home their own via possessions and furniture at the very least. In many ways, it is a good thing that we cannot predict the future, but we can protect against it just in case anything should happen. This is why a cheap home insurance policy is absolutely necessary. Home insurance does not have to be as expensive... Read more »

Annuities - Are They Better Than CD’s Or Not?

Ditch the CD’s and go for annuities. After all, annuities are tax deferred, often offer higher rates of return and are better….or are they? That is a question worth pondering. It seems like everyone all over is recommending an annuity over CD’s. Is it really because they are better….I THINK NOT!!! Now, here is the truth and it shouldn’t shock you: the number one reason most advisors recommend annuities over CD’s is because they pay better-tremendously better. I... Read more »

Dental Insurance- It Does not Need to be Confusing

One of the most prominent questions that individuals have when they take the step out of a corporate environment and into their own business is, what about health and dental insurance? So many people take the dental insurance they have for granted, as they simply make their annual or semi-annual appointments and don’t think anything of the overall cost. But, when you are self employed or considering becoming self employed, suddenly the issue of dental insurance becomes more important. There... Read more »