• Great Advice,  Insured Driver

    Great Advice To Become An Insured Driver

    Don’t let the myriad of auto insurance choices get you down. There are plenty of options available to you as far as company and policy choices go. It helps to be aware of what you want and to read up on different companies and their practices towards their customers. The numerous tips below can be a great help in your endeavor to find the perfect auto insurance for your car.

    Do not automatically assume your rental car is covered if it is stolen or damaged in any way. Rental cars are often not covered under most auto insurance policies. If it is not covered, you can add coverage for about one or two dollars more per month to your premium.

    Let your insurance agent know that you are interested in saving money on your insurance premium – perhaps you may be eligible for discounts that you didn’t even know about. Many companies will offer discounts to seniors or to drivers who have a record of safe driving. See what you might be eligible for!

    For your service to your country there is often times great benefits, one of them is auto insurance discounts. Practically every insurance company will offer good discounts to service men and women. So if you have been or are serving our country, do not forget to mention this to the person quoting you a policy.

    Be sure to set your auto insurance payments up for payment every six months, not monthly. In most cases, insurance companies will charge a few dollars more for those individuals who pay their premiums monthly. It actually costs the company more in processing and administrative time, so go with the low-cost option and save your money.

    When it comes to auto insurance and elderly drivers, it is important to consider checking for signs that they should not be driving any more. Something that could adversely affect anyone’s driving, is the medications they use. This is important because some medications may not be suitable for operating a vehicle and this could lead to them hurting themselves or someone else. They will then end up with increased rates or even, losing their insurance altogether.

    Not only is auto insurance mandatory, but valuable. Purchasing insurance for your vehicle is a daunting task, as there are lots of options to explore. You want to shop around, perhaps by calling around using the listings in your phone book or by using the internet. Once you find a comfortable price and coverage plan for your automobile then you can be sure if you are in an accident or pulled over by the police you’re protected.

    As unpleasant as it is to think about, there are people out there who will stage accidents. In the unfortunate event that you are involved in an accident, make sure that you always call the police to the scene and take plenty of pictures of the accident for documentation purposes.

    Choices are endless and companies numerous when it comes to auto insurance. Get ahead of the game by doing your homework and knowing what it is that you want to get out of your coverage. Apply the tips from the article above for a worry free way to choose an insurance policy and company.

  • best stock

    Ratings of Ameritas Mutual Holding Company

     Ratings of Ameritas Mutual Holding Company : A.M. Best Co. has affirmed the financial strength rating (FSR) of A (Excellent) and issuer credit ratings (ICR) of “a+” of Ameritas Life Insurance Corp. (Ameritas Life) (Lincoln, NE), Ameritas Life Insurance Corp. of New York (Ameritas, NY), Acacia Life Insurance Company (Acacia Life) (headquartered in Bethesda, MD) and The Union Central Life Insurance Company (Union Central) (headquartered in Cincinnati, OH). These insurance entities comprise the life/health operations of Ameritas Mutual Holding Company (Ameritas) (Lincoln, NE). Concurrently, A.M. Best has affirmed the debt rating of “a-” on $50 million 8.20% surplus notes due 2026 of Union Central. The outlook for all ratings is stable.

    The rating affirmations primarily reflect the group’s strong risk-adjusted capitalization, diversified operating platform, high quality balance sheet and favorable business profile. The ratings also reflect Ameritas Life’s well-established market position in group dental insurance. As a mutual holding company, Ameritas has good financial flexibility with the ability to access the capital markets through debt offerings. The organization’s current financial leverage is modest, with a reasonable level of intangibles facilitating a high-quality capital base. Additionally, A.M. Best notes that Ameritas’ below investment grade bonds currently represent less than 4% of the company’s fixed income portfolio, and its non-agency residential mortgage-backed securities (RMBS) have declined in recent periods.
    A.M. Best believes that Ameritas Life’s favorable business profile should strengthen further under its unified branding strategy and improved economies of scale. Its broad portfolio of individual life, individual annuity, disability income, retirement plans and dental and vision products provide a steady source of diversified earnings. More recently, Ameritas’ earnings have been impacted by non-insurance related lines of business; however, it has historically experienced favorable operating results within its core insurance and annuity lines. Although A.M. Best expects these favorable results to continue in the near to medium term, Ameritas may be challenged to increase sales due to the sluggish U.S. economy, prolonged low interest rates and the highly competitive landscape within many of the group’s core lines of business.
    Partially offsetting these positive rating factors are the modest decline in Ameritas’ operating income, primarily driven by the results of its Calvert Investments, Inc. (Calvert) subsidiary, which in 2012 experienced a noticeable drop in assets under management. Operating results also have been negatively impacted by a lack of scale, lower-than-expected persistency and the impact of the low interest rate environment within the group retirement plans segment. While earnings increased in the company’s individual life and annuity businesses, A.M. Best notes that a significant amount of Ameritas’ interest-sensitive reserves remain at or near the guaranteed minimum interest rate, which has caused some spread compression. However, this has been offset by an increase in earnings from its variable annuity product line as a result of increased sales and higher fees associated with an increase in fund balances. Moreover, while A.M. Best views favorably the pending sale of Acacia Federal Savings Bank due to the regulatory burden associated with being a bank holding company, the pending sale has resulted in a contingent net loss of approximately $35 million. Approximately $300 million of primarily interest-only loans have been excluded from the sale and have been transferred to Ameritas’ general account investment portfolio. A.M. Best will closely monitor the performance of these transferred loans.
    Factors that could result in positive rating actions for Ameritas in the near to medium term include continued favorable earnings trends, improved operating performance at Calvert and continued overall top line growth.
    Factors that may result in negative rating actions include deterioration in the group’s operating results, material investment losses or a lack of sustained revenue growth within its core lines of business.
    A.M. Best also has withdrawn the FSR of A- (Excellent) and ICR of “a-” of Brokers National Life Assurance Company (BNLAC) (headquartered in Austin, TX). Following the reinsurance of its core dental and vision business to Ameritas Life, BNLAC will have a negligible amount of reserves and is expected to be sold (essentially as a shell) to a third party in the near term.
  • Health and Life Insurance

    Good Know Your Rights To Buy Legal Health Insurance

    Health Insurance

    Insurance companies typically try and withhold the buyer’s medical care insurance assert citing one as well as the other purpose. These types of factors could be genuine as well as unreasonable. However, as a buyer, a person below virtually any requirement to just accept virtually any determination that you simply experience can be unjust as well as with no purpose. Listed here are regions that are obviously identified, which you can use to just accept as well as deny a choice of your current insurance firm.
    Plan States

    Wellbeing plan promises is not turned down with no offering valid factors. Genuine advantages for rejecting an insurance policy assert could possibly include things like offering wrong facts concerning get older, occupation, pre-existing ailments and many others. as well as definitely not uploading this assert variety on time.

    High quality Quantity

    Although the insurance firm has the to certainly decide your quality of life insurance quality volume, the idea is not completed randomly. Just how much must be genuine as well as therefore suggestions as well as rules to be put into practice for the same. For starters, the corporation has got to send to Insurance Regulatory as well as Development Expert (IRDA), this quality computation facts once they register a certain plan. Next to your skin to show a premium Information Information on their web page. This specific graph will probably present details of plan rates based on variables such as get older, promises historical past and many others. If you’ll find substantial change rates recharged by 2 businesses while using the same sort of item, among the businesses can be overcharging as well as offering a lot of extra rewards compared to the additional.

    Cost-free Appear Period

    Throughout the preliminary 15 times when you finally obtain a plan, you can come back the idea as well as cancel this plan if you’re not satisfied as well as are actually fooled. In these instances, the corporation is bound to come back this quality right after deducting virtually any appropriate charges as well as costs. It truly is necessary to note facts such as period in the free search period within the plan report. Additionally, the corporation are not able to make use of delaying practices to accept your current plan after the free search period. In the event the corporation doesn’t handle these kind of suggestions, you can complain to IRDA.