• Auto Insurance,  automobile insurance,  Car Insurance,  car insurance quotes,  car insurance rates,  free home insurance quote,  health insurance,  house insurance,  insurance adjuster,  insurance information

    7 Tips On Getting The Right Flood Insurance So You Can Stay Prepared This Winter

    “Purchasing flood insurance is not something you want to rush,” notes David Beavers of the Water Damage Team. “To properly protect your investments you should take the time to properly prepare before purchasing flood insurance, as rates limits and coverage alter drastically between insurance companies. To help you prepare for your search, please enjoy the following list of tips for finding the right flood insurance.”

    1. Assess your Home’s Risk
    A nation wide insurance company stated that one third of the flood claims they get come from homes not in a flood prone area. It’s important to consider your real risk for a flood of any kind, and how high if a risk it is. Depending on your homes propensity to flood, the policy you choose should adjust to it accordingly. You can go to the governments flood site, FloodSmart.com, to get a better idea of your homes risk for flooding as well as some estimates for price ranges you should be expecting.

    2. Don’t Wait
    It takes awhile to finalize the process of getting flood insurance, and if a flood occurs during that process it’s not likely that you will receive coverage. If you are considering this type of insurance, then make sure you plan to purchase it well before flood or even rain season. Unfortunately, the majority of homes in Louisiana had no flood insurance during hurricane Katrina, and government handouts only go so far.

    3. Educate Yourself on Limits
    Before signing anything, make sure you know your home well and they type of flood damage it could incur. Then carefully evaluate your flood insurance proposal and make sure you are fully covered for any and every area of concern. While some insurance companies have limits to the amount they’ll refund you for damages, some will cover your home and it’s possessions to the full extent. Do not be afraid to ask questions, express concerns, or criticize rates and limits. This is your home, life, and family you’re dealing with so it’s okay to be a little pushy to make sure you’re getting what you want when you pay for it.

    4. Ask About Rate Increases
    No one wants to think about their rates increasing in the future when they’re first taking on a new bill, but it is important to remember that your flood insurance rates could very likely rise and you will be expected to pay the difference. Luckily, now that you know this you can take a look at rate limits for each insurance company you consider, and factor them in.

    5. Preparation is Key
    The more knowledgeable and prepared you are when choosing flood insurance, the more likely you are to make the perfect choice for you. Before going in to question agents, make a list of things you’d like to ask and know. It’s easy to get flustered and forget important things when you’re talking to a smooth talking insurance agent who knows how to make a sale. Know what exactly you’d like protected from a potential flood (just the home, or all possessions or vehicles as well?) and what your budget is. Look online before going out to et a good idea for insurance rates for your area.

    6. Ask Neighbors
    Don’t be shy to ask neighbors and friends living nearby if they have flood insurance and which company they purchased it from. Make sure to ask multiple questions from overall satisfaction, to reliability and rates. The best reviews are from the customers themselves as opposed to the company trying to sell their stuff.

    7. Do Not Rely on Handouts
    Although it’s true people living in high-risk areas have the right to government aid in a natural disaster, they aid is very limited. Very limited. If you live in one of theses areas and thus think you don’t need insurance, know that you’ll receive some help but you may lose your home and possessions in the process, as the government is not likely to replace them.

    The Water Damage Team is a nation wide disaster restoration company, with years of experience in water removal and water drying. As well as storm damage clean up, contaminated water removal, structural drying, debris removal and mold remediation.

  • Car Insurance

    Why you Need Insurance?

    You’ve worked hard to build a solid financial footing for you and your family, so you want to be sure that everything is protected. Accidents and disasters can and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.

    1. Types of Insurance You Need

    You can insure almost anything under the sun, but certain things absolutely need to be properly insured. This typically includes your life, your health, and your property.

    2. Types of Insurance You Probably Don’t Need

    While you want to ensure that you’re adequately protected, there are a lot of insurance policies that are unnecessary for most people. Purchasing the wrong insurance, or simply spending too much on insurance can do more harm than good.

    3. How Much Life Insurance Do You Need?

    This is an important question, and you may find that you don’t need any life insurance, or that you need a million dollars or more in coverage. There are many factors that need to be considered before purchasing life insurance. Find out whether or not you need life insurance, and if so, how much.

    4. Finding a Good Auto Insurance Policy

    If you own a vehicle, you need to have it insured. Auto insurance is a very competitive industry, and there are a lot of options available to you. Finding the right mix of adequate coverage at a good price can be challenging. Learn how to find the best auto policy for you.

    5. Save Money on Your Homeowners Insurance

    For many people, their home is one of their biggest assets, so it makes sense to provide adequate coverage. Unfortunately, insuring something expensive such as a house comes at a price, but there are many ways that you can save money on your homeowners insurance.

  • Travelers Insurance

    Travelers stock prices rally today

    Best Insurance Stock – Travelers stock prices rally today : Shares of Travelers Cos. rallied on Tuesday after the insurance company reported quarterly earnings that exceeded Wall Street’s expectations.

    The Financial Select Sector SPDR Fund XLF +0.41% , which tracks the performance of financial stocks in the S&P 500 SPX -0.28% , traded marginally higher in midmorning trade.   The broader U.S. stock market declined after data showed a decline in sales of existing homes in December. The S&P 500 slipped 0.3% to 1,481.

    Travelers TRV +2.63%  was the top gainer among S&P 500 financial stocks and the biggest gainer in the blue-chip Dow Jones Industrial Average DJIA +0.12% , with its shares up nearly 3%. The insurer said its fourth-quarter profit slumped 51% as it racked up millions in claims from Hurricane Sandy, which hit the Northeastern U.S. in November. Still, the results were better than expected. See: Travelers fourth-quarter profit down 51% after Sandy. Another insurer, Allstate Corp. ALL +1.76% , gained 1.8%.
    State Street Corp. STT +3.36%  shares rose 2.6% after the investment manager was upgraded to neutral from underweight at J.P. Morgan Chase, which said that the company’s new cost-savings program is expected to offset its lower net interest margin, In the banking sector, shares of Regions Financial Corp. RF +4.58%  rose 1.5% after the lender swung to a fourth-quarter profit, source : http://www.marketwatch.com
  • insurance market share

    Nigeria insurance market trends by A.M. Best Co

    Nigeria insurance market trends by  A.M. Best Co : Economic development and the demand for energy infrastructure projects has been fuelled by Nigeria’s oil and gas industry, resulting in the country’s insurance market becoming the largest in West Africa, according to a new report from A.M. Best Co.

    “Africa’s Diverse Insurance Markets Offer Growth Opportunities, Untapped Demand”
    In the report entitled, “Africa’s Diverse Insurance Markets Offer Growth Opportunities, Untapped Demand”, A.M. Best notes total insurance premium in Nigeria reached USD 1.6 billion in 2011, although insurance penetration is modest at 0.6%. The report states the Pension Reform Act, which makes pension insurance compulsory for companies employing more than five people, is likely to drive further growth in life premiums. A.M. Best considers the development of the life portfolio in Nigeria as positive for insurers’ diversification, although management teams may need to demonstrate their skills in these new areas.
    Carlos Wong-Fupuy, Senior Director, Analytics, said: “Nigeria’s non-life sector accounted for 74% of total premium in 2011, with drivers including the enforcement of compulsory lines of business such as motor third-party liability, professional indemnity, public and general liability. Motor risks make up more than a quarter of non-life premium in Nigeria. This reflects the country’s oil and gas risks, which result in very volatile growth in gross premiums written and low retention ratios.”
    The report notes the insurance market has experienced consolidation driven primarily by higher capital requirements. The financial crisis also contributed to merger and acquisition activity, as the Central Bank of Nigeria passed a directive ordering all deposit money banks to divest their non-banking interests or form a holding company structure. However, the report states Nigeria’s insurance market remains crowded.
    Source: Business Wire
  • QBE Insurance stock,  stock rating

    QBE Insurance stock prices target by Credit Suisse

    QBE Insurance stock rating prices target
    Best insurance stocks – QBE Insurance stock rating prices target by Credit Suisse : Credit Suisse reissued their outperform rating on shares of QBE Insurance Group Limited (ASX: QBE) in a research report released on Tuesday morning. Credit Suisse currently has a $13.79 (13 AUD) price target on the stock.

    QBE has been the subject of a number of other recent research reports. Analysts at Macquarie reiterated a neutral rating on shares of QBE Insurance Group Limited in a research note to investors on Tuesday, January 15th. They now have a $13.44 price target on the stock. Separately, analysts at Nomura reiterated a buy rating on shares of QBE Insurance Group Limited in a research note to investors on Thursday, January 10th. They now have a $14.74 price target on the stock. Finally, analysts at CIMB reiterated a neutral rating on shares of QBE Insurance Group Limited in a research note to investors on Wednesday, December 12th. They now have a $12.73 price target on the stock.

    Shares of QBE Insurance Group Limited traded down 2.55% during mid-day trading on Tuesday, hitting A$11.830. QBE Insurance Group Limited has a one year low of A$9.880 and a one year high of A$15.150. The stock’s 50-day moving average is currently A$13.12. The company has a market cap of A$13.936 billion and a P/E ratio of 18.28.

    QBE Insurance Group Limited
    is engaged in underwriting general insurance and reinsurance risks, management of Lloyd’s syndicates and investment management.

  • insurance stock prediction

    Insurance stock prices analysis today

    Best Insurance Stock  – Insurance stock prices analysis today : Metlife Inc stock prices analysis, Genworth Financial Inc ,  Lincoln National Corporation (NYSE:LNC) , ING Groep N.V. (ADR) (NYSE:ING) : Metlife Inc (NYSE:MET) stock is at $37.23, down-2.06 percent from its previous close of $38.20. Its today’s volume is 9.73 million shares in comparison to its usual trading volume of 8.67 million shares. The stock opened the session at $37.71 and touched its highest price point at $37.80.

    The company is on track to expand the portfolio of Americas head William Wheeler with a $2 billion agreement to takeover AFP Provida SA (PROVIDA) from Banco Bilbao Vizcaya Argentaria SA (BBVA), highlighting the potential he may be the next chief executive officer.
    Metlife Inc’s lowest price point for the session stood at $37.22, and its 52 week price range stood at $27.60 – $39.55. The company has total of 1.09billion outstanding shares and its total market capitalization is $40.62billion. Its beta value stands at 1.99 times and earning per share was $2.05.
    Previous 5 days graph demonstrated a negative move of -1.12%. MET’s quarterly performance remained green with the percentage of +7.29, while its year to date performance showed that the stock advanced overall 13.02%.
    Genworth Financial Inc (NYSE:GNW) stock is at $9.15, down-1.61 percent from its previous close of $9.30. The stock opened the session at $9.23 and touched its highest price point at $9.25. Genworth Financial stock’s lowest price point for the session stood at $9.08.

    Stocks graphical chart shows a bullish trend during its last one month’s trading session. It remained positive with 50.99% during previous three months trade.

    Its today’s volume is 8.14 million shares in comparison to its usual trading volume of 10.66 million shares. Its beta value stands at 3.15 points. Currently stocks EPS is $0.61 while its price to earning ratio is 15.11.

    Lincoln National Corporation (NYSE:LNC) opened the session at $29.15 and remained in $28.73 and $29.25 price range during the session. The stock is 2.10 percent down at $28.88. Volume closed the day at 2.61 million shares, its average volume being 2.58 million shares.

    The company has total of 275.02 million outstanding shares and its total market capitalization is $7.94billion. Its beta value stands at 2.66 times and earning per share was $1.44.

    LNC was a loser in the 5 days activity and slipped about -0.59%. The one month performance of stock was positive as it scored more than 2.74%.

    ING Groep N.V. (ADR) (NYSE:ING) traded in the range of $9.41 and $9.64 in its previous trading session. The stock recorded the volume of 2.92 million shares so far, in comparison its average daily trading volume of 1.96 million shares. The company has total of 3.80 million outstanding shares and its total market capitalization is $35.81billion.

    Company’s year to date performance remained declining as it lost almost -0.74%. If we look at last 6 months of trade that is in bullish zone with an increase of 42.08%

    The stock opened at $9.64 and its closing price for the day was $9.42, down-5.52 percent from its previous close of $9.97. The beta of the INGstands at 2.77. 52 week range of the stock is $5.51 -$10.47. (source http://otcstockpicks.net/)

    About OTC Stock Picks
    The team is among the US market leaders in connecting stocks to investors. With over two decades of market experience, the team prides itself on having the ‘pulse’ of the stock market. The company tracks over 100 different stocks with the goal of bringing investor attention to stock trading opportunities. The team is exceptional at predicting momentum-changes in stocks via technical analysis and fundamentals, and quickly relaying this information through its penny stock newsletter. The company offers investors Free Level II service and Free Real Time Stock Charts on its company website.
  • free home insurance quote,  health insurance,  insurance adjuster,  insurance information

    Pet Insurance: What You Need to Know

    Discover which pet health insurance plans are worth it to save money on dog surgery, cat vaccinations, pet medication and more

    One minute, you and Rusty are playing fetch in the yard; the next, you hear a whimper and he’s limping back to you. When you take him to the vet, you find out Rusty has a torn knee ligament—one of the most common orthopedic dog injuries. Healing it will take a $3,000 surgery. Talk about ouch.
    Expensive surgeries, treatments, and prescriptions for dogs and cats are becoming more common—so much so that pet health insurance is a fast-growing market. And as new policy providers enter the marketplace, owners are gaining more freedom to personalize and prioritize.
    The cost of a policy depends on everything from where you live to the amount of coverage you want to the age and breed of your furry friend—annual premiums for a 5-year-old Labrador can range anywhere from $200 to $1,000, for instance. But no matter how much you pay, you’ll get more value today for your premium dollars than you did a decade ago, according to Dr. Wilkerson. Here, we break down the most significant new enhancements.”Because there are more options available, you have a much better chance of finding a policy that covers what’s important to you and your pet,” says Frances Wilkerson, DVM, a Chicago-area veterinarian and the founder of PetInsuranceUniversity.com.
    Flexible Spending
    10 Years Ago: Payment was based on a schedule of benefits; that is, you’d be covered for up to a certain amount for a given procedure—say, $350 to de-quill your pup after a run-in with a porcupine—but you’d pay the remainder out of pocket, no matter how much the final price.
    Today: Several companies have opted for reimbursement plans, which many owners find easier to navigate, with deductibles, co-payments, and adjustable limits (some as high as $20,000 annually). Most work on a percentage-based payment plan—for example, 80/20—so when that pup runs into the porcupine, your insurance pays for 80% of the total cost of his treatment, and you cover the remaining 20%. With so many plans out there, the percentage you pay is often your choice.
    No Age Cutoffs
    10 Years Ago: Once a cat or dog turned 8 years old, it was next to impossible to buy insurance for him.
    Today: A few companies have no age limit at all, and the cutoff for others is into the double digits. Know that as your pet ages, policy prices can rise as much as 10% with each year (this usually translates into only a few more dollars each month).
    No Breed Barriers
    10 Years Ago: Insurers didn’t cover conditions known to be common in certain breeds, such as $5,000 hip replacements for German shepherds, who frequently have hip problems.
    Today: Several major plans cover hereditary conditions, as long as your pet’s not showing symptoms when you first sign her up. For this reason, you might be asked to provide records from a recent checkup before being approved for a policy.

  • In permanent life insurance

    In permanent life insurance

    Term life insurance or term assurance is a form of life insurance providing coverage at a fixed rate of payments for a limited period of time. On the expiry of the policy, the policy owner is left with the choice to renew the term life insurance policy or to let the coverage end. This type of insurance policy is in sharp contrast to permanent life insurance. In permanent life insurance, duration extends until the policy owner reaches 100 years of age. However, the policy does not provide any returns beyond the stated benefit, unlike permanent policies, which have a savings component that can be used for wealth accumulation. The fact is that it is the least expensive way to purchase a substantial death benefit on a coverage amount per premium over a specific period of time. The point is that after the stipulated period, coverage at the previous rate of premiums is no longer guaranteed. After the expiry of the period, in case, if the insured dies during the term, the death benefit will be paid to the beneficiary. The subject policy is generally associated with pure income replacement needs for an individual. It functions in such a way that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired. In fact, it does not provide for a return of premium if no claims are filed. The plans are simple to understand and give you the choice to choose your plan, inclusions, premiums and payment frequency. The subject insurances gives you tax benefits under section 80 (C). Many term insurance plans are easily available online. The simplest form of it is for a term of one year and the company will provide death benefit to the beneficiary if the insured died during the one year term.It is also known as a pure risk cover plan for it helps you reduce the financial problems associated with any life risk arising to you. Side by side mitigating the risk, it helps your loved ones to overcome that financial trauma on account of a particular risk. A version of term insurance which is commonly purchased is annual renewable term (ART). Here, the premium is paid for one year of coverage. The policy is guaranteed to be able to be continued each year for a given period of years varying from 10 to 30 years and occasionally until age of 95. The rate of the premium goes on increasing with each renewal period. It eventually becomes financially viable as the rates for a policy would eventually exceed the cost of a permanent policy. The documents needed for taking a term life insurance policy are; Age Proof, Identity Proof, Address Proof, Income Proof, Duly Filled Proposal Form, and Some plans may require you to undergo Medical Tests.

  • health insurance,  Insurance Tips,  Travel Insurance

    10 Simple Travel Health Insurance Tips

    Travel health insurance helps the travelers to know better the insurance policy and to reduce the premium. If travelers know the policy better, they can often save money on travel insurance. Here are top simple travel health insurance tips travelers should know.

    Tip1: Understanding Travel Health Insurance Policy First
    Travelers should read travel insurance policy before purchasing any plan, and better understand the coverage the company has offered. Every policy has few limitations such as pre-existence health conditions and age limits which must be well known to travelers unless it could be a great problem.

    Tip 2: Medical Assistance Services
    When travelers are going to buy insurance policy, they should ask to the company if they have any assistance service for their clients. Experience shows that there are many assistance service companies which are disinterested to take to emergency calls to real doctors or nurse. But it’s not all the cases, there are some serious insurance companies which pay attention to their respected clients and provide assistance service. Though it is little bit expensive to receive calls from distance, but few companies take their responsibility because minutes can save lives.

    Tip 3: Understand the Preexisting Condition
    Travel health insurance policy has few terms and conditions and the travelers should understand the preexisting condition clause of policy. And check these terms and conditions apply since travelers’ departure date, not while purchasing the plan. Suppose travelers buy an annual health insurance policy then these conditions apply to the departure date of every trip.

    Tip 4: Buy Health Insurance That Cover Medical Conditions
    Travelers who take medication will not congregate with the pre-existing clause and unfortunately you will not get any coverage for such conditions. So check the insurance policy and in case you do not understand compare among different agencies which offer health insurance plan compatible with your medication.

    Tip5: Choose Affordable Deductible
    Many travelers want to save money while purchasing insurance policy. However, there are various deductible choices in policy by which traveler can easily save money and has to provide fewer premiums.
    So choose any deductable which only you can afford. While choosing plan you see there are few policies which have greater deductibles, do not fall into that trap because greater deductable means greater price.

    Tip 6: Save Money In Multiple Trips
    Generally insurance companies offer health insurance plan in different category such as single trip, multiple trips, individual trip, family or group plan etc., first determine that whether your trip is single or multiple in a year. If you are planning multiple trips then you need to buy annual plan rather than single plan. Annual insurance policy is comparatively less expensive, and you can save as much money as making another travel.

    Tip 7: Save Money Even In Higher Age Band
    All know that higher age people have to give higher premium and lower age people have to give lower amount, but there is little trick to get lower premium yet you are in higher age band. It seems if your birthday will place before your trip, you have to give extra 20% – 40% premium more than earlier, but if you purchase health insurance plan and leave your country before birthday, you can save significant amount of money which you have to pay after your birthday. Even you can save money by purchasing insurance policy before birthday with lower age band.

    Tip 8: Follow Doctor’s recommendations
    Many people often do not take drugs or medicine even their doctor recommends them because they think it might affect insurance policy. This practice is bad, though it is true but traveler should follow the doctor’s prescriptions because health is important than money. When doctor gives change in medicine, you should take unless the insurance company rejects your claim in the ground of unstable preexistence medical conditions. It would be better while getting an insurance plan provide details about your medical conditions and the medicine you are using.

    Tip 9: Inform Your Insurance Company If Trip Plan Changes
    Many people do not inform to their insurance agency when they change in insurance plan and the most mistakes are that they forget or intentionally do not inform their departure time and arrival time. This is the worst case and most important reason to get rejected their claim. Logically why any insurance company covers you if they do not know where you are and what you are doing. They simple void you policy. So inform as soon as you are planning to change your plan r any part the plan.

    Tip 10: Show the Proofs of Departure and Arrival
    Travel insurance companies sometimes check the proofs of your travel and sadly few people forget to keep record of their medical expenses and other costs and get rejected. There are few ways to keep record such as use credit card on the first day and last day of your trip. Some health insurance companies recommend using stamp on passport while departing from and arriving to your country.

    These travel health insurance tips help travelers to purchase insurance policy properly, to get affordable health insurance, to know how to choose deductable which less premium and finally to know how to claim.

  • Advice,  Buying,  Car Insurance,  Helpful,  Tips

    Helpful Tips And Advice About Buying Car Insurance

    There is so much information about auto insurance that people do not know. If you have a car, you need to have insurance for it. If you have insurance, there are helpful tips that you are going to need to help you get the most from your auto insurance policy.

    Know the value of your car and get coverage accordingly. If your car is old, then it probably doesn’t make sense to have full coverage on it, but you may want full coverage if you have a new car. Also, look into purchasing Gap insurance for the first couple years that you have a new, financed car that was purchased using less than twenty percent down.

    As an automobile insurance customer, you should always be on the lookout for scams out there. With new insurance companies popping up every day, some of them make bold statements and promise to offer lower monthly premiums, but the coverage is cut-rate at best and is likely to drastically increase after you file a claim.

    If you are driving into Canada or Mexico, many people don’t realize that your American car insurance won’t cover you in a foreign country. You will need to purchase auto insurance ahead of time online, or in the border town or city where you will be crossing over into either Canada or Mexico.

    As you age, check with your auto insurance company about discounts. If you have a long history of safe driving habits, your age might qualify you for further rate reductions. Most insurance companies have a sweet spot around fifty five to seventy years of age for age-related discounts on their policies.

    When talking with your agent about auto insurance coverage be sure to ask about discounts. Many insurance companies offer discounts for various things that could bring down the cost of your coverage. Some of the things that insurance companies offer discounts for are student discounts, anti-theft devices installed on the vehicle, low mileage, and good driving records.

    Students are usually offered a lot of discounts when it comes to auto insurance. If you’re a student looking to save money on a policy, check out resident student discounts. These discounts are for students who only use their vehicles during the weekends, holidays and summer months. You can save some big money with this discount.

    If you’re planning on buying a new car, choosing one that is less desirable to thieves will lower your insurance rate. Online, you can find lists of the cars reported stolen most often and it’s likely that they are the same lists that your insurance company uses to calculate your premium. Use this information as part of your research into which car you should buy.

    Use the tips and the information that you learned from this article to get the assurance that you are covered for anything that can happen on the road. They are going to be quite helpful when the time comes around to renew your auto insurance policy every six months or yearly.