Life Insurance , Health Insurance

An important part of a sound financial plan, life insurance from The Prudential  of America and its affiliates provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.

Health Insurance, Life Insurance

Health belongs to indisputable values. No one wants to get sick as no one wants to get into trouble being unable to afford expensive medical treatment when required. Health is as costly as valuable at all times, and especially nowadays. Along with proper diet, exercise, peace of mind and preventive care, health insurance is a wise and necessary investment into your health.

Insurance Claim, Insurance Policy

New roof replaced in October. Amfam still dangling only half of the payment to the roofing company. Oh, and guess who is caught in the middle? Not to mention the fact that they tried to pawn it off as two separate insurance claims! Filed a complaint with the  insurance commission and that was fixed. Thankfully JD Power sent a survey in the mail to me a few months ago. (gave them the worst rating possible) The first time my agent actually called me was to discuss why he was given a poor rating with JD Power!

Health Insurance, Life Insurance

Being a student puts you in a unique situation for purchasing health insurance. You may discover options that are very costly and not suited to your needs. That's why most schools make it possible for you to obtain health insurance through an endorsed student health insurance plan.In general, enrollment periods are specific to your academic schedule.

Liability Insurance , Glossary of Insurance

 If you have been suspended because the Department of Revenue notified you to show proof of your insurance and you did not have any insurance in effect, OR because you were not maintaining insurance on the vehicle you owned and/or operated, you must send the following items to the Driver License Bureau before you can be reinstated:

Homeowner Insurance, Insurance Policy

If your house is destroyed or otherwise unlivable while repairs are being made, you'll be glad you can tap into your "additional living expenses" (ALE) coverage. This type of coverage won't pay your mortgage, but it will cover the cost of an apartment or hotel. If you are displaced from your house, you can make a claim for this coverage by submitting paperwork documenting your living expenses.

Insurance Claim, Insurance Policy

Your liability policy often refers to an “occurrence.” The ISO BOP (1) defines an “occurrence” as “an accident, including continuous or repeated exposure to substantially the same harmful conditions.” An accident is an event that causes injury to the body, property, person or reputation of a third party whom you did not intend to injure. (The designation “third party” means a party other than you or the insurer.

Liability Insurance, Business Insurance

For small businesses the most efficient and least expensive way to purchase liability insurance is usually as part of the Business owners Policy (BOP) which combines property and liability insurance in one contract. Alternatively, a business may purchase a Commercial General
Your liability insurer will pay damages that you are legally obligated to pay as a result of “bodily injury,” “property damage” or “personal and advertising injury,” up to the policy limits and subject to your deductible. Punitive damages are generally not covered, although there may be some exceptions.

State Farm Insurance , Auto Insurance

This message was left on my voice mail. I continuously called requesting to speak w/the adjuster and Mrs. Dorothy M. but I did not get a call back. "Totally Ignored" no one at State Farm Insurance  was willing to give me insurance  information about the contractor Mr. Rollins and I was told to get in touch with the same person who will not call back in this case Mrs. Dorothy M. I called her office, her direct line, her cell phone and I was given another number to call but NO return of my calls.

State Farm Insurance , Auto Insurance

State Farm Insurance was notified about foundation movement back in July, 2008. They sent Baker Brothers Plumbing out to see if water leaks were the cause for foundation movement and tested the plumbing system. They informed State Farm insurance  that there was two sewer drain leaks. Under the present policy I have with State Farm, it states that they would cover the cost to tear out and replace any part of the building necessary to repair the system.

Liability Insurance, Business Insurance

Good liability Insurance  risk management can reduce the chances that your business  insurance will be sued, but it can never eliminate the risk entirely. You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally  liable to pay damages to someone who suffers a loss due to your actions or inaction.

Car Insurance, Insurance Policy

These types of car insurance make up almost every car insurance policy available however many optional riders like GAP Car Insurance, Rental Car Coverage, Medical Payments, Uninsured / Underinsured Motorist Coverage and more are available. Take our Free Car Insurance 101 course here . Some states only require liability damage while others require PIP, UIM and more. It is worthwhile to note when consumers lease or finance a car your lender will surely require much higher limits of coverage than the minimum state requirements.

Family Insurance, Insurance Company

A financial service company’s name can often convey positive impressions about the company and this is certainly true with American Family Insurance. This insurance provider offers auto insurance, homeowners insurance, renters insurance, and a whole host of other insurance products. The American Family Insurance name has a nice, friendly sound to it and reviewers of this company point out that it is very personal and usually offers a great value compared to other insurance providers.

Homeowner Insurance, Insurance Policy

You've been searching for the perfect house for months. Finally, you find the one. After your offer is accepted and a small mountain of paperwork is signed, it's yours. What are you going to do next?If you're smart, before you pack a single box, you will make sure your home insurance has you covered for whatever life might have in store. While your mortgage lender likely requires you to carry some level of home insurance, don't assume that amount will protect you from financial disaster.

Liability Insurance, Business Insurance

Liability Insurance:  Liability insurance is the type of car insurance required by most states. Liability insurance provides coverage for accidents you are in causing damage to either (a) other vehicles or (b) your vehicle where the fault is not with another car. Although many states have no fault car insurance laws its important to understand that liability insurance is not a blanket protection from litigation.

Insurance Terminology , Insurance Industry

The number of people who claim that insurance is something you cannot take a step outside without seem to be equal to the number of people who disregard the opportunities insurance offers and call it a mere waste of money. On the surface, insurance is something you can do without unless or until you have something to lose. Come to think of it, how many of us don't? Thus, the question is not whether to insure or not, but rather what insurance company and policy to choose.

Liability Insurance , Glossary of Insurance

All businesses in today’s litigious society are at risk of a general liability claim, but some businesses face greater risks than others. A few examples include insurance companies that operate heavy machinery, serve food or beverages, make products that are consumed, make toys or exercise equipment, rent  insurance property or vehicles, or have drivers or delivery people on the road. But even if you’re a bookkeeper, you could be sued if a client is injured while on your premises.

Auto Mobile Insurance, Insurance Claims

Missouri law requires that all motor vehicle drivers and owners maintain some type of motor vehicle liability insurance coverage. Unfortunately, each year thousands of Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. This results in unpaid damage claims and higher insurance premium rates for all Missourians.

Business Insurance, Home Insurnace

Mechanical Breakdown – This option provides coverage for mechanical or electrical breakdown to your boilers, pressure vessels, refrigeration systems, piping, and mechanical and electrical machines or apparatus that generate, transmit or simply use mechanical or electrical power. For many businesses insurance that depend on such equipment, a breakdown means the inability to operate and loss of income.

Health Insurance, Life Insurance

Amid rising health insurance costs and a tough economy, a growing number of consumers and employers are turning to high-deductible health plans (HDHPs), often known as "catastrophic health insurance."These plans feature lower-than-average premiums in exchange for higher-than-average deductibles, and many on the market today are paired with tax-advantaged health savings accounts (HSAs).