Holiday Insurance Tips

Things To Consider Before Going Aboard An Airline
March 9th, 2009 Posted in Airline Flight Insurance | 1 Comment »

Are you a handyman by trade? If so, it is likely that you have grown accustomed to carrying your tools around with you, wherever you go. In fact, there is also a chance that you may need to travel with them. Whether you are traveling for business purposes or not, it is important to know that the airline industry as a specific set of air travelrules concerning tools. If you are planning on brining your tools along with you, you will want to take the time to familiarize yourself with these rules. Doing so may prove helpful, in more ways than one.

It is very essential to know one thing that there are different kinds of rules for different tools, before you start examining the tools that are allowed or not aboard an airline. Most airlines do not strictly prohibit you from carry tools with you, but they do restrict you from carry them at certain times. For instance, you will find that a large number of tools can be stored in your checked baggage, but they are prohibited from being stored in your carryon luggage. If, at anytime, you are confused about these bans, you are advised to contact your airline for additional information.

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Ways To Last Minute International Travel
March 9th, 2009 Posted in Airline Flight Insurance | No Comments »

There’s nothing more interesting and more exciting than travel. Through travel, you are able to not only see the world but experience it: whether you are going to the hills of China and into the Himalayas, or exploring the Australian outback, there are so many ways that you can learn by simply being in the right place. You can add to the excitement of your international travel experience by doing it at the last minute. Of course, this can be difficult, but if you are prepared for some mind boggling excitement, then go ahead! Here are a few tips that will aid you in last minute international travel.

Never ignore the importance of a passport. Some people will take for granted the importance of their passport and will travel around without it, thinking that they can go into any country by virtue of their nationality or citizenship. However, you may get mugged, a lot of things can get stolen from you, and if you are working at the last minute, things can get quite sloppy. If you have lost something, you are required to go to your consulate if it is important, and you need to show your citizenship through your passport.

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All About Last Minute Summer Travel
March 9th, 2009 Posted in Airline Flight Insurance | 1 Comment »

Summer is getting away, but you’re determined not to let spring come without first enjoying yourself under the sun. No matter how last minute your travel plans are, the tips below can guarantee that you’ll have a summer vacation to remember!

Budget
Start your travel plans by eliminating your most pressing worry and one that has the greatest impact on your plans. How much can you afford to

Auto Insurance Tips

When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family — and your family's finances — will be protected.

Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can't keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called "gap insurance"? This is a form of auto insurance that usually applies to leased cars. In some cases, however, a car buyer might also need gap insurance. We'll tell you when and how much to buy.

If you are on the fast track, and need car insurance now, we've boiled down all our information into the easy-to-read "10 Steps to Buying Auto Insurance." This series of short articles is followed by a checklist that will ensure that you won't overlook any important details as you get the best coverage available.

Cheap Travel Insurance

Many people are in search for cheap travel insurance that offers the same benefits of more expensive travel insurance. And it is only logical because traveling alone is very expensive, between airplane tickets, hotel stay and car rentals; travel insurance is another thing to add onto the list.

Many however don't consider travel insurance and see it more as an "extra" and even if it does seem necessary, the high costs can scare many away. But there are great cheap travel insurance plans available.

Many travel insurance companies can offer you more affordable travel insurance but it will most likely not cover as much as higher prices travel insurance would. Nonetheless, having travel insurance is very important because emergencies can occur at any moment and being far from home makes it even more difficult. When looking for a cheap travel insurance be sure to compare it with other travel insurance plans and take note of the differences between what is covered and how much.

The best way to get a good price on travel insurance is to look for travel insurance with anticipation before your trip. Looking for travel insurance at the last moment will make it harder for you to find cheap travel insurance. So take your time and compare travel insurance and ask as many questions to get everything crystal clear.

Tips on Selecting An Insurance Company

When shopping for auto insurance, do a little homework first, shop around, and select your insurer carefully. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you:


Know your state's auto insurance requirements:

Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional.
Write up your personal auto insurance profile:

List pertinent information concerning what type of vehicle you drive, where you drive, who else drives, what your driving record is, where you live, what optional safety features your car has. This profile will make the next step easier.
Comparison Shop:

Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the Yellow Pages, and call your state insurance department for guidance. Contact insurance agents or companies for general pricing information. Select a few insurers for personalized quotes.
Meet with potential insurance agents:

Make a few appointments, bring your personal auto insurance profile with you, and ask questions. You want a fair price AND quality service. Ask about available discounts, higher deductibles, service options and claims procedures after accidents. Take notes.
Compare Again:

Consider cost, coverage offered, and quality of service available. Select your insurer.
Read your policy:

Yes, even the fine print! Ask questions. Keep your policy at hand. Call your insurer to keep your policy up-to-date, inform your agent of any changes (new car, new job, new driver, etc.), and ask periodically about any possible discounts. Review your policy yearly with your insurer.
Keep your insurance information with you:

Many states require drivers to carry a proof-of-insurance card with them when driving. Ask your insurer for a card, and keep it in your wallet or in your car.

Four Important Insurance Marketing Strategies

If coming up with insurance marketing strategies is difficult for you, you are not alone.


But there are all kinds of insurance marketing ideas that you can implement starting today. Insurance marketing ideas that will get results and put more clients on the books.



Before I get into some insurance marketing strategies and insurance marketing ideas for you to study, here's a little known marketing secret that a smart agent will take to the bank for the rest of his or her career: Study marketing systems and ideas outside of your industry and adapt them into yours.

That's right. If you want a plethora of instant and effective insurance marketing strategies, they are right in front of you. Almost every marketing strategy that a business is using effectively to get customers can be adapted into your industry.




Confession...


Many of the ideas I come up with and offer to clients are as a result of this very secret. I have rarely invented my own insurance marketing strategies, or any marketing strategy for that matter. Maybe even the ones I came up with have been used before... hmmmmm.


The truth is, any of the marketing strategies you get from outside your industry can be used (often) with even more effectiveness in the financial services industry. They can become powerful insurance marketing strategies. Here's why...




The insurance industry is oversaturated and all the agencies and agents are spying on each other. They want to copy what the "other guy" is doing. This is a formula for disaster because what happens is everyone starts using the same kinds of insurance marketing strategies which dilutes response and confuses the consumer.


The insurance marketing strategies that agents are copying have morphed into horrible, image oriented advertising that does wonders for the ego of the agent or planner, but nothing for generating leads and clients.



I cover all this in more in my marketing course so lets move on to a few insurance marketing strategies... insurance marketing strategies that were taken from outside the industry and applied to the insurance and financial planning industry...

Insurance Marketing Strategy 1. Reinvent your service: Maybe the most powerful marketing strategy, sooooo important in marketing.


Take for example a creative carpet cleaner came up with a "FREE Carpet Audit" (which they took from another successful business and applied it to their industry ;-)

The audit was basically a free analysis of your carpet. The result was a comprehensive report on your carpet, what is wrong with it, and how it can be fixed using various carpet treatments. This audit instantly took the struggling carpet cleaner out of the pricing game and into the VALUE game.


The result was a higher perceived value of his services, and received more qualified leads and referrals (a lot more).


If you want an insurance marketing strategy that will make you the expert in your industry and get more qualified leads, this is it.

You already have a fact finder. Use that. Rename it. Expand on it. And there is your "Audit".


Insurance Marketing Strategy 2. KNBR Radio. One of my favorite late afternoon radio programs is called "The Rat and Mr. T". The Rat is a well known local radio personality, and Mr. T is Tom Tolbert, a retired NBA player (played for the Warriors, my favorite team, and now he's a media personality). There are many great insurance marketing strategies (or lessons) you can learn from this program. Here are two important ones...

How does the title of that radio program sound? Not very professional right? I know, it's a sports channel. But it doesn't matter! All kinds of millionaires and even billionaires listen to the program. They even call in and participate. Why? Because people want to be entertained. So the first lesson is this...

Put an end to professional boring correspondence. Nobody reads it, and it makes you look stuffy and boring.


End this by starting with the most underrated insurance marketing strategies in the insurance industry...A newsletter. An interesting newsletter that people want to read. Include pictures of clients and success stories, contests, etc. The idea is to be creative and get people involved. A fun to read newsletter is one of the most effective insurance marketing strategies available to you.

Lesson 2: The Rat and Mr. T are supposed to talk about sports. And they do, but they also go off on endless tangents and discuss other topics that have nothing to do with sports. They do this because they found that their audience responded better to it and they got more listeners. It keeps people interested because it gets old if they are always talking about sports. Plus, showing a little bit of your personality gets people to feel like they know you better.



What Does This Have To Do With Insurance Marketing Strategies?


Lets get back to converting and applying this to your insurance marketing strategies...

Your newsletter doesn't always have to be about wealth accumulation and planning. For example, you can write an informative newsletter on wealth accumulation one month (and of course you are going to do that in a fun way...maybe tell a story). And in next months newsletter you can have a snippet on wealth accumulation (it's not important this month), but make the main focus about about one of your clients who, for example, did an endurance race and few bits about that. Maybe you can refer them to a unique store that has interesting gifts and gadgets.

In addition to the newsletter you could send various clients a bit of info, an article, even a book on a new subject they recently became interested in.

I am just thinking of this off the top of my head, but breaking up the monotony is important to the success of your insurance marketing strategies.



Insurance Marketing Strategy 3. Write with your client in mind...as if you were writing to a friend. But don't talk about yourself!!!! Remember those letters that come once a year from friends or family and they describe in excruciating detail everything about themselves and how great their family is? You know, the letters that are written in a tiny font and they go on and on about themselves? Can't stand those letters, right? People don't want to know how great you are. They want to know that you are thinking of them, that you care, and that you want to help them. Your writing and corresspondence (and your advertising) should emulate the same feelings.

SIDE BAR: I know what you are thinking about these insurance marketing strategies. You are wondering where the "meat" is. Where the actual,"How do you get a client to come in the door tomorrow?" is , right? Well, these really are insurance marketing strategies. They are strategies that will set the tone and launch your lead generation efforts to all new levels. Sure, these insurance marketing strategies will take a little bit of time, but patience is the key here.

Western World Insurance Group Selects INSTEC

INSTEC, announces the agreement with Franklin Lakes, New Jersey-based Western World Insurance Group for INSTEC’s rating and policy administration software, QuickSolver 3.0, a rich internet application.

Western World Insurance will implement QuickSolver 3.0 as a black-box component behind their proprietary web portal using INSTEC’s web services. The interface project to link QuickSolver and the company web portal will be led by Western World Insurance with consultation and documentation provided by INSTEC.

Further integration with in-place document management and back-end systems is expected as well. Thad DeBerry, Senior Vice President Information Technology said, “INSTEC provides a flexible solution that allows the organization to rate our various classes of business within a common architecture while supporting the different needs of our agents and internal underwriting staff. Their overall stability, industry expertise, and execution capabilities make INSTEC an ideal development partner as we enhance our rating infrastructure.”

Western World Insurance appointed wholesale agents and brokers will use the company portal to quote and administer company policies while internal staff will leverage the native QuickSolver interface. Both constituencies will operate using a shared architecture and database. A multi-phased approach will be used to deliver multiple lines of business and three separate rating companies which are comprised of both admitted and non-admitted business.

“We appreciate the trust that Western World Insurance has placed with the INSTEC team. Our web services have given us a platform from which we can deliver solutions that align with our client’s business strategies regardless of interface or delivery mechanism.” said Pat Walsh, INSTEC Vice President. “We are looking forward to a long and successful partnership.”

What Does an Insurance Fraud Attorney Do?

An insurance fraud attorney is a person who is specifically tasked with litigating cases relating to insurance fraud. Such an attorney could be working for the insurance carrier or, in the case of a consumer fraud lawyer, may work on behalf of an individual, or the government. If working for the government, the main objective will be prosecuting civil cases, though they could also participate in some criminal matters. Those working for insurance or private individuals will mainly be interested in civil litigation.

An insurance fraud attorney working for an insurance company will work closely in conjunction with the insurance investigator, or claims adjuster. If there is a reason to believe a claim is fraudulent, the attorney may begin legal proceedings. Most of the time, attorneys will work on disability and auto insurance cases. By the very nature of these two areas, they are more susceptible to fraud. In such cases, the goal will be to recoup any money that was paid out fraudulently.

If the case is compelling enough, and the evidence is strong enough, an insurance fraud attorney may work closely with a local prosecutor as well. In such a situation, the defendant may not only be brought into court on civil litigation, but also face criminal charges. Often, the litigation used in the course of the civil case will be valuable to the prosecutor when looking at criminal charges. There is no rule against the two attorneys cooperating with each other on separate cases.

An insurance fraud attorney can be very busy, simply because he or she will be responsible for multiple open cases at the same time. Some attorneys may focus on fraud cases involving disability. Others may work specifically on automobile insurance cases. Many will work on a variety of cases, especially at larger firms that handle more than one type of insurance product. Though they often have a staff and aides that help juggle some of these issues, the attorneys themselves will still need to keep track of many different schedules, make sure all required filings are handled on time, schedule witnesses for depositions and trials, and other duties.

In the case of an insurance fraud attorney working for the government, it is the insurance carriers themselves that often become a target, because of unscrupulous practices toward consumers. Such cases may be handled either by an insurance fraud attorney, or a consumer fraud attorney, depending on the situation, and the workload of the attorneys. Most of the time, these situations may be handled under a class-action statute, which allows plaintiff attorneys to, in effect, represent all of those who may have been wronged.

Insurance Fraud

Insurance fraud is one of America’s largest crime industries. It occurs every day in every state. People of all races, incomes and ages are victimized. Fraud committed against private insurance companies costs Americans at least $80 billion a year, or about $950 per family. Medicare fraud costs the federal government $179 billion per year.
Insurance fraud consists of fraudulent activities committed by applicants for insurance, policyholders, third-party claimants, or professionals who provide insurance services. Insurance fraud can be “hard” or “soft.”

Hard Fraud. This is when someone deliberately fakes an accident, injury, theft, arson or other loss (or worse, such as a life insurance beneficiary killing an insured) to collect money illegally from insurance companies. Many act alone, but increasingly, organized crime rings stage large schemes that steal millions of dollars.

Soft Fraud. People often tell “little white lies” to their insurance company. A car owner inflates a fender bender claim to cover her deductible. A homeowner inflates the value of his stereo equipment stolen during a robbery. These are crimes.

Even though the federal government is more actively involved in the pursuit and prosecution of some insurance fraud cases than it used to be, it is the state insurance departments, state attorneys general and county district attorneys offices that do most of the investigation, enforcement and prosecution of insurance fraud because most of the anti-fraud laws are state statutes.

Frequently, however, insurance fraud cases result in federal prosecution because the fraudulent activity (doctor illegally using prescription drugs, doctor diluting medication resulting in injury or death of patients, unnecessary surgeries, murder) also violates federal law. Also, Title 18 of the U.S. Code, Section 1033 is used to prosecute anyone engaged in the business of insurance (executives, employees, sales agents) who is involved in the perpetration of insurance fraud. And, of course, federal laws are violated whenever there is a case of Medicare, Medicaid (federal and state laws) or Tri-Care (military insurance) fraud.

As the pursuit of fraudulent activity by state and federal authorities intensifies, the penalties have increased. Mandatory restitution of lost income, loss of professional license and substantial prison sentences can result from a conviction for insurance fraud.

If you are under investigation for, or have been charged with, insurance fraud, contact a qualified insurance fraud attorney right away. An experienced insurance fraud lawyer can help preserve your rights and defend you in the face of federal prosecution.

What is Insurance Fraud?

What is Insurance Fraud?
Fraud occurs when someone knowingly lies to obtain some benefit or advantage to which they are not otherwise entitled or someone knowingly denies some benefit that is due and to which someone is entitled. Depending on the specific issues involved, an alleged wrongful act may be handled as an administrative action by the Department or the Fraud Division may handle it as a criminal matter.

What Types of Insurance Fraud or Other Crimes Does the Fraud Division Handle?
The Fraud Division is charged with enforcing the provisions of Chapter 12 of the California Insurance Code, commonly referred to as the "Insurance Frauds Prevention Act," California Penal Code, Sections 549-550 and California Labor Code, Section 3700.5. Current law requires the Fraud Division to investigate various felony provisions of the Penal and Insurance Codes. Most often, investigations conducted by the Fraud Division involve some aspect of a "Suspected Fraudulent Claim" or other related crimes.

Cases investigated by the Fraud Division most often involve criminal acts involving automobile property and personal injury, workers' compensation, health insurance and residential and commercial property claims. Some examples of the types of insurance fraud that are investigated include:

Insurance law: an overview

In the absence of insurance, three possible individuals bear the burden of an economic loss; the individual suffering the loss; the individual causing the loss via negligence or unlawful conduct; or lastly, a particular party who has been allocated the burden by the legislature, such as employers under Workmen's Compensation statutes.

While types of insurance vary widely, their primary goal is to allocate the risks of a loss from the individual to a great number of people. Each individual pays a "premium" into a pool, from which losses are paid out. Regardless of whether the particular individual suffers the loss or not the premium is not returnable. Thus, when a building burns down, the loss is spread to the people contributing to the pool. In general, insurance companies are the safekeepers of the premiums. Because of its importance in maintaining economic stability, the government and the courts use a heavy hand in ensuring these companies are regulated and fair to the consumer.

Up until 1944, insurance was not considered "commerce" and not subject to federal regulation. But in United States v. South-Eastern Underwriters Association, the Supreme Court held that Congress could regulate insurance transactions that were truly interstate. Congress then enacted the McCarran-Ferguson Act (15 U.S.C. § 1011) which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it wasunregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always commanding. Therefore, when researching whether a particular law governs, a good rule of thumb is to ask whether the inquiry is related to the "business of insurance" (where state law governs), or whether it is related to peripherals of the industry

Health Care - Uninsured Americans

The Bible tells us to do unto others as we would have others do unto us. If I were uninsured, I would want others to come to my aid and demand solutions. I believe access to a basic standard of health care is a human right that is essential to the pursuit of happiness. People need to talk to their neighbors, church members, friends, family, business leaders, and government leaders and say that it is important that all Americans have this basic right. With this country’s economic prosperity, we can and should find ways to provide health care for everyone.” [Dr. Richard Land]

Faith Leaders Join Largest National Campaign to Cover Uninsured (Christian Post), April 29, 2006

A new study analyzing data from the Centers for Disease Control and Prevention shows that a significant number of working Americans in every state do not have health care coverage, with more than 20 million working adults not having coverage. In eight states, at least one in five working adults is uninsured. In 39 other states, at least one working adult in every 10 does not have health care coverage. The report further reveals that in all 50 states and the District of Columbia, between one-fourth and one-half of all uninsured adults were unable to see a doctor when needed in the past year because of cost . . . The report released today was prepared for RWJF (Robert Wood Johnson Foundation) by researchers at the State Health Access Data Assistance Center, located at the University of Minnesota. Additional findings, of surveyed adults ages 18-64, include:

•The problem is pervasive among workers in every state. States with the highest rates of uninsured residents among employed adults include Texas (27 percent), New Mexico (23 percent), Louisiana (23 percent), Florida (22 percent), Montana (21 percent), Oklahoma (21 percent), Nevada (20 percent), and Arkansas (20 percent). States with the lowest uninsured rates among employed adults include Minnesota (7 percent), Hawaii (9 percent), Delaware (9 percent), and the District of Columbia (9 percent).
•Uninsured adults are unable to see a doctor when needed. Nationally, 41 percent of uninsured adults report being unable to see a doctor when needed in the past 12 months, due to cost, compared to just nine percent of adults who have health care coverage.
•Uninsured adults are less likely to have a personal doctor or health care provider. Nationally, 56 percent of adults without health care coverage say they do not have a personal doctor or health care provider, compared with just 16 percent of people with health care coverage.
•Adults who are uninsured are much more likely to report being in poor or fair health than are adults who are insured. Nationally, one in five uninsured adults (20 percent) say their health is fair or poor, compared with nearly one in nine adults with health coverage (12 percent).
Working but Uninsured: Millions of Employed Americans Uninsured and Unable to Get Medical Care (Robert Wood Johnson Foundation) [Accessed May 19, 2006]

“The percentage of working-age Americans with moderate to middle incomes who lacked health insurance for at least part of the year rose to 41 percent in 2005, a dramatic increase from the 28 percent in 2001 without coverage, a study released on Wednesday found.

“Moreover, more than half of the uninsured adults said they were having problems paying their medical bills or had incurred debt to cover their expenses, according to a report by the Commonwealth Fund, a New York-based private, health care policy foundation.

“The study of 4,350 adults also found that people without insurance were more likely to forgo recommended health screenings such as mammograms than those with coverage and were less likely to have a regular doctor than their insured counterparts.

“The report paints a bleak health care picture for the uninsured … About 45.8 million Americans did not have health insurance in 2004, according to the U.S. Census Bureau.

“The percentage of individuals earning less than $20,000 a year without insurance rose to 53 percent, up from 49 percent in 2001. Overall, the percentage of people without insurance rose to 28 percent in 2005 from 24 percent in 2001.

“The study also found that 59 percent of uninsured with chronic conditions such as asthma or diabetes either skipped a dose of their medicine or went without it because it was too expensive.

“One-third of those in that group visited an emergency room or stayed in a hospital overnight or did both, compared to 15 percent of their insured counterparts

Health Care Access for Uninsured Adults

Nearly 43 million Americans were uninsured in 1999. The large number of individuals living without insurance remains a major health and public policy concern. Although these individuals have less health care access and service use, the uninsured do have some sources of care. A health care system, or "safety net," for the poor, comprising public hospitals, community health centers, local clinics, and some primary health care physicians, exists in all communities. However, the capacity of these systems and their sources of financial support vary widely.

States' uninsured rates, marketplace competition, Medicaid payment policies, and state and local financial support all exert pressure on the safety net. As a result, access for the uninsured can vary considerably across states and communities. Cunningham and Kemper (1998), after controlling for personal and health characteristics, find considerable differences across communities in the extent of unmet need and delays in obtaining care among the uninsured.

This brief examines the extent to which differences in the safety-net environment account for differences in the uninsureds' access to and use of health care. After grouping states according to the vulnerability of various aspects of their health care safety nets, we examine whether low-income uninsured adults get less care and have poorer access in states where the safety net is weaker. We then explore whether utilization and access gaps between the uninsured and the insured are narrower in states with stronger safety nets. The brief focuses on low-income adults, who are more likely to be uninsured and therefore dependent on the safety net, and on residents of metropolitan areas, where most states' safety-net resources are concentrated. It draws on representative samples of the population from 13 states—Alabama, California, Colorado, Florida, Massachusets, Michigan, Minnesota, Mississippi, New Jersey, New York, Texas, Washington, and Wisconsin—using data from the Urban Institute's National Survey of America's Families.

The analysis reveals that differences across states in some measures of care access for uninsured adults are consistent with differences in the levels of safety-net vulnerability. More striking, however, is the finding that substantial gaps in service use and care access between the uninsured and the insured are evident in all states and that the vulnerability of a state's safety net does not affect these gaps. Uninsured adults' access to care appears to be no worse where the safety net is more threatened and no better where it is under less pressure.

Health Insurance for Uninsured Children

The State Children's Health Insurance Program (SCHIP) administered by the Centers for Medicare and Medicaid Services, makes funds available to states that have in place federally approved programs providing health insurance coverage to uninsured children. This program gives each state permission to offer health insurance for children, up to age 19, who are not already insured. SCHIP is a state administered program and each state sets its own guidelines regarding eligibility and services.
Amounts of SCHIP funds receive annually is determined according to a formula based on the number of uninsured, low-income children in the state and a geographic health care cost factor. Participating states use most of their SCHIP funding to provide health insurance to uninsured children who could not otherwise be covered under the state's plan alone.

Families who earn too much to qualify for Medicaid may be able to qualify for SCHIP. Families that do not currently have health insurance are likely to be eligible, even if you are working. The states have different eligibility rules, but in most states, uninsured children under the age of 19, whose families earn up to about $36,200 a year (for a family of four) are eligible. For little or no cost, this insurance pays for:


•doctor visits

•immunizations

•hospitalizations

•emergency room visits

Health Insurance for Pregnant Women

Over 41 million Americans are uninsured, and many of those who are insured are underinsured. As a result, there are approximately 13% of women who become pregnant each year who are not insured, which often results in inadequate prenatal care.

Another challenge uninsured pregnant women face is that some insurance plans consider pregnancy a pre-existing condition. Medicaid, a federal funded program for low income persons, will accept women who are already pregnant. However if you are not eligible to receive Medicaid, it can still be a challenge to pay for all the prenatal visits and delivery. The estimated cost of delivery alone is $6,000 – $8,000 for a normal pregnancy, and the cost increases if it is a high risk pregnancy.

This is the crisis that many pregnant women find themselves facing when they learn that they are pregnant. The excitement of being pregnant is quickly dissolved by the worry and anxiety of financial burden.

Goverment Funded Programs
Medicaid is a state run program that is federally funded. Medicaid provides medical assistance for low-income families and individuals. To locate an office near you go to Centers for Medicare & Medicaid Services.
You may find that there are other options, depending on your state, which provide additional programs for women who are pregnant such as Medi-cal from the state of California. You can check with your local department of health at Health Departments by State for information on local programs that may further assist you.

WIC is a federal agency that serves to safeguard the health of low-income women, infants and children under the age of 5. WIC provides nutritious foods to supplement diets, information on healthy eating, and referrals to health care. To get more information you can go to Women, Infants and Children.

Health Care Discount Programs
There are many alternatives to traditional health insurance and Medicaid. These alternatives offer a discount on your health care and may help you out. Make sure to check with your health care provider to find out what discount you would receive if you paid cash. Take monthly fees, deductibles and premiums into account. Here are a few examples of discount programs.

Maternity Advantage™ is a discount health program that can save you up to 60% on doctor’s visits, lab work, sonograms, your hospital stay, and much more. Maternity Advantage is not insurance but it works with a National Preferred Provider Maternity Network. For a low monthly fee, Maternity Advantage can provide you with a comprehensive maternity plan. You can receive these benefits even after you have found out that you are pregnant. You can request FREE information by filling out this form: Request Free Information. Or you can call them toll-free at (800) 450-0183.

AmeriPlan is a discount plan that is currently available in all states except Alaska. AmeriPlan saves people up to 50% and more on their health care services. Benefits include physician, hospital, and ancillary services (i.e., lab work, tests, x-rays). Since AmeriPlan is not insurance, all pre-existing conditions are covered (except orthodontic treatment in progress), there are no deductibles, no waiting periods, no claim forms, and no annual limits. For more information on this discount program you can go to AmeriPlan. Or you can call them toll-free at (800) 647-8421.

OTHER OPTIONS FOR MANAGING HEALTHCARE COSTS
Here are some additional ideas for helping you manage the costs related to prenatal care and birth:

If you are delivering at a hospital, you can contact the account office and talk to someone about setting up a payment plan or ask if they offer a sliding scale. Many hospitals do offer these, but they are not utilized because people do not know what is available to them.

If you are having an uncomplicated pregnancy you may want to consider giving birth at a birthing center. The estimated cost of a delivery and prenatal care at a birthing center is about $3,000 – $4,000. This is half of what it would be for a delivery at a hospital. Many birth centers also provide sliding scales, payment plans, and accept Medicaid.

If you are a single parent you can go to Single Parenting: Making It Work and Doing It Alone for other ideas on how to save a little extra money.

Remember to enjoy this time and don’t allow the financial burden to take away your excitement.

Employee Insurance

Beech Street Corporation is the oldest independently owned Preferred Provider Organization (PPO) in the United States. Established in 1951 as a Third Party Administrator (TPA) for the Workers' Compensation sector of the healthcare industry, Beech Street expanded its business model by becoming a full-service PPO in 1984.During the past five years, Beech Street has consistently been recognized as being one of the top three PPOs in the United States.

Beech Street offers network access for health benefits, healthcare management services, out-of-network cost containment programs and Internet technology solutions to over 700 clients and their 16 million members nationwide. Quality medical care, substantial savings, and freedom of choice are all components of Beech Street 's commitment to delivering the value-added services expected of a national PPO.

Beech Street strives to identify the most respected hospitals, physicians, and specialty providers throughout the country so the patients accessing our network receive the highest level of care. Currently, Beech Street contracts with over 3,800 hospitals, 52,000 specialty care facilities and more than 400,000 providers, so it's not difficult to find a Beech Street provider in any area of the country.

General Specifications

Open enrollment periods are for a limited time

New client initial open enrollment periods are during specified dates for a 60 day period

Annual open enrollment periods are during specified dates for a 30 day period only

Open enrollment periods for new hires are for 30 days from job start date

Ø After four consecutive weeks without a weekly deduction or direct payment, the employee will become eligible for COBRA

Ø Full or partial coverage may be dropped voluntarily at any time by the insured, however
cannot be reinstated until the next open enrollment period (excluding any Section 125
plan clients)

Ø The only changes that may be made to benefits outside of the open enrollment period are "Life Change Events" (marriage, divorce, birth, death, adoption, etc) or a qualifying event. Changes need to be made within 31 days of event. Changes are NOT to be made in our system until receipt of documentation of status change.

New optional benefits & Cost

Dental

Employee Employee + 1 Employee + Family

$3.84 $7.38 $12.92 (per week)

No network, see any licensed dentist of choice

$15 co-pay for dentist office visit

Immediate coverage at 100% for wellness visit, with no waiting period

6 month waiting period and deductibles apply for all other procedures, unless stated otherwise for rollover clients

$50 deductible for EO and E+1 coverage, $100 deductible for E+F coverage

Maximum yearly dental benefit paid per insured member is $500 during the first year, with annual increases for the second and third years of coverage

$1,500 lifetime maximum for all three years on Orthodontia/Braces only

Short Term Disability

$4.20 per week–Cost will not change

Pays benefits when an employee is out due to a non-work related accident or covered sickness

Pays up to $650.00 per month after a 7 day waiting period

Benefits paid up to 26 weeks maximum

Premiums must be kept current

Term Life Insurance Coverage

Employee Employee + 1 Employee + Family

$0.60 $0.90 $1.80

Term of coverage is in effect as long as premiums are paid

Benefit of $10,000 paid on life of employee (Age limits apply)

Benefit of $5,000 paid on life of each dependent, spouse or child (6 months to 24 years of age)

Vision Discount Card

Employee Employee + 1 Employee + Family

$.50 $.70 $1.00

Exams Up to 20%

Frames Up to 50%

Lenses Up to 25%

CRT Up to 20%

LASIK Up to 25%

Online Contact Lenses

New additional benefits available

Group Voluntary Accident – Requires accidental causation

Employee Employee+1 Family

$2.04 $4.97 $4.97

AD&D Up to $100,000

Common Carrier Accidental Death

Dismemberment

Dislocation/Fracture

Initial Hospital Confinement

Hospital Confinement

Intensive Care

Ambulance Services

Medical Expenses

Outpatient Physician's Treatment

Group Voluntary Critical Illness

Employee Employee + 1 Family

$2.20 $3.25 $3.30

Heart Attack

Heart Transplant

Stroke

Coronary Artery By-Pass Surgery

Major Organ Transplant (other than heart)

End Stage Renal Failure

Paralysis (not as a result of a stroke)

Alzheimer's Disease

Invasive cancer

Carcinoma in Situ

Insurance Broker

Insurance Broker is a person having specialized knowledge in the field of finance who play the important intermediary role between the customer and the insurance company. They are also known as insurance agents. Insurance broker can be either of the following two :-



Individual Professionals

Commercial Business entities


Insurance brokers or agents have thorough knowledge and extensive experience in the insurance sector and are quite conversant with the contingent risks of life and their possible risk-management. They actually broker the insurance deal between the insurance company and the consumer and in lieu extract a commission. They are basically financial planners who find out suitable insurance schemes in accordance with the needs of the insurance clients. Insurance brokers are not tied to any specific insurance companies but to multiple ones. So, there is the least chance from their part to favor insurances of any specific company/companies. It is expected from a insurance broker that he would perform extensive research work while choosing the right insurance scheme/policy for the correct requirements without any prior biases.

The job of an Insurance Broker varies from firm-to-firm because in such cases size does matter. In large business entities, they have a wide range of client base along with their wide range of requirements. This is not possible for a single broker to meet all the needs of all the clients with their variety of needs. So, each broker in a big business house have categorical specializations according to the needs of the clients. But Insurance Broker in small business entities, who have comparatively less businesses and small number of clients, have to do all the works associated with them.

Generally the works associated with the Insurance Broker involves :-

Acquisition of Clients in need of the insurance. Even if people don't have the demand for the insurance in a specific field the brokers generate such demand through advertisement and other methods. This is known as Business Development.
After acquiring the client, the brokers need to give proper and adequate service to them for maintaining the ongoing good relationship between the insurance company and the client. This is commonly known as Servicing of Client.
Constantly remain in touch with the clients and cater to their problems through gathering proper information and assessment from them about their risk profile and requirements.
Renewing the policies of the existing clients in a hassle-free manner and with proper judgment and guidance.
Proper advice to clients in a customized way by gauging their risk profile coupled with extensive research.
Insurance Broker should be well versed with all the new policies and schemes of all the insurance companies so that he would be able to choose the right policy for the right personal needs.
Collection of regular premiums paid by the clients also need to be collected on time by the Insurance Broker. In addition to this they are also required to process the accounts of the clients.

Insurance broker: Job description and activities

Job description
An insurance broker acts as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. Brokers use their in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Insurance brokers, unlike tied agents, are independent and offer products from more than one insurer to ensure that their clients get the best deal.

Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.

Typical work activities
Typical work activities depend largely on the size and nature of the employer and the scale of the business. In a large company, a broker may specialise in a core area; in a small firm, a broker could be involved in most functions, including new business development and acting as placing broker and claims broker.

Tasks typically involve:

■gathering information from clients, assessing their insurance needs and risk profile;
■building and maintaining ongoing relationships with clients including scheduling and attending meetings and understanding the nature of clients’ businesses or lives;
■foreseeing clients' insurance needs, such as policy renewals;
■researching insurance companies' policies and negotiating with underwriters to find the most suitable insurance for clients at the best price;
■arranging specialised types of insurance cover in complex cases; this may involve preparing reports for insurance underwriters and surveyors and negotiating with insurers;
■advising clients on risk management, and helping to devise new ways to mitigate risks, for example, by adding security measures such as fencing, surveillance cameras or lighting to commercial properties to reduce the likelihood of break-ins;
■renewing or amending existing policies;
■advising clients whether and when they need to make a claim on their policies;
■marketing and acquiring new clients;
■developing relationships with underwriters, surveyors, photographers, structural engineers and other professionals;
■administrative tasks such as dealing with paperwork, correspondence, keeping detailed records;
■winning accounts against competitors;
■keeping up with changes in the insurance market and in the clients' industries;
■collecting insurance premiums and processing accounts.

A Homeowners Insurance Broker Can Save Homeowners Money

Chicago (InsuranceAgents.com) – When it comes to protecting your home with homeowners insurance, you want to make sure you are getting all the coverage you need at a price that is reasonable and affordable to you. The difference between a homeowners insurance agent and broker is an agent works solely for one insurance company where a broker works for several at once. The quality and level of service between the two can be different as well as the kind of insurance quotes you are offered.

http://www.insuranceagents.com/home-insurance-broker.html

In a recent article posted by InsuranceAgents.com, “What is a Home Insurance Broker?” the difference between the two are explained and tips in finding the perfect homeowners insurance broker are offered. “Essentially, the agent’s allegiance is going to be with the insurance company they represent first, then the policyholder (you) second, while a home insurance broker is an independent agent whose primary allegiance typically goes to the policyholder to whom he offers homeowners insurance quotes,” states the article, “They usually do not have any contractual agreements between them and the insurance provider.”

Finding the right insurance broker can be as easy as asking your friends and family for recommendations, there is no better advice than from those who are closest to you and trust the most. If you don’t know anyone who works with a homeowners insurance broker, it would be up to you to research and compare different brokers on your own. You want to make sure you feel comfortable with your broker before you start conducting business with them, so sit down with a few and talk to them about their experiences and what they can offer you quote wise, compare them and decide which one will best suite you and your insurance needs.
# # #

InsuranceAgents.com provides consumers with access to insurance information including articles, quotes, and comparisons.

New and used car loans for individuals having bad credit and no credit

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Why Insurance is Haram

salams

inshaAllah the beggining of a series of topics I will post on common questions posed by Muslims, not the usual basics but the more fiqh related questions that pop up here and there. All answers taken from Islam Q&A, may Allah reward them for thier efforts

WHY INSURANCE IS FORBIDDEN


====================================

Question :
What are the rulings on commercial insurance which is widespread nowadays? Answer : Praise be to Allaah.
1) All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many aayaat.

2) All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:
“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90 – interpretation of the meaning).
All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.

3) All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (may Allaah be pleased with him):
“The Messenger of Allaah http://63.175.194.25/images/saws.gif (peace and blessings of Allaah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).
[“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim. (Translator)].
All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not. In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.


4) All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:
“O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29 – interpretation of the meaning).
All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.
Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.



These are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allaah.
It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractive and confuse them by calling it “co-operative” or “mutual support” or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.

The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allaah in the aayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.


With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allaah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Ta’meen wa Ahkaamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allaah and the Last Day to fear Allaah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.


May Allaah help me and you to have insight into matters of religion and to do that which is pleasing to the Lord of the Worlds.

Make Instant Decision for People with Bad Credit- Unsecured Personal Loan is a right choice

You strength be in the intersection of your money and having a little small piece of problem custody up with the bills and organization your debts that are support up as well. You are seriously allowing for borrowing cash other than you are hesitant to progress because you individual no significant benefit such as a home to set up as a safety for the cash you intend to loan absent.

On this position, your top decision is to go for an unsecured personal loan which does not need any collateral as fraction of the agreement connecting you and the credit company. This type of loan is chosen by people who are in profound monetary problem and are looking for a quick answer.

But you are untried with captivating out loans; you should identify that applying for an unsecured personal loan will not be as simple as borrowing on the house or any other type of credit. You are essentially asking the creditor to loan you a convinced amount of cash in malice of the verity that you have a poor credit record.

single of the major concerns of credit companies as regards their contact with debtors is the latter’s credit merit and capability to pay and bearing in mind as you are not precisely the perfect type of client, you might locate it a small solid to get accepted for usual loans. Unsecured loans are approximately always decided in the strictest of situation and the highest of interest rate which is astonishingly very well for persons who be relevant for them.

Obtainable for an unsecured loan can be potentially extremely useful to your money particularly because you will not endangering any of your properties, which is a chief anxiety for people who have extra than one advance. You will be capable to pay your wonderful debts, credit card bills and what not even as transformation your credit in the procedure. You seem most people go for this type of loan with every purpose of making good with their monthly payments and paying the full total still before it owes so that they can find positive comments on their credit account. There is a massive option that your monetary position will be backing to usual after a year or so with the help of the cash you borrowed and profitably paid reverse.

The risk of enchanting out unsecured personal loans while is that you will be dealing with a very high interest rate so you want to cautiously plan out the refund program in agreement with how much your monthly income will let.

A few would immediately dive in with no bearing in mind the detail that they will lose extra cash in the procedure if they are late in creation the payments. There is in addition a possible damage to your already blast credit which is impressive that you in truth want to avoid, at all expenses. The reason of enchanting out cash from credit companies is to transfer your monetary direction and not to extra run it to the ground which can be achieved by cautious scheduling and successful implementation of debt administration.

Source

Make Instant Decision for People with Bad Credit- Unsecured Personal Loan is a right choice

You strength be in the intersection of your money and having a little small piece of problem custody up with the bills and organization your debts that are support up as well. You are seriously allowing for borrowing cash other than you are hesitant to progress because you individual no significant benefit such as a home to set up as a safety for the cash you intend to loan absent.

On this position, your top decision is to go for an unsecured personal loan which does not need any collateral as fraction of the agreement connecting you and the credit company. This type of loan is chosen by people who are in profound monetary problem and are looking for a quick answer.

But you are untried with captivating out loans; you should identify that applying for an unsecured personal loan will not be as simple as borrowing on the house or any other type of credit. You are essentially asking the creditor to loan you a convinced amount of cash in malice of the verity that you have a poor credit record.

single of the major concerns of credit companies as regards their contact with debtors is the latter's credit merit and capability to pay and bearing in mind as you are not precisely the perfect type of client, you might locate it a small solid to get accepted for usual loans. Unsecured loans are approximately always decided in the strictest of situation and the highest of interest rate which is astonishingly very well for persons who be relevant for them.

Obtainable for an unsecured loan can be potentially extremely useful to your money particularly because you will not endangering any of your properties, which is a chief anxiety for people who have extra than one advance. You will be capable to pay your wonderful debts, credit card bills and what not even as transformation your credit in the procedure. You seem most people go for this type of loan with every purpose of making good with their monthly payments and paying the full total still before it owes so that they can find positive comments on their credit account. There is a massive option that your monetary position will be backing to usual after a year or so with the help of the cash you borrowed and profitably paid reverse.

The risk of enchanting out unsecured personal loans while is that you will be dealing with a very high interest rate so you want to cautiously plan out the refund program in agreement with how much your monthly income will let.

A few would immediately dive in with no bearing in mind the detail that they will lose extra cash in the procedure if they are late in creation the payments. There is in addition a possible damage to your already blast credit which is impressive that you in truth want to avoid, at all expenses. The reason of enchanting out cash from credit companies is to transfer your monetary direction and not to extra run it to the ground which can be achieved by cautious scheduling and successful implementation of debt administration.

Instant Approval Loans:- Instant Approval Payday loans with No Faxing Required

We all come into situations every now and then where the bills are larger than the income, or you are running low on food. During these times, it might seem like there is no way out. However, there is a way out in the form of instant approval payday loans. Loans like this are great for helping you get back on your feet again, even during tough financial times. Read on further if you want to find out more about instant approval payday loans.
According to Mr. Stifan Peterson CEO of http://www.instantapprovalloans.org.uk/ the fastest way to get approved for such a loan is to go online. This way, you don't have to wait around in the loan office or wait in line. When you go online to do it, you can just fill in a simply form and then get instant approval. You advance a loan amount of £100 and £1500easily depending on your needs. You can borrow the loan amount for 14 to 31 days and the repayment has to be met within this period as the interest rates on these loans are slightly higher.
Instant approval payday loans are great and they are there for you when you need some extra help. They give you the financial security you need when you are running low on cash, and they are incredibly easy to qualify for. As long as you have a job and are over eighteen years of age with a valid bank account, you will qualify.
# # #

Instant approval loans offer instant decision loans, unsecured loans and payday loans with instant approval. Our fast and secured application can help borrowers to get fast cash instantly

Instant Payday Loans

Get the cash you need with Instant Payday Loans

Quick Cash
Are you short on cash between paydays? Do you need extra funds ASAP? If so, Instant Payday Loans can help. We all come up short on cash sometimes when life ambushes us with surprise expenses. In these times, you need cash, and you need it fast. Bill collectors won't wait around until your payday arrives, and neither should you. Instant Payday Loans can connect you with lenders that can get you some of the quickest cash advances available online. You can get the money you need to pay credit card bills, cover medical expenses, repair your vehicle, etc. Instant Payday Loans is here to help you get the cash you need as quickly as possible.

About Instant Payday Loans
Instant Payday Loans is a free referral service that connects our visitors with payday lenders that can meet their needs. We do not actually issue payday loans; we are simply a free matching service. Our goal is to help you find the right lender for you in the most efficient manner possible. Keep in mind that "instant payday loans" in the strictest sense don't actually exist, but we offer the next best thing. The lenders affiliated with Instant Payday Loans specialize in delivering fast cash to their borrowers, so you will have your money as quickly as possible. All you have to do is fill out our simple, online form, and we will match you with one of these quality lenders for free. Some of the benefits of using our service include (will vary by lender):

•Some lenders offer loans of up to $1500
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Finding One Hour Payday Loan Lenders

Everyone needs cash in an emergency. Be it for medical expenses, unforeseen car repairs or any hardship that you might face. One hour payday loans used to be difficult to find. Going from loan center to loan center in an attempt to locate lenders who would extend a short term loan to help alleviate your financial misfortunes. Not only are lenders available on a walk in basis but there are literally hundreds of one hour payday loan pro

Bad Credit Payday or Cash Advance Loans - No Credit Check Required

If you are in need of extra cash until pay day, you may want to consider applying for a pay day or check loan online. A pay day loan can be obtained online and with no credit check. Bad credit will not disqualify you from qualifying for a pay day loan. You can use the money for what ever purpose necessary and the money can often be deposited into your checking account the very same day you apply. All you need is a checking account, and a steady source of income and you can get up to 1000 dollars or more deposited directly into your checking account.

A pay day loan is designed to fulfill your short-term financial needs and should not be used as a regular lending source. The fees charged for pay day loans can be higher than a traditional loan from your bank and should only be used to solve temporary or emergency financial crises. Repeatedly obtaining pay day loans can cost you a lot of money if you extended your pay off date numerous times or if you continually borrow against your next pay check. If a short term pay day loan is the best choice for you, you can be approved and have up to 1000 dollars or more deposited into your checking account sometimes as soon as the very same day you apply.

Pay day loan interest rates vary from company to company. Some lenders offer discount rates for new or returning customers. After supplying the pay day loan company with the required information, usually your name, address, employment and banking information, you can be approved in as little as one hour and the funds can often be in your checking account the very same day. Occasionally you may be required to fax your last pay check stub and bank statement prior to approval, but the funds can still be deposited into your checking account very quickly.

Bad credit should not stop you from applying for a pay day loan. There will be no credit check, only the verification of the information you supply. Pay day loan companies do not check your credit report or contact your employer, except as necessary to verify employment. Applying and getting approved is quick and convenient. Online lenders can approve you application quickly and you'll have the cash you need as soon as the very day you are approved.

PAYDAY LOANS

Payday Loans or Fast / Easy loans are a quick and easy way to get cash when needed, especially in an emergency. For example if you need to pay to have your car repaired or have bills that need payment immediately using a payday loan can be an effective way to get the funds you need. These loans are called ‘Payday loans’ as generally they are short term loans offered to individuals that have a job, but need a rapid loan before their payday arrives. The loan is usually expected to be paid back in full when the individual receives their salary, although there is usually a 30 day period to make the payment.
You can usually get between £80 and £1,000, and this can often be in your account within a day. It is usually required that you have a job (you may need to provide a payslip) and a bank account, though terms can vary from loan to loan. Use the table below to compare fast cash loans and payday advance loans. Whichwaytopay gives you information on loan terms, amount available, required identification and whether you need a bank account. You can even apply directly from this page.

BAD CREDIT LOANS

Bad credit loans are designed for people who have had issues with bad credit. They are also for individuals who have suffered CCJs or been backlisted. Bad credit loans - often referred to as Bad Credit History Loans - are offered by brokers who can check hundreds of lenders on your behalf.

Whether you're looking for a secured or unsecured loan, you will usually be considered on a bad credit loan. This is because your broker will know which lenders are sympathetic to those applicants who have had credit problems.

Click here to check your Credit Rating for free
Make sure you compare providers, as the APR rate may vary and you may be offered a much better deal if you look beyond the first offer. Also note that if you have had problems with repayments in the past, you may find it difficult keep up now - and end up in a trickier situation than before.

COLLEGE LOANS CONSOLIDATION

Federal government student loan consolidations are available to students and parents who have borrowed money to finance education and want to pay off the debts in a manner that is easier and cheaper. While there are many advantages to consolidating loans, there are also some factors to consider before finalizing a plan for federal government student loan consolidation program. Rates may be similar. However, there may be some incentives worth looking into in order to lower the interest rate for one's college debts.It is important to know who qualifies for this consolidating. Either a parent or a student may apply for federal government student loan consolidation. However, the student must be enrolled less than half time in order to qualify. In addition, the college attendee needs to be in a repayment period with their loan, or in a grace period, which is typically the six months after leaving school. Furthermore, to qualify, the borrower must not have previously consolidated their loans. However, if the borrower has lending that has not yet been consolidated with their other loans, they still may be eligible for federal government student loan consolidations. While there are several advantages to participating in these programs, there are some additional things to consider before consolidating. The advantages include getting a lower, fixed interest rate, a lower monthly payment and flexible repayment options. These benefits to federal government student loan consolidations are in addition to the other benefits one probably already has: no fees, charges or repayment penalties and no credit checks or co-signers. On the other hand, the longer repayment term may increase the total amount of finance charges paid over the term. Furthermore, borrowers will not be able to consolidate again, even if the interest rates drop.Some lenders offer additional incentives to bring the interest rate down. If borrowers allow electronic payments to be taken automatically from a bank account, they can qualify for a decrease in the interest rate. If they make 36 consecutive on-time payments, borrowers may be eligible for additional reductions of interest rates for federal government student loan consolidations. Finally, if the borrower consolidates during the grace period, they also can lower interest rates. Deciding whether to participate in such a program is a decision that should take some serious consideration. Not only should one plan on doing research and comparison of federal government student loan consolidation companies, but one should also seek advice from others who can help weigh the decision.

Insurance companies

Insurance companies may be classified into two groups:

* Life insurance companies, which sell life insurance, annuities and pensions products.
* Non-life, General, or Property/Casualty insurance companies, which sell other types of insurance.

General insurance companies can be further divided into these sub categories.

* Standard Lines
* Excess Lines

In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules. The main reason for the distinction between the two types of company is that life, annuity, and pension business is very long-term in nature — coverage for life assurance or a pension can cover risks over many decades. By contrast, non-life insurance cover usually covers a shorter period, such as one year.

In the United States, standard line insurance companies are "mainstream" insurers. These are the companies that typically insure autos, homes or businesses. They use pattern or "cookie-cutter" policies without variation from one person to the next. They usually have lower premiums than excess lines and can sell directly to individuals. They are regulated by state laws that can restrict the amount they can charge for insurance policies.

Excess line insurance companies (aka Excess and Surplus) typically insure risks not covered by the standard lines market. They are broadly referred as being all insurance placed with non-admitted insurers. Non-admitted insurers are not licensed in the states where the risks are located. These companies have more flexibility and can react faster than standard insurance companies because they are not required to file rates and forms as the "admitted" carriers do. However, they still have substantial regulatory requirements placed upon them. State laws generally require insurance placed with surplus line agents and brokers not to be available through standard licensed insurers.

Insurance companies are generally classified as either mutual or stock companies. Mutual companies are owned by the policyholders, while stockholders (who may or may not own policies) own stock insurance companies. Demutualization of mutual insurers to form stock companies, as well as the formation of a hybrid known as a mutual holding company, became common in some countries, such as the United States, in the late 20th century. Other possible forms for an insurance company include reciprocals, in which policyholders 'reciprocate' in sharing risks, and Lloyds organizations.

Insurance companies are rated by various agencies such as A. M. Best. The ratings include the company's financial strength, which measures its ability to pay claims. It also rates financial instruments issued by the insurance company, such as bonds, notes, and securitization products.

Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves. A reinsurer may also be a direct writer of insurance risks as well.

Captive insurance companies may be defined as limited-purpose insurance companies established with the specific objective of financing risks emanating from their parent group or groups. This definition can sometimes be extended to include some of the risks of the parent company's customers. In short, it is an in-house self-insurance vehicle. Captives may take the form of a "pure" entity (which is a 100% subsidiary of the self-insured parent company); of a "mutual" captive (which insures the collective risks of members of an industry); and of an "association" captive (which self-insures individual risks of the members of a professional, commercial or industrial association). Captives represent commercial, economic and tax advantages to their sponsors because of the reductions in costs they help create and for the ease of insurance risk management and the flexibility for cash flows they generate. Additionally, they may provide coverage of risks which is neither available nor offered in the traditional insurance market at reasonable prices.

The types of risk that a captive can underwrite for their parents include property damage, public and product liability, professional indemnity, employee benefits, employers' liability, motor and medical aid expenses. The captive's exposure to such risks may be limited by the use of reinsurance.

Captives are becoming an increasingly important component of the risk management and risk financing strategy of their parent. This can be understood against the following background:

* heavy and increasing premium costs in almost every line of coverage;
* difficulties in insuring certain types of fortuitous risk;
* differential coverage standards in various parts of the world;
* rating structures which reflect market trends rather than individual loss experience;
* insufficient credit for deductibles and/or loss control efforts.

There are also companies known as 'insurance consultants'. Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy amongst many companies. Similar to an insurance consultant, an 'insurance broker' also shops around for the best insurance policy amongst many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.

Neither insurance consultants nor insurance brokers are insurance companies and no risks are transferred to them in insurance transactions. Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies. These companies often have special expertise that the insurance companies do not have.

The financial stability and strength of an insurance company should be a major consideration when buying an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool or other arrangement with less attractive payouts for losses). A number of independent rating agencies, such as Best's, Fitch, Standard & Poor's, and Moody's Investors Service, provide information and rate the financial viability of insurance companies.

Pay Day Loans Offer Help To Many People

When there are still a few days left until payday and life throws you a financial curve ball, consider pay day loans. These loans will allow you to cash a check that the company will hold until your next pay check. They then deposit the check when you get paid and your debt is cleared. Before the days of payday loans, people had to borrow money from friends or pawn their valuable possessions when the unexpected happened.

There are many reasons you may need a pay day loan. Car repairs, medical bills and school fees for your children are some of the top reasons. When you have to be at work the next day, the garage will not hold your check. Pay day loans can have you driving again in no time. Children can be very expensive and when they have school fees that slipped your mind a pay day loan will get you the money you need until your paycheck comes.

Stress and anxiety go hand and hand with money problems. Not knowing how you are going to take care of those expenses will keep you up and night. If you want to be able to relax and get back in control of your budget, apply for a payday loan. The application is easy and does not take very long. Some companies will not even run a credit check, so even people with damaged credit can get the help they need. You can get an answer in as little as a day, sometimes in just minutes. You can be out the door with the money you need in a short time and feel good about fixing your own problems. There is no need to beg loved ones for money or go to a pawn shop. A company that offers pay day loans will hold your check until your next payday.

When you find yourself in a jam and you need money for unexpected bills, pay day loans could be the answer for you. The process is easy and convenient; you can have your answer right away and be on your way with the money you need. Your stress over how to take care of the bills will melt away as you take charge of your situation. Unforeseen bills can really throw your life for a loop, but it does not have to be the end of the world. Relax and head for your nearest payday loan company.

Other Ways to Find Low Cost Car Insurance

You might have heard that you are more likely to get into a car accident than ever to get into a plane crash. For obvious reasons, this might be a good thing, but it also shows how often car crashes occur. If you park your car on your own property, and never drive it anywhere, you might not need car insurance. Yet, most people buy a car to drive it and not just have it decorate their driveway. Thus, if you plan to drive you also need to plan on having auto insurance to protect you from accidents that will most likely happen.

The easiest way for people to save money when looking for insurance is to shop around. As stated above, taking the first quote offered is not in your best interest. The price that one insurance company quotes could easily be triple the cost compared to another car insurance who offers the same amount of coverage. The high cost insurance company may not be trying to rip you off. They may be quoting a higher rate because they consider something as a high risk factor; whereas another company may not see it as being as important.

You receive a quote from an insurance company by adding or subtracting money to your quote after each answer you give. With every company being different you will get a better deal by getting quotes from as many companies as possible.

Another tip on lowering your monthly insurance payment is finding out what category your car falls in to. Due to so many cars on the road, insurance companies have devised a method of dividing automobiles into a series of groups. In all, there are twenty categories. You will find that usually the higher the category your car is in, the higher your premium will be. It is important that younger drivers should get a car in the lowest category to reduce their monthly car insurance payment. It is wise when buying a new car to find out what category your new car falls into and be sure it’s not going to cost you too much to be insured.

The next way to reduce your payment is to keep a clean driving record and build up your no claims bonus. Obviously, it is much easier said than done, but if you have a clean driving record and up to 5 years of no claims bonus you could see a reduction on the amount you pay for your premium by as much as 75%.

Improving your vehicle’s security can considerably reduce the amount you pay. Having an alarm will get you a small discount. Also, by having a tracker fitted to your car will help you see a bigger reduction in your monthly premium. Surprisingly enough, even where you park at night will help to lower the amount of your car insurance. If you select to park on a driveway rather than on a street you should see a 5% difference in your premium.

Other effective ways to lower your premiums are to take an advanced driving test, pay your premium annually instead of monthly, remove unnecessary drivers from your policy, and reduce your annual mileage.