Policy Articles

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6 Things to Keep in Mind before Buying a Health Insurance Policy
In today’s time of rising medical costs, a health insurance policy ensures that the one insured is not deprived of timely medical attention. But, to ensure that the health insurance policy pays off, one should keep the following 6 things in mind before buying it.1. Disclose all the other health policies It is a bit natural for people to buy more than one insurance policy to ensure that the cost of ailment is covered. However, not declarin...

Compare, Review, Purchase Life Insurance Policy with Suggestinsurance.com
It can be so confusing and downright overwhelming to find the right life insurance policy. With so many options to choose from and policies seemingly similar with one another, how do you go about choosing the right one? You can compare and review life insurance policies with Suggestinsurance.com. We make it easy to compare rates and features of different policies from different insurance companies, all with just a few clicks. Buying the ri...

How Is a Term Insurance Policy Beneficial?
In order to understand how a term life insurance policy can be beneficial to us, we first need to understand, what it actually is? In simple terms, an insurance policy that insures you for a fixed term or a fixed period of time is called a term life insurance policy. Here, the term is your life and the insurer insures you with a financial backing against loss of life. Such an arrangement is necessary for people who are responsible for the financial...

Choose the best insurance policy for family safety
Life is rat-race. Even youngsters or rather college or schools goers are under tremendous pressure to excel ahead, while adults are already caught up in a perpetual race to succeed. Unexpected emergencies in the midst of life can actually bring life to a standstill and cause huge financial loss. Most affected are the ones who don’t have adequate financial security. When the earning member of the family suddenly passes way or gets permanent di...

How Professional Brokers Helped Me Get a Rewarding Family Floater Policy
Recently, I had made my mind to get a family floater policy that can help my family stay on the safer side. I witnessed one of my friend's struggle when he had to settle the medical expenses for his son, who unexpectedly was caught in a viral epidemic. I realized that running for money in the last minute from can be exhausting, and in addition to that managing the stress factor is something terrible to bear. I never wanted to be caught in such pr...

Buying Life Insurance Policy with Suggestinsurance.com
Suggestinsurance.com is one of the best places to purchase a life insurance policy. It has a user-friendly website that allows you to compare policies from different companies. They havqualified and experienced professionals that can assist you in finding the best life insurance policy that fits your profile, life stage, budget, and lifestyle. Here are some things you need to figure out to make insurance-buying easier: Review your expend...

Points To Remember Before Buying Life Insurance Policy
If you are in the market for a life insurance policy in India, then there are several things you need to know before you make a purchase. Here are some of the most important:  Familiarize yourself with the types of insurance available - There are two types of life insurance: (1) cash value and (2) term life. Cash value insurance comes in the form of whole life, variable life, and universal life. Term insurance is more affordable in terms...

Why is Retirement Insurance Policy Important?
Retirement Insurance Policy refers to the allocation of savings for retirement and it is one of the most important life event. The goal of retirement planning is to achieve financial independence and the reason why you need to save for retirement is because it is your life.All of us would like to retire comfortably but the complexity involved in achieving our retirement goals successfully requires us to make a sensible planning and years of persi...

How to combat during health crisis with right medical cover?
Medical insurance policy is a contract between the insurer and the policy holder wherein the policy holder pays a fixed sum towards his or her insurance policy and the insurer in return promises to bear the money spent by the policy holder during hospitalization. While opting for a medical insurance cover you receive a reimbursement for the hospitalization charges that have been incurred and the medical or surgery that you or your family member has...

Who Buy Traditional Endowment Policy
A traditional endowment policy is a life insurance contract designed to pay a lump sum after a specified term (on its 'maturity') or on earlier death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness.Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds).Endowments can be cashed in early (or 'surren...

Home Owner's Insurance Policy - Learn More And Save Money
We buy insurance all of our life. We sometimes do it indiscriminately. There are times when people will buy a home and the homeowner?s insurance policy is just something that is needed to make the closing run smooth. The home policy protects the largest asset that most of us will ever purchase and so it makes sense to learn the basics. The Homeowner?s policy has multiple benefits and features and is probably the best and most affordable policy that...

Life Insurance. Bargain Life Insurance When You Take Out A Pension Policy
At last, a real life insurance bargain ? but as always there are strings attached! If you take out a new pension policy after 6 th April 2006 and within the same premium pay for life insurance cover, then you can use your pension contribution tax allowance to reduce the cost of your life insurance. This means if you're a standard rate taxpayer, you'll receive 22% tax relief on your life insurance premiums and relief at 40% if you're a higher rate...

How To Choose The Best Life Insurance Policy
Choosing the best insurance policy is quite a daunting task. Many insurance agents or companies are quick to tout life's virtues in part because of its high commissions. However, in reality, there are many factors that you must consider before deciding on the best insurance to buy for you and your family.Before one decides to get insurance and waste all your time deciding what policy is best for you, consider this first:Do I need a life insuran...

How to Get Your Bike Insured In Case of Expired Policy
Owing and using a bike is a huge responsibility and with this responsibility comes a sense of protection and security. For most of people, two wheelers are a priced possession and an object of necessity. Similarly having a two wheeler insurance policy is significant if you want to protect your vehicle against unexpected damage, theft or any other mishap. The time to time renewal of bike policy is not only crucial but it is also very beneficial. In ...

You can happily port your health insurance policy
Rohit was not happy with their existing health insurance service provider  as there was a hike in the premium for three year old policy and decided to port it to the new insurer. However, he was worried that  the new insurer will treat him as fresh policyholder and impose a waiting period for the pre-existing diseases.But, IRDAI guidelines on health insurance policies portability terms and condition ensures that Rohit was able to switch...

How To Choose The Right Life Insurance Policy
Life insurance ? what is it & how does it work?Life insurance is the simplest, most popular and cost effective way to financially protect any dependants in the event of your death. While it won?t help those left behind to get over their loss, the benefit of a lump sum, in most cases tax-free, will guarantee your family aren't deprived of funds during an already stressful time.With the cost of life insurance at an all time low, now is the perfec...

Things to know about the taxability of life insurance Policy Payouts
When we talk about tax saving instruments, then most of the individuals use insurance products to do so. People generally find tax planning complicated and confusing. According to Income Tax Act, the life insurance policies premium paid up to Rs1.5 lakh are exempted from tax deduction under section 80C. According to financial experts, it is advisable that a person should not mix their investments and insurance needs. It is important to know in deta...

5 Things To Consider Before Buying Car Insurance Policy
Unquestionably, the ecstasy of getting a new car of your own is a heady experience. However, there are crucial factors to be considered once you have acquired your dream four-wheeler. Car insurance is one of the biggest mandatory obligations of owning a vehicle. You need to be extremely cautious while selecting a car insurance policy. Here are some critical things to consider before you buy your car insurance policy.Know what you are covered ag...

The Life Insurance Policy and What You Need to Know Before You Buy
Looking for a life insurance policy? Then, be careful... because life insurance is difficult to understand. It's easy to be conned into buying something under false pretenses.Recently a prominent life insurance company together with several of its agents paid a huge fine because it permitted the sale of a life insurance policy disguised as a retirement plan.Little attention was paid to what a life insurance policy is truly designed to provide....

New Health Insurance Policy: Understand What You Are Paying for
Feel free to print/reprint this article in its entirety in your ezine or website as long as you leave all the links in place. Don't modify the content and include the resource box as listed. Please send a note when it is used. Thank you. You now are the owner of a new health insurance policy because your place of employment changed providers, but you do not have the first clue what the new policy covers. The first thing you should do is take a m...

Cheap Life Insurance Policy
A Guide To What to Expect From Your Life Insurance Policy The average life insurance policy isn?t hard to understand ? you take out this kind of policy to basically get life insurance cover to protect your family. So, if you die unexpectedly, the insurer you are signed up with will pay out on the policy to give your next of kin a lump sum or an income according to the terms of your agreement. In most cases you will pay for your life insurance pol...

BENEFITS OF ENDOWMENT INSURANCE POLICY
BENEFITS OF eNDOWMENT INSURANCE PolicyA person always dreams to provide the best facilities for his family members. Once he starts earning he sets a goal to buy a house, a car, to get married and later he plans to provide the best education for his children. He always wants these facilities to be there after he retires, and even after his death.For such requirements, Endowment Plans are the most preferred Benefits of Endowment Plans...

Things To Consider In Buying Homeowner's Insurance Policy
While purchasing a homeowner?s insurance policy, one must be very prudent in choosing the right agent. It is very important to choose a reliable person as your agent as he has a great impact on the decision you make in choosing the right homeowner?s policy. There is no doubt that agents are the experts and are well versed with homeowner?s insurance policies. They are the right people to help you choose the correct one. While choosing a homemaker?s ...

Calculating your needs before policy purchase is crucial
Planning is always better than last moment hassle. We plan for various occasions in life such as anniversaries, birthday parties,  child’s marriage, child education, etc. but planning for family's future is equally important. Infact, future planning comes first, it is only after you plan well for the future you’ll enjoy the true essence of your day-to-day socializing. An individual who has to undertake responsibilities for their fa...

Which is the Best Life Insurance Policy?
When you're searching for the best life insurance policy for you, one of the most important considerations is the type of insurance you're purchasing. While the differences between these policies aren't always explained very well, they offer different coverage, different premiums, and different exclusions and so should influence what you purchase.Life insurance falls into 4 main categories though it can often look like there are more because diff...

How to Choose The Correct Life Insurance Policy
Choosing the correct life insurance policy does need due diligence. What may seem like a mammoth task, can be simplified by asking yourself- What are the goals that you want to achieve in life?What are your priorities- securing the future of the dependant family in worst case scenario of your passing away, child education insurance, marriage, buying a house, car, holiday abroad every year, supporting parents, retirement planning.Next step is to...

Why should you Buy Long term two-wheeler Insurance policy?
As the number of two-wheelers grows exponentially each year, the number of vehicles which are insured will go up as well. Buying a long term insurance policy for your two wheeler has its own advantages such, ”No Claim Bonus” discount protection and freedom from annual renewals. Below are some more advantages of buying this insurance policy 1. Avoid onrenewal related risksThe insured is exposed to certain risks in case of non-...

Individual Health Insurance Policy? The Tool for One and for All
The main aim of every person is lead a life that is hassle free, devoid of any health issues. However, with majority of people leading a stressful lifestyle disease are rampant. The proof of this revealed by the statistics wherein the fast paced life leaves little time behind to take care of health. Add to this, the escalating medical costs. No matter how much is there in store, major health treatments can drain all the savings. This is when indivi...

Finding the Best Term Insurance Policy with Suggestinsurance.com
There are different types of term insurance policies available from various companies to suit varying needs, budgets, and lifestyles.  Suggestinsurance.com can help you find the right term insurance policy. This website compares insurances from top companies such as Bajaj Allianz, Max Life, HDFC Life, Exide Life, Aegon Life and more. There are generally two types of term insurances available: decreasing-term and level-term. The differ...

Auto Insurance Guide- Get your Auto Insurance Policy
Auto insurance provides complete protection against losses happened as a result of vehicle accidents. Normally it includes car insurance and motor insurance. The customers purchase this insurance policy just to reduce the risk incurred due to accidents of cars, trucks and other vehicles. People can also secure their vehicles against theft, fire damage or accident damage. Auto insurance policy may cover insured party, insured vehicle as well as th...

What Does Insurable Interest Mean on a Life Insurance Policy?
People often have many questions about life insurance policies because of how intricate and complex these policies and contract can be. One of the most popular questions that many people have when it comes to life insurance is what insurable interest means or refers to within the terms and context of a life insurance policy. Insurable interest refers to those who are potential beneficiaries with a vested interested in the life, rather than the deat...

Be Tension Free with Insurance Policy
A two wheeler gives you a sense of freedom and two wheeler insurance policies have been designed to keep you secure. Two wheeler policies cover your vehicle for up to 3 years which provides complete protection for your bike against physical damage & theft. Bike insurance is a policy that can be bought online too. Insurance policy is very necessary for everyone because it keeps you tension free. There services are available for 24x7. They also o...

Does your Family Health Insurance Policy have following three features?
Good health is surely something that we all crave for. We wish to stay fit and healthy. However, these days most of us are mostly surrounded by some or the other ailment. Family floater policies, in such scenario, can make health care a bit affordable for your family.Family floater policies have many advantages over other health plans. Such as lower premiums and better coverage and additions to the scheme of new family members. But some features ...

Advantages of a Whole Life Insurance Policy
To begin with, you need to understand that life insurance falls into two very broad categories: Whole and term. The basic difference between term and whole life insurance is this: A term policy is life coverage only. In whole life insurance policy, as long as one continues to pay the premiums, the policy does not expire for a lifetime. As the term applies, whole life insurance provides coverage for the whole life or until the person reaches the ag...

Customer Service Policy Geared For Excellence
One unhappy customer will tell the world about inferior service while a happy customer rarely tells a soul. Your challenge as a business owner is to create a buzz so positive about your products and services that your clients and customers will become your raving fans and will tell the world about you! Your lesson for today is to put pen to paper and write a rock solid customer service policy for your business. This policy should state explicitly ...

Term life insurance: Policy features that aspiring buyers might find useful
 Those looking for insurance coverage for the possible solid expenses in life can take a look at the term life insurance policy, a product of the insurers that has been specifically designed to cover either medical, or non-medical policies. A term life insurance can be opted for possible medical expenses in the future, but you have to clear a medical test at the starting. However, without going into details, there are certain features of...

What To Look For In A Home Insurance Policy
If you have never had home insurance coverage before then you may feel like you need someone to explain it to you. After all, not every policy is the same. Some are very different but no prior experience in this particular field may result in all the information that specialists will throw at you going straight over your head. It can be difficult to make sense of all of the jargon associated with a home owners insurance policy, but if you know the ...

Use online help on non-compete agreement or public policy
Both a non-compete agreement and a public policy relate to both companies and individuals. Both these terms have legal clauses attached to them that cover page after page. It is really not possible for companies and individuals to understand all the clauses and fight accordingly in a court of law. If you have issues pertaining to either of these the best thing to do is to seek a legal expert. To select a legal expert all you need to do is search on...

Protect family, assets and business with online insurance policy providers
Security and protection of life and every asset in today’s time has become really important and necessary for everyone. It’s a universal fact that nobody knows what the future holds for them. Hence, the social as well as financial security for the family member and every other asset in life is important. One never knows that what uncertainty may harm them or their valuable assets. The Georgetown Insurance providers offer every type of i...

Should Your Life Insurance Policy Be Written In Trust?
According to one of the largest UK life insurance companies, just 1% of life policies are written in trust. That is disgraceful and reflects poorly on the financial industry. Let's explain. If your life insurance policy is ?Written in Trust? then, in the event of a claim, the insurance company pays out directly to the beneficiaries you name on the policy. The significance of this is easily missed. It means that if the policy is ?Written in Tr...

The Different Elements Of A Car Insurance Policy
The phrase ?car insurance? implies that what you are insuring is your car, but the realities of car insurance are a bit more complex than that. When you purchase a comprehensive auto insurance policy, you are protecting yourself from the costs of damaging your car, but that is just one element that makes up full automobile insurance coverage. You need insurance that can cover the legal fees that may result during a lawsuit if you take another drive...

Is It Time To Reconsider Your Automotive Insurance Policy?
Americans are a busy group of people, and once we take care of something, such as purchasing automotive insurance, we tend to forget about it and move on to the next task. However, purchasing an automotive insurance policy only to neglect it could end up costing you more money in the long run, or even leaving you unprotected. There are times in our lives when we need to stop and evaluate our current automotive insurance policies.Reconsider your a...

Do You Need A Life Insurance Policy?
One question that's asked by nearly everyone eventually is "should I get a life insurance policy?".Life insurance pays out a benefit when the person insured dies during the time that the policy is in force. It can provide the cash needed to pay for burial, pay off mortgages and loans and give your family a financial cushion while they get back on their feet. When you're young or have little discretionary income, it's easy to tell yourself that li...

Common Mistakes People Make While Purchasing Halifax Home Insurance Policy
Most homeowners learn about their home insurance policy only when a problem or disaster happens. The sad truth is that it turns out that what they received as a home insurance is not exactly what they needed. By the time they find out that they are not completely covered by their home insurance policy, its usually too late. That is why, it is helpful to know about what common mistakes people make while purchasing a Halifax home insurance policy, so...

Motor insurance policy
Find a very good motor insurance policy would be an amazing encounter while using the increasing amount of insurance providers in a hostile manner remains competitive for the small business. You could be many informed about the Glico, all talk about Gradual along with Point out Town since they’ve been clamoring to your form focus using advertising campaigns including discussing geckos along with cheery, chocolates-haired cashiers.Yet you&rs...

How Many Excesses Does It Take To Make A Travel Insurance Policy?
No one likes to think that bad things will happen while you're on holiday, but it becomes a reality for lots of travelers every year.The right travel insurance policy can reduce the impact that injuries, illnesses, delays and lost property have on your precious holiday time. Finding the right travel insurance policy, unfortunately, is not as easy as ticking off the box next to "Do you want travel insurance?" at the travel agent. In fact, that cou...

Taking A Life Insurance Policy! What?s The Big Deal Behind It?
Life was never certain, but in recent times it has become even more unpredictable. We all work very hard to live a comfortable life and help our family members to do so too. But sometimes there are twists in the story and an unfortunate death creates an unmanageable chaos. To help fight it, there are life insurance plans companies that come to your rescue in providing at least the financial support.Most people are only aware that life insurance p...

Understanding your medical insurance policy?
Buying medical insurance is a must for a responsible family oriented person in today’s time of growing uncertainties. But purchasing the right medical plan could be quite a daunting task, with a lot of conflicting information doing the rounds in the market. Thus, the article gives few facts about medical plans that should dispel the confusion in consumer minds:There are two types of medical covers: Cashless claim or reimbursement. If you vi...

Tips For Choosing A Health Insurance Policy, Part 1
Choosing a health insurance policy is a very important decision and will affect your health in either a positive or negative way, depending on your choice. You will want to be sure that you pick a health insurance policy that will have you covered when you need it. If you are not sure how to pick a health insurance policy for you and your family, consider the following helpful tips. Following these tips can help you pick the best health insurance p...

Guide on How to Choose the Best Medical Policy
With the rising cost of private medical treatments, there are many reasons as to why one should opt for medical insurance policy. The obvious reason explains that the individual gets the peace of mind that he/she is covered if private treatment is required.With many people looking to buy private medical insurance with varying budgets and requirements, the count of policytypes and different levels of cover has also increased tremendously in the...

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