Archive for the "Insurance" Category

Article Car Insurance Agents

Posted by: Adminin Insurance
4
Dec

Car insurance is an imperative element in today’s fast-paced world where cars are not a luxury; rather, they are a necessity. Insuring your car safeguards you financially from unforeseen situations such as accidents, natural disasters, theft, or even third-party liabilities. Amidst all these factors, one key player who acts as a bridge between the car owner and the insurance company is the car insurance agent.

A car insurance agent is a licensed professional approved by the state to sell, solicit, and negotiate insurance policies. They ultimately help policyholders understand their coverage, terms, and conditions. Car insurance agents can be classified into two categories: Captive agents and Independent agents.

Captive Agents versus Independent Agents

Captive agents are those who work exclusively for one insurance company. They are well acquainted with their respective company’s insurance products and offer solutions that align with the company’s guidelines. On the other hand, independent agents work with multiple insurance companies. They are able to provide a broader perspective and more options to their clients since they are not restricted to one company’s offerings.

What Can Car Insurance Agents Do For You?

Car insurance agents provide a multitude of services that span from advising on the appropriate insurance policy to helping you during the claim settlement process. They assist in identifying comprehensive coverage that suits your individual needs and budget constraints. Additionally, agents can guide you through complex policy terms and details, enabling you to make informed decisions.

Agents also help you to green slip compare – a process vital in identifying the best cover to protect you, your vehicle, and third parties in case an accident occurs. A green slip comparison can help you secure the best value for your money by presenting you with various quotes from different insurers, hence ensuring that you don’t overpay for your insurance.

Why Engage A Car Insurance Agent?

Directly buying insurance from a company may seem faster and cheaper since you eliminate the middleman expense. However, having an agent could reward you in ways you wouldn’t realize until you find yourself in a tight spot.

Agents with their extensive expertise, advise you on additional coverage that you might miss while buying online. They provide a more personalized service, understanding your unique requirements, and suggesting suitable policies. Car insurance agents also aid in updating your policy when necessary, for instance, when you purchase a new car or when the state laws change.

Another crucial service they provide is during the claim settlement process. Agents represent you to the insurance company, making sure that all your documentation is correctly submitted and that you receive a fair claim as early as possible.

Conclusion

While technology has simplified insurance buying to a great extent, the human touch and assistance that a car insurance agent offers cannot be overlooked. They provide an extra layer of protection and guidance throughout the lifecycle of your insurance policy. It’s always good to keep in mind that car insurance is not just an annual commitment but an ongoing one. Therefore, having an experienced and knowledgeable agent by your side will ensure that you are always well covered and ready for the road ahead.

Acceptance Auto Insurance Important Roadmap

by

Deepak KulkarniFinding specific information about Farmers Auto Insurance might not be easy, but we have gathered very helpful and relevant information about the general subject matter, with the ultimate aim of assisting you out. Even if your search is about other Farmers Auto Insurance information, such as Overseas Auto Insurance, Safe Auto Insurance Quote, Collector Car Insurance Rates, Progressive Car Insurance Com, California Low Cost Automobile Insurance or even Free Car Insurance Quotes In Canada, this article will prove very helpful, to say the least.

Another useful tip is to ask for higher deductibles. What are deductibles? Deductibles are what you usually pay before your car insurance policy kicks in. Asking for higher deductibles will lower your costs tremendously. On a cautious note, before settling on a higher deductible, be sure that you have enough money set aside, just in case you have a claim.

One of the main things which is most likely to affect the cost of your monthly insurance premium or rate when you are buying auto insurance is the way that you drive. If you have made a lot of auto insurance claims in the past then the costs are going to be higher. Learning to drive more carefully is not only good and safe for you; it also has the potential to drastically reduce your auto insurance rates if you can show a pattern of safe driving. This means no vehicle accidents and very few if any speeding tickets from your favorite law enforcement officers.

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Always try to maintain a good credit record. This assists in fetching you a good insurance policy for most often insurers use the person’s credit information to rate auto insurance policies.

MEANWHILE — I hope you have been able to get a full grasp of the main points related to Farmers Auto Insurance or other related Baker Auto Insurance, Ohio Free Car Insurance Quote, H1b Insurance, Safe Auto Rates, Insurance Cost for a Car and Cheap Motorcycle Insurance Quote in the first half of this article. Whether you answer Yes or No, keep reading as there is a lot more to uncover in this article that will excite you.

The first method to getting low auto insurance cost is to get rate quotes from several different insurance carriers. There are many types of insurers out there, so you should consider the type of company as well. There are low cost auto insurance companies that sell online exclusively. There are those that sell only through outside agents. There are low cost insurance companies that sell only their own products.

Installing a vehicle recovery system such as Lo-Jack or Tele-tracer could save you up to 7-10% per year. There are other relatively inexpensive anti-theft devices such as “The Club”, which locks the steering wheel in place, as well as having your Vehicle Identification Number (VIN) etched on each window.

Don’t forget that even if your immediate Acceptance Auto Insurance quest isn’t answered in this article, you could even take it further by doing a search on Google.com to get specific Acceptance Auto Insurance information.

Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occur at intersections. Make sure to look ahead if you plan to quickly change lanes after an intersection. Pay attention to be protected left turn lanes with their own arrows, and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesn’t push you into oncoming traffic.

Many people that searched for Low Cost Auto Insurance also searched online for Cheap Car Insurance For A 17 Year Old, NASCAR Credit Card, and even Affordable Car Insurance.

So here is chance to get your free tips on

Cheap California Auto Insurance

and in addition to that get basic information on saving money visit http://information-get.com/autoinsuranceblog

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eArticlesOnline.com }

Not all hospitals are created equal. Most people don’t really thing about the selection of a hospital. When they need a procedure done they often times go to the hospital the doctor doing the surgery is affiliated with. In emergency situations, people are either taken to a hospital where the ambulance takes them or go to the nearest hospital from where they presently are. People often do not even know if they are being medically cared for by a reputable hospital.If you want to locate the best hospitals in your area you can do some simple research. There usually is rating information on the hospitals in your area. Good hospitals are often nominated for excellence in certain categories. You may not be fortunate to live near a top rated hospital. IF you feel you need to be treated in one that has received top ratings, you may find yourself traveling outside of your general vicinity or even your state. It is important to make sure you have extra costs due to traveling that your insurance company won’t pick up.For the most part health insurance is regional and while some plans will pick up additional expenses for outside providers they usually do so at a much greater out of pocket expense to the patient. It is for this reason that many individuals are limited to receiving less then top notch care at their local hospital instead of seeing the top specialists at a top ranked facility.If you know you are going to need a lifesaving medical procedure you may want to check U.S. News to find the top ranked hospitals and doctors who specialize in the procedure you need done. This list will also provide a list of those regional facilities in your area that are rated better than others. Then the next step is to contact your insurance company.All in all there are many reasons to seek out a hospital that has an excellent reputation and offers the best possible care with the primary reason being of course your safety. Not all health care facilities put the patient’s needs first but there are many good institutions out there so be sure to keep looking until you find the best one available in your area.

With a little research, you will discover there are several ways to secure health insurance. Your employer, a organization you are a member of, or purchasing one on line are just a few easy ways. Private health insurers cover most individuals and families. The exception to this would be military insurance, Medicaid or Medicare, that is provided by the government. If you are part of a government insurance plan, you should already know the routine of choosing a option of coverage for your family. This is just standard procedure.Health care through an employer is perhaps the most recognized form of being insured. They not only are the most affordable coverage for an individual or family because of the group category it falls under and being able to spread out he risk factor. These employer plans are great for insuring family members and other dependents as well as the employee. This plan is very affordable because it requires everyone involved to help shoulder the cost and not being a burden for one party. You will find that this employer based health insurance is a really good reasonably priced insurance plan to be a part of.Health insurance options cover most any specific need. Owner employers know they have available plans, that will provide free of charge coverage to their employees. Even tho they are paying all the premium, this insurance coverage is only for the specific employee of a specific company and not members of the employees family.Those not covered by one of the government sponsored health care programs, or those who are not, for whatever reasons, covered by health insurance offered by their employers, will usually resort to directly purchasing their own individual or family health insurance coverage through a direct purchase plan. These are normally much more expensive and in some cases very expensive than the group related policies. The increased rates are due in part by the risks associated with the ensure. Because of the number of persons insured under the policy, the risk cannot be spread out far enough to bring the premium cost down to more reasonable rates.There are many different private pay health insurance options available but if you have the opportunity it is best to purchase health insurance through your employer. This is the best way to save money and get the health insurance coverage that you need for yourself and your family.

California Auto insurance quotes- weigh and consider the modalities

by

Richard Hogh

Vehicles vary in their use, kinds and types. For reasons of safety, security and responsibility; owners, users and drivers prefer equipping their vehicles with a suitable policy of coverage. There are plenty of policies to bank on, and you are supposed to be complying with the legal guidelines of a state before owning and purchasing one of the most relevant insurance policies on vehicles. For instance, Californians are supposed to be holding insurance policy with a minimum focus on damage, injury and death. Difference in conditions of death, damage, injury and the numbers of persons affected by these in turn, influences the cost factors. The bare minimum requisites are supposed to be complied with. But before selecting an auto California insurance quote, which is well beyond the bare minimum requisite, you need to figure out the intensity and extent of use. How extensively, you are found using the vehicle is one of the important factors of selection. In this context, it is important to bear in mind, that Auto California Insurance Quote with a specialized focus on liability protection is not necessary for vehicles of specific kinds.

For using automobiles registered with a governmental facility, you aren t supposed to own liability coverage. So, as far as the choice of California auto insurance quotes is concerned, you are supposed to go according to your needs. The legal modalities of California, vehicle type owned the frequency and purpose of use are some of the important aspects of consideration. Visiting the insurance department in person or scrolling through its website can help guide your insight, so that you know what suits the requirement of your vehicle. Before sealing your deals with one of the most optimum California Auto Insurance Quotes, you need to take a thorough analysis of the terms and conditions. Weighing these terms and condition in light of the bare minimum requisites and legal requirements of California is immensely important.

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Insurance Quotes California Auto is easy to avail and access. The process comes free of cost. There are different packages to choose from. But it is always better to select one that is comprehensive as well as, cost effective. It is unnecessary going for one that exceeds your existing capacity. As and when you choose and purchase a package, you are supposed to live up to its terms and condition. With the failure to do the same and with the possible lapse of an insurance plan; the registration of your vehicle is likely to be affected. This makes it mandatory on your part to see through the fiscal effect of the different insurance quotes California auto.

There are websites in plenty, and most of these are found upholding auto insurance quote California provided by different financial forums. With your request, and entry of the relevant code of zip, and address of mailing; you will be facilitated with a cost free auto insurance quote California. Despite getting a cost free access, you are under no compulsion for purchase.

The different web based forums do realize your need for comparison. Before banking on one of the most suitable service facilitators, you will obviously be in for a comparative study of California Auto Insurance Quote. One of the most leading aspects of advantage relates to the time effectiveness of the online facility. You needn t barge offline, and from the deals of comparison to that of purchase, California auto insurance quote can be processed with an online scroll.

Richard Hogh is an author of this article who writes about

Auto California Insurance Quote

, Auto Insurance Quote California,

California Auto Insurance Quote

, California Auto Insurance Quotes, Insurance Quotes California Auto. For more information visit: – http://www.fraisseinsurance.com/

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ArticleRich.com

By Joseph Kenny

If you are researching mortgages online, it is likely that you will come across a thing known as a mortgage calculator. Mortgage calculators can be found on a number of websites. Many of these websites are run by mortgage lenders and others are run by those who just wish to supply internet users with valuable information. If you have never used a mortgage calculator before, you may be wondering exactly what one can do for you.

Mortgage calculators are calculators that are used to help you determine how much you will have to pay to own a home. Mortgage calculators vary, but many are designed to tell you what your monthly mortgage payments will be. The same information can be obtained by speaking to a mortgage lender or another financial lender. However, many prefer estimating the cost of owning a home from the comfort of their computer.

To determine the cost of your monthly payments, you will need to provide a little bit of information. Since mortgage calculators do vary, you may find calculators that require different information. The information most often needed is the amount of your loan, the term of your loan, and the interest rate.

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If you have yet to obtain a mortgage, the information you supply will need to be a close estimate. Loan terms are usually in five year increments, up to thirty. The loan amount will often be the dollar amount of the home that you are interested in purchasing. Interest rates can be as low as four percent, but as high as ten. Since mortgage calculators are easy to use, if you are unable to come up with an estimate, you can try a combination of choices to give you a monthly range.

As previously mentioned, mortgage calculators can be obtained from a wide variety of different places. Mortgage lenders tend to update their sites more often than individuals that just have a website with free information on it. For an up-to-date and accurate mortgage calculator, you may want to consider visiting the website of a mortgage lender. Even if you do not plan on obtaining your mortgage through that lender, you should still be able to use their mortgage calculator.

When searching for a mortgage calculator, you will find that most calculators are free to use. In your search, it is likely that you will come across a number of websites that want you to pay a small fee to use their calculator. If you want to pay the fee, you can do so. However, it is important to remember that you do not have to. The information obtained from a free mortgage calculator should be the same as the information obtained from a mortgage calculator that costs you money. Since the information is the same, you are advised to save your money.

With most mortgage calculators, you are often only required to answer three simple questions. Since they are easy and quick to use, why not at least give them a shot? You may be surprised to learn that the house you thought was out of your reach really isn’t any longer.

About the Author: Joseph Kenny writes for the Personal Loans Store, offering tips on loans and read the article on best mortgage lengths.

Source: isnare.com

Permanent Link: isnare.com/?aid=74671&ca=Finances

Executives need to realize that they cannot afford to undertake international expansion without seeking external advice. In the post-Enron corporate world, buyers need to be more educated about where to obtain advice. In turn advisors, need to face up to the increasing barrage of scrutiny from firms and answer one fundamental question. Do I have realistic knowledge, resources, experience and commitment to be able to provide good international advice?There is no better way to raise the collective blood pressure of an organization than to encounter all sorts of unexpected problems associated with international expansion. If the world is becoming a smaller place, then how is it that many firms still continue to experience unexpected jolts and bumps along the way? Like the proverbial pedestrian who walks straight into a lamppost that is plain for all to see, executives then ask themselves why they didnt see this coming. Perhaps we should have taken advice after all they tell themselves, but then again, we sought counsel, and take the view that no advice is better than bad advice!In the post-Enron world this dilemma is a perfectly natural response for a firm that is finding its way on the international stage. Executives realize on the one hand that they cannot afford to go it alone, but on the other hand remain ambivalent about the quality of advice they receive. The recent scandals of Big Business in corporate North America have filtered their way down to the realm of small to mid size companies the world over, stoking the engine of client skepticism and rage. Consultants continue to bear the image and reputation of borrowing your watch to tell you the time and then walking away with it. Lawyers, accountants and tax advisors are called to account on the high fees that are charged, and of trying to be all things to all men. Economic and international trade advisors are called to question, either because they are perceived as failed businessmen, or because they simply dont have the relevant and necessary experience.Shortsightedness can occur easily when a company decides that it can go it alone, and that it knows best. This will in turn create a problem that will give executives really something to worry about on the international stage the prospect of failure. Neither will you have all the facts and options at your disposal, nor will you have an external sounding board that can tell you how things look from the other side of the fence.Ultimately then, the success of a company going international is best served by a strong culture that openly welcomes external counsel at the outset, and follows basic principles regarding how to go about obtaining that advice:1.Trust: Good advice starts with those you know and trust. Work your network and spot the international talent that can help you.2.Focus on ROI: Expensive international advice is not necessarily the best international advice. Pay by results if you can, rather than time. 3.Challenge: If you are seeking international advice, then by default, the person in front of you will have the right credentials. Even if you are taking on the services of a consultancy or trade advisor, you have a right to challenge the background, experience and qualifications of the person in front of you. If in doubt, move on and spend your investment money elsewhere.4.Segment: Be wary of the hallowed oracle! Break down the advice and guidance you need into its lowest element and closely match the type of advisor to your problem. There is a tendency to expect all the answers from one single advisor, such as an accountants, lawyers and consultants they are not able to do that, even if they say they can, at least not on the international level.5.Work around the problem: Public organizations are often slammed hard with the phrase pay peanuts and you get monkeys. This is a weak excuse for not using these organizations. They have been established with public money to help you, and generally provide a good infrastructure. Throw caution to the wind and find out from your OWN experience. If you then have an issue with either an individual or the quality of advice you have received, voice the issue at a higher level there will be somebody within the organization tasked with putting solving the problem.With the rising pressure on firms worldwide to look beyond their domestic borders, buyers will become increasingly relentless in their quest for top quality counsel and information. That means that advisors in every field of expertise will need to continuously demonstrate their own knowledge, resources, experience and commitment to providing good international advice.As all in the advisory fraternity agree in the aftermath of the Enron scandal, it unfortunately only takes a small element to sour the reputation of the rest of the community who have worked hard to earn that trust. Moving forward, advisors in whatever capacity may wish to consider the following:1.Know your limits: There is no better way to build credibility than by saying: I cant help you, but I know somebody who can. If you really dont think you have the expertise, dont do it. Refer the business.2.Form alliances: If you are building an international capability into your existing advisory or consulting practice, then start by forming alliances, so that areas of expertise can be cross-referred, even on a finders commission basis.3.Recruit experienced individuals: Advisors increasingly need to show their strong international and commercial background. That means having in place budgets for attracting, motivating and retaining top quality individuals into organizations who are uniquely familiar with the international challenges and issues of the area they are advising. 4.Performance and measurement: Ensure that you have a quantitative, results-based infrastructure in place. This infrastructure should not only recognize the efforts of your best advisors, but will also weed out those few mediocre unresponsive individuals intent on riding on the back of the rest.5.Avoid complacency: The world changes rapidly. So does information. Stay on top of your field of expertise.6.Give it to them in a language they can understand: Advice needs to be delivered in a way that is easily translatable into everyday, practical situations. Dont give clients an excuse to see your hard-earned work end up on a bookshelf collecting dust.7.Consider your options: Finally, to those very few who enter the field without the proper background and experience, or who are not taking their role that seriously, you are not only doing yourself a disservice, but also those of your advisory fraternity. Frankly, you should consider a career in landscape design.In summary, an indication of the strength of an executives commitment to international success is his ongoing determination to continue seeking external counsel, realizing that not all advisors can be tarred with the same brush.The mountaineering and sports clothing manufacturer Berghaus sums it all up in a recent advertising campaign. A photo showing world famous climber Chris Bonnington reaching the summit carries a great strap-line Trust is earned! International advisors in pretty much every capacity face a steep climb as it is. If we are to encourage firms to continue relying on external advice, lets not allow the a few misfits to spoil it for the rest of us who have worked so hard to earn that trust.

Submitted by: Buck Weng

After you do not like the monthly premium you might be asked to pay for car insurance by a firm, you search for a further one. That is definitely the all-natural instinct; but I feel you should think about the level of coverage that the deal is providing you too. If you happen to still don’t like it, walk.

Cheap car insurance is priceless and not that convenient to come about. In spite of this, when you are meticulous about it, you ought to have the ability to get 1 on the web. I mean, with all the vast resources of the net at your disposal, it’s undoubtedly a sure-fire way to get what you need to have.

Once you own an antique auto, you might have to pay by way of your nose to insure it. For the reason that it is actually so useful and virtually irreplaceable, you might be not likely to get many firms offer you you inexpensive insurance for it. But, simply because it can be such a juicy catch, you might nonetheless get some juicy rates thrown your way. You might wish to consider them in detail.

You know, should you discover that the right monthly premium continues to elude you for the car insurance, you may contemplate raising your deductible. Insurance coverage firms sometimes smile any time you present to raise your deductible. That means what they owe you is much less within the instance of a mishap.

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The rates provided by web based car insurance are quick to peruse and make a decision for those who like them or not. The perfect portion is the fact that you do not have some insurance coverage agent breathing down your neck even though you happen to be it to create a decision already. As such, your choices are significantly more your choice than choices created beneath duress.

There are as well numerous insurance coverage firms inside the United states for you personally to settle for 1 that is definitely killing you with insurance premiums. Confident, you need to have car insurance, however the premiums do not must bury you month soon after month. Seek out a firm that’s more affordable, will you?

You don’t want your car insurance rates to be affected adversely by something you happen to be carrying out suitable now, considering that it will. When you have an accident when, as an example, you might have to be paying greater premium for the coverage that you get. It’s just the way the rates are, and you’re going to need to handle it.

Car or truck insurance coverage prices supplied to you could possibly not be the most beneficial you could get once they are the very first you may have ever observed. You’ll by no means know although, in the event you in no way venture out and take a look at what other organizations need to offer you. It can be a sizable sector, insurance within the United states; surely somebody offers car insurance at a lower price.

Often, the rates offered you by an insurance enterprise usually are not nonnegotiable. You could in no way know this even though, if you ever do not try. That is definitely why I consistently advocate which you by no means take the supply that comes initially. Take a look at it, and after that ask the insurance agent if the rates can’t be negotiated.

Attempt not to produce up stories when you are filing a car insurance coverage. Do not forget that whatever you have written in there shall be investigated to the letter, and if any discrepancy is located on it, you could possibly forfeit your claim. That you are a smart person; do the smart point.

About the Author: I have a job as Gondolier. I like to do Learning An Instrument. My father name is joel and he is a Alderman. My momy is a Retailer. To find out more upon

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, visit our web site concerning

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Bajaj Allianz Travel Insurance A true companion for your journey

by

Saishiv69

Risks are part of life. But when you have the solutions to steer clear them, why stay behind? It is when you go far away from your home that steering clear of risks involved may be an exigent task. Health care is expensive in foreign countries and medical emergencies are unpredictable. This is where travel insurance comes into play. Getting insured matters! Just imagine falling ill in a foreign land, meeting with an accident, losing baggage, getting your flights cancelled all hassles involved including the financial backing you get wherever required are taken care of by a travel insurance company. Countless travelers op rely on Bajaj Allianz travel insurance. Reasons are obvious. With Bajaj travel health insurance from India, you gain a competitive advantage of staying hassle free not only while traveling within the country but also overseas.

When you choose Bajaj travel insurance in India, you can go for either single trip or multiple trips. There are dedicated plans for students below 35 years and senior citizens aged between 71 and 85 years. Below is a list of Bajaj Allianz travel insurance plans:

Asia travel insurance (Asian countries except Japan)

[youtube]http://www.youtube.com/watch?v=ukaahh5JpoE[/youtube]

Corporate Trip insurance (Multiple trips within one year)

Swades Yatra / Domestic (Travel within India only for 90 days)

Swades Yatra / Domestic (Travel within India only for 30 days)

Assist Card 100% Cashless settlement & Pre-existing coverage

Elite Innovative package for high end travelers

Companion (affordable and reliable).

So, if you opt for Bajaj Allianz travel insurance called the Assist Card, what are benefits that you can expect to avail? Benefits you enjoy range from guaranteed cashless assistance even for minor medical expenses, personal and legal assistance, accidental death benefit coverage to assistance from 3000 plus experts, tracking of lost luggage, concierge services, assistance from 24 x 7 alarm centres, and more. Explore more benefits of this Bajaj travel insurance from India visiting eIndiaInsurance.com. Thousands of people rely on eIndiaInsurance for buying the right policy.

Assist Card Bajaj travel health insurance plans available for $50,000, $200,000 and $500,000 medical coverage; these plans are valid for travelers up to the age of 60. For travelers aged between 61 to 70 years, coverage of $50,000 is available. This Bajaj travel health insurance covers even cashless settlement for outpatient including cover for both for inpatient and outpatient medical expenses, and limited coverage for pre-existing medical conditions.

Author has a wide experience in writing articles on various topics like business, shopping

online travel insurance

, mobile, health, etc.

Article Source:

ArticleRich.com

The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance companys websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well. Maybe. Let ask our selfs on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do.

There is more to health insurance plans and companies than you ever thought. Let me ask you this question If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial. The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this Our Health Plan is Based on Yours. Why Assurant Health is so much better that anything that is available on health insurance market today.

Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. Ive been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article. Options that Assurant Plans Include that your plan does not.

Worldwide coverage, 24 hours a day.

It doesnt matter whether youre nearby or Far from home-youre covered.

Initial rate guarantees-up to 36 months available.

Youll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month! Lifetime benefit maximum options up to $8 million You choose the amount of protection you want.

Your choice of doctors and hospitals Youll have access to some of the largest and best preferred provider (PPO) networks in the nation.

No referrals necessary to see a specialist You dont have to jump through hoops when you need a specialists care-simply make an appointment.

Single deductible for accidents.

In the event theres an accident involving more than one person in your family youll pay only one deductible.

No limit on Intensive Care Unit (ICU) With no daily dollar limit when confined in an ICU, youll have the peace of mind you need at a critical time.

Healthy Discount Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates.

Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans visit