Question To Ask Before Buying Individual Health Insurance

Purchasing health insurance for yourself can be a trick task. The language of health insurance is beyond the norm of most people, so you need to keep some general questions in mind.
The minute you start filling out health insurance applications, you run the risk of missing the forest for the trees. The information requested can soon lead to a bit of brain lock. This, of course, can lead to the purchase of a policy that doesn t really fit the bill of what you need. Before buying individual health insurance, make sure to keep the following questions in mind.
First and foremost, ask yourself how much benefit you are actually getting. In practical terms, this means you need to figure out how much of the medical bill the policy will cover. You should expect to pay some amount of the bill, known as a co-pay, but make sure you know how much and are comfortable with it.
The second question to ask is whether the plan covers both required and preventative care. Nearly every health insurance policy will cover bills related to care you have to get if you suddenly become ill. The same cannot be said for care that helps keep you from getting sick. Find out if your policy covers regular checkups and such.
If you see a doctor for an illness, there is a very good chance he or she will prescribe you some medication. Prescription drugs are not cheap. You need to determine how the policy handles charges for such drugs. This is particularly critical if you are diagnosed with something that requires medication be taken for a long period of time.
Another are to check with the policy is the cap on coverage. Many policies will contain a clause stating the total payments they will make for the covered period is capped at some amount. Obviously, this can be a concern if you get into a situation where medical bills are huge. Assume, for instance, you are in a major automobile accident and hospitalized for six months. Your insurance might cap out and leave you with massive bills.
Make no mistake, you need health insurance. The risk of racking up massive medical bills is a big one. Just make sure you understand what your policy covers and what it does not.
Get more information on California individual health insurance plans at UFCAmerica.com.



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Get Cheap Homeowners Insurance Quotes in Houston Texas

Looking for homeowners insurance quotes in Houston Texas? Here s how to get cheap quotes from top-rated companies.
Homeowners Insurance
Homeowners insurance provides coverage for your home and your personal possessions when they re damage by vandalism, theft, fire, smoke, and acts of nature. It also provides coverage for liability claims, medical payments, and legal costs if someone is hurt in your home and decides to sue you.
Most insurance companies do not cover damage caused by floods, earthquakes, terrorism, or acts of war. To cover these events you ll need additional insurance.
Cheap Homeowners Insurance
Here s how to get cheap homeowners insurance quotes in Houston:
* Compare rates - Comparing rates from various insurance companies is the easiest way to save money on your insurance. It s also the biggest money saver.
All you have to do is go to an insurance comparison website, fill out a short form to get quotes from top companies, then pick the best quote. Some comparison sites feature an online chat service so you can get answers to your insurance questions from an insurance professional (see link below).
* Raise your deductible - The deductible is the amount you pay toward a claim before your insurer pays. Raising your deductible can save you as much as 30% on your yearly premium.
* Consolidate your insurance - Purchasing your homeowners and your auto insurance can save you up to 30% on your premium, plus you only have one agent and one company to deal with.
* Ask about discounts - Insurance companies offer discounts if you have burglar alarms, smoke detectors, dead bolt locks, and sprinkler systems in your home. They also offer discounts to people who are retired, single parents, non-smokers, and to people who are in law enforcement or the military. Ask about all the discounts an insurer offers and take advantage of them.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners insurance quotes in Houston from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting cheap homeowners insurance quotes in Houston.



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Where to Get Cheap Car Insurance for a Woman Driver

Due to the fact that women have fewer accidents, drive shorter distances, and log fewer miles than men, their car insurance rates are cheaper. However, if you re a women you still want to get the cheapest insurance with the best company you can. Here s a step-by-step plan to do just that:
1. Comparison shop - Because auto insurance premiums can vary by hundreds, even thousands of dollars from one company to the next, the first thing you need to do to get cheap car insurance is to go to an insurance comparison website. There you can compare rates from different companies and choose the rate that s best for you.
Some of these sites offer a chat feature and an online telephone service so you can get answers to your all auto insurance questions from an insurance expert (See link below.)
2. Increase your deductible - Increasing your deductible from $250 to $500 can save you up to 30% on your yearly premium. Raising it to $1,000 can save you up to 50%.
3. Consolidate your insurance - Purchasing both your car insurance and your homeowners or renters insurance from the same company can save you up to 15% on your insurance.
4. Drop your collision and comprehensive coverage - Consider dropping your collision and comprehensive coverage if you drive an older model car and the cost of your annual premium plus your deductible is the same as the value of your car.
5. Install security devices - Most insurance companies will give you discounts for air bags, antilock brakes, and automatic seat belts. They will also give you discounts if you install a burglar alarm or other anti-theft device in your car.
Don t Just Compare Rates, Compare Ratings
In addition to getting the cheapest rate you can, you also want to get your insurance from a top-rated company. Go to J.D. Power & Associates website (jdpower.com), and Epinions website (epinions.com) to get consumer ratings and reviews of companies by their customers.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance rate quotes for a woman driver from A-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get cheap car insurance rates for a woman driver.



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Whole Life Insurance Companies

Life insurance is a big industry with financial assets of more than $4,000 billion in 2004. The major revenue model is life insurance, although it is slowly being overtaken by annuities, i.e. contracts that guarantee a fixed or variable payment over time. Still, the sale of term and whole life policies remain a significant portion of the business.Life insurance companies offer a wide range of products, including term and whole life policies, health, accident and hospital plans. Life-related sales accounted for 24% of the portfolio of insurance companies in 2004. The major customers are individuals and worksite employees. According to the NAIC annual statement database, the premium by way of sales of ordinary and industrial life alone is $108 billion, which is 20% of the premium collection in 2004.It is estimated that there are 1,000 companies selling insurance products in the U.S. They belong to a group of 300 companies. The life insurance industry is characterized by large companies that sell millions of policies each year and small companies that sell thousands of policies. Some of the big names in this industry are MetLife, Prudential Financial and New York Life Insurance.All of these companies are rated by rating agencies like S&P and Moody s. Further, these companies are regulated by each state. Some companies don t have a license to operate in certain states. This limitation should be kept in mind before selecting an insurance company, as in case of complaints, it would be easy to get the assistance of the state. These companies follow a code of ethics and insurance standards, and most are members of Insurance Marketplace Standards Association, a non-profit organization for ethical conduct in insurance marketing.The insurance companies sell their products through agents and banks. Some also have an Internet presence.Before selecting a company, it would be wise to do some homework by considering the size, rating, nature and number of complaints against the company. The right company is the one that meets an individual s needs by tailoring the features and that offers advice through agents.Whole Life Insurance Quotes provides detailed information on Whole Life Insurance, Whole Life Insurance Quotes, Whole Life Insurance Policies, Term Vs Whole Life Insurance and more. Whole Life Insurance Quotes is affiliated with Instant Whole Life Insurance Quotes.



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