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Life insurance or life assurance

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner’s death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals.As with most insurance polices, life assurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.Insured events that may be covered include:death, accidental death
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.

Life based contracts tend to fall into two major categories:Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums.
Parties to contract There are three parties to a life insurance transaction: the insurer, the insured, and the policy owner (policy holder), although the owner and the insured are often the same person. For example, if Joe buys a policy on his own life, he is both the owner and the insured. But if Jane, his wife, buys a policy on Joe’s life, she is the owner and he is the insured. The policy owner is the grantee and he or she will be the person who will pay for the policy.The beneficiary receives policy proceeds upon the insured’s death. The owner designates the beneficiary, but the beneficiary is not a party to the policy. The owner may change the beneficiary unless the policy has an irrevocable beneficiary designation. With an irrevocable beneficiary, that beneficiary must agree to any beneficiary changes, policy assignments, or cash value borrowing.
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Life insurance or life assurance

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Auto Insurance Online Quote – Get the Best Rate

Looking for auto insurance online can save you time and money. By going to an insurance comparison website to look for auto insurance, you can get quick quotes from multiple A-rated companies, which you can compare to be sure you’re getting the best rate.

Getting Started

When you go to the insurance comparison website, you complete a short form with personal information, such as your name, address, and age. You also enter information about your vehicles and driving habits, including:

* The year, make, and model, of your car.

* You car’s VIN number.

* Safety features in your car, such as airbags and a theft prevention device.

* The number of miles you drive each year.

* Any tickets or accidents you’ve had.

Getting the Best Rate

You’ll also need to decide what coverage amounts and deductibles you want. Changing your amounts and deductibles can change your rate quite a bit. Note that the best insurance comparison websites let talk with insurance professionals through an online chat service, so ask if you have any questions as you complete the form. (See link below).

Keep these tips in mind as you set your coverage amounts and deductibles:

* Most states have minimum limits you need to meet. You can go to your state’s Department of Insurance website to find out what the limits are in your state.

* Decide if you want comprehensive and collision coverage. Collision coverage pays to repair or replace your car after an accident, while comprehensive coverage pays if your car falls victim to a natural disaster, vandalism, or theft. However, both cover only up to the Blue Book value of your car. If your car is over five years old, you may want to drop these coverages altogether.

* If you want comprehensive and collision coverage, decide what deductible you want. The higher your deductible, the lower your premium.

You also want to make sure you get all the discounts you qualify for. Does your vehicle have an anti-theft device? Can you put your home insurance with the same company so you get a multi-policy discount? Ask the insurance professional about additional discounts.

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance online quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written extensively on auto insurance online quotes.

Looking for auto insurance online can save you time and money. By going to an insurance comparison website to look for auto insurance, you can get quick quotes from multiple A-rated companies, which you can compare to be sure you’re getting the best rate.

Tag: auto insurance online quote

How To Save Money And Get Discount Automobile Insurance In Nevada

Let’s face it – the cost of automobile insurance in Nevada is high and it’s not likely to get much lower any time soon. This has sent many Nevada drivers scrambling to find ways to save money and get discount automobile insurance here in Nevada.

If you are a young driver, still in school, you know how expensive your auto insurance can be! One way to keep your premiums low is to stay in school and get good grades – most auto insurance companies in Nevada offer some form of a Good Student Discount. If your school offers driver’s training – take it. Most companies also discount your premiums if you have successfully completed an approved driver’s training course.

If you own two or more cars it usually pays to insure all of them through the same company. Most companies offer what is known as a multi-car discount. Keep in mind that if you also have your other insurance policies – such as homeowner’s or health – with the same company you should be entitled to a multi-policy discount. Combining one discount on top of another can save you some real cash over the long run.

Maintaining a good driving record is the best way to keep your rates down. Drunk or reckless driving convictions will shoot your rates sky-high. Also if you are a non-smoker you can also often get a break on your car insurance.

If you only drive your car a few miles each day and then catch public transportation the rest of the way in to work, or if you carpool to work, talk to your agent about a low-mileage discount.

If you drive an older car that has a value of $1,000 or less, you may be better off dropping your collision coverage entirely as you will probably end up paying more in premiums than you would ever collect from the insurance if your car is damaged.

If you are still having trouble affording auto insurance then consider increasing your deductible. The higher your deductible – meaning that you pay for fender benders and you pay a certain portion of any claim before your insurance pays the remainder – the lower your premium will be.

If you are 50 or over you can probably qualify for a discount on your auto insurance of about 10% simply by completing an approved defensive driving course. Some defensive driving courses are even offered online, and some courses will even forward your completion certificate directly to your insurance company upon completion of the course so you can get your discount almost instantly.

The final tip is to shop around online. Prices for insurance policies – even for policies that are almost identical – can vary greatly from one company to another.

Auto insurance rates are a hardship for many Nevada drivers, but by structuring your policy to include only what is right for you, and by taking advantage of all the wide variety of discounts to which you may be entitled, and by carefully shopping around and comparing prices, you should be able to save money and get discount automobile insurance right here in Nevada.

Recommended sites for low rate insurance Discount Automobile Insurance Quotes in Nevada
Quick Auto and Home Quotes (Combined)

Let’s face it – the cost of automobile insurance in Nevada is high and it’s not likely to get much lower any time soon. This has sent many Nevada drivers scrambling to find ways to save money and get discount automobile insurance here in Nevada.

If you are a young driver, still in school, you know how expensive your auto insurance can be! One way to keep your premiums low is to stay in school and get good grades – most auto insurance companies in Nevada offer some form of …

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