May 2015 ~ Free Insurance Quotes

The Right Step To Select Property Insurance

The Right Step To Select Property Insurance

Just like any other insurance, to fit and protect us in the future, select property insurance takes appropriate steps. In addition to adjusting to the needs, you are also obliged browse track record of insurance companies. How to?

Choose an insurance case and the right insurance company is never easy. With many insurance companies competing, often we are faced with cheap-cheap promotion that is often tempting faith. Though not all the promotion is valid for life, many who slipped a note marked with an asterisk are barely visible eyes.

Choosing a property insurance, particularly home insurance too. The difficulty is not much different from when we choose a life insurance or insurance education because of the burden that we choose now will determine our future prosperity. What would happen if our house is destroyed by fire but the insurance company will not give compensation when we have diligently paid premiums? This sort of thing can make us lose double plus a sense of upset, angry, and depressed.

To avoid this kind of thing happens in kemudain day, there are a few things you should know and understand before you determine the decision:

Needs

You have to really understand what kind of protection needed by your home. If you are near an active volcano, for example, then you need to enter protection against volcanic eruptions. If your home is located in a flood-prone area, of course you also have to enter a protection against flooding. But not necessarily all the protection you take because they can be weighed on your premium payments. Take a taste. If it is you do not need to use protection against earthquake or a tsunami, then you do not have to enter it.

Details Benefits

Insurance companies will usually offer some protection packages to your home. You need to know is what are the benefits or protection contained in these packages. You need to compare the benefits of a given package with one another, also had to adjust to your needs. Do not forget to understand the different kinds of exceptions that led to the protection of your home canceled.

Price Gap

If you are new to the insurance offers on the market, you can start by reading the products offered on the official website of the insurance company of your choice. You need to compare home insurance product from a company with a product from another insurance company. Select several products that suit your needs and then compare the price through simulation. Thus, you can do the elimination of the insurance products with premium prices that are too high.

Claims Procedure

You have to understand also claim procedures in case of disaster. One way is to understand the policy. If after reading the policy you still feel many do not understand, you should immediately ask the insurance agent. If you still are not satisfied, ask the nearest person or people you trust who have experience in making a claim. Thus, you know exactly when to take place claims and the reasons that can make a claim canceled.

Track Record Insurance Company

You also need to know the track record of the insurance companies that you are interested in. You need to ask the insurance company's reputation is on the people who you know. You can also find out via the internet. You can also compare the reputation of the company with other companies if you have trouble deciding which one will use insurance. The insurance company whose reputation is good but has a little more expensive premiums than the insurance company that offers the cheapest premium you can make the judgment because what's the point of paying premiums if in the end we claim is not granted. List of property insurance here.

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Insurance Claim Denied, You May Not Know 6 About It

Insurance Claim Denied, You May Not Know 6 About It

Policyholders are often difficulties when making an insurance claim vehicles because of lack of attention to the points of agreement in the insurance. In fact, some insurance claim that you're proposing instead rejected. In fact, the actual rules on insurance claims is already loaded in the Standard Policy Motor of Indonesia Vehicle Insurance. 6 Know this, then you will avoid the rejection.

Read the Policy and Ask

Policy includes everything about the claim. Therefore, when reading the policy when there are rights and duties that we do not understand, then you should ask directly to the insurance officer. When those rights and obligations are less liking, you can also negotiate with insurers and replace the points that we want to change. (See also: How To Extend Auto Vehicle Insurance Policy)

Modifications not be Excessively

When registering, the insurance company will record the condition of the car or the shape of the car according to the conditions when you register or use the insurance. Well, this is what can sometimes be a problem for you who like car modification. So, if you are happy to modify the car, you are required to report to the insurer any part of the car that carried out the modification. Then, the insurance company will record the vehicle again. Therefore, the condition of the car is borne at the beginning of using insurance. So if your car has been modified it means the car's condition is not in accordance with the initial conditions.

Appropriate use

Condition of the car insured must correspond to the real situation. That is, when you register a car insurance, then the insurance company will also ask about the use of cars that will be insured. So, if the vehicle is written for personal use, the vehicle should not be used as a rental vehicle. Moreover, you are insured vehicles used to go down in racing.

Affected Negligence

When filing an accident claim, the insurance company will identify the cause of the accident that occurred. Typically, when the accident occurred due to violation of traffic rules, for example, driving while intoxicated, speeding down the street, broke traffic signs, or the driver does not have a driver's license, then it certainly will make your insurance claim is rejected. In addition, if the vehicle is damaged due to transport animals or chemicals are also not covered by the insurance.

Used Crime

Vehicle Insurance

Vehicle Type

Protection type

Other causes of insurance claims denied is that the car proved to be an instrument of crime like robbery, mugging, abduction, or fraud. Moreover, the car deliberately omitted the hope of getting compensation claim costs, whether the insurance policy holder or other person under the knowledge of the policyholder. If so is almost certain insurance claims rejected.

Policy Still Valid

The policy will be a part of your life when deciding to become insurance customers. Therefore, record and remember how long the vehicle insurance policy you have is still valid. Because, of course you do not want your insurance claim is denied because automobile insurance policy that you have already not valid time of the incident.

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4 Reasons You Need Auto Insurance

12:26 AM Auto Insurance, Car Insurance No comments

4 Reasons You Need Auto Insurance

For auto owners, the insurance could be mandatory. The question is, do you really need? Well, here are some reasons how auto insurance can protect journey, life, and also save your money.

More efficient

According to data from the Traffic Police Corps of the Republic of Indonesia, in 2013 the number of accidents recorded 21 304 units of passenger autos, freight autos while autorying 21 335 units. Data was most probably an accident were recorded and some of them are fatal accidents that cause fatalities. Then, what about small accidents like auto only grazed, hit a fence, or other.

Well, by having auto insurance, then small incidents like that too will be covered by your insurance. Imagine if you do not have insurance and have to bear the cost of it's own? So, it is better to pay at the beginning with a certain amount, than you have to bear alone without being able to predict how much it will cost.

Save time and assisted by experts

Imagine, if your auto had an accident, and at the same time you do not have auto insurance. One thing is for sure you have to take autoe of everything yourself? The incident will be different story if you have auto insurance. Because, you just pick up the phone, contact your broker or insurance agent that you have, and everything will be taken autoe of. Easy is not it? Starting from the claims process until the problem is finding the right repair shop, will be resolved quickly and easily.

Driving quieter

Handalnya matter how you drive, the highway can not be predicted. Therefore, it is possible if an accident occurs as a result of driving errors of others. Or, it could be your auto affected by natural disasters. Nowadays, many owned by the expansion of coverage auto insurance in Indonesia, including natural disasters. There is also coverage of a riot, that if your vehicle is impaired as a result of the riots, sabotage, work blockage, terrorism and looting. Losses on the issue, will be covered by insurance if you join this insurance. You never know when an accident is unavoidable. Therefore, auto insurance is there to protect you from a variety of possible scenarios.

Protect other motorists

Remember, in the auto insurance also are insured for third parties. That is, if you crash into another vehicle, then the vehicle you hit will be covered by your insurance. However, there is a certain limit, and the cause of the accident must be free of conditions that may invalidate a claim exception.

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Guaranteed risk in Personal Accident Insurance

12:15 AM Accident Insurance No comments

Guaranteed risk in Personal Accident Insurance

You want to have a self-protection against unexpected accidents? Perhaps personal accident insurance is a perfect solution. Personal accident insurance is protection against self of an accident, the risks that come suddenly, unexpectedly, and without self-insured. This protection makes you anticipate unwanted expenses later. If you want to get a personal accident insurance, you should understand the risks of self-protection is guaranteed in this. Guaranteed risk in Personal Accident Insurance
You want to have a self-protection against unexpected accidents? Perhaps personal accident insurance is a perfect solution. Personal accident insurance is protection against self of an accident, the risks that come suddenly, unexpectedly, and without self-insured. This protection makes you anticipate unwanted expenses later. If you want to get a personal accident insurance, you should understand the risks of self-protection is guaranteed in this.

What are the risks covered?

Based on standard personal accident insurance policy of Indonesia, the risk of which is guaranteed in the personal accident insurance is death, permanent record, or the cost of care and treatment that are directly caused by an accident. In some institutions this insurance product providers, the risk of which is guaranteed in the event of permanent disability cover the loss of function of both eyes, two legs, two hands, one eye one leg, one eye one arm, one leg and one arm.

Accident causes of risk that are guaranteed in the personal accident insurance is an event or events that contain elements of violence, both physical and chemical arrival of sudden, unintended or planned owners insurance.

Meanwhile, an accident covered under this insurance, including poisoning due to inhalation of toxic gases or vapors, unless you happen to use drugs or other substances that have known the consequences of poor or taking drugs. In addition, personal accident insurance to bear the costs caused by virus or germs as a result you do not accidentally fall into the water or any other liquid substance, and bear the costs of suffocation or drowning.

This insurance policy also ensures the risk of death, permanent disability, as well as the cost of treatment / medication caused by viruses or germs that enter the injuries suffered as a result of an accident that is guaranteed to policyholders. Personal accident insurance also guarantees the risk of complications caused or increased severity of illness caused by an accident that is guaranteed in the policy, for the care or treatment that is performed by a doctor.

So, list your personal accident insurance now!

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15 Reasons You Need Life Insurance Before 40

12:43 AM Life Insurance No comments

15 Reasons You Need Life Insurance Before 40
By: Gary Lardy

Is life insurance really necessary in your 30s? After all, you’re young. You’re healthy. You’re going to be around for a long time, right? Diem Brown knew better. Ms. Brown, a former MTV Real World star battled cancer three separate times in her life over an 11-year period, starting at the age of 23. Sadly, she lost her fight this past November, at the age of 34.

You think you have all the time in the world. Until you don’t. That’s why today, we’re going to give you 15 reasons why you should get on board with life insurance before you blow out the candles at your 40th birthday party.

1) Payments from your life insurance policy after you pass on can help your family to recoup any costs that your health insurance didn’t cover.

2) Insurance ensures your funeral costs and personal debt are covered if you were to pass on unexpectedly.

3) No kids of your own? No problem. You can name your favorite charity as a beneficiary and leave the proceeds to them.

4) Life insurance is your chance to leave your loved ones with something to remember you by without having to sock away extra money.

5) Insurance can supplement income for your spouse in the event of your death.

6) Money left to your beneficiaries can double as an extra college fund upon your passing.

7) Unused funds set aside for long-term care will be awarded to your beneficiaries if you don’t need them.

8) Death benefits are not taxed (depending on the policy amount and the state where the deceased person lived).

9) Your rates are cheaper now than if you wait until you turn 40.
10) Since you’re starting earlier, you have more time to increase your coverage as you make more money.

11) Pre-existing conditions are looked upon more favorably (especially when you have the condition under control), because the premise is you’ll live longer when you are proactive in managing you health.

12) You’ll have peace of mind for years to come.

13) You’ll be able to supplement your employer-provided life insurance with your own policy.

14) An affordable way for you to cushion yourself and your family for future financial obligations.

15) The sooner you sign up for life insurance, the less time you have to think about your own mortality.

The unthinkable doesn’t discriminate and can strike any of us at any age and at any time; it’s completely out of our control. However, you can control how well your family is protected in the aftermath.

Do the right thing for yourself and your family, visit our quotes page and start on the road to a brighter future.

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Tips On Choosing Cheap Medical Insurance

12:28 AM Health Insurance, Medical Insurance No comments

Tips On Choosing Cheap Medical Insurance

Although many people are familiar with insurance said, still not many people who want to have it. Though insurance is a precaution to difficulties in the future, especially when it comes to health issues.

Benefit
Trying to live a healthy life can be a path to a better future. However, if destiny wills else, we also could not resist. If someday we stricken thus requiring expensive health care costs, what should we do?

This is where insurance will play a role. Insurance will cover the costs of such care so that we no longer need to feel burdened. The consideration should be given enough reason for us to register health insurance. However, there are still many of us are reluctant to do so because of the cost of insurance is expensive.

If there is insurance that is cheap, of course, everyone will have insurance. However, although expensive, it does not mean we do not have a strategy to get health insurance cheaper than others. So, what should be considered to get cheap health insurance?

Pure Health Insurance

What is a pure health insurance? The health insurance does not come with a package of other insurance like life insurance. Health insurance is actually a stand alone so that the use of the premium paid will really focus used to insured health care costs. This pure insurance usually does not cut costs too big as well.

Avoid insurance that comes in the package because then the portion of the premium paid should be shared with other insurance. Especially when using the unit-link insurance that has an investment base. The portion of health insurance premiums in unit-linked insurance can be very small due to the premium should be shared with the whole life insurance and investments.

Cashless systems

This system makes us just need to carry a special card issued by the insurer. We do not need to remember phone numbers for claims to insurers, we also do not need to carry large amounts of cash to pay down-payment of care. We just need to swipe the card at the hospital work closely with our choice of insurance and all maintenance costs also covered.

Network breadth Hospital

Relating to a cashless system on top, of course, which must also be considered is the number of hospitals that work together with the insurance of our choice. Cashless system would not function optimally if the number of hospitals that can accept only a handful. Therefore, we need also to know and record any hospital that receives our cashless card.

Choose the Right Premiums

The high premium that we paid to the insurance company closely associated with the facility which will we be able in the event of health insurance, especially during hospitalization. If we want luxury amenities such as VIP rooms, for instance, of course, the premium paid will inevitably soar. Even so, it does not mean we necessarily take the lowest ceiling with very minimal insurance premiums only for cheap.

It is best to choose the right premium. Minimum insurance coverage may not help us cover the costs that might be included in the cost of care as the cost of tests in the laboratory. This will actually troublesome because eventually we have to pay for it.

That's four first step to choosing cheap health insurance. Of course, cheap health insurance is meant here does not mean that cheap. The next step is to choose a cheap health insurance can be listened to in the next article.

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Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

6:31 PM Life Insurance No comments

Life Insurance: How to Keep Your Special Needs Child Thriving with Life Insurance

By: Gary Lardy

Parents wish for their children to have a better life than they did and try to shape their children into independent adults who will succeed once they leave the safety of the nest.

As the parent of a special-needs child, providing for your child is a life-long endeavor because you understand you are responsible for your child throughout their entire life. And depending on your son or daughter’s condition, there is a very real chance that they’ll outlive you.

If that happens, who will care for your child? Who can you trust with the well-being of your son or daughter?

At IntelliQuote, we’ve learned that preparing for these tough questions today will help ease your mind tomorrow. We understand that raising a special-needs child can sometimes feel like a hurricane uprooting all certainty in the blink of an eye. Today’s post explores four ways that a life insurance policy can be used to help anchor you and your family amid the turbulence.

1) Who can you trust with your trust? As the parent of a special-needs child, you advocate on your child’s behalf 24-7. They need a cheerleader in their corner, someone who will make sure their needs are attended to and will never take advantage of him or her. Taking action today and setting up a trust for your child with beneficiaries that you appoint will provide financial security and protect your child from becoming victimized in the future.

2) Housing costs: You’ve been attentive to your child throughout his or her life. Who knows your child’s personality and needs better than you? Can you say with absolute certainty that he or she will continue to receive this level of attention? What about housing needs? Would your child thrive in a group home or are they more individualistic with a need for his or her own space? Who will pay the bill for the housing option that is best?

3) Pay off medical expenses: MaryAnn Raccosta has two sons, each born with a unique set of physical conditions: James was born with liver disease, and Sam was born with a recessive metabolic disorder, which severely weakened his muscles and left him wheelchair bound. She and her husband spent the bulk of their sons’ childhood trying to keep their heads above the piles of never-ending hospital bills.

Yes, you can do your best to stay on top of medical bills when you’re alive. But what happens after you’ve you passed on? Setting up a trust in your child’s name will make sure your child’s medical bills are covered long after you’re gone.

4) College fund or specialized learning: Special-needs children eventually grow up and blossom into special-needs adults. And these days, there are options like never before. Your child wants to achieve his or her dreams just like everyone else, and you can help to fulfill that dream by setting enough money aside for a college fund or continued education.

At IntelliQuote, we realize as the parent of special-needs child, you have more responsibilities than most parents. A life insurance policy can help to ensure your child is cared for in the event of your passing.

Want to learn more about how your life insurance can help your child thrive? Receive a quote today.

“Entrepreneurship is living a few years of your life like most people won’t so you can spend the rest of your life like most people cant.” - Warren G. Tracy’s student.

Never were truer words spoken that summed up the essence of every entrepreneur. It is this dedication to success that fuels the fire that burn in their bellies. But the reality is that the road to success as an entrepreneur is often uphill and filled with roadblocks, and until you get your financial footing, you and your family need to make smart choices and prepare for all outcomes.

Today’s post will discuss in detail how term life insurance can benefit you and your family during the highs and lows of the rollercoaster ride of self-employment.

1) Necessary simplicity: Working for yourself is a reality that many wish for, but few can execute. Sure, not having to answer to a boss seems ideal, until you become the head honcho who has to wear multiple hats at any given time. The last thing you need is more stress in your life as you figure things out. A no-frills life insurance policy is the perfect solution to your complicated day-to-day life. You set the premium for the coverage you choose and the money will go to your appointed beneficiary after you’re gone.

We think that sound’s much simpler than planning out next year’s marketing strategy, don’t you?

2) Won’t lighten your wallet (too much): When you’re starting out as an entrepreneur, money is tight, so you must squeeze every drop of value from every dollar that leaves your pocket. At IntelliQuote, we understand your financial struggle, as well as your commitment to your family’s well-being. That’s why we’re proud to say that term life insurance policies, depending on your coverage, are both affordable and critical purchases that every entrepreneur should invest in. Oh and if you think moderately priced-insurance premiums are a pipe dream, you’re wrong. According to the 2014 Insurance Barometer Study, 80% of participants overestimate the true cost of life insurance protection.

3) Scale your coverage: Any successful entrepreneur will tell you that flexibility is one of the keys to reaching the top and staying there. You must be able to adapt your company to the ever-changing business environment. The same concept holds true for life insurance. As your business gains traction and your purse strings grow looser, you may want to upgrade your coverage or convert your term policy for a permanent policy to shield your family from any hard times you may fall on in the future. Some insurance companies allow policy holders to choose from either option, so you can scale your insurance coverage as you scale your business.

At IntelliQuote, we understand that the life of an entrepreneur, while exciting, is far from easy. And keeping your family protected during your quest for success is even harder. Term life insurance should ease your worries, not add to them.

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