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Life Insurance

Life insurance is your financial safety net

Progressive Advantage life insurance (powered by Efinancial) can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

Life insurance rates are more affordable than you might think

Progressive Advantage offers affordable life insurance rates starting at $14 per month. *

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

What is life insurance and how it works

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

Different types of life insurance

Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

Get a life insurance quote online and compare rates in just 5 minutes

We partner with Efinancial to bring you one of the industry’s leading searching and comparing technologies. It’s 100% secure, and Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

Get a life insurance quote online or call for expert advice

AUTO INSURANCE HERE! Compare CHEAP Car Insurance Policies for FREE! #market #value #of #my #car

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Helping You Find Your Insurance Quote

In every state there is a requirement for car insurance. While the minimum insurance you need may fluctuate, the need for it never does. Getting the best auto insurance quote around can mean the difference between getting ripped off, and saving a lot of money.

Finding Your Quote

Getting quotes is easy, but finding good ones can be difficult. The hardest part about it is that you don’t know who is trying to rip you off. Even the biggest companies are only big because they are good at a lot of money out of many hardworking people. So how do you know? That is where a little bit of elbow grease comes in. By getting many quotes from many different companies you can easily sort out the bad ones. That is where we come in. Our system has been build to provide you with a multitude of companies in your area looked up by your zip code. You can then use these quotes to quickly and easily generate a list of the best and worst companies for your specific situation.

Advantages to Insurance Quotes

Getting better quotes on your auto insurance can save you hundreds of dollars a year. All it takes is to simply take the time to shop around for your quotes and soon you will find the best one for your specific situation. The money you save can also be applied to getting better coverage. Cheaper coverage may be the least money intensive option, but you may end up in a pinch if something happens. Saving enough money to afford better coverage is just another benefit of finding good quotes.

Ways to Get Better Quotes

1) As previously stated, the best way to get better quotes is to simply get a lot of them. Getting a lot of quotes quickly can greatly increase your chances of finding the one that is right for you.

2) If you use complete information when applying for you quote, you may find that you get better quotes. This is due to the fact that many companies will often times offer discounts that might not seem immediately obvious. However, by providing them with the most complete information possible you should find some discounts that you were unaware of.

What Type of Insurance Do I Need If I – m Renting Out My Home? #type #of #insurance #policies


What Type of Insurance Do I Need If I m Renting Out My Home?

There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. So, whether you own a second home that you lease to to tenants, want to rent out a spare bedroom in your house periodically though Airbnb, or make a little extra cash renting out your beach cottage the weeks you’re not using it, the first step should be to call your insurance professional.

Short-Term Rentals/Primary Residence

If you are planning to rent out all or part of your primary residence for a short period of time, for instance, a week or several weekends, there will likely be two insurance scenarios.

  1. Some insurance companies may allow a homeowners or renters policyholder a short-term rental—assuming they have notified the company. Other insurers will require an endorsement (or rider) to the existing insurance policy in order to provide insurance coverage.
  2. If you plan to rent out your primary residence for short periods on a regular basis, to various “guests.” this would constitute a business. Standard homeowners insurance policies do not provide any coverage for business activities conducted in the home. To be properly covered you would need to purchase a business policy—specifically either a hotel or a bed and breakfast policy.

Long-Term Rentals/Second Home

If you are planning to lease your home to one person or a couple or family for a longer period of time, say six months or a year, you will likely need a landlord or rental dwelling policy. Landlord policies generally cost about 25 percent more than a standard homeowners policy to pay for increased protections. If you are regularly renting out a vacation home or investment property, this would also require a landlord or rental dwelling policy.

Landlord policies provide property insurance coverage for physical damage to the structure of the home caused by fire, lightning, wind, hail, ice, snow or other covered perils. It also offers coverage for any personal property you may leave on-site for maintenance or tenant use, like appliances, lawnmowers, and snow blowers.

The policy also includes liability coverage; if a tenant or one of their guests gets hurt on the property, it would cover legal fees and medical expenses.

Most landlord policies provide coverage for loss of rental income in the event you are not able to rent out the property while it is being repaired or rebuilt due to damage from a covered loss. This coverage is generally provided for a specific period of time.

Renters Insurance

As the landlord, your coverage is only on the structure itself and your financial interest in it. Your tenant’s personal possessions are not covered under your policy. In order to avoid disputes arising from damage to the renter’s belongings, many landlords require a tenant to buy renters insurance before signing a lease.

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Short Term Insurance South Africa

Chadwicks Risk Insurance Brokers (Pty) Ltd in Cape Town are independent South African short term insurance intermediaries who specialise in risk treatment and insurance solutions. We guide our clients in analysing their risk exposures, highlighting both the insured and uninsured risks. The result? Clients purchase insurance with total peace of mind, which in turn enables them to concentrate on what they do best – their business.

Mission Statement

Chadwicks aim to position themselves, in the minds of South African business, as a professional short term broker of exceptional quality. To be achieved through sustained operational excellence, underpinned by expert risk analysis, top class personalised service, motivated staff, solid insurer partnerships and an ongoing quest to master insurance processes.

Short Term Insurance Available

The short term Insurance Risk Management Division of Chadwicks specialises in all insurable financial losses, particularly:

Access to the whole South African Insurance Market

We have access to the entire South African short term insurance market, including Lloyds. With the full insurance market available to you, Chadwicks Risk Insurance Brokers place insurance policies designed specifically for you with insurers who understand the risks associated with your business. This ultimately leads to optimum insurance premiums and, even more importantly, no unpleasant surprises at claim stage.

Long-term Insurance Partnerships

At Chadwicks Risk Insurance, we strive to build long-term client partnerships based on professionalism and integrity. We believe that a successful insurance transaction is underpinned by excellent personal client relationships and, in the final analysis, is about the prompt and fair settlement of insurance claims.

Contact Us for Quality Insurance

Please take a moment to view the Chadwicks Risk Insurance Brokers’ website for short term insurance in South Africa. We hope to have the opportunity of presenting our full array of products and services to you (should you not already be a Chadwicks client).

Facts for the media – Alzheimer – s Society #documents, #consultations, #policies, #information, #plans, #performance, #objectives, #facts #and #figures, #strategy, #


Facts for the media

What is dementia?

Dementia describes different brain disorders that trigger a loss of brain function. These conditions are all usually progressive and eventually severe.

Alzheimer s disease is the most common type of dementia, affecting 62 per cent of those diagnosed.

Other types of dementia include; vascular dementia affecting 17 per cent of those diagnosed, mixed dementia affecting 10 per cent of those diagnosed.

Symptoms of dementia include memory loss, confusion and problems with speech and understanding. Dementia is a terminal condition.

Who is affected?

There are 850,000 people with dementia in the UK, with numbers set to rise to over 1 million by 2025. This will soar to 2 million by 2051.

225,000 will develop dementia this year, that s one every three minutes.

1 in 6 people over the age of 80 have dementia.

70 per cent of people in care homes have dementia or severe memory problems.

There are over 40,000 people under 65 with dementia in the UK.

More than 25,000 people from black, Asian and minority ethnic groups in the UK are affected.

How much does it cost?

Two thirds of the cost of dementia is paid by people with dementia and their families.

Unpaid carers supporting someone with dementia save the economy 11 billion a year.

Dementia is one of the main causes of disability later in life, ahead of cancer, cardiovascular disease and stroke. As a country we spend much less on dementia than on these other conditions.

How does the UK compare to other countries?

There are an estimated 46.8 million people living with dementia and the numbers affected will double every 20 years, rising to 115.4 million in 2050.

Another 7.7 million people will develop dementia around the world every year.

What about treatments and research?

There is no cure for Alzheimer s disease or any other type of dementia. Delaying the onset of dementia by five years would halve the number of deaths from the condition, saving 30,000 lives a year.

Dementia research is desperately underfunded. For every person living with dementia, the annual cost to the UK economy is over 30,000 and yet only 90 is spent on dementia research each year.

There are not enough researchers and clinicians joining the fight against dementia. Five times fewer researchers choose to work on dementia than on cancer.

Alzheimer s Society is committed to spending at least 150 million over the next decade on dementia research to improve care for people today and find a cure for tomorrow. This includes 50 million to develop the UK s first dedicated Dementia Research Institute.

Where can you go for advice and information?

Professional Liability Insurance Policy from Nationwide #general #liability #insurance #policy, #commercial #liability #insurance #policy, #business #liability #insurance #policy, #general #liability #insurance #policies, #professional #business #liability #insurance


Build a Safety Net With a Professional Liability Insurance Policy

A general liability insurance policy will only cover claims stemming from bodily injury, property damage, personal injury or an advertising injury. But what if a client sues for damages that result from you or your company’s negligence, misrepresentation, violations of good faith or error or failure to render an opinion or offer a service?

Professional liability insurance may be customized to meet your specific needs. For example, in a typical business day a pharmacist faces different risks than an architect might face. But both should have professional liability insurance – customized to their unique risks.

Professional liability insurance policies can cover judgments, attorney fees, court costs and settlements. Even if claims are found to be unwarranted, extended litigation can drain a company’s cash reserves or even cause bankruptcy.

Who needs a professional business liability insurance policy?

  • Veterinarians
  • Funeral directors
  • Church counselors

The basics

Professionals are expected to have a certain level of competence in their disciplines. It’s also expected that they will accurately perform their services, according to the common standards of conduct for their profession. If a professional makes a mistake on the job, they can be held responsible for any harm they cause to a person or business.

Professional liability insurance policies are generally issued on a claims-made basis, meaning that the coverage extends only to events that occurred during the period in which the coverage was active. It’s important to not let coverage lapse in order to ensure continuous protection against damaging events even if they occurred in the past.

Create a plan to avoid costly professional errors

If your profession makes you an expert in a certain area, like medicine, law or real estate, you could be exposed to one or more professional liability risks. No matter how careful you try to be, we’re all prone to make mistakes – in our personal lives and at work. Professional liability insurance might protect you against claims of negligence, malpractice or misrepresentation. Have a plan in place to reduce the possibility of making these mistakes on the job:

  • Keep detailed project and client files
  • Encourage honesty and openness from all of your employees
  • Agree on expectations with your customers before work begins
  • Make ethics a priority
  • Stay within your area of expertise

What type of professional business liability insurance should you buy?

Unfortunately there’s no “one size fits all” professional liability insurance policy and no standard wording. Policies must be carefully written to cover any risks and exposures particular to your type of business.

Some policies include defense expenses for fighting a lawsuit within the limits of liability while others might exclude any punitive damages awarded to the client. The wording of professional liability insurance policies varies from company to company, and each policy must be read carefully to make sure the coverage fits the exposure.

Premiums for professional liability insurance are based on a company’s revenues, type of professional service provided, number of employees providing the service and the company’s loss history.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

Liability Insurance – What’s Covered?

How to Get a Business Liability Quote

Avoid These Common Business Claims

Why Choose Nationwide for Liability Insurance?

Multi Car Insurance Policies Can Save You Serious Cash #multi #car #insurance #policies


You Can Save Money With Multi Car Insurance Policies

January 24, 2017

Multi car insurance policies are created to provide significant discounts for individuals and families who own and operate more than one vehicle at the same address. These policies are designed with discounted premiums as an incentive for people to insure all of their vehicles with the same company.

Although these policies have a maximum for how many cars you can add, some companies do allow up to ten cars. Considering most families only have two or three cars, unless you’re a car collector, you’re not likely to reach the maximum.

The discount offered by a multi car policy doesn’t just apply to the premiums paid for your additional cars. In fact, whenever you add a car to your policy, the premiums for each car significantly drop. Multi car discounts are how car insurance companies reward you for your loyalty.

Who is eligible for multi car insurance policies?

Car insurance companies provide multi car insurance to individuals and families as long as the cars listed on the policy reside at the same address. Sometimes, companies allow housemates and friends to insure their cars on the same policy as long as they can prove they live at the same address.

The benefits of multi car insurance

If you have multiple cars, you likely purchased them separately over a period of time. The time in between car purchases means your car insurance premiums could be vastly different, from separate providers to different renewal dates.

Paying your car insurance for multiple cars can be a hassle when you have policies with separate companies and bills due on different dates. Also, when you’re dealing with multiple companies, your coverage limits are different, and your costs out of pocket can be extremely high.

Easier bill management

If you’re like most people who have several bills, it can be challenging to keep track of them all. When you add your additional vehicles to a multi car policy from one company, your due dates can be synced and you won’t have to worry about forgetting when different policies are due.

While this won’t make your household bills disappear, it will make paying bills easier. Of course, syncing your renewal dates is optional with most policies and if you prefer to have separate renewal dates, you can.

Understanding your coverage for every vehicle

Another benefit to insuring all of your cars with the same company is that you don’t have to keep track of what multiple companies cover for the same portion of your policy.

For example, you might have comprehensive coverage with a $300 deductible from two separate insurance companies, but only one company covers tire replacement. You’ll be out of pocket if someone slashes your tires on the car that isn’t covered.

Additionally, you might have roadside assistance from both insurance companies, but only one will bring you gas while the other will just tow you away. So if you run out of gas and get stuck in the car whose policy will only tow you, you’ll be forced to use one of your yearly tow allowances just to get to the gas station.

When you have all of your cars insured by the same company, you only need to keep track of what level of coverage you have for each vehicle. When you want to know what, specifically is covered, you only need to make one phone call or visit one website to find out.

A “no claims bonus” could save you even more

Many insurance companies offer “no claim bonuses” for not filing claims over a certain period of time. When you don’t file any claims, your insurance provider doesn’t have to pay. The company sees you as a low-risk customer, and because you’re saving them money, they return the favor in the form of a bonus.

When you have a multi car policy, one car’s claim doesn’t affect the no claim bonuses for the other cars. So, if you make a claim on your Honda, but your spouse never makes a claim on their Toyota, they are still eligible for the bonus.

Some no claim bonuses can take five years to generate. However, some insurance companies have been known to reduce premiums by up to 75 percent for people who go five years without filing a claim. That’s a decent bonus!

In order to maintain their no claim bonus, some people choose to pay out of pocket for minor damage rather than make a claim and lose their bonus.

For example, say you back out of your driveway and lightly tap a pole that scratches your paint. Your quote to fix it is $400, and your deductible is $350. If you file a claim, your insurance provider will only pay $50, but that $50 will raise your rates and cause you to lose your no claim bonus.

Sometimes it can cost more to make a claim than it can to just pay to fix the damage. We ve got a few more tips on deciding whether to file a claim. too.

Multi policy discount for families and students

When you have a family that includes children, it’s almost guaranteed that you’ll have more than one car. With the discounts offered for adding additional cars to your policy, you can count on having some extra cash freed up at the end of the month that you can spend on your family.

The best part is that if you’ve got kids who have moved out on their own, or are attending college somewhere else, most companies will allow you to keep them listed on your policy. Then, when they come home or come to visit, they can drive you around town!

Multi car insurance discount

Because multi car discounts reward you for your loyalty, there’s no reason not to add your second car to your existing policy. But before you do, you may want to get multiple quotes from different car insurance companies to find the best deal.

Your current insurance provider might have been the best deal you could find for a single vehicle, but you may find other insurance companies that provide a better deal for multiple cars.

Try our car insurance quote comparison tool —it’s a great way to get multiple car insurance quotes at once and start saving money on your multi car insurance policy today.

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