tag:blogger.com,1999:blog-38264720627292715922024-12-18T19:26:40.797-08:00Affprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-3826472062729271592.post-31257056038542011602014-09-02T08:52:00.002-07:002014-09-02T08:52:23.071-07:00<script type="text/javascript"> var var1 = "300"; var var2 = "250"; var var3 = "300x250"; var var4 = "243"; var var5 = "cb70ab375662576bd1ac5aaf16b3fca4"; </script><script type="text/javascript" src="//cdn.adshexa.com/show_ads.php"></script>Affprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.com0tag:blogger.com,1999:blog-3826472062729271592.post-14953688282886169492013-04-25T07:14:00.003-07:002013-04-25T07:14:57.099-07:00<div dir="ltr" style="text-align: left;" trbidi="on"> <script src="http://www.qpidaffiliate.com/index.php/promote/js?aid=69&amp;oid=CP2931" type="text/javascript"></script></div> Affprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.com0tag:blogger.com,1999:blog-3826472062729271592.post-62628075853965764122012-09-03T00:23:00.001-07:002012-09-03T00:27:54.937-07:00Life insurance, to many, is a necessary evil. Many policyholders swear by it to protect their families from loss of income and hefty debt obligations in the event of their untimely death. With several types of life insurance on the market, generally speaking, two varieties still remain the most popular: term and whole life, or "cash value" life insurance.<br /><br /> Types<br /><br />Cash value life insurance are policies in which premiums are used to pay for the cost of insurance, while a portion is placed into attached investment vehicles that grow over time. Some popular cash value life insurance products include variable life, whole life, universal life and paid-up insurance. Despite minor differences, these insurance plans are essentially the same. All cash value life insurance policies contain a death benefit and a cash account that's added to when a client makes a premium payment.<br /><br />Term life insurance is significantly different than its cash value counterpart. Term life insurance does not contain a cash value account. Premiums are used solely to pay for the cost of coverage. These premiums maintain the level of coverage for a specific "term." At the end of a policy's term, a new policy must be purchased.<br />Benefits<br /><br />Both cash value life and term life insurance have their benefits. The most significant benefit of cash value life insurance is its ability to offer coverage for the entire life of the policyholder. Many people take advantage of buying this type of insurance when they are young when they need it most. Cash value accounts may also be borrowed against or drawn from during the life of the policy. Policyholders are also not required to pay taxes on any interest or earnings attached to cash value accounts.<br /><br />Individuals and corporations also benefit from term life insurance. The biggest advantage of term life is the often very cheap premiums, especially when a person is young and healthy. It is possible, in many situations, to purchase significantly large face value amounts for monthly costs of $20 to $30. Term life is good for covering financial obligations that will eventually end, such as mortgages, automobile loans and education costs.Affprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.com0tag:blogger.com,1999:blog-3826472062729271592.post-41373296101864698712012-08-01T00:48:00.001-07:002012-08-01T00:54:51.931-07:00List of Insurane Companies in US<br /><br />Access General Insurance<br />AccuQuote<br />Aetna<br />Aflac<br />Alleghany Corporation<br />Allied Insurance<br />Allstate<br />American Automobile Association<br />American Family Insurance<br />American Income Life Insurance Company<br />American International Group (AIG)<br />American Pet Insurance Company<br />American National Insurance Company<br />Americo Financial Life and Annuity Insurance Company<br />Ameritas<br />Amica Mutual Insurance<br />Aon Corporation<br />Assurant<br />Assurity<br />Auto-Owners Insurance<br />AXA Equitable Life Insurance Company<br />Bankers Life and Casualty Company<br />Berkshire Hathaway<br />California Casualty<br />Capital Insurance Group<br />Cincinnati Insurance Company<br />CNA Financial<br />Colonial Life & Accident Insurance Company<br />Commerce Insurance Group<br />Conseco<br />Country Financial<br />Chartis<br />Chubb Corp.<br />Elephant.com<br />Encompass Insurance Company<br />Erie Insurance Group<br />Equitable Life & Casualty insurance Company<br />Esurance<br />Evergreen USA RRG<br />FCCI Insurance Group<br />Farmers Insurance Group<br />Federated Mutual Insurance Company<br />GAINSCO<br />GEICO<br />General Re<br />Genworth Financial<br />GMAC Insurance<br />Gracy Title Company<br />Guardian Life Insurance Company of America<br />GuideOne Insurance<br />Hanover Insurance<br />The Hartford<br />HCC Insurance Holdings<br />HCF Insurance<br />Hereford Insurance Company<br />Horace Mann Insurance Company<br />Infinity Property & Casualty Corporation<br />Insurance Company of the West (ICW Group)<br />International Fidelity Insurance Company<br />Illinois Mutual<br />Insurance-Dr.com<br />Jackson National Life<br />John Hancock Insurance<br />Kemper Insurance<br />K&K Insurance<br />Knights of Columbus<br />La Playa Insurance<br />lgap Insurance<br />Liberty Mutual<br />Lincoln National Corporation<br />Markel Corporation<br />MassMutual Financial Group<br />Merchants Insurance Group<br />Mercury Insurance Group<br />MetLife<br />Mutual of Omaha<br />Nationwide Mutual Insurance Company<br />New Jersey Manufacturers Insurance Company<br />New York Life Insurance Company<br />Northwestern Mutual<br />Ohio National<br />Omega<br />OneBeacon<br />Oxford Health Plans<br />Pacific Life<br />PEMCO<br />Penn Mutual<br />Preferred Mutual Insurance Company<br />Primerica<br />Principal Financial Group<br />Progressive<br />Protective Life<br />Prudential Financial<br />The Regence Group<br />Reliance Insurance Company<br />Response Insurance<br />RLI Corp.<br />Safe Auto Insurance Company<br />Safeco<br />Safeway Insurance Group<br />Sentry Insurance<br />Selective Insurance<br />Seven Corners Inc<br />Shelter Insurance<br />Southern Aid and Insurance Company<br />Standard Insurance Company<br />State Farm Insurance<br />Symetra<br />Tri-State Consumer Insurance Company<br />TIAA-CREF<br />The Travelers Companies<br />Tower Hill Preferred<br />Tower Hill Prime<br />Tower Hill Signature<br />Trupanion<br />Uniguard - Headquarter in greater Seattle area<br />United Automobile Insurance Company<br />Unitrin Direct Auto Insurance<br />Unum<br />Vantislife Insurance Company<br />USAA<br />Wawanesa Insurance USA (CA and OR)<br />West Coast Life<br />Western Mutual Insurance Group<br />Western & Southern Financial Group<br />Westfield Insurance<br />Western Reserve Life Insurance Company<br />White Mountains Insurance Group<br />Zacharias InsuranceAffprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.com0tag:blogger.com,1999:blog-3826472062729271592.post-57072507033226920032012-08-01T00:37:00.000-07:002012-08-01T00:39:24.369-07:00Insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.<br /><br />The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.Affprohttp://www.blogger.com/profile/15347151458484695108noreply@blogger.com0