INSURANCE USA | USA INSURANCE

USA Senior Health Insurance

2011-07-03T09:48:00.000-07:00

USA Senior Health Insurance:

The Original Medicare Plan - Available nationwide. If you get your health care from the Original Medicare Plan, you use your red, white, and blue Medicare card to get your health care. The Original Medicare Plan pays for many health care services and supplies, but it doesn’t pay all of your health care costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called “gaps” in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. For additional information on the Original Medicare Plan, visit the Original Medicare Plan section of the Medicare website.
Medicare Advantage (formerly Medicare + Choice) Plans - Available in many areas. If you have one of these plans, you don’t need a Medigap policy.
Medicare Part D prescription drug coverage. Available as a stand alone coverage or combined with a Medicare Advantage plan.

USA Insurance Cover In Mexico

2011-06-27T01:51:00.000-07:00

USA Insurance Cover Me In Mexico :
In short, NO. Although there are some American insurance companies who extend their coverage into Mexico, within a certain distance of the border, for Comprehensive and Collision risks, however, the Mexican Authorities DO NOT recognize American insurance. Because it is the law to have insurance in Mexico from a Mexican insurance company you must carry at least liability coverage from a domiciled Mexican carrier. It is safe to have a complete coverage package, as is offered here but if you speak with your domestic insurance agent you might be able to save some money and compliment your domestic coverage with a liability package from Qualitas.

USA Dental Plans & Dental Insurance

2009-09-26T11:34:00.000-07:00

Discount Dental Plans & Dental Insurance

Discount dental plans are an affordable, easy-to-use and hassle-free solution for anyone looking for dental care savings. Below is a comparison guide between discount dental plans and dental insurance to help you make an informed decision.

DISCOUNT DENTAL PLAN Characteristics Include:

No annual limits – plan members enjoy discounts on most dental care services all year long
Most plans activate within 3 business days
No tiresome paperwork hassles – plan members simply present their membership card at a participating dentist office for discounts on most dental services
No health restrictions – there is no need to wait for comprehensive dental treatment plans
Select plans include discounts on dental specialties, including cosmetic dentistry and orthodontics
Consumers pay affordable membership fees for access to a network of dentists offering discounts on most dental procedures
Available directly to individuals, families, businesses and groups

DENTAL INSURANCE Characteristics Include:

Limitations, deductibles and annual maximums
Waiting periods for major dental procedures
Tedious and time-consuming written claims process
Limitations/exclusions on pre-existing conditions
Certain dental specialties, such as cosmetic dentistry, are rarely covered
Consumers pay expensive monthly premiums for defined coverage
Typically inaccessible to individuals and families unless provided by their employer

Even if you already have dental insurance, the discounts offered by our discount dental plans may be used along with your dental insurance for even more savings on your dental care. Please consult with a participating dentist or dental care specialist before beginning treatment.

USA RBC ExpressTERM Insurance - FAQ

2009-09-09T10:16:00.000-07:00

Q: What kind of life insurance coverage is this?
A: This coverage from Liberty Life Insurance Company is a simplified issue term life insurance product. Many financial experts agree that term life insurance is the most economical insurance you can buy.
Q: Can I apply for coverage for someone else, like my spouse or child?
A: No. The applicant for the insurance policy must answer the health questions and sign the application through our e-Signature technology.
Q: How long will it take to find out if I qualify?
A: It usually takes no longer than 10 minutes to receive your coverage decision.
Q: Will my benefits ever decrease?
A: Liberty Life Insurance Company will never reduce your benefits.
Q: What about my premium? Will the premium I’m quoted today ever go up?
A: NO. Your premiums for the coverage in which you initially enroll will never increase for the life of the term.
Q: Is there a free look period with this coverage?
A: YES. You have a full 31 days to decide if the coverage is right for your needs. If for any reason within those 31 days you choose not to take the coverage, return your policy for a full refund.
Q: Do I have to take a medical exam?
A: NO. You will have to answer only a few simple health questions when applying for this term life coverage. There is no medical exam required - just answer a few health questions.
Q: What exactly is an "e-signature?"
A: The e-signature is an electronic way to sign documents attesting to the validity of the information as it pertains to truthfulness. It is as legally valid as your manual signature.
Q: Why do you ask for my Social Security number on the application?
A: Asking for your Social Security number protects you from fraud and from other people potentially taking out a life insurance policy in your name.
Q: Is it safe to pass this information on the Internet?
A: YES. This site is completely secure. All necessary precautions and technologies have been put in place to protect our customers and their personal information.

Q: I’m still not convinced. Can I speak to someone on the phone and apply that way?
A: Of course! We want to make it as simple as possible for you to secure this coverage. If you’d like to speak to an agent, click here and let us know.
Q: How do I pay for this coverage?
A: You can use either your credit card or EFT (Electronic Funds Transfer - a process by which your premiums are withdrawn from your checking account at a certain time). Your payments can be made monthly, quarterly, semi-annually, or annually, depending on your personal preference.
Q: Who will receive the benefits of my term life insurance?
A: You may choose anyone as your beneficiary, i.e. the recipient of the benefits.
Q: Will the beneficiary have to pay taxes on this coverage?
A: The benefit amount is normally paid tax-free. Please consult your tax advisor.
Q: How much life insurance do I need?
A: The amount of life insurance you should have depends on your particular situation. There are two primary factors to consider. The first is dependents: children, your spouse, relatives and others who may count on you for financial support. Second is your current financial situation: your assets and liabilities.

Things you should consider:

1. If you are married...

* What kind of lifestyle do you want to provide for your family?
* Would your non-working spouse have an income if you died?
* Would your working spouse have to "retire" to raise your children if you died?
* How would your death affect savings for your children's college expenses?
* Do you have special needs to prepare for, such as a handicapped child or a child who will never be self-supporting?
* How much will your family need for your final expenses? The average funeral in the U.S. is nearly $6,000.
* Does your spouse have the resources to pay for expenses until Social Security benefits begin? If you qualify, it usually takes 3-6 months to begin receiving benefits.
* Will your parents or other extended family members depend on your family's support in the future?

2. If you are divorced...

* Does your divorce agreement stipulate that you keep a certain amount of life insurance for your ex-spouse?
* Does your divorce agreement stipulate that you are responsible for your children's education?
* Did you retain financial responsibility for your home?
* Even if your divorce agreement doesn't require it, how much will you need to leave your children for their inheritance and to cover your part of their college costs?
* Does your spouse have the resources to pay for expenses until Social Security benefits begin? If you qualify, it usually takes 3-6 months to begin receiving benefits.
* Will your parents or other extended family members depend on your family’s support in the future?

3. If you are single...

* Has a relative co-signed on your mortgage or any other large loans?
* Do you have any friends or relatives to whom you want to leave money?
* Have you bought a house with a domestic partner, and have you agreed that each person's share of the mortgage is to be paid off upon his or her death?
* Do you want to leave money to a charity or other nonprofit organization?

4. Your Assets

* What are your current savings?
* Do you have any current life insurance policies, life insurance provided by your employer, or veteran's insurance?
* What other assets do you have that your family could sell or cash in to pay expenses after your death?
* What Social Security and pension plan survivor's benefits will you receive?

5. Your Liabilities

* What are your current savings?
* Do you have any current life insurance policies, life insurance provided by your employer, or veteran's insurance?
* What other assets do you have that your family could sell or cash in to pay expenses after your death?
* What Social Security and pension plan survivor's benefits will you receiv

USA RBC ExpressTERM Insurance

2009-08-28T11:02:00.000-07:00

Why wait another minute? Give your family the security and peace of mind they deserve – today! With RBC ExpressTERM life insurance, you can apply, be approved, and receive your policy in as little as 15 minutes—without leaving your computer.

RBC ExpressTERM puts affordable term life insurance at your fingertips. Complete your application in our secure, private environment. No agent will contact you unless you direct them to do so. You don’t need a medical exam to qualify – just answer a few basic health questions.

Why not get started now? Take a moment to learn more about this valuable coverage. Once you’re satisfied that RBC ExpressTERM makes sense for you and your family, get your free quote and apply online. That’s all there is to it!

Find out what RBC ExpressTERM can do for you.

USA - Individual Health Insurance

2009-08-15T05:26:00.000-07:00

What is considered Individual Health Insurance?

Individual Health Insurance is that coverage that individuals purchase independently. This form of coverage is regulated and controlled by each state separately.

Purchasing individual coverage is done through licensed health insurance agents or brokers, and are offered by a wide range of carriers.

Individual coverage is quite different than group coverage that is offered by most employers. Benefits are often times less extensive and do not necessarily provide coverage for services such as maternity, substance abuse, or mental health.

Premiums for individual coverage often times are a great deal higher than group coverage due to risk variables.

Individuals are asked to provide health information about themselves and family members that will be included in the policy. Additional information can also be requested from the applicants physician.

Pre-existing conditions, high blood pressure, smoking, age, gender, previous health history can often times all be a factor in assessing the applicants health status, and thus the premium is determined based on this information.

USA - Health Choices

2009-08-12T11:09:00.000-07:00

Marriage

What You Need to Know - Get all the details on your spouse's plan, and be sure you understand how it works. You'll want to know the amounts of any deductibles or copays you will be required to pay, and what you will pay for premiums.

Under the Health Insurance Portability and Accountability Act (HIPAA), you may be entitled to add yourself, a new spouse and children to your employer's plan or to your spouse's employer's plan under a special enrollment period.

What You Need to Do - To qualify for the special enrollment period, you must notify the plan and request special enrollment for everyone enrolling within 30 days of your marriage. Your plan may require that the notice be in writing and that is usually the safest course of action anyway.

If your spouse has health coverage available, compare the health benefits, cost and options under both plans, and decide which one works best for you.

USA Health Plans & Benefits

2009-08-09T04:18:00.000-07:00

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.

COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.

COBRA Continuation Coverage Assistance Under The American Recovery And Reinvestment Act Of 2009 (ARRA)
Provides information and guidance for premium reductions and additional election opportunities for health benefits under the ARRA.

Frequently Asked Questions: COBRA Continuation Health Coverage
Provides answers to commonly asked questions about COBRA.

Health Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA) (PDF)
Provides a detailed overview of the major provisions of COBRA.

Consumer Information on Health Plans
Provides fact sheets, booklets, and other health plan information from the Department's Employee Benefits Security Administration (EBSA).

Compliance Assistance
Provides publications and other materials to assist employers and employee benefit plan practitioners in understanding and complying with the requirements of ERISA as it applies to the administration of employee pension and welfare benefit plans.

Portability of Health Coverage (HIPAA) Frequently Asked Questions
Provides answers to questions including "what is HIPAA?" and "how does crediting for prior coverage work under HIPAA?"

Your Employer's Bankruptcy: How Will it Affect Your Employee Benefits?
Provides information on bankruptcy’s effect on pension and group health plans.

Your Health Plan and HIPAA ... Making the Law Work for You
Provides information about major provisions of the Health Insurance Portability and Accountability Act, the Newborns' and Mothers' Health Protection Act, the Mental Health Parity Act, and the Women's Health and Cancer Rights Act.

Retirement and Health Care Coverage...Questions and Answers for Dislocated Workers
Provides answers to common questions asked by dislocated workers about their pension and health benefits.

Top 10 Ways to Make Your Health Benefits Work for You (Español)
Provides information to help you make informed decisions about health plans.

Work Changes Require Health Choices (Español)
Provides information on protecting your health care rights when your work life changes.

Life Changes Require Health Choices (Español)
Provides guidance on making health benefit decisions following key life events such as marriage or the birth or adoption of a child.

USA Health Insurance

2009-08-06T11:36:00.000-07:00

Save Close To 20% By Comparing Insurance

Health insurance costs continue to rise, and it may be hard to find a plan that you can afford. You still can, however, by using InsuranceUSA.com to compare rates and find the policy that best suits your needs. You'll love how the site is set up with everything you need to know. This will include quotes for health insurance and other important aspects such as deductibles and co-payments.

It is easy to get health insurance quotes fast over the Internet. Just fill out the questionnaire online, which only takes minutes to do. We will then search over 100 of the country's health insurance carriers, so you can get the best insurance no matter what you need. After you have received your health insurance quotes, you can browse through to find the policy that best suits you. This way, you can also find a quote at an acceptable price.

Start saving up to 20% when you find health insurance at InsuranceUSA.com. Getting a fast quote is easy and lets you compare side-by-side all the important aspects of a health insurance policy. Try InsuranceUSA.com today and start saving on health insurance. It will be a decision well worth your time.

The Importance Of Health Insurance

It costs a lot to have and keep medical insurance. Many recent studies have shown that close to half the bankruptcies that happen to individuals in the country are because of medical expenses that mount up with the uninsured. Some people are fortunate enough to be able to partake in group health care offered by their employer, or by another organization. Having health insurance is extremely important for not only your health, but your financial situation, as well.

Many younger people believe that they do not need to have any health insurance, since they rarely need to see a doctor. However, if you wait until something happens to you, and you try to get insurance, it will cost much more. Some companies will even deny you when you have a pre-existing problem. That is why finding a health insurance plan is important for adults of all ages.

Having health insurance not only keeps you covered in case something happens, it also lets you have peace of mind that you are covered. That way, if you do have a medical emergency, you will not have to worry about the issues of paying for it and can concentrate on getting better instead. There is nothing worse than having to decide if an injury is severe enough to warrant a trip to the hospital, simply because you do not have the health insurance coverage to pay for it.

Shopping For Health Insurance Quotes

When you are looking for health insurance, there are a few things to know before you start your search. If you already have health insurance with your employer, there may not be enough of it to really help when you need it. You may want to consider looking into a supplemental insurance plan, so you have insurance to cover every situation. For those who do not have insurance with an employer, there may be other places that may cover you with a group plan. Try an alumni association, or you may even be eligible under one of your credit cards.

When looking at health insurance quotes, you will want to find coverage that covers as much as possible. Look into the insurance to see if preventive care is offered, what a hospital stay will cost, and so forth. Prescription coverage is also something very important to have, whether or not you take any medicines now. At some point, you may need an antibiotic or pain killer, and the costs of these can be high. Having insurance makes getting prescriptions easy - sometimes you may not have to pay for them at all.

When you decide on a type of managed health care program, it is important to be aware of the providers and places you will be permitted to use. Many times, they are limited. Check into your plan to make sure that you can go somewhere you trust and have access to facilities that are nearby

USA Car Insurance

2009-07-27T01:04:00.000-07:00

Consumers Looking For Low Car Insurance Rates Need To Get Multiple Competing Quotes!

Shopping for lower cost auto insurance is a breeze with the Kanetix® 'Insurance Shopping' service. We can provide you with access to multiple car insurance quotes from competing companies who offer some of the most competitive auto insurance rates in the USA - for a wide variety of driver profiles - including yours!

1. Simply enter the ZIP code where your vehicle is parked to begin the process
2. Complete the brief online interview and verify your information
3. Compare multiple auto insurance quotes to find cheaper rates

Your Cheapest Car Insurance Deal is Most Likely Found by Comparing Quotes:

How would you know whether you've gotten a good deal on your car insurance or not? If you already have an auto insurance policy, you might compare a fresh quote to the premium you now pay and that might give you a hint, but in fact it wouldn't tell you anything about the range of prices that are possible - and even likely from a variety of car insurance companies competing for your particular driving profile.

The shocking truth about car insurance is that prices can vary by hundreds and even thousands of dollars from one insurer to the next - for essentially the same coverage. Obtaining a more affordable car insurance policy is usually a matter of finding the auto insurer that specializes in your unique driving profile.

You see, each insurance provider has certain preferences and specialties in terms of the kind of driver profile that they are most efficient at pricing. If you don't review at least three quotes from competing auto insurers you would never know this simple fact about getting cheaper car insurance. You simply must compare quotes if you want to find more affordable car insurance. For the absolute cheapest car insurance rate, you need to compare as many quotes as possible.

What About The Cheapest Car Insurance Policy?

Obviously, a car insurance policy is designed to protect you, your family and your vehicle, as well as other people and their property under various circumstances. Of course, drivers also need to purchase auto insurance simply to comply with the law. However, it can be a mistake to purchase auto insurance strictly by price alone, as other factors must be considered as well. The term "cheap car insurance" should in no way reflect the quality of the policy or insurance provider.

While getting the cheapest car insurance rate may be the goal, you also want to make sure that you are getting the best car insurance coverage for your particular needs. The absolute cheapest car insurance policy may not in fact be the best policy for you to purchase. Carefully compare each insurer's rates, features, coverage and other pertinent information to get exactly the right coverage for you - make sure that the low cost car insurance you seek also provides adequate protection in the event of a serious incident. Weather it's a cheap rate, a cheaper rate or the cheapest rate ever, the policy ultimately has to provide the best protection possible in the event of a worst case scenario.

It's Such a Time Saver to Compare Free Car Insurance Quotes Through Kanetix

Shopping for auto insurance should be about finding the right coverage at the right price in as little time as possible. At Kanetix.com, we'll help you do exactly that in an easy and efficient way. There's absolutely no cost or obligation to the process, and in most cases you can even buy your auto insurance policy online. You may use our free insurance quoting service as many times as you wish with no restrictions. Something to keep in mind though: Our quoting service can only compare auto insurance quotes accurately when the information provided is accurate. For the most rewarding experience, make sure that you enter your information correctly.

Under most scenarios, you'll get an instant personalized car insurance quote from many of the nation's top car insurance companies right after you complete the brief application form. Compare the information from each of the providers to find the best coverage along with the most affordable premium. The rates you'll find through Kanetix.com are quite possibly the lowest you’ll find anywhere - so don't be surprised if you uncover major savings. Finding cheaper auto insurance coverage has never been easier or more convenient.

Compare Car Insurance Quotes Today and See How Much You Could Save!

Whether it's car insurance, home insurance, life insurance, health insurance or motorcycle insurance, we can help you find the low cost and affordable insurance coverage you need. Visit us whenever you are looking to get a quote for the personal insurance products you need.

USA Credit Insurance

2009-07-11T04:50:00.000-07:00

Principle of credit insurance

The most common types of credit insurance are:

Credit Life pays off the consumer's remaining debt on a specific loan or credit card account if the borrower dies during the term of the coverage.
Credit Disability (also called credit accident and health) pays a limited number of monthly payments on a specific loan or credit card account if the borrower becomes disabled during the term of the coverage.
Credit Involuntary Unemployment pays a limited number of monthly payments on a specific loan or credit card account if the borrower becomes involuntarily unemployed during the term of the coverage.
Credit Property pays an amount sufficient to pay off the entire debt on a specific piece of property serving as collateral for the loan if the property is lost or damaged. Unlike the first three credit insurance products, credit property insurance is not directly related to an event affecting a consumer's ability to pay his or her debt.

USA - Health Insurance

2009-07-06T08:16:00.000-07:00

* General Information
* Major Medical
* Medicare Supplement
* Accident and Sickness

General Information: A form of coverage that protects against the loss of life, loss of earnings, or expenses incurred due to illness or injury. Several major health coverages focus on more specific needs, such as accident insurance, disability income insurance, hospitalization insurance or sickness insurance.

Major Medical:Coverage designed to reimburse the insured for excess medical expenses in and out of the hospital. The policy usually includes a deductible, a coinsurance clause, and an aggregate limit.

Medicare Supplement:A type of private health insurance policy designed to supplement or pick up the costs of medical services not covered by Medicare. It is also known as gap coverage, or Medigap coverage.

Accident and Sickness:A form of coverage that can include protecting against the loss of life, loss of earnings, or expenses incurred due to illness or injury. There are a number of major health insurance coverages that focus on more specific needs.

American National Insurance Company

2009-07-01T09:02:00.000-07:00

Chartered in 1905, American National Insurance Company has evolved into an industry leader, ranking among the largest of life insurance companies in the United States.
Today, the company and its subsidiaries provide personalized service to more than 5 million policyholders throughout 50 states, the District of Columbia, Puerto Rico, and American Samoa.
Directly and through subsidiaries, the company offers a broad line of insurance products and services, including life insurance, annuities, health insurance, property and casualty, credit insurance, and pension plan services. Mutual funds and variable products are securities products distributed through Securities Management and Research, Inc., a subsidiary broker-dealer of American National Insurance Company.

Divisions

Multiple Line

Multiple Line's exclusive agency force markets a variety of life and property/casualty insurance products to individuals and families at all income levels throughout the United States and Puerto Rico.

Home Service

American National's Home Service Division markets to households in the United States and Mexico. The Home Service field force is made up of employee-agents who traditionally sell, service and collect premiums in the consumer's home.

Independent Marketing Group

Independent Marketing offers life insurance, annuities, and pension products to small business owners and individual consumers seeking wealth management and protection. Multiple distribution channels are utilized, including financial institutions, large marketing companies, employee benefit firms, broker-dealers, and independent insurance brokers and agents.
If you are an independent agent and would like additional information about the Independent Marketing Group, please call the Field Support Center of the Independent Marketing Group at 1-888-501-4043 option 1.
For more information, please visit our website at www.img.anicoweb.com.

Credit Insurance

The Credit Insurance Division offers products that provide for the repayment of loans in the case of the death, disability, or involuntary unemployment of the borrower, the loss or destruction of collateral, and other unforeseen events. The primary distribution channel for credit insurance products is general agents who market to auto dealers, furniture dealers, and financial institutions.
For more information, please visit our website at www.anico-cid.com.

Health Insurance

The Health Division markets a specialized portfolio of products, such as stop-loss reinsurance and association group health insurance, to employers and associations. The division also manages the health insurance business marketed and sold by other divisions of American National.

American National Insurance Company - Life Insurance

2009-07-01T09:00:00.000-07:00

Life Insurance

* General Information
* Whole Life
* Term
* Universal Life
* Variable Universal Life

General Information: An agreement between an insurance company and an individual. The typical life insurance contract provides that, in exchange for premium payment(s), the insurance company promises to pay at the death of the insured (or at another determined time if earlier), a sum of money to the beneficiary.

Whole Life: The most common type of permanent life insurance coverage, providing a face value death benefit for the entire life (“whole life”) of the insured, unless the insured cancels the policy or does not pay premiums. Premiums generally remain constant over the life of the policy and must be paid periodically in the amount listed in the policy.

Term: A type of life insurance policy purchased for a specified period of time. Often that period of time is a set number of years, such as 1 year, 10 years or 20 years. The policy can also be written for a term that expires at a specified age, for example, when the insured turns 65.

Universal Life: A type of permanent life insurance that provides limited flexibility as to the premium payment and death benefit amount. To increase the death benefit, the insurance company usually requires a person to furnish satisfactory evidence of continued good health.

Variable Universal Life : Variable universal life insurance combines the features of both variable and universal life insurance policies. The variable life feature allows the policyowner to place a portion of premiums in investment options that have the potential for greater earnings than are available from the guaranteed rates provided by the traditional whole life insurance products. The policyowner assumes all investment risk with this product. The universal life feature provides the opportunity for the policyowner to adjust both the premium payments and the death benefit in various ways as permitted by the insurance policy. The death benefit guarantee is based on the claims-paying ability of the insurance company and does not extend to the separate account.

American National Insurance Company - Annuities

2009-06-30T10:00:00.002-07:00

Annuities

* General Information
* Fixed Annuities
* Variable Annuities

General Information:A popular choice in retirement planning, an annuity refers to any type of periodic (generally monthly) payments made to an individual (called the annuitant). Payment options include lump sum, income for life, or income for a certain period of time.

Fixed Annuities: An annuity contract in which the premiums paid are invested in the general assets of the life insurance company, with the company guaranteeing a stream of fixed payments over the life of the annuity. The insurer, not the insured, takes the investment risk.

Variable Annuities : A variable annuity offers a range of investment portfolio options, with the annuity value and annuity payments varying depending on the performance of the portfolios chosen. The investment return of the portfolios in a variable annuity are subject to market fluctuations because the net premiums are invested in securities. The annuity contract owner assumes all investment risk with this product, including possible loss of principal amount invested. One of the many characteristics of an annuity is a death benefit payable to a named beneficiary, however, the death benefit guarantee is based on the claims paying ability of the issuing insurance company and does not extend to the separate account.

American National Insurance Company - Property and Casualty Insurance

2009-06-30T10:00:00.001-07:00

* General Information
* Auto Insurance
* Home Insurance
* Boat Insurance
* Agribusiness and Commercial Insurance

General Information:Property Insurance provides protection against loss/damage to real or personal property due to fire, windstorm, hail, and other covered perils. Casualty Insurance provides coverage for legal liability resulting from bodily injury or property damage resulting from an accident caused by the insured. Two common types of Property and Casualty Insurance are homeowners insurance and automobile insurance. Insurance coverage is also offered for Auto, Home, Boat, Recreational Vehicles, Classic Cars, Motorcycles, and Motorhomes.
Property and casualty insurance provided by American National Property and Casualty Company (ANPAC®), its subsidiary and affiliate property and casualty insurance companies.

Auto Insurance:A form of coverage that includes coverage for specific risks involved in owning and operating an automobile, such as bodily injury, property damage (both to the insured's car and to the car of the other driver, if the loss results from collision), fire, theft, and vandalism.Property and casualty insurance provided by American National Property and Casualty Company (ANPAC®), its subsidiary and affiliate property and casualty insurance companies.

Home Insurance:A form of coverage that protects the insured property against loss from theft, liability, and most common disasters. Homeowners insurance is required by the mortgage lender and may be included in the monthly mortgage payment.
Property and casualty insurance provided by American National Property and Casualty Company (ANPAC®), its subsidiary and affiliate property and casualty insurance companies.

Boat Insurance:A form of coverage that can encompass coverage for personal and commercial watercraft against a variety of perils and exposures.Property and casualty insurance provided by American National Property and Casualty Company (ANPAC®), its subsidiary and affiliate property and casualty insurance companies.

Agribusiness and Commercial Insurance:Coverage that can encompass property coverage, liability coverage, commercial and private passenger automobile coverage, and excess liability/umbrella coverage tailored for a farm, ranch or other agricultural business operations, contractors, and retail businesses.Property and casualty insurance provided by American National Property and Casualty Company (ANPAC®), its subsidiary and affiliate property and casualty insurance companies.

American National Insurance Company - Credit Insurance

2009-06-30T09:59:00.001-07:00

Credit insurance is sold in connection with a loan, a credit card or other credit account and is designed to make payments to the lender for the borrower if he/she is unable to make the payments.

The most common types of credit insurance are:

Credit Life pays off the consumer's remaining debt on a specific loan or credit card account if the borrower dies during the term of the coverage.
Credit Disability (also called credit accident and health) pays a limited number of monthly payments on a specific loan or credit card account if the borrower becomes disabled during the term of the coverage.
Credit Involuntary Unemployment pays a limited number of monthly payments on a specific loan or credit card account if the borrower becomes involuntarily unemployed during the term of the coverage.
Credit Property pays an amount sufficient to pay off the entire debt on a specific piece of property serving as collateral for the loan if the property is lost or damaged. Unlike the first three credit insurance products, credit property insurance is not directly related to an event affecting a consumer's ability to pay his or her debt.

American National Insurance Company - Health Insurance

2009-06-30T09:55:00.000-07:00

* General Information
* Major Medical
* Medicare Supplement
* Accident and Sickness

American National Insurance Company - Mutual Funds

2009-06-28T20:47:00.000-07:00

A mutual fund is a registered investment company which has a pool of money invested for its shareholders by an investment manager in a variety of instruments like stocks, bonds, or government securities, depending on the objectives of the fund. Each mutual fund is different in its make-up and philosophy. As an investor, you should look for funds with objectives and investment risk levels that match yours.

American National Insurance Company - Pension Plan Services

2009-06-28T20:46:00.000-07:00

American National provides design, marketing, administration, and funding of pension plans for the small business market. The types of plans offered to employer groups are 401(k) Plans, Defined Benefit Plans, including 412(i) Plans, and new Comparability Profit Sharing Plans.

American National Insurance Company

2009-06-28T20:41:00.000-07:00

Homeowners Insurance

2009-06-28T20:18:00.001-07:00

If you are looking for a way to keep your homeowners insurance costs under control, let InsuranceUSA.com help you find the plan you need, at the price you want. Thanks to InsuranceUSA.com it has never been easier to find great rates on the coverage that is necessary to protect your home and belongings. All you need to do is visit the InsuranceUSA.com website, and answer a few simple questions. Once you complete the questionnaire, InsuranceUSA.com will guide you through the process of choosing the company and policy that are right for you.

It does not matter if you are shopping for a new policy, or if you are looking to replace your existing coverage; InsuranceUSA.com will give you the tools that you need to find the right policy and the right price!

Why Homeowners Insurance is So Important

Having homeowners insurance is more than just a requirement that mortgage lenders dictate. A properly designed homeowner's policy will give you the peace of mind of knowing that your belongings are protected, and that your own financial security is protected against liability.

Homeowner's insurance coverage protects you in three significant ways:

Structures: The homeowner's policy protects the structures on your property. It protects against damage to your home, and ensures that you will have sufficient funds to affect repairs to your home. Should your home be deemed unlivable, your insurance policy will often provide you funds to allow you to rent a house or hotel room while repairs are made.

Personal Property: If any of your belongings are damaged or stolen, the insurance company will pay to replace them.

Liability: The insurance company will pay if someone on your property is injured. The insurer will also cover other claims against you for accidents on your property.

Shop Smart to Save Money

Homeowners insurance plans vary widely based on the company that issues them. There are a great many different ways to set up a homeowner's policy, not the least of which is:

Face Value: Always check your policy coverage amounts for each type of accident covered. Your policy should cover the cost of your home plus leave you enough to start again in a new place.
Know what is covered: You should always check your policy to confirm that you know precisely what is and is not covered by your plan. Theft and fire are two of the most common coverage, but many policies do not automatically include flood or landslide damage.

Exclusions: Know in which cases your policy will not pay off! Every insurance policy includes exclusions, and homeowner's coverage is no exception. Many policies specifically exclude intention damage by a resident or death by suicide on the premises. It pays to be aware of what your policy will not cover.

What is your deductible?: Most people can tell you what their insurance agent's name is, but most cannot tell you what their deductible is on their primary insurance policy. With that in mind, it is important to balance your need for affordability with your need to have a reasonable deductible should something happen.

Actual vs. Replacement Cost: How much is it going to cost you to get everything fixed. Actual takes into account your purchase price and depreciation. Replacement Cost researches the product now, and pays you enough to replace the item at current prices.

Discounts: The most important thing to know about insurance is that it is not designed to be a one-size-fits-all product. You can often bundle your insurance products, and your insurance company may offer bundle discounts, often as much as 15 percent per policy.

Auto Insurance

2009-06-28T20:12:00.000-07:00

Save Money by Comparing Insurance

Auto insurance costs continue to rise, and there are so many options available that you may not know which to choose. By using InsuranceUSA.com, however, to compare rates and find the policy that best suits your needs, the often grueling process of auto insurance shopping can be made simple with a few key strokes. You'll love how InsuranceUSA.com is set up with everything you need to know. This will include quotes for Auto insurance and other important aspects such as state-by-state information.

It is easy to get Auto insurance quotes fast over the Internet. Just fill out the questionnaire online, which only takes minutes, and then we will do the work of searching over 100 of the country's Auto insurance carriers, so you can get the best insurance no matter what you need. After you have received your Auto insurance quotes, you can browse through to find the policy that best suits you. This way, you can also find a quote at an acceptable price.

Start saving immediately when you find Auto insurance at InsuranceUSA.com. Getting a fast quote is easy and lets you compare side-by-side all the important aspects of an Auto insurance policy. Try InsuranceUSA.com today and start saving on Auto insurance. It will be a decision well worth your time.

The Importance of Auto Insurance

Auto insurance is mandatory in every state. This necessary expense, while it may often appear to be a nuisance, can come in handy if you are involved in an accident. With medical costs and law suit judgments soaring, a solid auto insurance plan can offer the best protection of your precious assets.

There are two auto insurance systems mandated by the states: The No-Fault system and the Tort System. The No-Fault system- utilized by most states- requires your insurance carrier to pay your injury claims regardless of who caused the accident (up to a specified limit) if you are in an accident. In contrast, under the Tort System people injured in auto accidents will be forced to seek out-of-pocket medical care, and then sue the at-fault driver's insurance company for reimbursement. They must be able to prove that such medical care was reasonable and medically necessary; under this law, the at-fault party cannot sue for reimbursement of medical costs.

Having Auto insurance not only keeps you covered in case something happens, it also lets you have peace of mind that you are covered. After all, consider the alternative. Do you know what happens if you don't get car insurance? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow your state's auto insurance laws!

Shopping For Auto Insurance Quotes

When looking at Auto insurance quotes, you will want to find the best and most coverage possible. Although most states auto insurance laws do not require a minimum Personal Injury Protection (PIP), for example, there are advantages to having this type of coverage. If you ever have an accident, PIP will pay for you and your passengers' medical expenses. Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. It's estimated that approximately 14% of American drivers are uninsured, despite the fact that most states have laws against driving uninsured vehicles. A car accident occurs approximately every five seconds in America; it is simply safer to have comprehensive auto insurance on the vehicles you drive.

For your free auto insurance quotes, simply fill out a short form, and we give you multiple free auto insurance quotes from some of the best insurance carriers in the business. Then, we require no further obligation whatever from you. You can compare the offers you receive, and then you can purchase the auto insurance policy that best meets your needs- without having to leave the comfort of your home! If you're looking for a better rate with better coverage, just try our free quote system and find the auto insurance policy that fits you. There is no charge, and it will take only a few minutes of your time.

There are plenty of reasons to insure your vehicle, but what kind of insurance should you get? The first place to start is to become thoroughly acquainted with your vehicle. It is a good idea to know as much about your vehicle as possible, including its general state of repair. Most auto insurance companies will give you discounts if your vehicle is equipped with properly functioning safety features, like safety belts and air bags. Be sure to let your auto insurance agent know about these details when getting your quote. These details can result in differences of hundreds of dollars, depending on the auto insurance company and their familiarity with your vehicle. Be sure to note whether you are entitled to other bonuses. You can get discounts for being a non-smoker, or for taking driver's safety courses. Also try to find a company that has a good, financially stable reputation and one that will process claims quickly.

Getting those free rate quotes is the first step in getting that good rate on your auto insurance. All of the auto insurance carriers you receive quotes from want your business, but it is up to you to decide which one is going to be the best for you and for your budget. With the current economic trends, having auto insurance premiums that are as low as possible is just one more way to save money that might be needed somewhere else in your life.

It is possible to save money, even hundreds of dollars on your auto insurance premiums. Every auto insurance company says this, but they are actually correct! You can save money on your auto insurance, from just a few dollars up to as much as five hundred or sometimes even more. But you can't expect to find that deal unless you look for it. So give us a chance to help us help you find that rate you desire! InsuranceUSA.com is easy to use, and our short form to get free auto insurance quotes online gives you access to free quotes which will give you the information you need to make an educated decision.

Browse around InsuranceUSA.com and see what we have to offer! Save money, get great auto insurance rates, and get the coverage you. We will make it so your auto insurance is one less thing you have to worry about in your daily life.

Health Insurance

2009-06-28T20:03:00.000-07:00

Life Insurance

2009-06-28T12:24:00.000-07:00

The prospect of getting life insurance is one that few people enjoy, but the process doesn't have to be painful or difficult. InsuranceUSA.com can help you find the life insurance policy that provides sufficient coverage for the best price possible. We have a library of information designed to give you the advantage in searching for life insurance, so you can avoid mistakes and have a good grasp of how life insurance works. You can find out all you need to make an informed choice when choosing between different policies.

Then, you can get free quotes from our list of partnerships throughout the United States. We partner with over 100 of the nations insurance providers, and our 6-minute questionnaire makes it easy to get quotes from the best providers. You can do all this from the comfort of your home, and we can help you narrow down your choices to best fit your budget and personal circumstances. There is no need to pay too much for your life insurance when a better alternative is only a few clicks away. Millions of customers have saved up to 20% on their insurance simply by shopping online for a better premium. Just fill out our free questionnaire and you could save as well.

Why Do I Need Life Insurance?

Death is an uncomfortable subject for everyone, but it's one of life's certainties. We can't avoid it, and only time will heal the pain of losing a loved one in a family. However, if the unthinkable should happen to you, having life insurance can help ease the strain that your spouse and other family members will undergo as they deal with the changes. It is always good to have the peace of mind that your loved ones will be able to continue living without too much financial strain after you're gone.

That is the basic purpose of life insurance: financial protection for your family after you're gone, no matter when it happens. The particular details of why you decide to get life insurance (and what kind) will depend on your personal circumstances. The proceeds from a life insurance policy might be used for a variety of purposes, including replacing lost income, to paying off debts, or even just paying for burial services.

How Do I Shop For Life Insurance?

There are so many different kinds of life insurance policies that finding the right plan for you can seem overwhelming at first. Different insurance companies can differ greatly in their rates as well (as much as 50%), so it is worth spending the time to find a policy that is exactly what you want. Your goal is to find the best policy that provides the coverage you want for the lowest price, and that has good, quick customer service with a stable financial reputation.

First, consider your family and personal circumstances. If your children are grown and living elsewhere, you will not need to purchase life insurance that has quite as extensive coverage as you would with a large family of young children. If your spouse works away from home, this would also mean less coverage is necessary. Your health and financial stability also play a role. For instance, a smoker with large debts may require more life insurance.

Next, ask about the policy details. If possible, try to purchase insurance for at least one year, instead of making monthly payments. This can help you avoid surcharge fees. Inquire about cash-value policies: these may allow you to make investments and to borrow extra money. This is different (and usually more expensive) than a term life policy, which simply provides money to your survivors at the time of your death.