Sometimes you have a really terrible day when everything that can go wrong will go wrong and at the worst time possible. For example, you son has problems at school, your wife called you twice, because you are late to the dinner. Your mind was on your problems while you were driving home and you almost cause an accident. Finally, you drove in your driveway and pressed the remote garage door opener. The door did not open. Of course, you groan. The last thing you need now is a bill for repairing garage doors. If you have your own house, you’ve probably experienced Murphy’s Law more than once. Read more…
Unlike car insurance, life insurance is optional. There are of course several practical reasons for this legal position, but viewed from a purely logical perspective you might think that we’ve got our priorities all wrong. The financial implications of death for anyone with a family or dependants can far exceed the monetary impact of the average shunt in the family car. However, tightened purse strings in these difficult times are of course totally understandable, and many people will feel that they simply cannot afford regular payments towards life insurance.
If you are being glib about it, life insurance is after all a bet that you will die – not the most cheerful of propositions! Obviously, we’ll all check out at some point, but when it comes to term life insurance, there is an element of grim wager. The ‘term’ bit means that the life insurance cover is limited to a specified period, after which the policy is dead and will yield no money. You may survive the term to earn another day, and in fact you are statistically likely to, but the regular premium payments you have made during the life of the policy will simply be financial history. So why take a term life policy?
The simple answer is affordability. It is precisely because you are likely to survive the term, thanks to things like modern medicine, that the life insurance providers like Santander can offer you a policy with low regular premium payments. This is especially true the younger you are when you take out the policy, for obvious reasons. If you have a modest income but also a mortgage, products like decreasing term life cover can ensure that your dependants will not lose the family home if they are unfortunate enough to have to deal with your untimely exit during the specified term.
If you don’t like the idea of making regular payments towards a policy that you hope to outlast, there are options short of the relatively expensive provision of whole life insurance. Whole of life insura Read more…
What with austerity cuts, pay freezes, rising inflation and the recent VAT hike very few people are flush for cash at the moment. So millions of people are in need of some financial help, as in, reducing your outgoings so you can afford to enjoy the nicer things in life. No one actually wants to pay bills, but unfortunately we all have to. But that doesn’t mean we have to pay a lot for them.
Insurance is something that few of us like to spend too long thinking about. When we spend any time thinking about it we quickly realise that we are giving money away just in case one day we may need some back. However, we all have insurance, car insurance is a legal requirement, but seeing as we rarely make any claims we want to make our premiums as low as possible. H Read more…
In the past, if you wanted to compare term life insurance policies and quotes, then you are in for a long and tedious process. Fortunately, the internet now offers a way to get life insurance quotes in Florida or in other states in the US easily and quickly. To help you get started, here is a simple guide to comparing term life insurance policies and rates.
Before setting out to look for a policy, try to determine how much and what type of life insurance you need. Read more…
These days, more and more people are choosing German caravan manufacturers to provide their ultimate holiday home. This is because their caravans can be incredibly high spec, with top of the range furnishings, fixtures and fittings throughout and with a reputation for quality. However, not only does this make them attractive to potential caravan owners but it also makes them attractive to thieves as well, and this can have a huge impact on whether or not you’ll be able to find German caravan insurance.
Finding this particular type of policy can often be tricky for the simple fact that firms regard you as a higher insurance risk. Y
Airline delays seem inevitable to many travelers. When delays do happen, it is more and more rare for the airline to provide compensation to the travelers. However, travel insurance can help when vacation plans are delayed, interrupted or cancelled by airlines. A recent article from USA Today provides information about airline delays showing this year has been an overall improvement, but September’s statistics were a slight setback. The following is an excerpt from the article.
•Year-to-date. On-time arrival performance during the first nine months of this year was the third best for the January-September period in 16 years. Only 20