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Life Insurance – Did Things Just Get More Interesting

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Uchenna Ani-OkoyeFor the majority of our lives, the subject of life indemnity has traditionally been one that each of us has probably desired to ignore. It is often regarded as tedious, frustrating, dull, and not altogether necessary – at least until you reach that age. On another level, despite its importance and the inherent sensibleness that is evident when an individual is seen to have taken out a policy, it is still very difficult to make the subject of life insurance seem interesting, positive and relevant – without seeming preachy.Of course, all that is about to change, drawing influence from a blog post at ‘wnyc’ entitled: Life Insurance Not So Dull After All, the interview contained therein highlighted the fact that, aside from what it might mean from person to person in regards to when/whether they should be thinking about it, life indemnity on an industrial and business level is one of the most crucial factors in regards to the recession – and consequently one of the most discussable subjects for the press.In that post, proficient Aaron Elstein points out the likelihood of further bailouts for American life indemnity (many insurers remain in a strong condition) companies due to certain investments in bonds (i.e. mortgages) which have declined in value. In turn, such declining bonds will be sold at a loss and certain insurers will be losing money – and, in simple terms, may well struggle to pay out claimants without government aid. if that doesn’t sound like the makings of a John Grisham novel, further life insurance-orientated news stories seem like the stuff dreamt up by Hollywood scriptwriters.The Los Angeles Times (and other places) reported on April 8th of the story of two middle aged women who’ve been arrested and accused of life insurance fraud on a grand scale. The women (aged 60 and 66, and thought to have worked with others) are said to have bought life insurance policies in the names of fictitious people, waited until the policies had matured, held fake funerals, and then received the payouts from their own beneficiary bank accounts.The couple are facing various charges and are said to have carried out two fake indemnity claims for people called Jim Davis and Lara Urich, leaving agents etc stunned at the lengths some will go to. The Times stated: “the defendants are accused of faking the cremation of a “Laura Urich” and collecting $5,000 in funeral expenses and $50,000 in indemnity death gains through two purported beneficiaries, according to court records.” Aside from being a significant thing to consider when each of us reaches that certain time in our life – in 2009, it seems that life insurance could be the most intriguing subject of the time, and a great reflection of life in the 21st Century.

Uchenna Ani-Okoye is an internet marketing advisor

For further information on life insurance policies as well as product recommendations and services, I suggest you check out: http://www.cheap-insurance-life-policy.com/

Article Source:

eArticlesOnline.com

byAlma Abell

Though often associated with engagement rings, Diamond Rings can be a special piece of jewelry for anyone. They’re often bought as gifts for anniversaries, holidays, and other milestone celebrations.Engagement rings are typically what people think of when they think of a diamond ring. This variety of diamond ring is usually a solitaire, but may be flanked by some smaller diamonds or have pave diamonds along the band. This is a showcase piece- where the diamond is front and center, and meant to make a statement.

Eternity bands are another kind of diamond ring. This style has mid-size or smaller diamonds which are bezel or pave set into the entire circumference of the band. Because of the eternity symbolism, people often favor this style to give as a wedding anniversary gift.

Fashion diamond rings come in a variety of styles and are meant to be worn for the joy of wearing a diamond ring. They may be pave set into abstract designs or popular forms like hearts, flowers, bows, or luck symbols. Other popular styles feature animals, monogram initials, and birthstone rings.

Diamond rings may be a solitaire or multiple diamonds, which may be bezel or pave set, or set in one of many styles of prongs. Diamonds may be cut into various shapes, with the more popular ones being round, princess, and cushion cuts.

The most affordable rings are usually made with raw diamonds. Raw diamonds are essentially straight out of the earth, with little or no polishing or cutting. They may be cut into a specific shape, but otherwise they’re left natural. These kinds of rings don’t suit everyone, but they have a unique, organic look that many people like.

Other diamond ring prices depend on the size, quality and cut of the stone. The most expensive diamonds will have no inclusions, will be clear, expertly cut, and have an intense sparkle to them. The bigger the carat size, the bigger the price tag. Due to their rarity, colored diamonds such as pink, blue, and canary will also have a higher cost so long as the stone is decent clarity.

Diamonds that might have a couple inclusions or slight cloudiness will take the price down, and can still make for a great piece of jewelry. Those who are shopping for a diamond ring for any occasion may check jewelry stores, estate sales, boutiques.

Auto Insurance Specialists – Are Auto Insurance Specialists a Thing of the Past?

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David Ackland

Auto insurance specialists used to e exactly what their title implied, specialists. They knew the car insurance industry inside and out and could find deals on a policy that the average consumer had no shot of getting. They were paid well for this service and everyone made out in the end.

Now people are skipping the specialists and shopping for vehicle insurance without any help at all. The auto insurance specialists are sitting in their offices waiting for the phone to ring while the car insurance buying public is finding low cost insurance online in record numbers.Buying your car insurance policy is a great deal for everyone except the auto insurance specialist. The insurance company saves money by being able to sell you a policy directly. The specialist was a middle man of sorts who got paid to match you up with an insurance company. Now that they are cut out of the picture the car insurance company saves a little money and the consumer saves a little bit of money as well.The reason you can do anything an auto insurance specialist can do is that the Internet allows you to access all the same information that used to be available only to the insurance agent. You can get multiple quotes in minutes online and see exactly what each car insurance policy costs. This makes it very simple to compare car insurance quotes and has, in effect, made everyone an auto insurance specialist.The broker will argue that they can still find you a better deal than you can find by yourself, but we recommend asking him to prove it. Check into a few policies online and then ask your auto insurance specialist to get you a quote from those same car insurance companies. You may be surprised at who found the better deals.

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Auto Insurance Specialists – Are Auto Insurance Specialists a Thing of the Past?}

Travel Insurance: Policies and Places

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tinabarney

It is always a good time to think about getting some travel insurance when a person is about to embark on a trip that may either cost a lot or require deposits to be made to the travel agents. There is another option travelers can take and that is to review an existing policy they might have. There are provisions in these policies which shoulder different kinds of losses.

This is a discussion of what can be expected from comprehensive travel insurance policies and what could be expected when travel accident or airport flight policies are chosen by a traveler. Brokers can offer clients a series of coverage plans at a single premium or travelers can opt to buy different coverage types at separate prices. When comprehensive insurance is availed of the traveler is protected from any possible losses regardless of the cause that may arise during a vacation.

Travel insurance can also be adjusted to cover possible needs like emergency evacuation services, flight insurance, financial reimbursements for lost belongings, personal liability insurance, and flight delay allowances. It is normal for exclusions not to have an effect on leisure travelers. Below are the different policy provisions that a traveler may encounter.

For about $5 per $100 of coverage, insurance for cancellation and interruption is good coverage if you’re making large advance deposits or if your trip arrangements require you to keep to specified dates. Even with non refundable payments travelers can have their entire travel expense reimbursed when they experience cancelled or delayed flights. When a traveler needs to change reservations from a double to single accommodations if a companion can no longer join the trip so here is a policy that can shoulder such expenses.

Any changes in travel plans will always be covered if a traveler avails of this insurance policy. The insurance provider will be the one that pays for fees that will either allow a traveler to catch up or go home. For claims to be valid three reasons are possible including a case of illness, injury, or death.

Cancelled trips are covered by insurance policies considering that the travel providers or tour operators are the ones who caused the cancellations. When a person decides to get baggage insurance the cost will depend on two things namely the dollar limit and the length of time. Anything not checked in will not be covered by insurance should a traveler lose these items while on a trip.

Fires and thieves make it a necessity for most people to get homeowner’s or renter’s insurance to protect their valuables from jewelry to cameras to furs and most of the time these policies may have provisions covering even lost baggage during trips. Baggage insurance can easily deal with a lost bag during a trip. Medical insurance policies can extend coverage for a year at a time.

Medical services on foreign trips are usually shouldered but the traveler but reimbursements can be issued by the insurance companies back in his or her country. Outside the border Medicare will have no use but there are areas like Canada and Mexico where Medicare can be applied but only with limited coverage. Regular Medicare supplements may be the better option to take.

What will the cost be for an insurance policy that is complete? A family of four about to engage in a tour package that runs for two weeks can easily apply for benefits of one hundred thousand dollars for accidental death and dismemberment services, twenty thousand for emergency assistance, ten thousand for medical expense support, two thousand for lost bags, and two thousand for flight interruptions and cancellations all under one comprehensive travel insurance policy. Depending on insurance providers the average premium a person should expect to pay for this insurance policy is about two hundred dollars.

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Travel Insurance: Policies and Places

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