Posts Tagged ‘Before’

Before You Finalize Your Home Insurance in Calgary

Article by Webmaster3124









Having bought your home anywhere in Canada, the first thing that you must do is to buy a home insurance in Calgary that will cover your home and the moveable household objects and valuables.

When you are searching for a home insurance in Calgary, it is better to ask for expert advice. You could search online for some agents and brokers who deal with home insurance as well. They will ask you some questions that would define your home insurance requirements and what all do you want to cover. Based on your replies, they would customize the home insurance plan for you so that it covers all that you want to and at the same time fits in comfortably in your budget.

Not just home insurance, the brokers can also customize your life insurance requirements as well. If you haven’t got a life insurance in Calgary as yet, then it’s time you make a smart move by connecting with an expert insurance broker who would help you make the best decision for you and your family.

Depending on your specific needs, the insurance broker will suggest you whether you should opt for a term life insurance policy or a whole life insurance plan. The broker would start with understanding your need and then suggest what kind of life insurance works best for you and for what time period should you opt for if you need a term life insurance. Based on your needs, a customized plan will be prepared and the broker will explain all the jargons and the terms and conditions of the plan.

When you are choosing from amongst insurance brokers in Calgary, there are certain things that you must see before finalizing on one. The first thing you need to check is that the broker should come from a reputed and well established agency. This adds a trust factor as you are letting the broker make important decisions for you, your home and your family. Secondly, the broker should be able to give you customized solutions that would be built just keeping you in mind. This is only possible when the broker has a one to one conversation with you and based on your discussion, adds features to an insurance plan that works for you. If you want a home insurance, make sure your broker has expertise in home insurance in Calgary and is accompanied by CAHPI inspectors who meet the standards of practice and code of ethics set out by the organization – Canadian Association of Home and Property Inspectors.

Having bought your home anywhere in Canada, the first thing that you must do is to buy a home insurance in Calgary that will cover your home and the moveable household objects and valuables.



About the Author

Author has a wide experience in writing articles on various topics like business, shopping insurance brokers in Calgary, home insurance in Calgary mobile, health, etc.










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Questions To Ask Before Taking life Insurance

Article by SjoerdN









When looking for Insurance we often think if we really need it? But that’s not the only thing we need to know. Since almost everyone suggests that it is important to take insurance, more important to know is what kind of insurance is required and what to know before taking life insurance?

Why take life insurance?

Life insurance is a security one buys for oneself and for the family. It ensures that if there is untimely death of the earning member, rest of the family don’t have to face the financial insecurity. Life insurance may also be bought to cover specific events during the life of a person through investment linked life insurance plans. So, life insurance should be taken by those

1. Having financial responsibilities2. Having people dependent on them3. Taken loans for home or car etc.4. Looking for secure investment options5. Looking for tax exemptions6. Planning for retirement along with insurance cover

So, identifying the need for insurance is the first crucial step. Purpose of insurance helps decide the type of insurance required.

What all to consider before buying insurance

After identifying the nature or the type of life insurance cover you want, next important things are1. Coverage – How much cover do I need? Calculating a life’s worth is as difficult as it is important. It depends upon the purpose and the nature of life insurance. If it is for the child’s education you may need to calculate how much you may need to spend and at what time to decide on the maturity amount. If it is term insurance, you will need to calculate all your financial liabilities, including loans if any, cost of living for spouse, children or other dependents such that they don’t have to face financial difficulties in fulfilling whatever you had planned for future.

2. Premium – How much premium should I pay? Premium you pay for the insurance depends upon things like nature of insurance, sum assured, age, health, duration of cover and other benefits offered by the insurance company. Life insurance in which you get some money in the form of maturity amount have higher premiums than a pure term insurance plan. Many life insurance policies will require you to undergo medical examination. Your medical report is important in determining insurance premium. Younger the insured person, lesser the premium as insurance companies consider older people more liable to health issues.

3. Benefits – What benefit do I get from my life insurance? Identify what benefits you will get out of life insurance. If it is a pure term life insurance, all you get is sum assured in case of death of insured during the insurance term. If it has to return of premium, you will get a maturity amount at the end of the insurance term. Similarly, if you are opting for investment linked life insurance like money back, endowment or child plans, it is netter to go through and understand all the benefits that you may get for taking the policy.

How to go about buying Life insurance

One you have decided upon the purpose of insurance and the sum assured, you will generally have an idea of what you are looking for. The next step is to compare insurance quotes of different companies so that you get the best deal.

Insurance is a long term commitment so make sure that you decide on a premium that is convenient for you to pay and sum assured is enough to cover your requirement.



About the Author

Easy Policy, We make buying online insurance policies offered by different companies in India easier. Compare insurance quotes and get best rates for Child Plans, Health insurance, car insurance, travel insurance and term insurance at Easypolicy.










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Things to Keep In Mind Before Choosing New York Home Insurance

Article by Samuel Nash









Home insurance is necessary as it helps you in protecting your property from natural calamities like earthquakes, floods or other dangers like thefts and structural damage. A person pays a premium to the insurance company in order to get his property insured. In return, the insurance company helps whenever you suffer from an unexpected loss or damage to your property.Experts suggest keeping in mind the following things before choosing a New York home insurance policy:

Adequate research: Buying home insurance is a smart decision, and choosing the right insurance company can require a lot of research. The most common mistake made by people is to buy the first insurance policy they see. You should do adequate research by reading through the home insurance quotes offered by several different companies. Such research will help you in selecting a company which pays claims on time and has a good reputation in market as well as an affordable price and the coverage you need for your particular property and belongings.Read the fine print carefully: Several vital points like payment clauses, rate claims, liability coverage and premiums should be taken into account and be discussed thoroughly with the New York home insurance provider before buying a home insurance policy. You should go through the disasters covered in the insurance before finalizing your decision.Avoid buying extra coverage: Several New York home insurance providers group other insurances into a package with home insurance. You should avoid buying such insurances as these are charged separately by the provider.NYSautoHome-Insurance.com is an online provider of affordable insurance policies for your home, cars, business and family. NYSAutoHome-Insurance.com employs efficient and dedicated insurance experts who provide you with the highest level of customer service in order to earn your trust. NYSAutoHome-Insurance.com believes that customer satisfaction is the only way to achieve success. For further details about New York home insurance, please visit http://www.nysautohome-insurance.com.

About the Author

Samuel Nash, I enjoy playing Hockey, I help coach my grandsons hockey team. I also enjoy boating and being on the water.










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Ways To Obtain Quotes For Home Insurance Before Your Loan Closing

Article by Todd Meyers









If you are purchasing a home in South Florida, you will be required to provide the lender with Evidence of Insurance for the property prior to home closing. The lender will require the home be covered with dwelling and liability coverage, and in some circumstances the lender will also require the home buyer to invest in Flood insurance and Hurricane insurance depending on the risks in the area the home is located. If you are not sure where to begin to find the best home insurance South Florida providers at the most affordable rate, consider the options below and make the choice that is most convenient for you.

Mortgage Lender Recommendations

A majority of the time, the mortgage lender you are financing your home with will recommend a home insurer they work directly with. The insurer recommended by the lender will generally be financially stable and well known in the industry for providing quality coverage types and adequate limits. Many home buyers choose to bind coverage with the company recommended by the mortgage lender because it is extremely convenient. The lender and insurance agent will communicate back and forth about details on the home, required coverage limits and premiums. While they will also speak with the applicant to ensure coverages are adequate and to receive the final approval of the policy, securing home insurance recommended by the lender can be the quickest way to go.

Contacting Your Existing Auto Insurance Agent

Homeowners who are prepared to bind their own home insurance also have the option to choose an insurer that is approved by the lender. Lenders will approve all financially stable home insurance South Florida insurance carriers as long as the policy provides the limits stipulated in the loan contract. If it is your first time buying a home and you carry auto insurance with an agency offering home insurance, it may be a good idea to contact your agent and receive a quote on homeowners insurance. Because you already have a rapport built with your auto insurance agent, you will feel comfortable to ask all of the questions that are crossing your mind. In addition to the comfort factor, you can also take advantage of multi-policy discounts on both your auto insurance and your home insurance which can save you hundreds of dollars a year.

There are also other methods to receive a variety of quotes without spending hours meeting with various insurance brokers and agents. Home buyers can surf the web for quoting companies that will submit your home information to several different home insurance South Florida providers. This way the insurers will contact you with quotes rather than you contacting them. No matter which method you choose, make sure to do your research on the insurer and the policy coverages and make the best decision to protect your investment.



About the Author

Visit Home Insurance South Florida for more information or visit our blog at http://floridaautohomeownersinsurance.com/home-insurance-south-florida-style/.










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Nine things you should think about before taking a life insurance paramedical examination

By Michelle Matlock, Life Quotes, Inc.

When you apply for life insurance, you will most likely have to take a medical exam.

Individual life insurance companies have a number of tools at their disposal when it comes to rating policies, and one of those tools is medical underwriting. Since the basis of insurance involves assessing risk, health status plays a critical role in the underwriting process.

What to expect

Paramedical examiners are licensed health professionals that insurance companies hire to perform medical examinations on potential policyholders. When you apply for life insurance you will be required to answer a series of medical questions, or if you apply for a policy at an insurance website, you can fill out a questionnaire online. The second part of the application is a medical form that is completed by your examiner. Examinations are generally performed in the privacy of your home or place of business.

Most paramedical exams require examiners to collect a urine sample and blood draw. You will also be asked to provide your driver’s license and social security number. Typically an examiner will accept alternative forms of identification such as a military ID, passport or state issue identification cards with a photo ID. This information will be used to fill out the lab ticket. The lab uses your complete blood count (CBC), to rule out a number of conditions such as leukemia, cancer or HIV. You may also be required to take a liver function test, or a Carbohydrate Deficient Transferrin (CDT) test, which is used to rule out alcoholism, cirrhosis and other liver diseases. Lab technicians also check your cholesterol level, which will be used to evaluate your risk for heart attack or stroke.

In addition to urine and blood samples, examiners will check your blood pressure, pulse rate, and measure your height and weight. In some cases, you might be required to take an X-ray or treadmill test. Some exams might require checking your “timed vital capacity” (TVC). This is a breathing test that determines how well your lungs are functioning. They may also require some applicants who smoke or have a history of heart disease to have an electrocardiogram (EKG), a test that records electrical changes in the heart.

Questions your examiner will ask you include:

1. Name and address of personal physician?

2. Date and reason last consulted?

3. What treatment was given or medication prescribed?

What you should do

While some folks find paramedical examinations a little daunting, the extent of a paramedical exam varies by insurance company.

Also, some companies require less information than others and have a shortened version of a paramedical exam. But be warned— if you are a smoker, your mortality rate is often higher than nonsmokers, and insurance companies usually require a more thorough medical examination for tobacco users.

“If your agent isn’t prepping you for your exam then they are not doing the right thing,” says Ryan Pinney, a brokerage director and insurance risk specialist for Pinney Insurance Center, Inc. in Roseville, Calif. “There are so many things that can mess up your lab results that people don’t consider.”

Pinney offers some sage advice that will help increase your odds of doing well on an examination.

1. Don’t consume alcohol for 72 hours prior to your exam.

2. Don’t take your exam if you are dehydrated.

3. Don’t take ibuprofen or aspirin because this will create elevated liver function.

4. If you exercise or work out regularly, take a break for a day or two prior to the exam. “When you work out your muscles breakdown and that can tweak the outcome of your lab,” says Pinney.

5. Don’t eat fatty foods for at least two days before your examination. “If you have an exam coming up and you must choose between a triple cheeseburger or salad, go with the salad. Even if you don’t have high cholesterol, fatty foods will temporarily heighten your cholesterol levels,” notes Pinney.

6. Take your exam first thing in the morning don’t wait until later in the evening. “Your blood pressure is lower in the morning because you’ve been sleeping for 6 to 8 hours. It’s never a good idea to get stressed out at work, fight rush hour traffic and then take your exam,” Pinney recommends. In addition, Pinney says when you sleep your back compresses, so you are also a little taller in the morning. “This can help you when it comes to measuring your height and weight.”

7. Wear your tennis shoes. “When your height and weight is measured you don’t have to take off

What You Need To Know About Health Insurance Before You Shop For A Plan

Article by Jo Rosario







With so many different types of health insurance plans and restrictions out there, it can be difficult finding the best health insurance for you. Health insurance can be confusing, especially if it is your first time shopping for health insurance. You need to understand terms such as deductible, co-payments, and pre-existing conditions to find the plan that best covers your health care needs. There are a few items to look for when deciding on health insurance plans, and by considering them all you can make a good decision for yourself and your family about health insurance.

The most important thing to look for is coverage. More often than not, insurance will cover physician visits and fees. Your health insurance should also cover hospital expenses such as room and board in case you are kept overnight or longer for observation or treatment. Good health insurance should also cover surgeries and any expenses associated with surgical treatment. Beyond these typical items of coverage, health insurance plans can diverge greatly.

Do you have glasses or contacts? Then you may be more interested in a plan that covers vision – either paying for your eye exam and/or partially paying for your glasses or contacts. Though many people think that health insurance covers prescriptions, prescription coverage is actually an optional benefit. If you know that you often have prescription drugs to fill, finding insurance that offers prescription coverage may be a must. If you are a woman and plan on having or want to have children, maternity care or family planning services are also optional benefits that you may want to consider. Once you make this must-have list of optional coverage, you can begin looking for health insurance plans that give you the opportunity to add these optional benefits.

Another item you should definitely consider is if your current physicians or specialists are included in the health insurance company’s preferred provider network or if you have the opportunity to choose any physician. If you would like the freedom to choose your own doctor, traditional health insurance plans or preferred provider organizations may offer more attractive plans – though these also cost a little more.

Lastly, after researching different plans coverages, compare deductibles and monthly premiums. By researching price, as well as other health insurance options, you can make the best choices for your family.

In the United States, there are about five different types of health insurance available: traditional health insurance; preferred provider organizations or PPOs; point-of-service plans or POS; health management organizations or HMOs; and most recently, health savings accounts or HSAs. With so many types of health insurance, it may be confusing trying to figure out which one best fits your needs, so thoroughly research each and speak with a professional if you need clarification. Traditional health insurance is the one that most people think of when they think of health insurance.

You pay the insurance company a premium every month, and if you have an accident or need for health coverage, you have a deductible amount you must pay and then the insurance company picks up the rest of the bill. You often have an inexpensive office and/or prescription co-pay with traditional health insurance. With people living longer, health insurance companies began to look for more ways to reduce their costs, developing different health plans such as PPOs. PPOs are plans which will cover nearly all of your medical expenses as long as you stay within a preferred network of physicians or hospitals. This network creates a “preferred provider” list that you can choose from. Treatment outside this network of providers is covered but only at a reduced rate, meaning you end up paying more to see a physician outside the network. By limiting the physicians and hospitals covered in their network, the insurance company can control, to an extent, their costs and lower your premiums.

POS plans work like PPOs, but require you to have a primary care physician through whom you can receive referrals for specialists. If you need to see a neurologist or a dermatologist, you must first visit your primary care physician for an initial diagnosis in order to receive a referral to a specialist for a more thorough diagnosis. POS plans also have a preferred provider network, and if you choose to visit a specialist or physician outside that network, your coverage will be limited.

HMOs combine a stricter version of PPOs and POS plans. HMOs have a defined list of physicians, often much smaller than PPO networks, which you may see. You will not be covered at all if you see a physician outside your HMO network. Furthermore, you must also get a referral from your primary care HMO physician to see any specialist. However,

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