Tag Archives: Obtain

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.

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How to obtain life insurance when you have heart disease

A history of heart disease won’t necessarily flatline your chances of obtaining life insurance at reasonable rates, insurance experts say, provided you have the condition under control and you’re following doctor’s orders.

Take “Jeff” for instance. Obese and a smoker, he needed a bypass and a couple stents to keep his arteries open. His doctor told him to lose 100 pounds and kick the habit if he wanted to live, relates his insurer, Ryan Pinney, a brokerage director with Pinney Insurance Center Inc. in Roseville, Calif. Jeff lost 140 pounds, stopped smoking and takes his cholesterol medicine faithfully.

“I was able to get him life insurance at a preferred rate,” Pinney says. “He’s healthier now than he was back then.” A preferred rate would cost around for the same policy that would cost 0 at a standard rate, he says.

Dr. Robert Pokorski, chief medical strategist for The Hartford’s Individual Life Division, says in general, life insurance can be offered six months after bypass, angioplasty, or use of stents, usually at a small to moderate additional premium.

Whether one is insurable depends on the type and severity of the heart disease, their age, their lifestyle habits and if they’re healthy now, Pokorski says.


“For someone with congestive heart failure, it is nearly impossible to get insurance,” Pinney concedes. “The doctor is saying this person is going to die soon.”

Pokorski says children born with an atrial septal defect (hole between the upper chambers of the heart) could get insurance at the same premium as a healthy child because it is corrected via surgery. In the event the defect cannot be corrected, the child can still get life insurance, but the insurer would charge a higher premium.

He says higher premiums are usually required for adults with coronary heart disease as well. The premium would go up even more if the person is overweight, smokes or is a diabetic. Pinney says a standard 0 policy could now cost as much as 0 to 0 a month.

If you were turned down for life insurance in the past because of heart problems, Pokorski encourages you to try again as insurance companies are responding to medical advances. “The premium charged at the time you were accepted would be based on your risk going forward, not on your risk in the past,” he says.

Heart disease by the numbers

Although the death rate has dropped 29.2 percent from 1996 to 2006, heart disease continues to claim millions of American lives every year, according to the American Heart Association and Centers for Disease Control and Prevention. Here are some of the latest statistics.

 Heart disease is the No. 1 cause of death in the U.S.

26 percent of all 2.4 million deaths in the U.S. in 2006 were caused by cardiovascular disease. This comes to 1 in every 2.9 deaths.

Women make up 50 percent of the total number of deaths caused by a heart attack.

2,300 Americans die of cardiovascular disease every day.

470,000 Americans had a recurring heart attack in 2010.

631,636 of Americans died of heart disease in 2006.

785,000 of Americans had a new coronary heart attack in 2010.

7,235,000 inpatient cardiovascular disease operations and procedures were conducted in 2006.

In 2010, the estimated direct and indirect cots of cardiovascular disease and strokes in the U.S. was 6.4 billion.

Yet we still don’t take care of ourselves, according to the latest estimates.

18.3: Percent of U.S. women 18 and older who smoke.

23.1: Percent of men 18 and older who smoke.

33.6: Percent of U.S. adults ages 20 or older with hypertension from 2003 to 2006.

51: Percent of U.S. adults responding to a survey who said they do no vigorous activity or have an exercise routine.

66.3: Percent of U.S. adults 20 or older who are overweight or obese.

This article originally published on www.lifequotes.com.

Life Quotes provides access to comparative quotes for auto, life, health and business insurance quotes so that busy consumers and business owners can save time and money. Life Quotes is dedicated to providing impartial insurance information.

Article from articlesbase.com

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Motor Vehicles Insurance Rates Is Simple To Obtain

Article by Sylvest Yap

Are you looking into buying a new car? Or if you are already an existing motor vehicles owner, perhaps you are thinking of whether or not to renew your own motor vehicle insurance using the same insurance company? In any case, you must do a bit of homework well before choosing the insurance coverage plan which suits your needs most. Among the list of approaches to do this is certainly by means of obtaining and also assessing automobile insurance estimate.

The internet is among the most useful things that have become easily available nowadays. Along with such a facility, acquiring motor vehicles insurance quotation has been made a great deal simpler and a lot quicker. Commonly this probably will not take you more than a couple of minutes to get vehicle insurance quote from various organizations.

Chances are by now, you would quite likely have an idea which motor vehicle insurance companies you would like to request vehicles insurance rates from. Go on the internet and visit these providers web-sites to ask for vehicles insurance quotation. Just about all insurance providers give quotes without cost. Before they can provide you with a quote, you will have to give these organisations the desired information and facts stated in the online request form. Make sure to provide up-to-date and accurate information and facts. Only in this way can they provide you with a very close vehicle insurance rate.

For anybody who is confused which motor vehicle insurance company to consider, or perhaps in the event you just choose to move one step further in your own assessment, it is possible to explore a number of comparision websites that provide automobile insurance estimate and comparison. There are lots of this sort of internet sites and you may choose a handful of them by using a simple online search.

Normally you just need to answer a set of questions and then they will provide you several vehicle insurance quotation. They may also supply you the links to those corporations. When you are keen to learn a little more about a particular plan or perhaps the enterprise, you simply need to follow those links.

Insurance is a competitive industry and vehicles insurance service providers tend to be continuously trying to find fresh customers. That motor vehicles insurance quote you were given a few days ago may no longer be accurate, because the insurance organization might at this moment be offering other special discounts and offers. While you carry out your own assessment, keep verifying and updating the motor vehicle insurance quotation if you want to reflect the latest rate reductions provided by the different corporations. In a case where your own crucial selection consideration is least expensive car insurance price, then this is undoubtedly a thing you have to keep looking out for.

The internet has most definitely made searching for motor vehicles insurance quotation a piece of cake for most people. Though going through such type of groundwork can take time and effort, but it will help see to it that you will end up obtaining the most appropriate insurance policy coverage that suits your budget allowance. Obtaining motor vehicles insurance quotation may possibly be a terrific way to reduce your own economic pressure.

About the Author

The main thing to do would be to start out by compiling auto insurance quotes and then work your way from there. Check out easyonlineautoinsurancequotes.com for HASSLE FREE NO OBLIGATION, online auto insurance quotes Today!

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Obtain Easily Affordable Motor Vehicles Insurance Premium Over The Web

Article by Sylvest Yap

Do you ever find getting low-cost motor insurance quote far too bothersome and inefficient? Are you currently still making phone calls and spending valuable time going to insurance companies only to get car insurance estimates? With the development in technologies, be certain to deal with the entire procuring process in a different way. Think about getting lower priced vehicles insurance quotation on the web.

Just before obtaining reasonably priced motor vehicle insurance price from the internet, you must confirm just what exactly is the vehicle insurance coverage you would need. Maybe there is some sort of basic requirement concerning the types and also levels of coverage required by the state that you are dwelling in? If this is the case, this ought to be clearly disclosed to your motor vehicles insurance service provider so that you will be acquiring at least the bare minimum necessary protection.

The internet is a good place for you to set in motion your search to get lowest motor vehicle insurance rates. With so many motor vehicles insurance organizations which advertise themselves via internet, you will get sufficient information and also comparisons for you to take a look at. To start with, you might wish to do a search for the most known motor vehicle insurance enterprises via a widely used search engine. Simply key in your research criteria and you will probably have a very long list of car insurance corporations which can possibly provide you low cost vehicles insurance premium.

Other than analyzing car insurance estimates offered specifically by insurance organisations, lots of people also like to check out low-cost motor insurance quote from comparison web-sites. These internet sites are normally independent third party companies that can supply you the vehicle insurance premiums which can be found from different vehicle insurance firms. It is easy to utilize these kinds of comparison sites for research, as you can see all of the rates in one glance. You are able to fairly quickly find out which corporation offers you the lowest priced vehicle insurance price.

For people with a solid driving record, do point out this to the insurance carrier when looking for online vehicle insurance estimate. You will in all probability be given a good vehicle insurance price, since safe driving record is one of the very best methods to get vehicles insurance reductions.

The other way to get low cost motor vehicle insurance quotation can be to go for increased deductible. For the reason that increased deductible carries a key financial bearing on you when there is a claim, you have to consider this option very carefully before deciding to settle on higher deductible.

Conduct your analysis and comparisons conscientiously so as to ensure you are getting the best deal with the best motor vehicle insurance companies. Lots of people believe it is rewarding as they can secure most inexpensive car insurance rates that saves a great amount of dollars and fit their spending budget.

About the Author

Affordable auto insurance quotes is not very hard to get. Just visit easyonlineautoinsurancequotes.com for FREE online auto insurance quotes with absolutely no obligation. All it requires is a little bit of effort and time to evaluate.

Luke’s real life auto insurance quote came back at 303 dollars a month. Luke got pissed… and put his new webcam to use. (Like all of our stuff, it’s scripted.)
Video Rating: 4 / 5

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