The Experts on Insurance (Part 1)

Posted on Nov 20 2017 - 7:00pm by 2!xMyNQ#FV8h4U
Buying Individual Health Insurance: 3 Essential Tips from a Health Insurance Specialist


ShaunAverygBy  Shaun P. Avery  —  When you’re buying individual health insurance, you’ll probably get overwhelmed by the prices and options of health plans online. Health insurance is now one of the more expensive items in the budgets of many people, but it can also be one of the best decisions you make if you have some know-how selecting the right health plan for you and your family. Here I will give you the 3 Essential Tips that I advise my clients to use when purchasing individual health coverage.

  1. Do not take health insurance advice from someone unqualified to offer this advice. Seek a health insurance specialist, they have studied and are licensed to offer this advice and they’re free to you. USE THEM!!
  2. Consider your actual needs. Ask yourself questions so you know what your specific health plan needs are, that way you can make sure you select a plan that meets them. After all, if you don’t know what you actually need in a plan, how will you know if you’ve come across the right fit?
  3. Resist the urge to over-insure! Health Care Reform has changed how many plans work and you may be able to receive ample or superlative coverage without over-insuring. And most importantly, without the hefty premiums!

There you have it, online health insurance shoppers! I hope this was helpful!

Shaun P. Avery is a licensed health insurance specialist dedicated to giving the consumer The Real Truth about Healthcare in the Reform Age! For more information or to contact us with questions, visit us at

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How to View Life Insurance as an Investment Tool


Thomas-H-Rawls_1575519By Thomas H. Rawls  —  The design of the universal life policy has had a major change for the better in the current years. Universal life policies are permanent policy which range in ages as high as age 120. Many life insurance providers now sell mainly term and universal life policies. Universal life policies now have a target premium which has a guarantee as long as the premiums are paid the policy will not lapse. The newest form of universal life insurance is the indexed universal life policy which has performance tied to the S&P Index, Russell Index and the Dow Jones.

In a down market you usually have no gain but you have no losses to the policy either. If the market is up you can have a gain but it is limited. If the index market takes a 30% loss then you have what we call the floor which is 0 which means you have no loss but there is no gain. Some insurers will still give as much as 3% gain added to you policy even in a down market. If the market goes up 30% then you can share in the gain but you are capped so you may only get 6% of the gain and this will depend on the cap rate and the participation rate.

The cap rate helps the insurer because they are taking a risk that if the market goes down the insured will not suffer and if the market goes up the insured can share in a percentage of the gains. Indexed universal life policies also have cash values which can be borrowed. The best way to look at the difference in cash values is to have your insurance agent show you illustrations so you can see what fits you investment profile. The index universal life policy has a design which is beneficial to the consumer and the insurer and can be a viable tool in your total investments.

Tom Rawls Jr. CLU, CHFC, RHU, REBC, CASL, CAP is an insurance advisor with over 24 years of experience, who takes the time to understand his clients unique desires and goals. The Whole Life Advisor Insurance Brokerage Team specializes in Life, Disability, Long Term Care, and Annuities. Contact me here:

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Tips to Find Home Insurance at an Affordable Price

By Sahil Doshi


Buying Home insurance can always be termed as a good decision since it gives you appropriate financial cover in the event of theft, damage, robbery, earthquake, storm, or more. However, many people do not think of it as a necessity and often avoid purchasing it so as to save their money.


Keeping in mind the benefits associated with home insurance, the price cannot be considered as the best comparison point. After all, it just doesn’t cover for your home but also for your belongings and gets you monetary aid even in the case when you’re liable for third party injury or property damage.


Though there are numerous factors that determine your policy rates, the most obvious ones include the location of your property, its age and construction type. Newer homes in areas are less prone to damage, natural disasters and crime, and are also cheaper to insure. This definitely is something that you can’t control, but there are certain other ways that can make you eligible to get cheap home insurance:



  1. Shop Around:
  2. Bundle your policy:
  3. Don’t over insure:
  4. Consider a higher deductible:
  5. Add safety features:
  6. Check Your Credit Score:



All in all, opportunities to find the cheap home insurance are all around you. You must, for your part, take time out to find out the most suitable policy as per your need, which will enable you to save considerably more in future.


If you are looking to buy a home insurance policy, you may contact HDFC ERGO General Insurance Company that offers cheap home insurance in India.

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Renters Insurance- Why Every Tenant Needs It

By Daniel Wright


Many renters overlook the fact that the owner’s insurance coverage does not protect the replacement value of the renter’s belongings or his liability for injury or loss to others that occur in his rented quarters. Anyone who rents a house, loft or apartment, whether a student, renting a room off campus, a senior citizen enjoying retirement, or those who are still working, must make sure to take the time to assess their risk of loss of physical possessions, or through legal liability for loss to others. Then they must choose a renter’s policy that works for them.


In preparation for requesting quotes for renter insurance, estimate the value of possessions by making a list of everything that is owned and listing the estimated purchase price, and the date purchased. A photographic record would be useful, especially for any items that are of particular value.


What A Renter’s Policy Will Cover


While each renter’s policy will offer different features and benefits, some of the common coverage includes:


  • Replacement value of all possessions for loss from fire, theft, or vandalism.
  • Guest Medical Protection if a guest is injured in or around the renter’s place.
  • The renter’s expenses if forced to live somewhere else for a while.
  • Liability Protection for renter’s legal defense fees and awarded damages.
  • Unauthorized transactions on renter’s credit cards
  • Can save renter from having to pay for costly repairs to rented space


Renter’s Insurance Is Vital for Protection against Loss and Liability


Renters insurance is affordable and easy to find and purchase; therefore, there is no excuse for anyone not to have this vital protection. The best possible result would be to have a renter’s policy, but, never have occasion to file a claim. The peace of mind which the renter will have enjoyed will be well worth the policy’s cost.


Learn more about renters insurance and quickly compare renters insurance quotes from the nation’s top carriers at

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