Category Archives: Business and Finance

Pet Insurance Policies

Pet Insurance Policies

Pet insurance pays the veterinary expenses if ones pet becomes sick or is hurt in an accident. The reason of pet insurance is to mitigate the risk of incurring major expense to care for sick or injured pets. As veterinary tablets are increasingly employing costly medical techniques and owners have higher hope for their pets health care. The market for pet insurance has improved.

Many pet owners think pet insurance is a difference of human health insurance; however, pet insurance is really a form of property insurance. As such, it reimburses the owner after the pet has expected care and the owner submits a claim to the insurance company. The owner regularly pays the amount due to the veterinarian and then sends in the claim type and receives repayment, several companies and policies bound according to their possess schedules of necessary and normal charges. For high bills, several veterinarians permit the owner to put off expense until the insurance claim is processed. Various insurers pay veterinarians honestly on behalf of customers.

Most pet insurance plans did not pay for preventative care or elective procedures. Recently, some companies are present routine-care coverage, sometimes called complete coverage. Dental care, recommendation drugs and other treatments, such as physiotherapy and acupuncture, are also enclosed by some providers.

There are two types of pet insurance policies: 1.Non-lifetime 2. Lifetime

The first covers buyers for mainly conditions suffered by their pet during the course of a policy year but, on regeneration in a following year, a state that has been claimed for will be excluded. If that state needs more treatment the pet owner will have to pay for that himself.

The second type covers a pet for current conditions during the pets lifetime so that, if a state is claimed for in the first year, it will not be barred in subsequent years.

Many pet insurance companies are starting to offer the pet owner more of a facility to modify their coverage by allowing them to decide their own level of deductible. This permits the pet owner to manage their monthly premium and decide the stage of coverage that suits them the best.

Low-cost Car Insurance- We All Want It But Just How Do We Get It

Low-cost Car Insurance- We All Want It But Just How Do We Get It

All of us look for financial products that will suit our budget while offering the financial security we are needing. One of the worries that comes with cheap car insurance however is acquiring cheap car insurance that results costing us more than it is worth, because the plan has many terms and conditions connected to it making it near impossible to claim against the policy. This brings about lots of irritation for people who are meticulously paying car insurance premiums only to find out that when they require the damage on their car to be repaired, the insurance provider tries every trick to not settle the claim.
There are numerous types of car insurance the one can buy. You may choose a cheap car insurance which will cover you in case of a certain event such as theft or accident or you can choose a comprehensive insurance plan that will cover you in all instances. Comprehensive car insurance is however the priciest kind of car insurance on the market.
So, how can you as the consumer purchase cheap car insurance whilst still getting maximum cover? In this post I will be showing you some of the ways which you can get cheap car insurance.
Quotations
The first step in obtaining low-cost car insurance is by obtaining as much rates as is possible. Shopping for quotations allows you to make side by side comparisons in prices between the different insurance providers. Should you currently have car insurance or home insurance from a particular insurance carrier, discover what discounted rate they are willing to offer you for taking out another policy with the same company. It is just by comparing price ranges and benefits that you can make an informed decision about your car insurance policy.
Monthly premiums
If you can afford to, it is advisable to pay a annual premium instead of a month-to-month premium. Paying a yearly premium lessens the amount of money you spend each year as the yearly premium would be cheaper in price.
Increase you excess
Whenever getting cheap car insurance you are making a commitment to pay month to month or yearly premiums in return for immediate economic help should your car or truck be involved in an accident or be damaged otherwise. There is an additional cost related to car insurance, this cost is known as the surplus amount. This is the sum of money which you need to pay in should the damage to your car go over the insured amount. By raising your excess you reduce your per month or yearly premiums, by keeping your surplus amount low you are increasing your premiums.
Drive safely
The is nothing which will up your insurance obligations as quick as a bad driving record. Therefore drive safely and keep your record clean.
Getting cheap car insurance is achievable is you follow these tips. Remember that there are many other ways to reduce car insurance payments.

Commercial Truck Insurance Policies Dump Truck Insurance

Commercial Truck Insurance Policies Dump Truck Insurance

The tow truck. The cement mixer. The crane. All of these trucks have a reputation as biggest, baddest, and most recognizable in the trucking industry. But none of them pull weight compared to the dump truck. Even from an early age, kids receive toy dump trucks, either as small hand-held toys or riding vehicles. From the distinctive back container to the brilliant colors, the dump truck is known to all ages. And it is also important to the construction industry, which is why the right commercial truck insurance policy is so crucial to protect your business.

Dump Truck Insurance

One of the reasons why dump truck insurance is different from other types of commercial trucking insurance is that the entire back of the dump truck is a moving part and must be insured as such. Like cement mixers and cranes, the dump truck is a piece of machinery as much as it is a simple hauling truck. This means that the driver or operator must receive insurance to not only protect it from damage while transporting materials, but also while dumping them onto the construction site, city dump, or wherever they must be placed.

If a worker were to get injured while operating the mechanism to empty the cargo from the bed, he may be covered under workers compensation insurance, based on the situation and safety practices employed. But to fully protect your business from potential damage or lawsuit, purchase dump truck insurance.

Aggregate Insurance

Aggregate insurance protects drivers who transport a sedimentary compound made up of gravel, dirt, mulch, asphalt, rocks, and concrete in different mixtures. These materials are commonly carried by dump trucks because they are easy to, well, dump. Aggregate also has a very low monetary value, so can be cheaper to purchase commercial truck insurance for it. In fact, many dump truck insurance policies include aggregate haulers insurance as part of the package.
Ask your insurance agent if your dump truck or business qualifies for this benefit.

Truck Insurance

Dont wait to see what kind of package you could receive for your dump truck insurance or general commercial truck insurance. The dump truck is an iconic American vehicle; treat yours with the esteem it deserves.

How To Get Medical Insurance For A Surrogate Mother

How To Get Medical Insurance For A Surrogate Mother

Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and then find out there was an error and her insurance company refuses to cover the pregnancy? Or what if she loses the coverage halfway through the surrogate pregnancy?

There are not too many private insurance companies out there willing to insure a preexisting condition, such as an already pregnant woman. (And if you find one, please let me know!) The options are few in this situation. The intended parents can either pay for the rest of the medical bills in cash, hopefully negotiating a better rate directly with hospitals and doctor’s offices, or they can purchase a discount medical card.

A discount medical card will save the intended parents some considerable money, but it is not the same as having actual surrogate insurance coverage. Still, it’s a terrific option for those in this sort of sticky situation, and can be obtained after the surrogate mother is already pregnant.

Discover key person insurance, including disability and life cover

Discover key person insurance, including disability and life cover

Life cover is the financial protection every family needs against the death of a breadwinner while disability insurance and dread disease cover protect against the disability or illnesses of a breadwinner. But did you know that businesses can also insure the life and health of a valuable employee? Read on to find out more about key person insurance.

Wikipedia defines key person insurance, or keyman insurance, as ‘insurance taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business.’ It goes on to say that ‘an employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company.’

A key person insurance policy could be a life cover policy to protect against the death of a key employee or a disability insurance or dread disease cover policy to protect against the disability or illness of a key employee. It is important to remember that key person insurance will not cover actual losses incurred by the business as a result of the death or illness of an employee but rather pay-out a specified amount as detailed in the insurance policy.

Employees covered by key person insurance could range from senior sales managers and project managers to directors and board members.

Consider the following scenarios:

A company’s sales director falls ill and is off work for three months. For those three months sales figures will likely drop. A dread disease policy in that sales director’s name would cover these losses

A company’s managing director passes away. A life insurance policy in his/her name will cover the cost of recruiting and training a successor

A senior project manager falls ill and is off work for two months. A dread disease policy in that person’s name would cover the costs of hiring a temporary project manager for those two months

A senior sales person is disabled in an accident and is no longer able to work in an office environment. A disability insurance policy in that person’s name would cover lost sales revenue while a replacement is trained

Key person insurance is about anticipating the worst that could happen in a business and ensuring that you have the necessary financial protection in place. It is about putting measures in place to protect your business, profits and employees against risk. Invest in the protection you need today.

Choosing a higher deductible can lower car insurance quotes

Choosing a higher deductible can lower car insurance quotes

Finding the right car insurance deductible doesnt have to be a difficult experience. For those who are unsure what a deductible isa deductible is merely the amount of money that you decide on paying for any damage caused by a car collision. In order to file a claim you must first pay a deductible. What you pay depends on what state you live in; however, the amount can vary anywhere between $100 and $1500, and is dependent on a variety of circumstances and factors.

One major factor to take into account is risk. If you are seen as a high risk driver, an auto insurance company might require that you pay a higher deductible. Because they dont want to lose money on you, you may end up paying more for a deductible than for the cost of damages to your car, in which case the insurance company would not be responsible for any costs in the event of an accident.

Some people choose not to have a deductible. However, if you choose to go this route you can expect to receive higher car insurance quotes. On the flip side, paying a high deductible is also unwiseunless you have a great driving record. Even then, its impossible to foresee the future. Some people choose to have a high deductible because it will lower their monthly premiums. If you choose to go this route you should be certain that you have extra money saved away in case you get into an accident.

When it comes down to it, its about choice. Unless you are seen as a high risk driver, car insurance companies will often let you choose the amount that you want to pay for a deductible. If you pay $500 and you have a great driving history, then you will probably be OK. However, if you have a blemished driving record your insurance company will probably want you to pay more. When choosing a deductible amount, it is important to remember that the lower your deductible, the higher your auto insurance quotes will be.

As opposed to other kinds of insurance, like health, with every claim you make you are required to pay a deductible. Lets say that you get into 4 accidents every year. If this is the case, then you will have to pay four deductibles. Of course, if you are not filing a claim, you have the choice to not pay a deductible. But this is risky. If you decide to purchase minimal liability insurance and not pay a deductible then you are making yourself vulnerable. If you get into an accident you will be required to pay for all damages out of pocket.

Garra Rufa insurance policy offers peace of mind

Garra Rufa insurance policy offers peace of mind

One of the latest and most innovative new crazes to hit the health and beauty market is the fish pedicure, which in many ways has replaced the tanning element of many salons on the High St. This ingenious service is a pedicure that is carried out by Garra Rufa fish, and has become extremely popular, with salons appearing throughout the UK. However one of the issues that many are unaware of is the fact that from the treatment perspective, most salons are not fully insured for treatment risks. This is where Lockyers Intelligent Insurance comes in, providing as they do an innovative and ingenious insurance policy that protects both the salon and the consumer with regard to any potential infections and diseases that can be caught by the treatment. Information regarding this insurance policy is available through their online resource which is located www.lockyers.co.uk.

A fish pedicure is a form of treatment whereby the individual places their feet within a container filled with Garra Rufa fish. These fish, which are also known as Doctor fish, then proceed to nibble the dead skin off the individuals feet, providing a satisfying and effective pedicure. The number of salons that now offer this type of unique pedicure has grown exponentially in recent years, however one of the main issues is that many salons only retain the standard public liability insurance, which does not cater for issues regarding infections and diseases, such as legionella, that can be caught by virtue of the treatment itself.

This is the main reason why the insurance experts, Lockyers have introduced a Garra Rufa insurance policy, which caters for this particular issue. They have, in conjunction with a major UK insurer, developed an insurance policy package which comprehensively covers the specific requirements of Garra Rufa spa operators. This fish pedicure insurance policy, covers public liability, treatment risk in addition to employers liability whilst also providing stock and contents cover. In addition the Garra Rufa shop insurance also caters for loss of profits following a claim as well as the option of buildings insurance. In essence this is an all-encompassing policy, which provides peace of mind for the spa operator.

Details regarding this comprehensive fish pedicure shop insurance cover is available through their website, within which is detailed the extensive areas of interest that are covered by the policy, in addition to the criteria that needs to be adhered to. For those who require a quotation, the option of either contacting a landline number or alternatively utilising the online enquiry form, provides a simple yet effective means of obtaining a quotation.

As any business owner will testify, comprehensive insurance offers peace of mind. This ingenious fish pedicure insurance policy, is a specific type of policy which deals with and relates to the particular requirements of fish pedicure spa operators.

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Financial Planning – A 6-step Process

Financial Planning – A 6-step Process

The financial planning process can be broken down into the following six steps:

1. Establishing and defining the relationship with the client

2. Gathering client’s data for the purpose of analysis

3. Analyzing and evaluating the client’s financial status

4. Developing and presenting financial planning recommendation(s)

5. Implementing the financial planning recommendations 6. Monitoring of the plan

The following are the details.

1. Establishing and defining the relationship with the client

To go through this step, the financial planner will have to define the scope of the engagement with the client. Prior to providing any financial planning service, the financial planning practitioner and the client will have to mutually define the scope of the engagement.

This is really quite important. The process of mutually defining (and agreeing) the scope helps to spell out the type of activities that are necessary in order to carry on with the provision of the service.

This may include but not limited to

a. Identifying the services to be provided.

b. Disclosing if there is any material conflict of interest from the financial planner.

c. Disclosing the how the financial planner is to be compensated

d. Determining the client and practitioner’s responsibilities.

This first step is necessary to establish realistic understanding for both the client and the financial planning practitioner (or financial planner).

2. Gathering Client Data

This step is basically a process to find out more about the client and will cover the following areas:

a. Determining a client’s personal and financial goals and priorities.

b. Obtaining quantitative information and documents from the client.

3. Analyzing and evaluating the client’s financial status

During this step, the financial planner takes the client’s data to thoroughly analyze them. This is to gain an understanding of the client’s financial situation and then evaluating how much of the client’s financial goals and priorities can be met by the client’s resources and current action.

4. Developing and presenting financial planning recommendation(s)

The financial planner will determine and evaluate all reasonable solutions available for the client. He will then have to develop suitable financial planning recommendations, taking into account step (3) above. Once he has developed these, he then presents it to the client. The client will then consider if he wants to implement them.

5. Implement the financial planning recommendations

At this stage, the client will have agreed on certain recommendations or solutions to be implemented. The financial planner and the client will mutually agree on the type of services (if any at all) to be provided by the planner.

6. Regular review of the plan

This step involves monitoring and reviewing the recommendations and the client’s progress of the financial plan. It may also involve reviewing and discussing with the client on the changes (if any) in his personal circumstances as well other new situations e.g. changing tax laws.

Reaching your financial goals is not too hard, as long as you follow this six-step process.

Invest In A Life Insurance Policy This Valentine’s Day

Invest In A Life Insurance Policy This Valentine’s Day

On the 14 February each year the world celebrates Valentine’s Day. According to Wikipedia, ‘St. Valentine’s Day began as a liturgical celebration of one or more early Christian saints named Valentinus. The day first became associated with romantic love in the circle of Geoffrey Chaucer in the High Middle Ages, when the tradition of courtly love flourished. By the 15th century, it had evolved into an occasion in which lovers expressed their love for each other by presenting flowers, offering confectionery, and sending greeting cards.’ If you are not sure what to buy your spouse or partner this Valentine’s Day, consider giving them the gift of a life insurance policy. Find out why.

You and your partner or spouse have built a life together. You have dreams for your childrens future, for holidays you would like to take, renovations you would like made to the family home and the retired life you will one day settle into.

Your family relies on the salaries that you and your partner earn. Your joint income covers everything from the bond on the family home to school and medical fees and daily living expenses. It also has to take care of your savings, your retirement savings and your unpaid debt.

Stop for a moment and think about how your partner or spouse would cope without your monthly salary. Would he/she have to sell the family home and buy a smaller home in a cheaper neighbourhood? What sort of schools would the children be able to attend? What would happen to your annual family holidays? What sort of medical care would the family be able to afford?

Enter life insurance. Also known as life cover, a life insurance policy is the protection that your family and spouse or partner need against your death and the loss of your income. In the event of your death the beneficiaries of your life insurance policy will receive a lump sum pay-out. These funds can be used to replace the salary that you earned and cover everything from living expenses to medical aid premiums. Depending on the size of your pay-out, your beneficiaries might even be able to use it to pay off some of your unpaid debt.

By investing in a life insurance policy you are investing in peace of mind for your partner or spouse. Do not leave your loved ones financially stranded in the event of your death. Do the right thing today and speak to your broker or insurance company about a life insurance policy.

Get A Reasonable Travel Insurance Plan

Get A Reasonable Travel Insurance Plan

Get ready for all sorts of catastrophes, including delays and emergencies, when planning your trp. These events cannot be predicted and at times they cannot be prevented as well. Your only defense is good travel insurance, purchased before your travel of course.

Travel insurance makes sure you don’t go bankrupt when inadvertent events occur. Because medical demands are expensive, get travel insurance that can cover the costs. Travel insurance really assuages any fears you have about travelling abroad.

Variety and quantity describe travel insurance availability. Spend time only on those policies that offer the coverage you need for your trip. You know which policies will be helpful, and you should stick to these.

Because you don’t want to worry about losing luggage and that type of thing, you buy travel insurance. Have no fears while traveling abroad with appropriate travel insurance. Your travel intentions will determine what policy options you need.

You will realize there are only five overarching categories of insurance. These five cover any options you need. The five categories are single trip, multiple trip, backpacker, senior, and specialized travel insurance.

Our first impasse is single trip insurance. Single trip insurance offers the widest range of options. Policy options in this type can always be amended.

Annual or multiple trip insurance presents the second discussion. The advantage of this type is comprehensive coverage for a whole year. Put simply, for each and every trip you take in a year you are covered.

Backpacker vacation travel insurance is obviously for backpackers. It covers frequent fliers. It can cover a backpacker anywhere in the world for a travel period of 31 days to a year.

Elderly holiday travel insurance is of course for senior citizens. The elderly are used to higher premiums, and this type affords them full coverage at affordable prices. Only those 60 years and more can enjoy this category.

The final topic of the day is specialized travel insurance. This pertains to insurance that covers dangerous expeditions, like kayaking down white water rapids or climbing Mount Everest. If danger is your middle name, you should get this type of insurance.