How to Get the Cheapest iPhone Insurance Without Cutting Corners

Saying that getting your first iPhone is exciting is probably the understatement of the century. The iPhone is the name to beat when it comes to innovative SmartPhone technology, so it comes as no surprise that you'd be chomping at the bit to get your hands on one of your own. However, it's important to note that an iPhone is a lot more than simply a fun gadget that will streamline your life and impress your friends all at the same time.

It's also a significant investment and it really bought to be valued as such. That means making sure it's covered by the right insurance from day one. However, you still naturally want to save all the money you can and that means locating the cheapest iPhone insurance plan that still meets your needs. Consider the following points during your search for the cheapest iPhone insurance to avoid running into problems later on down the line.

The Cheapest iPhone Insurance Is Not Your Household Items Plan

One of the most common mistakes new iPhone users make is thinking that they'll be saving themselves money by relying on their household items policy to cover them if anything ever happens to their phone. However, while this may seem like a smart choice at first glance, in the long run you could be costing yourself money. If you ever need to file a claim in regards to a lost, stolen or damaged iPhone, you will be expected to cover a higher portion of the replacement cost than you would with an individualized plan. Plus, you will lose your valuable "no claims" bonus with your insurance provider if you have to file even a single claim. If you're really unlucky and wind up needing to replace your iPhone more than once, then your promotions could rise as a result, too.

The Cheapest iPhone Insurance Is Not Your Manufacturer's Warranty

Many people similarly assume that their manufacturer's warranty has them covered, especially when it comes to their iPhone. After all, Apple does have quite the reputation for standing behind their products. However, your manufacturer's warranty does not cover common issues like theft, accidental damage, or loss. Do not simply assume that you're so careful that you'll never lose your iPhone or drop it in the toilet the way other people do. Murphy's Law says that if you're not covered, you will . Better safe than sorry! Beside, your manufacturer's warranty ever expires. You need the cheapest iPhone insurance that will still cover your phone for the entire length of time you have it.

Finding the Cheapest iPhone Insurance Is a Snap Online

Gone are the days when you had to rely on your mobile phone company to give you all the information you needed in regards to your mobile phone insurance options. These days, the internet makes it easy to get all the information you could possibly need in regards to comparing rates, evaluating policy features, and breaking down prices to make sure you have the most efficient and cheapest iPhone insurance possible. Let your fingers do the walking and find the right plan for you in mere minutes.

Source by Jackson Sharp

No Medical Exam Term Life Insurance for Health Issues, Busy People, and You!

Why Term Life Insurance?

During the years when your family is young and growing, they depend upon you for food, shelter, and education. You do not expect to pass away, but it only makes sense to cover your family in case of tragedy. However since you figure that you will survive this period of time, you probably do not want to spend a lot of money providing this important coverage.

Term life insurance is the most affordable type of life insurance. You can usually select a large face value, the amount you believe your family would need if you passed away, at the lowest rate. You can also select a period of years to be covered, generally twenty or thirty years. The logic here is that after that time your children will not depend upon you any longer, and that you will have savings to pay for a lower amount of obligation. Also, if you are paying off a mortgage now, consider how many years it will take until your home is paid for.

Many financial experts urge their clients to buy term life insurance because it is cheaper, and it is purely insurance. If you want a savings or investment account, then you can probably get better returns on your money with other financial products than insurance.

No Medical Exam Term Life Insurance

Many people delay a life insurance policy because they just do not want the hassle. In the old days, many insurance companies required a medical exam before they would accept an application. Also, applying mean you had to meet with an insurance agent and fill out a complex application. Some people were concerned about meeting with an agent because they felt as if they would have sold a policy that cost more then they intended to spend. They did not want to go to the trouble of filling out a long application because they were concerned about privacy or minor to moderate health conditions!

The New No Physical Life Insurance

However, with the popularity of the internet, many life insurance companies are letting people quote and apply online. Applications are shorter, and you can find hundreds of thousands of dollars worth of term life insurance from companies that do not require a medical exam. Even if you have a minor to moderate health condition, you can still qualify for many large term life insurance policies. If you do have a more serious health condition, you will probably want to consult with an insurance agent though.

Shop For Term Life Insurance

I compared term life insurance policies in my area for one forty-five year old man. He wanted $ 100,000 worth of term life coverage. I found a $ 300 a year premium difference between top, highly rated companies. You will still want to do a little shopping for the lowest price from a top rated life insurance company. If you have to fill out a long application, and especially if you have to go through an insurance physical, this could take a long time. However, when you can fill out a life insurance quote form online, and then get back multiple offers, your shopping will not take long at all!

Source by Marilyn Katz

Instant Car Insurance

Usually, people require car insurance for a whole year, and have plenty of time to arrange their insurance, but this is not always the case. Sometimes you require instant car insurance- sometimes your car is brand new and you only need temporary cover, or sometimes you've forgotten to arrange your insurance, and the due date is upon you. Here are some tips for arranging instant car insurance.

Firstly, if you need instant car insurance for a short time, you should ask an insurer for a cover note, also called a cover letter. This is a short-term, temporary cover, given immediately, until you can arrange permanent insurance. This is the kind of insurance which covers a car getting to the repairer, or from a dealership, or to the motor authority in your area.

A different type of instant car insurance is temporary insurance, or "Day Insurance." Most providers of instant, temporary insurance are happy to insure a vehicle for between 1 and 28 days. If you do not require a whole year's insurance, this is the option for you. It is particularly useful for travelers who purchase a car while they are overseas, people who have borrowed a car, or people who require car insurance for longer than a cover note will allow.

Not all insurance is the same, so make sure you are not grateful just like everyone else. Make you needs known to your insurers, and always read the fine print carefully to make sure that you receive the instant car insurance which best meets your needs.

Source by Darren MacDonald

Life Insurance for People Over 60

Is there life insurance for people over 60?

Yes, there are insurance carriers that offer coverage for people age 60 and over.

Some over 60 life insurance plans require you to take a medical exam to find out if you qualify, while other plans do not require a physical exam, just some health questions.

In addition, there are some guaranteed life plans offering graded benefits that may not require any health questions. These plans usually offer a small amount of insurance and the full death benefit is not available until you have been insured by the life insurance policy for at least 2-3 years, depending on the plan and insurer.

If you are age 60 or over, you may want to meet with an independent licensed insurance agent to review your options for coverage and find out which insurers and plans offer the best protection that meets your needs and fits your budget.

Other options available may include calling insurance carriers direct for a quote, or visit a life insurance quote provider online to compare rate quotes.

There are several quality insurance quote providers that have been offering quotes online for several years, including Efinancial, AccuQuote and Termfinder.

When you compare rates and plans make sure you consider the following:

  • What type of life insurance do you need?
  • How many years do you need insurance?
  • What can you afford to spend?
  • How much life insurance do you need?
  • Do you need protection for you and your spouse?

Also, when reviewing options for life insurance protection make sure you review the financial rating of the insurers. The financial strength rating is issued by an independent rating agency, such as, AM Best Company. The rating is an indication of the insurer's ability to meet their financial obligations. The higher the rating, the better able the insurer to pay their claims.

In addition, term life and permanent life are the 2 basic types of life insurance plans.

Term life is temporary insurance for a set number of years, usually for 10, 15 or 20 years. If you exclude this term, your coverage expires, unless you have the option of renewal which allows you to renew your term plan for another term without having to take a physical exam to qualify. Your rate will increase based on your age at renewal.

Permanent life is lifetime coverage and may build cash value within the policy over time. That's why permanent insurance costs a lot more than term insurance.

There is also a form of term life with no medical exam required that may offer up to $ 300,000 of protection without having to take any physical exam to qualify. These plans base your acceptance on your answers to the health questions asked on the application.

Source by Hadley Lewis

Online Insurance Quotes – How to Get Reliable Ones

There are a number of different places from where you might be able to get online insurance quotes. Unfortunately, not all of them might be as reliable as you think they are. A reason for this is the presence of a number of bogus sites out there waiting to make a fast buck out of an unsuspecting individual. You should try and put a curve to all of this by taking adequate precautions. There are a number of ways in which you might be able to this. Here are some tips when it comes to being safe and getting a reliable quote.

Use Only Trusted Sites

It is quite obvious that if you want to get the best information, you need to go to the site where you will be able to find reliable information. Here, one of the first things that you need to take care of is to only go to trusted sites. In this manner, you can get online insurance quotes that can be relied upon and can be used in order to save money on your auto insurance. It may take a little bit of effort in order to find the right kind of sites, but with a little familiarity, you should be able to comfortably find such sites.

Be Honest

It is simple and straightforward – if you want to get quotes that can be trusted, you need to provide information that is reliable and accurate. If you are holding back certain information, then your quotes are going to be incorrect and the actual price that you are going to be paying for your insurance may not be what you might have calculated previously.

Here, be honest and do not hold back any information that you think might be relevant to obtaining auto insurance. If there is something extra you need to reveal, go ahead and do so accordingly.

Selecting The Right Features

Since different states have different set of requirements, you may want to be sure that you are selecting the right kind of features in your policy for your state. Some states have mandatory requirements like underinsured or uninsured coverage. Check up on all of these rules before you can finalize on any policy and pay a price for that.

It may not be simple, but you should be able to get all the information that you require by just looking it up on the internet. Once you have the necessary information in hand, you can select all the right features and draft a policy in this manner.

If you keep all of these in mind, you should be able to easily obtain reliable online auto insurance quote. With this, you can then decide about what you would want to do and which vehicle you would want to select based on your affordability. Having a fair idea about these can be extremely useful and help significantly in saving money for you in the long run. Sound financial planning is key to surviving all of these financial issues that surround us and avoid a significant problem in the long run.

Source by Clara Ghomes

AmerUS Life Insurance Company Review

AmerUS Life Insurance Company has been a leading provider in life insurance policies in the United States. Their main website lets customers know that the company started in the year 1896 when it was founded as a Central Life Assurance Company. Although the company itself did not grow much from the start, through the span of the years it got the people needed to operate correctly and be successful at becoming a primary life insurance company in the United States. It was not until the year 1996 that the company actually acquired the name AmerUS Life Insurance Company and at that time they actually started to organize as a stock insurance company.

Things continue to grow and after the year 2000 they admitted Indianapolis Life Insurance and finally closed the year with an estimated $ 21.5 billion in assets. The big news about AmerUS took place in the year 2006 where AmerUS and Aviva Corporation signed an agreement under which Aviva agreed them and paid $ 69 per share in cash. This meant that all their operations would have been combined and the business would have their headquarters in Des Moines, Iowa.

Life insurance in the United States is just starting to be a big thing. In the past nobody thought that life insurance was the right thing to get, and some people actually thought that it would be a waste of money to buy. With present events such as 9/11, Americans have come to their senses and have actually realized that accidents can happen to anyone at anytime and for that reason it is always better to be prepared.

With the market for life insurance increasing, it is not a surprise that more and more life insurance companies are being created. With so many companies it is hard to know which one of them is the best one for you. That is why a customer must always try and shop around either online or in person. If you locate a company that you think might be the one and when you compare its price to other companies you find that it's not that expensive, and then you will feel much confident in signing with them.

When you try to log into the main website for AmerUS you will be directed to a letter from the Aviva Life Insurance Company. Since both of the companies combined and are being run under Aviva's name it is important to know about them. Aviva is the world's fifth largest insurance group and it is the largest provider of life insurance in the United Kingdom. The company is huge and it employs about 58,000 people that serve an estimated 35 million customers around the globe. They are one of the strongest life insurance and long term service Product Company with assets of over $ 600 billion and more than $ 65 billion in sales. The company itself is based in London, England and its history can be traced back to the year 1696. This means that the company is over 300 years old and for this reason it has the recognition and world fame that not many other can claim.

AmerUs Life Insurance Company (now called Aviva Life and Annuity Company) offers many life insurance products that can help someone establish financial security for the future in case of an unexpected death. Some of the products offered by this company in the United States are Indexed Life Insurance, Universal Life Insurance, Single Premium Life, Indexed Survivor Universal Life, Level Premium Term Insurance and Excess Interest Whole Life Insurance.

Indexed Life Insurance : This type of life insurance allows people to have flexible payment options and death benefits. What is good about this type of policy is that that it provides cash value accumulation based on how leading market indices grow. It is also good to note that this type of policy also protects the policy from the risks of a downside market and a drop in the standards. If you purchase what Aviva calls the "no Lapse Guarantee Rider" on your "Advantage Builder" part of the policy, the death benefit in the policy can be extended to the entire life of the person insured.

Universal Life Insurance : This type of life insurance is a very common type of permanent life insurance in the American market. This type of policy will actually specify the amount a beneficiary to the policy gets within certain minimum and maximum limits. This will allow the policy holder to actually buy the amount of life insurance that he or she prefers.

Single Premium Life : This type of policy is unique in that the person will only pay a single one time premium for a death benefit that will actually last a lifetime. This is primarily designed for individuals that have savings or that need cash when they have an emergency.

Indexed Survivor Universal Life : This type of life insurance company is one in which two lives are insured (more than likely a couple) and pays the benefit after the second person dies. In other words, if a husband dies before his wife; the policy will not be reimbursed to the beneficiary. It also has the potential to accumulate cash value that in the end will be given to the beneficiary after both people in the policy die.

Level Premium Term Insurance : Perhaps the most famous type of life insurance in the United States because it is not permanent. This type of insurance simply allows a policy holder to have protection for a specified period of time. In AmerUS (now Aviva) people can purchase 10, 15, 20 or 30 year term policies based on the needs that they have. This type of policy does not accrue cash value, but it will pay the beneficiary the amount that the policy holder purchases in case of the policy holder's death.

Excess Interest Whole Life Insurance : There products are made to ensure that professionals, business owners, individuals and executives obtain what they need from the life insurance industry. What this type of policy does is give you fixed premiums and guarantees you death benefits.

As you can see AmerUS has gone far beyond what many life insurance companies have achieved. With the joint help of Aviva of North America, these two companies have taken the life insurance market in the United States to a whole new level. To decide if AmerUS and Aviva may be a good life insurance choice for your needs then be sure and carefully research your options with a licensed Aviva life insurance agent.

Source by James J. Robinson

Job Loss and High Renter Insurance Premiums – Use Multiple Quotes to Cut Costs

A sudden loss of job can put your personal finance in severe jeopardy. If you are living in a rented house, you will have to make payments to your landlord on a regular basis. You can not excuse yourself from payment of rent just because you have lost a job.

You may have to dip into your savings to meet such monthly expenses. In such a scenario, continuing with your home renter's insurance policy may seem like a futile task.

You may feel the urge to skip premium payment so that you can use the money to meet your monthly expenses. However, keep in mind that this will leave you with absolutely zero protection in event of any damage to any property in your house.

You can not afford to cut a sorry figure in front of others just because you have lost your job, can you? What will your guests think of you when they find that you are not in a position to repair and replace certain damaged objects?

This will be a direct confession of your inability to maintain your lifestyle because you have lost your job. If you feel the urge to cut costs, you should make use of multiple insurance quotes on the World Wide Web. This will help you save lot of money.

Further, you can find out ways to cut insurance costs on all other types of insurance policies you have. This will help you save hundreds of dollars without compromising on coverage. Switching insurance policies is not a very difficult task on the World Wide Web.

You need not worry about the cost of research because bulk of the information, including insurance quotes, is available for free online. There are no obligations involved. Here, you have nothing to fear when obtaining insurance quotes. Nobody is going to knock on your door step and insist you to take a decision quickly.

You need not confess your inability to pay for your insurance to strangers. You can operate from the comforts of your home and need not waste lots of time searching for the right insurance coverage. All this and more is possible only if you use the World Wide Web.

Source by VS Iyer

Getting Multiple Insurance Quotes Today

In today's economy, more people are searching for ways to lower their expenses. Getting multiple insurance quotes offer them the ability to compare rates of a variety of different companies and select the one that offers the best price for the coverage they need. It will be important when you're doing this to make sure that you're provided with a detailed estimate so that you can be sure you're getting the coverage that you need.

When you are able to request these different estimates, you'll learn very quickly that some companies offer far better rates than others. For some people, the good rate is the most important thing. When a person needs to lower their expenses, they will likely pick up the lower rates as a way to reduce their overall household budget.

Options for vehicle coverage are quite extensive today for everyone. Even those seeking coverage that may have problems with their driving history are trying to find lower rates for their vehicles. For some, it is impossible to find a better rate while the points are still on their license. However for others they will learn that options for lower prices can be found.

In order to get a good rate you might find you need to eliminate certain things from your policy. For example, some companies offer roadside assistance with their coverage for an added fee. Some agencies use this as an optional coverage while others may insure that you include it. In a world where you can get this type of coverage for any vehicle on your cell phone, paying an extra twenty dollars a month to carry it on a specific car will seem pointless.

Getting the best possible rate for your situation will involve doing plenty of research. Comparing a variety of estimates from many different companies might be time consuming for some but the benefits that you will receive can quickly outweigh that lack of time. If you need to spend a few hours requesting the information and another couple of hours going through the information but find that you can save hundreds of dollars, it will be time well spent.

Multiple insurance quotes can provide you with the information that you need to make a very informed decision about your coverage today. In addition to learning about ways that you can save money, you might learn about other choices that you have at the same time. Getting all of the information together and comparing will be key to this money saving opportunity.

Source by Allan Koenen

What a Good Insurance Agency Does If Insurance Is Canceled

Having your insurance policy retracted by an underwriter is something that any individual or business owner is related to even think about. The fact is that these things can happen and they can happen to anyone or any institution.

When a policy is canceled, it is likely that it comes suddenly and unexpectedly. The sudden lack of coverage of course comes with serious repercussions. Naturally, an immediate fix will not always result in the best solution.

Here's a genuine episode of an insurance policy that was rescinded without prior warning but ended with a happy resolution thanks to the expert of an experienced agency.

As told by the insurance specialist in the commercial lines department of the agency:
Not long ago, the attending broker at the agency received a phone call from a business office building.

"I need a good insurance plan for my new building," he said.

All factors about the property told the agent that this would be a simple transaction. With a new building made entirely of steel and concrete there was no indication that any difficulties would crop up.

After an insurance search, a tailored policy was procured at a good rate. Following a preliminary inspection by the insurance company, the all-clear was given and the comprehensive policy was bound at a nice rate – $ 12,000 a year for $ 11 million coverage.

Out of the blue, the insurance company told the servicing agency that it was necessary to conduct a sprinkler inspection on the building. As the commercial property sprinkler inspector took in the condition of the sprinkler system, he noted that there were four decorative panels on the outside walls that did not suit the non-combustible material criteria of his company.

With the office building downgraded to the insurance class of a frame structure, the former office building policy was abruptly rescinded by the insurance company.

The distorted office building owner was told that the agency's commercial lines specialist would shop the network of providers for him.

And she did – quite successfully, in fact.

The broker got immediately down to business. She negotiated with another insurance company that initially had given a slightly higher rate than the one bound and presented a tailor-made policy to the office building owner that included even wider coverage along with a cheaper premium than the canceled policy.

You can guess the epilogue to this tale. There was one extremely satisfied client due to the agency's untiring efforts to locate a winning conclusion.

Source by M Wyzanski

Reasons to Maintain Life Insurance

Life insurance is designed to protect your loved ones in the event of your death. Your beneficies may be your wife, your children or any other family members or partners with whom you have an emotional and financial obligation.

As a basic guide, consider the following ten items as bona-fide reasons to maintain life insurance:

1. Life insurance will free your family members from the burden of the loss of your income, debts owed, and daily expenses as the continue their lives if you should die.

2. It will secure your estate by providing tax free cash that can be used to pay estate and death costs and to shelter business and personal expenses.

3. Some life insurance policies retain a cash benefit, which can be available to you if you do not die prematurely. These funds can then be used to help support your retirement.

4. Coverage for critical illness can be made a part of some life insurance policies, which can help to pay some expenses during a period of disability.

5. A valid life insurance policy can improve your credit rating.

6. Creditors do not have access to cash value of a life insurance policy or to the death benefits in the event of a bankruptcy.

7. Funeral expenses can be covered by a life insurance policy

8. Certain types of Term life insurance allows you to get much of your premium back after a specified period if you do not die during the policy term.

9. A business that is dependent on an owner for funding or for business activity can benefit if a life insurance policy in the event of the unexpected death of that person.

10. The lifestyle of your family can be maintained if you die.

Financial obligations result when you create a situation by which a person close to you comes to depend on the things that you do and the income you provide. Insurance can replace the income piece of this pie, but the part about the "things you do" while a bit different than money is still a component that needs to be calculated in assessing the need for life insurance. Take for example a family of four, which includes a husband, a wife, and two children. If the husband and father is the main breadwinner, his income should certainly be protected with a life insurance policy. However, what if he is a secondary income earner in the family and cares for the children for a large part of the week while the wife attends her higher income job? If the husband were to die, his income would still likely need to be replaced by insurance, but so would his services of caring for the children while their mother is at work. Services and activities such as this should also be considered in addition to the income of a family member.

Additionally, there are other financial obligations that should be considered including funeral expenses, unsettled medical bills, mortgages, unsecured loans, and college expenses to name a few.

In order to determine how much coverage you need, a careful look at your lifestyle and all of your debts should be reviewed. The best way to do this is with a quality financial advisor that has experience with planning for such contingencies.

Source by Chris Cdutoit