Royalty Free Articles by Category
Insurance Articles

1. 

Term life insurance is by far the simplest form of life insurance. Term life insurance is simply that, insurance for a term or specific period of time. It pays a benefit only if you die in the designated period of time. On the downside, it pays nothing if the policy expires before you die. It...

• Date Added: 5/3/2006
• Views: 555

2. 

Choosing a life insurance plan is difficult; it takes a lot of time and research in order to ensure that all aspects are thoroughly examined before making a final decision. There are basically two forms of life insurance to choose from: term life insurance and permanent life insurance....

• Date Added: 5/3/2006
• Views: 539

3. 

When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety. Planning a vacation is stressful enough without having to worry about something going horribly wrong. Purchasing travel insurance...

• Date Added: 5/3/2006
• Views: 524

4. 

Auto insurance can be confusing and mind boggling sometimes and it's hard to determine exactly why some individuals are receiving rates which are lower than others. There are many factors which contribute to the rate of auto insurance, some you have control over and others you don't.

Below...

• Date Added: 5/3/2006
• Views: 765

5. 

Many people today are feeling the pinch of the poor economy and are wondering if they shouldn't just drop their car and other insurance policies. This is especially tempting for those who haven't made an insurance claim in years, if ever, who may see some policies as just an unnecessary expense....

• Date Added: 6/6/2008
• Views: 197

6. 

If you are graduating from high school or college, congratulations! Graduation is an accomplishment that you will have for the rest of your life. One thing that is certain about this time of your life is that your life will change from this moment forward.

One typical change for our...

• Date Added: 3/8/2006
• Views: 632

7. 

If you are between jobs and you are considering not paying for COBRA health insurance benefits, you may need to look at alternative interim insurance coverage. COBRA is the law that allows employees to keep their health insurance coverage for 18 months once they leave their job by paying...

• Date Added: 3/17/2006
• Views: 545

8. 

In Ontario, special acts have been enacted for Condominium Corporations. The acts form a specific outline and provide a complete definition of what a condominium is.

The Condominium Corporation is formed usually by a portion of the condominium unit owners and they are known as the...

• Date Added: 6/16/2008
• Views: 140

9. 

"Peruse the newspaper headlines in virtually any city in the U.S., and you'll undoubtedly run across a story about insurance fraud," says Tom Reitze, President of David Morse & Associates (www.davidmorse.com), providers of third-party administrator services, field adjusting services, specialty...

• Date Added: 7/4/2006
• Views: 442

10. 

""Most consumers don't realize that 25 percent of their insurance premiums are ultimately used to pay fraudulent claims," says Tom Reitze, President of David Morse & Associates (www.davidmorse.com), providers of third-party administrator services, field adjusting services, specialty claims...

• Date Added: 7/7/2006
• Views: 401

11. 

When insurance brokers look out into the world they see two types of prospective customers. Every individual person fits into one of the two categories. They are either smokers or non-smokers.
Someone who occasionally smokes socially and someone who smokes everyday can end up in the same...

• Date Added: 6/5/2006
• Views: 422

12. 

Planning your annual holiday trip is important to most of us as it is the time when we take time to look after ourselves after working hard all year long. Some of us travel more frequently and whether you are planning a single trip or have more than one holiday per year you will probably want to...

• Date Added: 5/27/2008
• Views: 123

13. 

Meet Your Insurance Needs with The Answer Plan!

Here at The Answer Plan, we're committed to helping you find health, home, auto and life insurance that fits your needs--and your budget. We've also partnered with InsureMe to put you in the driver's seat, allowing you to compare up to five...

• Date Added: 5/28/2008
• Views: 207

14. 

Now that most states require a certain level of car coverage for you to drive legally, buying auto insurance is no longer something that you can put off or refuse to do. There are a number of important considerations, the first of which is that you should shop first for an insurance company, and...

• Date Added: 7/19/2008
• Views: 135

15. 

If you are thinking of borrowing a large sum of money, ensure that it comes at less troublesome costs. Making its repayments should not be a prospect that bogs you down. Secured homeowner loans are easily available loans that help you meet all your personal needs, especially when it comes to...

• Date Added: 5/31/2008
• Views: 150

16. 

Discussing the need for life insurance is never a pleasant topic, and certainly combined with talk of mortgage payments, it can be downright distasteful.  But it is your responsibility as the principle breadwinner in your home to consider what might happen if you or your spouse were to perish. ...

• Date Added: 2/7/2006
• Views: 316

17. 

The price of insurance depends ultimately on the risk the insurer is taking on on behalf of the customer. Simply put, this will depend on the chance of the insured event occurring, and the likely cost of the outcome. The way insurers calculate this risk, and quantify the amount of the premium, is...

• Date Added: 11/16/2005
• Views: 478

18. 

There are many factors, out of your control that can make you unable to repay your loans. You might become sick or get involved in an accident that takes you out of work for an extended period of time. Maybe your employer has to cut back and make wage decreases or lay-offs. If you are working for...

• Date Added: 11/23/2005
• Views: 390

19. 

Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesn't burn down next, or everyone could pitch in and pay an...

• Date Added: 11/25/2005
• Views: 376

20. 

The law requires liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, your insurance company will pay out any claims that are made against you. Extra coverage on your own vehicle, called comprehensive...

• Date Added: 12/7/2005
• Views: 376