About | and Life Insurance

Posts Tagged ‘about’

An insider helps with purchasing Life Insurance and gives information that you arenever told by your agent. This will help you to get the best policy possible that will be to your advantage instead of being “sold” a life insurance policy.
We will make “smart” when the life insurance agent comes knocking n your door.An insider helps with purchasing Life Insurance and gives information that you arenever told by your agent. This will help you to get the best policy possible that will be to your advantage instead of being “sold” a life insurance policy.
We will make “smart” when the life insurance agent comes knocking n your door.

Price:

Additional Facts About the National Flood Insurance Program

February 17th, 2012

Additional Facts About the National Flood Insurance Program
Myth: Flood insurance is only available for homeowners, not renters. Fact: Flood insurance can provide up to $ 100000 of coverage for the contents of any residential building, which includes the contents of a renter's residence.
Read more on LoanSafe

Farm News & Notes – Jan. 22, 2012
1 is the deadline for Wisconsin's homeowners and renters to join the Landscape Pesticide Advance Notice Registry with the new online registration system. The landscape registry is a way for homeowners and renters to be notified in advance of …
Read more on Fond du Lac Reporter

Theft tops the list of campus crimes
“We encourage people to have renters insurance and to look at full-coverage car insurance,” said Jo Hardesty, director and managing attorney for Legal Services for Students. “Their parents' home owner's insurance may even cover some things.
Read more on University Daily Kansan

Invest in Your Life: Why Wall Street wants YOU: Everything You Need to Know About Investing in Your Life Insurance Policy

February 11th, 2012

Invest in Your Life: Why Wall Street wants YOU: Everything You Need to Know About Investing in Your Life Insurance Policy

It wasn’t all that long ago when the notion of selling your life insurance policy was considered strange.Things sure do change fast.Investor demand for secondhand “used” life insurance policies has grown into a billion market. Analysts are predicting that that figure will grow to 0 billion by 2030. Millions of seniors have turned their life insurance policies into a financial windfall, with many earning six-figure payments or even more by selling their policies.But beware deals like these can be full of traps and pitfalls.This book will steer you through the rocky waters of the life insurance market. We’ll tell you everything you need to know to invest safely and securely. We’ll explain what the market for used life insurance is and where it came from. We’ll step through the entire process of a policy sale, from applying for life insurance to selling your policy to investors. And we’ll show you exactly how you can keep more money in your hands and away from brokers, investors and middlemen.It’s your life insurance policy, after all. Shouldn’t you be the one who profits most when you Invest in Your Life?

List Price: $ 16.95

Price: $ 14.09

What You Should Know About Gum Disease

February 8th, 2012

What You Should Know About Gum Disease
Find Out What You Can Do To Defeat Gum Disease From Home. Affiliates Earn A 70% Commission
What You Should Know About Gum Disease

Dr. Travis Stork’s heart-to-heart advice about America’s biggest killer

February 7th, 2012

Lori Johnston

Dr. Travis Stork, co-host of medical advice show “The Doctors,” has his pulse on how Americans can avoid heart disease, the nation’s No. 1 killer and most expensive health condition.

National data point to why physicians and nonprofit health organizations are encouraging people to become more aware of heart disease during February’s American Heart Month:

• Treatment of cardiovascular disease, including heart disease and stroke, accounts for about $ 1 of every $ 6 spent on health care, according to the federal Centers for Disease Control and Prevention (CDC).

• The total cost of cardiovascular diseases in America, in terms of health care expenditures and lost productivity, hit an estimated $ 444 billion in 2010.

• An estimated 83 million Americans, or more than one of every three, live with at least one type of cardiovascular disease.

• An estimated 935,000 heart attacks and 795,000 strokes occur annually.

• Nearly 4 million people report disabilities from heart disease or stroke.

travis_stork Stork, author of “The Lean Belly Prescription” and “The Doctor Is In: A 7-Step Prescription for Optimal Wellness,” offers insights into how to combat this costly condition.

InsuranceQuotes.com: What’s one lifestyle change today someone can make to improve their heart health?

Dr. Travis Stork: I always get back to the simplicity of walking 30 minutes a day. The data shows walking 30 minutes a day can add three years to your life. It doesn’t require expensive equipment. It doesn’t require any skill sets. And what else I love about walking is that it … can do something interesting for your heart, which is it can increase the quality time you spend with loved ones.

All too often in our hectic world, we settle into the couch, and I think adding a daily walk into your schedule reminds you to be on your feet more. Even if it’s informal walks throughout the day. I always say, get on your feet more and sit less. No matter what the activity may be, if you’re on the phone, get on your feet more. And make it a habit with your family, because your kids will watch you and tend to engage in your habits.

InsuranceQuotes.com: What types of screenings are important?

Stork: Blood pressure and cholesterol are the classic screenings you should engage in. (Nearly 68 million adults have high blood pressure and an estimated 71 million adults have high cholesterol, according to the CDC). Also, making sure your blood glucose levels are normal, because a lot of times people can be walking around with pre-diabetes or diabetes and not know it. That’s a major risk factor for heart disease.

The body mass index has flaws, but understanding, based on your body mass index, if you’re in the overweight or obese category can allow you — with your physician — to put an action plan together. Because obesity is a risk factor for heart disease and a great many people who are actually in the obese category don’t even know it, they don’t really realize that they should be taking charge of their health before it is too late.

Heart disease is primarily a silent killer, and that’s why if you go to your doctor and get your baseline cholesterol and blood pressure checked, your doctor can then work with you on how frequently you need to get it rechecked. The blessing is if you get these things under control, you’re going to end up saving a lot of visits to the doctor’s office in the long run.

InsuranceQuotes.com: What’s the connection between belly fat and heart disease?

Stork: There is a connection, and that’s what’s really important to remember. With all of the risk factors for heart disease, it’s all about connections. The more connections or risk factors you have for heart disease, the more likely your risk for developing heart disease.

Just like smoking is a risk factor, increased abdominal fat – AKA visceral belly fat – is a risk factor. Visceral fat is pro-inflammatory in the body. What that means is that the visceral fat is secreting inflammatory substances. It increases your blood levels of cortisol (a hormone). Cortisol, over time, can increase your blood pressure. And it also creates a feedback mechanism where the more cortisol you’re producing, ironically, your body stores more body fat, so it creates this vicious cycle.

The end point can be what’s happening inside your heart’s arteries, which is plaque deposits are evolving over time because, again, a lot of visceral fat typically means high blood cholesterol and triglyceride levels, and that means more and more cholesterol deposits in your arteries. The good news is visceral belly fat is the easiest fat to lose. That’s why I always preach: Eat well and be active. Eat well and be active. Eat well and be active. So many of these risk factors can be improved by doing those two things.

Incoming search terms:

Shocking Newspaper Headlines or cliches about the coverage of the hillsborough disaster by the sun..?

February 5th, 2012

Question by sam: Shocking Newspaper Headlines or cliches about the coverage of the hillsborough disaster by the sun..?
Hi i need a good headline or clichey (bad spelling) about the sun’s coverage of the hillsborough disaster.

Best answer:

Answer by quatt47
The Sun newspaper controversy

The controversial front page On the Wednesday following the disaster, Kelvin MacKenzie, then editor of The Sun, a British tabloid newspaper with national distribution owned by Rupert Murdoch, used the front page headline ‘THE TRUTH’, with three sub-headlines: ‘Some fans picked pockets of victims’; ‘Some fans urinated on the brave cops’; ‘Some fans beat up PC giving kiss of life’.

The story accompanying these headlines claimed that ‘drunken Liverpool fans viciously attacked rescue workers as they tried to revive victims’ and ‘police officers, firemen and ambulance crew were punched, kicked and urinated upon’. A quote, attributed to an unnamed policeman, claimed that a dead girl had been abused and that Liverpool fans ‘were openly urinating on us and the bodies of the dead’.

In their history of The Sun, Peter Chippendale and Chris Horrie wrote:

‘As MacKenzie’s layout was seen by more and more people, a collective shudder ran through the office [but] MacKenzie’s dominance was so total there was nobody left in the organisation who could rein him in except Murdoch. [Everyone] seemed paralysed, “looking like rabbits in the headlights”, as one hack described them. The error staring them in the face was too glaring. It obviously wasn’t a silly mistake; nor was it a simple oversight. Nobody really had any comment on it—they just took one look and went away shaking their heads in wonder at the enormity of it. It was a “classic smear”.’
Following The Sun’s report, the newspaper was boycotted by most newsagents in Liverpool, with many refusing to stock the tabloid and large numbers of readers cancelling orders and refusing to buy from shops which did stock the newspaper. The Hillsborough Justice Campaign also organised a national boycott which was less successful, but certainly hit the paper’s sales.

MacKenzie explained his reporting in 1993. Talking to a House of Commons National Heritage Select Committee he said “I regret Hillsborough. It was a fundamental mistake. The mistake was I believed what an MP said. It was a Tory MP. If he had not said it and the chief superintendent (David Duckenfield) had not agreed with it, we would not have gone with it.” MacKenzie would repudiate this apology in November 2006, saying that he only apologised because the newspaper’s owner Rupert Murdoch ordered him to. He said “I was not sorry then and I’m not sorry now” for the paper’s coverage. MacKenzie refused again to apologise when appearing on the BBC’s topical Question Time on 11th January 2007.

The Sun itself issued an apology “without reservation” in a full page opinion piece on 7 July 2004, saying that it had “committed the most terrible mistake in its history.” The Sun was responding to the intense criticism of Wayne Rooney, a Liverpool-born football star who then still played in the city (for Everton), who had sold his life story to the newspaper. Rooney’s actions had incensed Liverpudlians still angry at The Sun. The Sun’s apology was somewhat bullish, saying that the “campaign of hate” against Rooney was organised in part by the Liverpool Daily Post & Echo, owned by Trinity Mirror, who also own the Daily Mirror, arch-rivals of The Sun. Thus the apology actually served to anger some Liverpudlians further. The Liverpool Echo itself did not accept the apology, calling it “shabby” and “an attempt, once again, to exploit the Hillsborough dead.”

Some other newspapers also detailed the same allegations on the same day, which apparently originated from a source within South Yorkshire Police attempting to divert blame, but The Sun attracted particular opprobrium for its use of the huge “THE TRUTH” headline and its subsequent refusal to issue an apology, something the other newspapers were quick to do.

On 6 January 2007, during their team’s FA Cup defeat to Arsenal at Anfield, Liverpool fans in The Kop held up coloured cards spelling out “The Truth” and chanted “Justice for the 96″ for 6 minutes at the start of the game. The protest was directed at both Kelvin MacKenzie and the The Sun, as well as the BBC for employing MacKenzie as a presenter.

To this day, many people in the Liverpool area refuse to buy The Sun as a matter of principle, and the paper’s sales figures within Merseyside have been very poor since the day the original story was printed – as of 2004, the circulation in Liverpool was down to 12,000 copies a day, 200,000 fewer than previously.

The Reaction of other Clubs
The Hillsborough disaster did not only touch clubs in England but the disaster was known worldwide and touched clubs around the world.

On 19th April 1989 (the following Wednesday of the disaster), a European Cup semi final between AC Milan and Real Madrid was played. The referee blew his whistle 6 minutes into the game to stop play and hold a minute’s silence for those who lost their lives tragically at Hillsborough. About 20 seconds into the silence the Milan fans on the Curva Sud began to sing Liverpool’s anthem You’ll Never Walk Alone as a tribute to those who died. This was a gesture that many Liverpool fans would not forget and there has been great respect between a core section of Liverpool and AC Milan supporters since that night.

Although I’m a Manchester United fan I’ve never bought a copy of The Sun since that day and i won’t have it in the house. I feel solidarity with Liverpool fans for the tragedy. No-one deserves to die like that. God rest them all.

Know better? Leave your own answer in the comments!

Incoming search terms:

What does anyone know about www.l-lifeinsurance and lost life insurance policies and finding them?

January 31st, 2012

Question by Holy Ghost: What does anyone know about www.l-lifeinsurance and lost life insurance policies and finding them?
I am curious as to whether or not anyone has used this service, and if so how did things work out for them.

Best answer:

Answer by Steve S
I have always directed people to the Medical Information Bureau, I have attached there link below. This is a good place to start and look for missing policies.

What do you think? Answer below!

Incoming search terms:

5 Questions about flood insurance …

January 27th, 2012

5 Questions about flood insurance …
So how safe are local homes and businesses? Not as safe as you might think, according to the Federal Emergency Management Agency, or FEMA, which runs the National Flood Insurance Program. Joseph Amorosi Jr. of Nationwide's Amorosi Insurance Agency in .
Read more on Buffalo Business First

Flood insurance mandatory when you live in flood zone
By Stephen McLamb – bio | email Living in a flood zone means your home can end up flooded anytime it rains. It also means flood insurance is mandatory. Keith Lang is dealing with flood insurance right now. He believes he's in a 500 year flood area.
Read more on WAFF

Flood insurance shock
They have received notices from insurance companies that their next premiums will skyrocket if they want to take out flood cover. The Goulburn Post has seen an NRMA insurance renewal notice sent to an Albert Street property owner (who asked that her …
Read more on Goulburn Post

7 things you need to know about distracted driving

January 26th, 2012

Nick DiUlio

Most of us have had the urge on more than one occasion. It’s the “need” to respond to a text or answer a call or check email while driving. Well, according to a study published in December 2011 by the National Highway Traffic Safety Administration, it turns out that most of us are giving into this urge — and, oh, what a dangerous urge it is.

In this slideshow, we highlight six findings of the traffic safety agency’s study and tell you one more thing: how distracted driving can affect your auto insurance.

Troy Anderson

Mold mania swept the United States a decade ago after lawsuits filed by celebrities Ed McMahon, Erin Brockovich and Michael Jordan stoked fears about “killer mold.”

Now, a new threat has emerged – a “house-eating fungus” that can devour homes in months. But the devastating fungus known as poria incrassata pales in comparison to perhaps an even bigger danger – the fact that many home insurance policies now contain caps or other coverage limits on mold and fungus claims.

In a lawsuit that some experts say could have national ramifications, Los Angeles residents Walter and Judy Moore allege that their home insurer, Seattle-based Safeco Insurance Co., acted in bad faith and engaged in unfair competition. The Moores allege that the company initially said it would cover a poria claim, but then backed out after learning it would cost hundreds of thousands of dollars to fix their 1,500-square-foot home. The two-bedroom, two-bathroom Mission Revival home was built in 1924; it sits in a quaint, upper-class neighborhood.

The couple alleges that Safeco told them a $ 10,000 coverage limit applied only to fungus cleanup costs, not to subsequent repairs, but then told them the $ 10,000 limit applied to all losses, including repairs.

A ‘huge insurance scam’?

“This is essentially a huge insurance scam we’ve uncovered where people are not getting what they are paying for,” says Judy, who managed the couple’s rental property in the south of France until they were recently forced to sell it after the fungus invasion. “I know we are not an isolated couple who have somehow had the incredibly bad luck to find out our $ 1 million home is really only insured for $ 10,000.”

Walter, a corporate trial attorney and a former Los Angeles mayoral candidate, alleges in the lawsuit that Safeco failed to disclose on its home insurance declarations, or summary, page the policy limitations for mold or fungus damage. Safeco wrote on its declarations page that the policy would pay hundreds of thousands of dollars — enough to rebuild the home — but an “Additional Property Coverage” provision states the company will pay only up to $ 10,000 for fungus damage and cleanup, Walter alleges.

The lawsuit was filed in February 2011 in Los Angeles Superior Court.

When consumers buy or renew a policy, Safeco sends them a California Residential Property Insurance Disclosure form – showing policy limits valued at hundreds of thousands of dollars. No mention is made of a $ 10,000 limit for any covered losses, Walter alleges.

“There are much broader ramifications for all consumers,” says Walter, a Georgetown University graduate and former editor of the Georgetown Law Journal. “I think if most consumers saw something on their declarations page that the policy limit could be as low as $ 10,000, they would switch insurance companies. You couldn’t replace your car for $ 10,000, much less your home.”

Safeco’s defense

Brenda Harrison, a spokeswoman for Safeco, declines to comment on the Moores’ suit. Safeco is a subsidiary of Liberty Mutual, a Fortune 100 company that’s the country’s fifth-largest property and casualty insurer.

Judy Moore stands in the under-repair home she shares with husband Walter. Judy says they’re victims of a “huge insurance scam.”

Jeffrey Crowe, an attorney for Safeco, explained in court documents that the company investigated this “unusual” case and learned water had entered the house through a vent pipe on the roof that was cut during an earlier remodeling project. This allowed rain to seep behind the walls, permitting the wood-decaying fungus to grow. Safeco later determined the loss wasn’t covered because of the policy’s exclusion for “continuous or repeated seepage or leakage of water.” Although the declarations page didn’t identify the policy’s “Special Provisions” regarding fungus, Crowe says the company covers only as much as $ 10,000 for fungus-related losses.

The case was scheduled to go to trial Jan. 17, 2012, but the judge dropped that trial date. A new trial date hasn’t been set. The Moores have asked the judge to issue an injunction prohibiting Safeco from selling or renewing any home insurance policies in California until it revises its declarations pages and discloses the $ 10,000 fungus limit.

“They know this could do severe damage to them,” Judy says. “If we get a permanent injunction against Safeco that requires them to start telling the truth about what they are selling then there could class-action lawsuits in every state. It would not be, ‘Do you owe people money, but how much do you owe every single one of your policyholders?’”

‘Hideous lack of transparency’

Daniel Schwarcz, an associate law professor at the University of Minnesota Law School who is an expert on home insurance policies, says the Moores’ lawsuit could lead to greater disclosure of exactly what home insurance policies cover.

“There is a hideous lack of transparency about policy coverage, about what companies pay out on and how the process works,” Schwarcz says. “All this information is really hidden from public scrutiny. It’s a real regulatory problem. It’s a problem our courts could fix by forcing insurers to pay claims unless they are really clear to policyholders beforehand about what is covered and what is not.”

The ‘mold rush’

Mold and fungus have been around for centuries and are found everywhere. In the United States, there are more than 100,000 species of fungus. Some species like poria can cause extensive property damage; poria is a soil-inhabiting fungus that has shown up recently in homes in Southern California, Northern California and states along the Gulf Coast.

Other types of fungus can cause health problems ranging from runny noses, coughs and sinusitis to more serious upper respiratory ailments such as asthma and bronchitis. Certain types of mold can produce toxins. The federal Centers for Disease Control and Prevention has found no conclusive evidence that inhalation of these toxins is associated with brain damage, memory loss or a lack of energy – as feared a decade ago during the “killer mold” scare.

Before 2000, the few mold-related claims insurers saw generally were settled for a few thousand dollars. But mold and fungus kicked up a furor a decade ago with multimillion-dollar lawsuits by McMahon and other celebrities, and with headlines like this one from Time magazine — “Beware: Toxic Mold.” In one highly publicized case, a Texas family abandoned their mansion and won a $ 32 million jury award in 2001 against Farmers Insurance. An appeals court later reduced the amount to $ 4 million.

Nationwide, mold-damage payouts soared, more than doubling from $ 1.3 billion in 2001 to nearly $ 3 billion in 2002, according to the Insurance Information Institute. From 1997 to 2002, mold-related claims rose from $ 229 million to $ 589 million in California alone. At the time, traditional home insurance policies did not exclude mold and fungus damage.

Attorneys held mold-damage seminars for homeowners in the early part of this century, says Pete Moraga, a spokesman for the Insurance Information Network of California, a nonprofit group supported by the insurance industry.

“They called it the ‘mold rush,’ ” Moraga says. “ ‘Mold is Gold’ was a name of a seminar showing attorneys how they could make a lot of money on this.”

Mold limits become the norm

After a spike in mold-related lawsuits, many state insurance regulators excluded or limited mold coverage on home insurance policies. Mold contamination is covered under these policies only if it is the result of a covered peril, according to the Insurance Information Institute. A covered peril is a type of risk that an insurance policy covers.

For example, the costs of cleaning up mold caused by water from a burst pipe are covered in most policies because water damage from a burst pipe is a covered peril. But mold caused by water from excessive humidity, condensation or flooding is a maintenance issue for the property owner and is not covered. Every state except Arkansas, New York, North Carolina and Virginia has adopted mold limits for home insurance policies.

“The insurance industry reacted en masse to the Texas verdict and put caps across the board into homeowner’s policies regarding mold,” says Amy Bach, executive director of United Policyholders, a nonprofit advocacy group for insurance consumers. “Then it became a big political issue, and some state legislators intervened when they thought the caps were too low. In some states, you’ll see a $ 5,000 max on mold. Other states have nothing on their books. But the insurance companies almost across the board have limited coverage for mold damage.”

Certain states allow insurers to establish sub-limits — either as a percentage of policy limits or as a fixed dollar amount — for mold cleanup. While some insurance companies prefer to create a total exclusion, others exclude mold but offer an attachment to the policy that makes coverage available at an additional cost.

Walter and Judy Moore let their neighbors know what they think of their home insurance company with a handmade sign on a hedge in their front yard. The message, spelled out in large white letters, says “SAFECO SUCKS!”

As a result of states letting insurers exclude mold as a covered peril, the Insurance Information Institute was unable to figure out how much insurers paid out in recent years for mold claims. However, the institute does track losses caused by freezing and water damage, which includes mold-related claims. From 2005 to 2009, those losses increased from 15 percent of all home insurance losses to 24 percent.

When comparing home insurance coverage, Patricia McConahay, a spokeswoman for the California Department of Insurance, says people should carefully read the policies to determine whether mold claims will be paid. If a consumer has a mold claim, McConahay says, he should submit it to his insurer. If the claim is denied, he should contact his state’s insurance department. The department will investigate to determine whether the claim was wrongly denied, McConahay says.

Reversing course

The Moores, the Los Angeles couple, filed a complaint in February 2011 with the California Department of Insurance against Safeco for undue delay and unfair denial of their claim. The complaint alleges that Safeco denied the couple’s claim twice before finally approving it, but only after a long delay that gave the fungus time to spread throughout the house.

“Before I allowed anyone to tear up our home, I double-checked with the claims adjuster, in writing, that the $ 10,000 amount was for only remediation, and the amount for the repair necessary was not part of this $ 10,000,” Judy says. “The adjuster responded in writing that, yes, the $ 10,000 limit only applied to the remediation part of the claim. He also asked me to get new bids for repair.”

The Moores’ lawsuit alleges Safeco then reversed its decision to avoid the increased repair costs resulting from the delay.

Contractors estimate it will cost $ 350,000 to $ 750,000 to fix the Moores’ home, which was valued at $ 950,000 before the fungus invasion, Walter says.

‘A big case for consumers’

The complaint also asks the California insurance commissioner to require Safeco to provide customers with copies of all insurance documents that “fairly and accurately disclose” what losses are covered. The department has informed the Moores that it will wait until the court case is over before taking any further action.

“I think it’s a big case for consumers,” Walter says. “I’m not a class-action lawyer, but I think some consumer lawyer should jump on this and sue them to recover the difference between the protection homeowners are paying for on the one hand and the protection they are actually getting on the other hand.”

Incoming search terms:

13.01.11 Kerry Adams talks about Earthquake Issues in Christchurch

January 24th, 2012

Kerry Adams, Director of Dodd & Associates Limited, talks about earthquakes issues in Christchurch and responds to media reports about insurance and Inland Revenue. Kerry also talks about the recently announced grant from Red Cross for assisting with legal and accounting fees. This video is intended as a guide only and should not be relied upon as a definitive answer. Every business is different and if a particular topic is relevant to your business guidance should be sought from one of the experienced accountants at DAA. This is extremely important.
Video Rating: 0 / 5

and Life Insurance

Posts Tagged ‘about’

About Life Insurance

About Life Insurance

Related Posts:

Additional Facts About the National Flood Insurance Program

Related Posts:

Invest in Your Life: Why Wall Street wants YOU: Everything You Need to Know About Investing in Your Life Insurance Policy

Invest in Your Life: Why Wall Street wants YOU: Everything You Need to Know About Investing in Your Life Insurance Policy

Related Posts:

What You Should Know About Gum Disease

Related Posts:

Dr. Travis Stork’s heart-to-heart advice about America’s biggest killer

Incoming search terms:

Related Posts:

Shocking Newspaper Headlines or cliches about the coverage of the hillsborough disaster by the sun..?

Incoming search terms:

Related Posts:

What does anyone know about www.l-lifeinsurance and lost life insurance policies and finding them?

Incoming search terms:

Related Posts:

5 Questions about flood insurance …

Related Posts:

7 things you need to know about distracted driving

Incoming search terms:

Related Posts:

13.01.11 Kerry Adams talks about Earthquake Issues in Christchurch

Related Posts: