Posts Tagged ‘More’

Correll Insurance of Gaffney – Get Your Auto Insurance, Homeowner’s Insurance and More!

Do you live in Gaffney, South Carolina and are you looking for auto insurance, homeowner’s insurance, life insurance, business insurance or any of the many insurance policy coverage types you may require? The Gaffney office of Correll Insurance Group has served the Cherokee County community since the 1970s. You can find us on the web @ www.correllinsurance.com Were located @ 103 N. Johnson Street Gaffney, SC 29342 Below, you’ll find some of the many insurance categories we provide. # Car insurance # Commercial auto insurance # Homeowners insurance, including high-value homes # Vacation and second home insurance # Watercraft, ATV, RV, and motorcycle insurance # Flood Insurance # Umbrella policies # Renters insurance # Business insurance # Group health plans # Workers’ compensation insurance # Property and liability insurance # Errors and omissions insurance # Life, disability, long-term care, and health insurance for individuals and groups # Annuities # 401(k) plans # Bonds While our list of coverage lines is long, you should know that we also offer many options for coverage and rates within each of these lines. That’s because we are a Trusted Choice® independent insurance agency. Unlike many local “branded” insurance offices that offer just one company’s product, we offer car insurance, business insurance, and home insurance from almost all the nation’s leading carriers. This vast network of carriers, along with our experience and dedication, has made us one of South
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More IUL Choices for More Clients From Pacific Life Insurance Company

More IUL Choices for More Clients From Pacific Life Insurance Company
ALISO VIEJO, CA, May 02, 2012 (MARKETWIRE via COMTEX) — Indexed universal life insurance (IUL)(1) sales have more than doubled since 2008.(2) To further address the needs of buyers in this expanding market, Pacific Life Insurance Company introduced …
Read more on MarketWatch (press release)

Online Insurance Marketplace Site Announces New Feature, Online Videos
Online Insurance Marketplace Announces New, Online Videos on (www.onlineinsurancemarketplace.com) Los Angeles, CA (PRWEB) May 02, 2012 Online Insurance Marketplace, the premiere site for life insurance saving tips for no medical exam insurance …
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Colonial Life Launches New Group Term Life Product
COLUMBIA, SC, May 02, 2012 (BUSINESS WIRE) — Employers now have a new life insurance product to offer their employees. With life insurance ownership at an all-time low in the US(1), Colonial Life & Accident Insurance Company's new group term life …
Read more on MarketWatch (press release)

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I have heard of people having more than one life insurance policy. At death will all the policies pay?

Question by Jay: I have heard of people having more than one life insurance policy. At death will all the policies pay?
People have jobs that offer basic and voluntary life insurance. If the employee gets both life insurance coverages, will both life insurance policies pay benefits?

Best answer:

Answer by ?!?!?!?
Voluntary plans are usually supplemental plans (in addition to a group plan that offers up to certain amount based on your salary. Supplemental plans are intended to pay out above and beyond the primary group plan.

Add your own answer in the comments!

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Tornado Alley: Twister damage a risk to more homeowners than previously thought

Tamara E. Holmes

It’s hard not to cringe when viewing pictures of homes destroyed during recent tornado outbreaks in states like Alabama and Texas. While many homeowners may consider such devastation to be unlikely in their own backyards, a new study finds that tornado risk extends well beyond the states traditionally considered to be in “Tornado Alley.”

Although Tornado Alley doesn’t have official boundaries, it refers to an area of lots of tornado activity in the Great Plains, which includes parts of South Dakota, North Dakota, Nebraska, Kansas, Oklahoma, Texas, Colorado and Illinois. However, homeowners who live outside that area and think they’re in the clear may be grossly misinformed, according to the study, conducted by business information provider CoreLogic.

According to the research, 16 other states reported a high number of tornado touchdowns between 2000 and 2011: Iowa, Louisiana, Mississippi, Alabama, North Carolina, South Carolina, Arkansas, Indiana, Missouri, Georgia, Ohio, Wisconsin, Minnesota, Florida, Tennessee and Kentucky.

tornado_alley“It is clear from the data that more than a dozen states outside the traditional Tornado Alley should be concerned about the potential for damaging wind or hailstorms,” Tom Jeffery, chief hazard scientist at CoreLogic , and Howard Botts, vice president and director of database development at CoreLogic, say in a statement. “While not all areas are of equal risk, at least parts of these states need to be aware of the increased potential for damaging storms.”

‘Extreme risk’

The study was better able to pinpoint parts of high-risk states that have a lower level of tornado risk than previously thought. Most people consider the states in Tornado Alley to be at “extreme risk” of tornadoes. However, no state falls entirely under the “extreme risk” label.

“While they may not contain an area classified as ‘low’ risk, they certainly do have areas with less than ‘extreme’ risk,” Jeffery and Botts say.

Likewise, only three Tornado Alley states – Kansas, Oklahoma and Illinois – rank among the 10 states with the most tornado touchdowns.

The amount of damage that tornadoes produce can be catastrophic. In 2011, insured losses from tornadoes and thunderstorms exceeded $ 25 billion, according to risk management firm Munich Re. That number is more than twice the $ 9.5 billion in insurance losses in 2010. As a whole, tornadoes were the costliest natural disaster in 2011.

“Everyone is at risk,” says Amy Preddy, a spokeswoman for State Farm. “I think the last few years have shown us that no matter where you are in the country, a tornado can come to you.”

Not an isolated event

While the past couple of years have yielded several severe tornado outbreaks that amassed plenty of media attention, the CoreLogic study actually takes into consideration many years of severe weather activity.

“One year or one decade of event data does not provide nearly enough information to make an accurate assessment of risk,” Jeffery and Botts say. “The CoreLogic risk analysis for damaging hail, tornadoes and straight-line wind is generated from the analysis of 30 years of data that are then modeled over a 10,000-year period to generate a statistically viable historic record.”

So if more homeowners are at risk of experiencing severe weather events, what does that mean as far as home insurance rates are concerned? Some insurers may adjust their insurance rates, charging higher premiums for homeowners who live in regions that are more at risk of sustaining tornado damage. Likewise, homeowners who live in parts of Tornado Alley that aren’t at “extreme risk” for tornadoes might see their premiums go down.

“After last year’s dramatic losses, most insurers are trying to get a better understanding of their true exposure to wind and hail losses,” Jeffery and Botts say.

At the very least, insurers are working to educate their customers that tornadoes and other types of severe weather are possible and even probable for a larger slice of the country than previously thought.

Preparing for the worst

Regardless of where a homeowner lives, he or she should prepare for tornadoes and other weather emergencies:

1. Develop a home safety plan. Make an emergency kit, which includes such necessities as your insurance information, water, non-perishable food and a weather radio. Also, determine the safest place in your home and let family members know where everyone should go if a tornado hits, Preddy says. A basement is the best option, followed by a room in the middle of the house away from windows.

2. Create a home inventory. Come up with a list documenting all of your possessions. Including photographs of valuable items can add clarity. Not only will the home inventory help you value property that’s been lost or damaged, but it can speed up the claims process. The aftermath of a tornado is the worst time to be trying to take an inventory of what was damaged because “in the time of disaster, it’s hard to remember everything you had at the house,” says April Eaton, a spokeswoman for Allstate.

3. Make copies. While your first inclination may be to keep your inventory in your home office, “if your house is blown away, so is your inventory,” Preddy says. Have extra copies on hand somewhere else, such as on a “thumb” drive stored in a safe deposit box.

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Tmj No More ™: Tmj Cure*$34/sale* Top Affiliate Makes $247k/month

Tmj No More ™: Tmj Cure*/sale* Top Affiliate Makes 7k/month
The Highest Payout (/sale) & Highest Converting Tmj, Bruxism And Teeth Grinding Cure Program On Cb. Proven 8% Conversions. A Powerful & Unique System For Reversing Tmj Holistically. $ $ $ Awesome Affiliate Tools Center: www.tmjnomore.com/affiliates.html
Tmj No More ™: Tmj Cure*/sale* Top Affiliate Makes 7k/month

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Will I Have to Pay More for My Insurance Because I’m Young?

www.MurrayGRP.com – #87 – The reality of auto insurance is that young drivers are going to pay more than their more experienced counterparts. There are three reasons for this: – Young drivers get in more accidents than experienced drivers… Simple fact. – Limited to no credit rating. To find out the third reason, watch the video. It is important to always consult a professional insurance agent about your specific insurance needs. Our team of insurance professionals at The Murray Group would be happy to answer any questions you have regarding your auto insurance policy. Click the link above to visit our website and learn more. ACTION: If this video provided you with any level of value Please Click the “Like” button above. www.MurrayGRP.com

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Girl drivers more likely to text, talk

Girl drivers more likely to text, talk
A new study finds that teen girls are twice as likely as boys to use an electronic device when they're behind the wheel of a moving vehicle. By MSN Money partner 17 hours ago This post comes from Mark Chalon Smith at partner site Insurance.com.
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Scott Marquart Selected For "2012 San Diego Home/Auto Insurance Professionals"
BONSALL, Calif., March 26, 2012 /PRNewswire via COMTEX/ — Scott Marquart of Bonsall, CA, has been honored with a recognition by San Diego Magazine in its selection of "2012 San Diego Home/Auto Insurance Professionals." Scott Marquart commented on the …
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Competition Tribunal Denies Insurance Bureau of Canada Motion to Void
By Staff Writer Joe Overby The Used Car Dealers Association of Ontario notched a win in legal arena earlier this month when the Competition Tribunal denied a motion from the Insurance Bureau of Canada to rescind an Interim Supply Order that the two …
Read more on Auto Remarketing

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Poor People Illegally Paying More For Auto Insurance, New Study Shows

Poor People Illegally Paying More For Auto Insurance, New Study Shows
By 4 Auto Insurance Quote NEW YORK CITY, March 19, 2012 — /PRNewswire-iReach/ — 4AutoInsuranceQuote.org, an insurance quote provider out of Manhattan, NY, released a new study on how income levels affect automobile insurance premiums.
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Vehicle Insurance Company, FoxQuotes.com, Makes Their Insurance Services
Car Insurance Company FoxQuotes.com Announces Expansion to San Diego County. This is Another Report of Their Online Company Growing San Diego County is reported to be the next county in line to have FoxQuotes.com's vehicle insurance services made …
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Democratic State Senator Juan Vargas Endorses the 2012 Automobile Insurance
AP Business NewsBrief at 7:34 am EDT Today, California State Senator Juan Vargas (D – San Diego ) former Chair of the Assembly Insurance Committee, announced his endorsement of the 2012 Automobile Insurance Discount Act. This initiative will allow …
Read more on Insurance News Net (press release)

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My daughters car insurance has more than doubled because she got 9 penalty points in the last year.

try this site where you can compare quotes from different companies: www.usainsurancequotes.net My daughters car insurance has more than doubled because she got 9 penalty points in the last year. she wants ? “me to get insurance on her car and then get her put on that insurance. if she gets more points while she is under my insurance would that affect the price of the insurance on my own cars or would only if she caused an accident make my insurance go up. i could get a years insurance on her car for less than the price of 1 monthly installment she would have to pay for her own insurance. what do you think. if she gets 3 more points she will be disqualified from driving . if that happened while she was on my insurance would that put my insurance prices up even though she would be off my insurance if she did get disqualified. what i have wrote might not make sense. i want to know if i do this for her and she gets disqualified while being on my insurance would that put my insurance prices up for all my cars or what or would it only effect my insurance if she causes an accident. while shes on my insurance. * 41 minutes ago * – 3 days left to answer. Additional Details 40 minutes ago we live in the USA. sorry this is very long i found it hard to write what i was really trying to ask. 33 minutes ago i know if she causes an accident while she is on my insurance ot would effect how much my insurance costs but if she was to get disqualified while she is on my insurance would that

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