Life insurance in usa

The Children's Health Insurance Program (CHIP)

Click bellow to read and see...
คลิ๊กวิดีโอ

If your children need health coverage, they may be eligible for the Children's Health Insurance Program (CHIP). If they qualify, you won't have to buy a Marketplace plan to cover them. You can apply for and enroll in Medicaid or CHIP any time of year. There’s no limited enrollment period for either Medicaid or CHIP. If you qualify, your coverage can start immediately. CHIP Basics CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers parents and pregnant women. Each state offers CHIP coverage, and works closely with its state Medicaid program. What CHIP covers CHIP benefits are different in each state. But all states provide comprehensive coverage, including: Routine check-ups Immunizations Doctor visits Prescriptions Dental and vision care Inpatient and outpatient hospital care Laboratory and X-ray services Emergency services States may provide more CHIP benefits. Check with your state for information about covered services. What CHIP costs Routine "well child" doctor and dental visits are free of charge under CHIP. But there may be copayments for other services. Some states charge a monthly premium for CHIP coverage. The costs are different in each state, but you won’t have to pay more than 5% of your family's income for the year. See if your children qualify for CHIP Each state program has its own rules about who qualifies for CHIP. There are 2 ways to see if your children qualify: Visit www.insurekidsnow.gov and select your state. Or call 1-877-543-7669. Fill out the Marketplace application. We'll tell you which programs you and your family qualify for. If it looks like anyone is eligible for CHIP, we'll let your state CHIP agency know so your coverage can start right away. More answers What if my children are eligible for CHIP, but I would rather buy a Marketplace plan? If my children can get CHIP but I don't qualify for Medicaid, how can I get insured?

Takaful vs Life Insurance

The common questions that most people ask when it comes to buying an insurance is this:
What is the difference between Takaful and Life Insurance? Basically, Takaful is based on Shariah (Islamic Law) principles, and the general concept of a Takaful is :

A group of people (or in this case, policy owners) contribute a sum of money to a takaful fund in the form of participative contribution (tabarru’). These policy owners will undertake a contract (aqad) for them to become one of the participants by agreeing to mutually help each other, should any of the participants suffer any form of misfortune, either arising from death, permanent disability, loss, damage or any other such misfortunes as covered under the takaful you personally undertake. Here is a basic example of how Takaful works: Eg: Sharifah and Shafawati contribute RM 100 a month to a Takaful fund for ten years.During that period of time, should any one of them suffer from any misfortunes (or death), the benefit will be taken out from the fund that they contributed in, and not from their individual accounts. So how is this different from Life Insurance? We highlight the top insurance issues in Takaful and Life Insurance, and their differences: Issues Takaful Life Insurance ACCOUNTS ƒFor Life Takaful, there are two accounts namely, Personal Accident (PA), which is treated in line with the principles of al-Mudharabah; while the other account is Participants' Special Account (PSA), which is treated on the basis of al-Tabarru In life insurance policy, the collected premiums are credited into the account known as life insurance account or fund. BENEFITS Paid from the defined funds under joint indemnity borne by participants Paid from the funds legally owned by the company BONUS Takaful contract specifies from the outset how the profits from Takaful investments are to be shared between the operator and the participants. ƒThis shall be in accordance with the principle of al-Mudarabah, and the share could be in the ratio of: i.e 5: 5 or 6:4 or 7:3 etc. as agreed between the participant and the operator in the contract regardless of the amount of investment profit made during the year. May offer bonus or profits in general terms only especially with profit policies, that is, there is no exact specification with regard to the profit sharing in the contract. ƒThe rate of bonus itself can vary from year to year and is up to the discretion of the Board of Directors of the company. CLAIMS In a life Takaful policy, if the risk occurs, the beneficiary(s) shall have the right to claim the policy value from the PSA besides the accumulated entire amount from the PA. ƒBut if in this category of policy, the participant survives at the maturity of the policy, his/her claim shall be confined within the amount available in the PA. ƒIn a life insurance policy where the risk occurs, the beneficiary (s) shall have the right to claim whole amount named in the policy. ƒBut, if in case the risk does not occur, the insured shall have the right to claim the policy value at maturity together with the interest if any. So there you go, the basic guides to Life Insurance and its different components. We hope that you are more enlightened and ready to face insurance agents with these guides! Just drop by our forum for any comments, additional information, or if you spot any errors!

Senior Life Insurance is a Worthwhile Investment

Click bellow to read and see...
คลิ๊กวิดีโอ

Senior life insurance policies are useful because they can better serve the unique needs of seniors. Although you may not have any dependents, a senior life insurance policy can help you to begin formulating a plan that will protect your assets and finance your final expenses. Multiple types of affordable plans and options from which you can choose are available.

And it is easy to qualify for senior life insurance. There is no medical exam; all you have to do is answer some health questions. It is important to seek out a policy that will not be cancelled just because you have grown older. For example, your top priority should be purchasing an amount of senior life insurance that will provide adequate coverage for burial and funeral costs. According to the American Association of retired Persons (AARP), funerals and burials are among the most expensive purchases older Americans make. 1Funeral costs average over $65002 and Social Security provides only $225.3 Naturally, most people don’t want to put that kind of burden on their loved ones. Also, you must consider the likelihood of incurring medical bills or other outstanding debts that will need to be immediately addressed. This is important because even if you leave your family a large nest egg, they may have to wait a long time to receive any money from your estate. Meanwhile your loved ones could be responsible for paying your outstanding debts and other expenses. Probate is a process that freezes your assets and can take a long time, anywhere from 6-18 months.4 After probate, any further debts that are still outstanding will be either taken from your estate or inherited by your loved ones.5 As a result, they may have to borrow the money or take the necessary funds from their savings. In contrast, there are no restrictions on how your loved ones may use the proceeds from your senior life insurance policy. The money can be used for any expense, and your loved ones are usually given this tax free money within 2 weeks. Therefore, your final expenses will not rest on your family. Furthermore, if you have a spouse, consider that he or she will only receive a portion of your social security after your death. Since that may affect his or her standard of living, the option of purchasing a senior life insurance policy may offer protection against the stress of having to move in with a child. Or you may wish to leave a legacy gift by making your favorite charity the beneficiary of your senior life insurance policy. Seniors need to be informed about senior life insurance policies and the different options that can serve their needs. A senior life insurance policy is more than just a way to pay for a funeral. It is a ticket to peace of mind.

Life Insurance Do I Need

You can’t protect your family if you don’t know how much you need every month. Don’t just guess. You might think that $500,000 in term coverage is sufficient. After all, it’s a lot of money. But give it careful thought. You may find that this is not enough.

If you die and your family gets the $500,000, what can they do with it? They might invest it using an income diversity strategy and maybe earn 5%. That amounts to just $25,000, of yearly investment income. So, if you earn $25,000 in salary, a $500,000 term policy is plenty. But if your family depends on more than $25,000 each year, you need more coverage. 3. How much do you save each month? If you put away money every month and live within your means, keep it up. In fact, you probably don’t need to replace all of your income, so you need less term life insurance. 4. What are your longer-term saving goals? How much money do you need to retire and pay for your immediate future? Are you saving enough to fund your future automobile purchase, retirement and education for the kids? If you have funds set up for nonrecurring but expected outlays, fine. Otherwise, you need more coverage. 5. How much income do your survivors need if you aren’t around? This is the only thing that really matters when it comes to determining how much life insurance you need. But to answer this you have to first add up your answers for the above questions. Let’s say you know you spend $6,000 each month to pay all your bills including taxes. You calculate this using a personal budgeting software program so you know you are on target. Let’s also assume that this $6,000 pays for everything including future college education, automobile purchases and retirement. Of the $6,000, you earn $3,500 and your husband earns $2,500. You run a financial plan and figure that by age 65, your maximum Social Security benefit and income from your investments will replace your earned income. That’s when you retire. (Without a financial plan it’s really tough to know how much insurance you need.) After you do this exercise, you know that you need to replace your income until you reach 65. That’s $3,500 per month for you and $2,500 for your husband. Your monthly income is equivalent to $42,000 a year. You need enough term insurance so that if you pass away, you could invest the proceeds and earn $42,000 after tax. How do you calculate that?

How Much Life Insurance Do I Need?

The question of how much insurance to carry is a daunting one. The bottom line is that you need coverage if you have a family or others who depend on you. Ably tackling the how-much issue is AdviceIQ contributor Neal Frankle, CFP, the founder of Wealth Resources Group in Agoura Hill, Calif. His blog is at Wealth Pilgrim. Neal’s take:

Figuring out your life insurance needs sounds trickier than it actually is. The important thing is first determine whether you need life insurance, which kind is best for you and carefully calculate how much you need. All we have to do is be clear about what your situation is, what risk to mitigate and voila, you have your answer. First question: Do you need life insurance at all? If you have dependents to protect and don’t have enough savings, you definitely need insurance. Second question: Which kind of insurance should you get? If you want to protect your family against the destruction of your business or estate taxes after your death, whole life or universal life insurance has to be considered. But if your main concern is to protect your family against a loss of your income, term insurance is the way to go. Finally, how much insurance do you need? This question is also pretty straightforward. It takes a few steps, but it’s not rocket science. Let’s go through it: 1. How much debt do you have other than your mortgage? If you have any other debt, you are spending more than you earn. Do you add to your debt each month? Do you pay it down each month? If you have debt, you have to buy more life insurance to pay it off. 2. How much do you spend each month? The most accurate way to determine your monthly needs is to use a personal budget software package like YNAB, but you can also use your bank statements to estimate your spending.

How to get a date in a day

How to get a date in a day
Six things that women need to become the first modern girl and get a date in a day .
Not yet born girl also available attractiveness and charisma. The following conditions will help you become more attractive, interesting, beyond the beauty endowed.

1. Physique :

Men are like girls who have a soft body, refreshed with a moderate waist. A girl too skinny or too fat usually does not cause the attention.

2. Costumes :

Men are very respected woman whose dress fit physique and work, but could not break revealing subtle way.

3. Ability to communicate :

When chatting, the most important for the girls was the voice. Men exposed girls pitched voice or hollow usually lose sympathy. You should not say too much, other people's sentences and excessive nature.

4. Personality :

You should not confuse individuality and eccentricity. Men are like girls with personality, appeal in a special way. Personality to fit your personality.

5. Underground charm :

Many men believe that a beautiful woman is simply to "watch", while the more attractive they are underground charm of the girl.

6. World soul :

Appearance of beautiful girl can not always over time, and beautiful soul are always last forever. Men appreciate world woman soul.

Maybe you do not converge all these conditions, but can you still an attractive woman there. It is important that you keep yourself beauty and the beauty of life .

Simplified Term Life insurance

Simplified Term Life Insurance Apply by mail or online now for up to $100,000 in coverage. Choose from $10,000 to $100,000 Easy application with no medical exam…just health information Affordable rates

Underwriting Information:
In addition to the information that is furnished in the application, we may use your signed authorization to request medical
information and prescription drug history from your physician, hospital or other health care provider, pharmacy, pharmacy benefit
manager or medical information retrieval service. We may disclose information we collect about you as required or permitted by
law. You have a right of access to certain personal information we maintain in our files about you. You may request
correction, amendment, or deletion of any information to which you may have access. You may receive a full description of your rights to access, correct, amend, or delete information by writing to us at the address on the Application.

Privacy Notification:
Your privacy is important to New York Life. We maintain physical, electronic and procedural safeguards that meet state and federal
laws. Information we collect, such as name and address, about individuals who request additional product information will be
shared as allowed by law for normal business administration and related business services within the New York Life Family of
Companies and with non-affiliates, such as New York Life Agents and other service providers. You have the option to tell us not to
share your information as follows:

• Within the New York Life Family of Companies to let you know about our other products and services.
• With non-affiliates with which we have joint agreements, such as banks, credit card issuers and online services, to offer you their products and services.
We will follow your state’s privacy law if that law differs from the policy described in this notice. To request a copy of our
complete privacy notice or to request your information not be shared, call 1-800-338-0615. The choice you make will apply to all the products you purchased from us.
You have the right to access certain information we maintain in our files about you. You may request correction, amendment, or
deletion of it. To receive a full description of these rights, write to us at: P.O. Box 31683; Tampa, FL 33631.

Simplified Term Life Insurance

Simplified Term Life Insurance Apply by mail or online now for up to $100,000 in coverage. Choose from $10,000 to $100,000 Easy application with no medical exam…just health information Affordable rates

Provide your family with a lump sum cash payment to help with housing and other living expenses,
bills you may leave behind or even education costs.
Features and Benefits
Up to $100,000 in life insurance coverage
Valuable protection you can keep until age 80
No waiting period—coverage starts from the day your coverage takes effect
Supplement an existing policy or use as your main source of coverage
No Medical Exam or Lab Work...Just Health Information
There’s no physical examination or medical tests required…acceptance is based on your answers
to three health questions along with other information you provide or give us permission to obtain.
Find Your Affordable Monthly Rates Here
MenWomen
Age $10,000 $25,000 $50,000 $75,000 $100,000
30-34 7.64 13.10 22.21 27.77 33.33
35-39 8.79 15.98 27.96 35.27 42.58
40-44 10.39 19.98 35.96 45.71 55.46
45-49 12.39 24.98 45.96 58.75 71.54
50-54 14.96 31.40 58.79 75.50 92.21
55-59 19.19 41.98 79.96 103.13 126.29
60-64 26.79 60.98 117.96 152.71 187.46
65-69 35.18 81.94 159.88 207.42 254.96
70-74 48.79 115.98 227.96 296.27 364.58
75-79 83.88 203.71 403.42 525.23 647.04
Your initial premium is based on your age at issue. Premiums increase as you enter each new five-year age band and will always follow the rate chart above. Ages 75-79 are not eligible for issue; renewals only. Coverage ends at age 80. If relevant statements of age or facts are not accurate, New York Life will make a fair adjustment of premiums and/or insurance. Residents of FL: Victor Verastegui is a licensed Florida agent for service to Florida residents.
New York Life does not anticipate paying dividends for this product.

Common Questions

Q.
Will my benefit amount ever decrease?
A.
Benefits are guaranteed not to decrease until insurance ends regardless of changes in your age or health.
Premiums are arranged in five-year age bands and will increase as you enter each new band. See rate chart above.
Q.
How long can I keep this life insurance?
A.
This term insurance is yours to keep until you reach age 80. All we ask is that you pay your premiums on time and that your application contains no material misrepresentations about your medical history. This protection can be exchanged for permanent coverage without a medical exam any time until insurance ends at age 80. Rates will be based on your age at that time. Q.
Are there any exclusions or limitations?
A.
Benefits will not be paid for death from suicide in the first two years.*

The life insurance you need

What's the difference?
When you work with a New York Life agent, you:
Receive that personalized touch, professional advice. Your agent will conduct a complete financial needs analysis to help you
identify the amount and type of life insurance you need.
Take the first step toward a long-lasting relationship.
Will receive an individual policy, underwritten especially for you, based on your needs and health.

When you apply for a New York Life policy online, you: Can easily apply within minutes. Have no medical exam - acceptance is based on your health information. May apply for up to $100,000 of term life insurance (ages 30-74) or $50,000 of whole life insurance (ages 30-80). Being prepared is smart and easy. Learning about the benefits and protections life insurance offers is easy. And it’s the smart thing to do. Life insurance can protect the ones you love and be the foundation of your financial plan. New York Life offers both term and whole life insurance at a price that works within your budget. You’ll have the peace of mind knowing that you’re backed by one of the strongest, most financially secure companies in the industry*. Find out what so many others already know: when it comes to keeping the good going in your life, New York Life is the smart and easy choice. Serious about buying life insurance? Want more information? Fill out the form, and we’ll have one of our local, professionally-trained agents contact you – the consultation is free.

Funny Japanese Show: Nude Victim [Engsub]

Work and travel insurance travel insurance: fast, easy, secure Work and travel participants, volunteers and globetrotters trust CareMed when dealing with travel insurance. CareMed insurance includes extensive and reasonable priced health insurance for persons traveling worldwide. Travel assistance, luggage, accident and third party liability insurance can optionally be added. Regardless of your nationality, you can buy travel insurance easily online, for € 27,00/US$ 42.70 per month, for example.

She's Gone - Steelheart Cover (by dens gonjalez )

She's Gone - Steelheart Cover (by dens gonjalez )
Steel Heart - She's Gone, it's the famouse song,
Power energy singer, will can be sing this song as well.

She's Gone sing by Korean guy ('고음 끝판왕' 노라조 이혁, 'she's gone' 대폭발! 끝까지 간다 29회)



Bellow is the official video " steelheart - she's gone official video "



Bellow is the song that sing by the Khmer language by the famous and top singer in Cambodia Mr. Preap Sovath.



Steel Heart - She's Gone Live Concert 2014

How U.S. Health Insurance Works

Health Insurance in the United States Health care in the United States can be very expensive. A single doctor’s office visit may cost several hundred dollars and an average three-day hospital stay can run tens of thousands of dollars (or even more) depending on the type of care provided. Most of us could not afford to pay such large sums when we get sick, especially since we don’t know when we might become ill or injured or how much care we might need. Health

Health insurance offers a way to reduce such costs to more reasonable, affordable amounts. The way it typically works is that the consumer (you) pays an up front premium to a health insurance company and that payment allows you to share ‘risk’ with lots of other people (enrollees) who are making similar payments. Since most people are healthy most of the time, the premium dollars paid to the insurance company can be used to cover the expenses of the (relatively) small number of enrollees who get sick or are injured. Insurance companies, as you can imagine, have studied risk extensively, and their goal is to collect enough premium to cover medical costs of the enrollees. There are many, many different types of health insurance plans in the United States and many different rules and arrangements regarding care. Following are three important questions you should ask when selecting health insurance: Key question #1. Where can I receive care? One way that health insurance plans control their costs is to influence access to providers. Providers include physicians, hospitals, laboratories, pharmacies, and other entities. Many insurance companies contract with a specified network of providers that has agreed to supply services to plan enrollees at more favorable pricing. If a provider is not in a plan’s network, the insurance company may not pay for the service(s) provided or may pay a smaller portion than it would for in-network care. This means the enrollee who goes outside of the network for care may be required to pay a much higher share of the cost. This is an important concepts to understand, especially if you are not originally from the local Stanford area. If you have a plan through a parent, for example, and that plan’s network is in your home town, you may not be able to get the care you need in the Stanford area, OR you may incur much higher costs to get that care. Key question #2. What does the plan cover? One of the things health care reform has done in the United States (under the Affordable Care Act) is to introduce more standardization to insurance plan benefits. Before such standardization, the benefits offered varied drastically from plan to plan. For example, some plans covered prescriptions, others did not. Now, plans in the United States are required to offer a number of ‘essential health benefits’ which include: · Emergency services · Hospitalization · Laboratory tests · Maternity and newborn care · Mental health and substance-abuse treatment · Outpatient care (doctors and other services you receive outside of a hospital) · Pediatric services, including dental and vision care · Prescription drugs · Preventive services (e.g., some immunizations) and management of chronic diseases · Rehabilitation services For our international population of students who might be considering coverage through a non U.S. based plan, asking the question, ‘what does the plan cover’ is extremely important. Key question #3. How much will it cost? Understanding what insurance coverage costs is actually quite complicated. In our overview, we talked about paying a premium to enroll in a plan. This is an up front cost that is transparent to you (i.e., you know how much you pay). Unfortunately, for most plans, this is not the only cost associated with the care you receive. There is also typically cost when you access care. Such cost is captured as deductibles, coinsurance, and/or copays (see definitions below) and represents the share you pay out of your own pocket when you receive care. As a general rule of thumb, the more you pay in premium up front, the less you will pay when you access care. The less you pay in premium, the more you will pay when you access care. The question for our students is, pay (a larger share) now? Or, pay (a larger share) later? Either way, you will pay the cost for care you receive. We have taken the approach that it is better to pay a larger share in the up front premium to minimize, as much as possible, costs that are incurred at the time of service. The reason for our thinking is that we don’t want any barrier to care, such as a high copay at the time of service, to discourage students from getting care. We want students to access medical care whenever it’s needed. Definitions: Out-of-Pocket Expenses -The terms ‘out-of-pocket cost’ or ‘cost sharing’ refer to the portion of your medical expenses you are responsible for paying when you actually receive health care. The monthly premium you pay for care is separate from these costs. Annual Deductible - The amount you pay each plan year before the insurance company starts paying its share of the costs. If the deductible is $2,000, then you would responsible for paying the first $2,000 in health care you receive each year, after which the insurance company would start paying its share. Copayment (or ‘Copay’) - A fixed, up front amount you pay each time you receive care when that care is subject to a copay. A copay of $30 might be applicable for a doctor visit, after which the insurance company picks up the rest. Plans with higher premiums generally have lower copays, and vice versa. Plans that do not have copays typically use other methods of cost sharing. Coinsurance - A percentage of the cost of your medical care. For an MRI that costs $1,000, you might pay 20 percent ($200). Your insurance company will pay the other 80 percent ($800). Plans with higher premiums typically have less coinsurance. Annual out-of-pocket maximum - The most cost-sharing you will be responsible for in a year. It is the total of your deductible, copays, and coinsurance (but does not include your premiums). Once you hit this limit, the insurance company will pick up 100 percent of your covered costs for the remainder of the plan year. Most enrollees never reach the out-of-pocket limit but it can happen if a lot of costly treatment for a serious accident or illness is needed. Plans with higher premiums generally have lower out-of-pocket limits.

Work and travel insurance

Work and travel insurance travel insurance: fast, easy, secure Work and travel participants, volunteers and globetrotters trust CareMed when dealing with travel insurance. CareMed insurance includes extensive and reasonable priced health insurance for persons traveling worldwide. Travel assistance, luggage, accident and third party liability insurance can optionally be added. Regardless of your nationality, you can buy travel insurance easily online, for € 27,00/US$ 42.70 per month, for example.

Why is travel health insurance so important? Special coverage for long-term stays abroad (this is NOT included in your travel insurance for holidays). Coverage of medical expenes is required during travel & work (all working holiday visa, volunteer programs and internships), CareMed insurance will be accepted for your visa application. You need immediate medical help abroad? Our multilingual 24-hour emergency service is pleased to assist. What to consider when checking travel insurance options Compare insurance plans: Travel insurance should be adapted to the needs of long-term travelers and particularly work & travel participants. The price should not be crucial. Insurance benefits and terms and conditions of your travel health insurance are relevant, too. Insurance coverage: All CareMed policies offer unlimited medical coverage. Benefits: Which costs will be covered? Is medical repatriation included in travel health insurance? Terms and conditions: Read them carefully, especially exclusions and limitations. Why has CareMed insurance the applicable coverage? Support & service: You may contact us with questions concerning work and travel insurance any time. We are not only available online, we will also help you personally. Flexibility: You may put together your own insurance plan (e.g. deductible as well as coverage options). Online application on short notice: Insurance confirmation is available immediately after application. Multi-lingual documents: CareMed provides insurance documents in various languages. Personal login: You have access to important information 24/7. Online access is a great advantage while traveling. Experience: CareMed insures travelers for more than 25 years. Quality: CareMed has been shortlisted Star Award Insurance Provider 2014, Study Travel Magazine

Car-Rental Insurance and the Collision

When you rent a car, you are liable for a very high deductible, sometimes equal to the entire value of the car. Fortunately, there’s usually more than one way to limit your financial risk in case of an accident. Baseline rates for European rentals nearly always include basic, mandated liability coverage — for accident-related damage to anyone or anything outside the car. (The company may offer additional liability insurance, but I wouldn’t buy this without some extenuating reason.).

It’s (usually) up to you, however, to decide how to cover the risk of damage to or theft of the car itself. You have three main options, all described below: buying a “collision damage waiver” (CDW) through the car-rental company (easiest but most expensive), using your credit card’s coverage (cheapest), or getting collision insurance as part of a larger travel-insurance policy. If you’re renting in either Ireland or Italy you’ll have little choice but to buy the company’s CDW. If you need a car for at least three weeks, you’re probably better off leasing, which includes zero-deductible collision and theft insurance (and is tax-free to boot). Note that theft insurance covers just the loss of the car itself, not anything stolen from inside it (see my tips on protecting your car from thieves). Car-Rental Company CDW The simplest solution is to buy a CDW supplement from the car-rental company (it’s the main extra included in the “inclusive” rates you’ll see in quoted prices). This coverage technically isn’t insurance; rather, it’s a waiver: The car-rental company waives its right to collect a high deductible from you in the event the car is damaged. Note that this “waiver” doesn’t actually eliminate the deductible, but just reduces it. CDW covers most of the car if you’re in a collision, but usually excludes the undercarriage, roof, tires, windshield, windows, interior, and side mirrors. CDW generally costs $10–30 a day (figure roughly 30 percent extra). Sometimes the CDW charge itself is a little less when combined with theft/loss insurance as part of an “inclusive” rental rate — it’s often cheaper to pay for this kind of coverage when you book than when you pick up the car. When purchasing CDW, the reduced deductibles can still be substantial, with most hovering at about $1,000–1,500 (or more, depending on the car type). Most rental companies also offer a second tier of coverage, called “super CDW” or “zero-deductible coverage” to buy down the deductible to zero or near zero (if you didn’t opt for this when booking from home, expect to hear a sales pitch from the counter agent). This is pricey — figure about an additional $10–30 per day — but, for some travelers, it’s worth the peace of mind. When comparing rental options online, beware that some European rental agencies quote “basic” rates that include CDW/theft coverage. (In this case, it’s not an optional extra, so you can’t decline it.) If these CDW-inclusive rates seem too good to be true, they probably are: The unwaived deductible is almost certainly especially high (expect $2,000–3,000)...so you’ll have to spend extra to buy the “super CDW” anyway to get the deductible down to a reasonable level. Given these costs, the alternatives to paying for the rental company’s CDW are worth considering carefully: credit-card coverage or collision coverage through your travel-insurance provider. Credit-Card Coverage Car-company CDW surcharges can seem like a racket when you consider that most credit cards already include collision coverage. By paying with the right credit card, you get zero-deductible collision coverage (comparable to “super” CDW)...likely for free. In other words, if your car is damaged or stolen, your credit card will cover whatever costs you’re liable for. The only major downside: If you do end up in an accident, dealing with credit-card coverage can be more of a hassle than what you’d encounter with the car-company CDW. But if a potential headache seems like a worthwhile trade-off for certain — and significant — cost savings, look into this option. To make this work, first double-check that your credit card does indeed offer this coverage. Remember that restrictions apply and coverage varies between issuers: Get a complete description of the coverage offered by your credit-card company. Ask in which countries it is applicable, which parts of the car (if any) are excluded, the types of vehicles that are eligible, whether it covers theft/loss, the maximum reimbursement allowed (if it’s less than the price of the car, the rental company may require you to buy their CDW), and the maximum number of rental days covered (if your rental period exceeds that number, your card won’t cover any of the rental). Have them explain the worst-case scenario to you. It can be smart to ask for a “Letter of Coverage” — take a hard copy of it with you to the rental counter in Europe. Once you’ve confirmed your credit card’s coverage, be sure to decline the CDW offered by your car-rental company. If you accept any coverage offered by the rental agency, you automatically forego your credit-card coverage. (In other words, if you buy CDW that comes with a $1,000 deductible, your credit card will not cover that deductible.) This may also be the case if you book and prepay for a rental that already includes CDW and/or theft coverage — don’t sign any rental contract until you’re sure that by doing so you’re not accidentally accepting the rental company’s coverage. A credit card’s collision coverage applies even if the damage happens while the car’s being driven by someone else, as long as that other driver, and the cardholder, are both listed as drivers on the rental contract. Remember to use that same card not only to reserve the car, but also to pay for the rental itself, as well as any other related fees you’re charged, whether when booking at home, or when picking up or dropping off the car in Europe — switching cards can invalidate the coverage. If you get in an accident, the rental company will charge your credit card for the value of the damage (up to the deductible amount) or, if the vehicle is stolen, the value of the deductible associated with theft. It’s then up to you to seek reimbursement for these charges from your credit-card company when you get home. You’ll need to submit the police report and the car-rental company’s accident report. (When deciding between rental companies, consider that American-based rental companies can be easier to work with if you have a claim to resolve.) Be warned that, as far as some rental companies are concerned, by declining their CDW offer, you’re technically liable for the full deductible (which can equal the cost of the car). Because of this, the car-rental company may put a hold on your credit card for the full value of the car. This is bad news if your credit limit is low — particularly if you plan on using that card for other purchases during your trip. (Consider bringing two credit cards — one for the rental car, the other for everything else.) If you don’t have enough credit on your card to cover the car’s value, the rental company may require you to purchase their CDW. Since most credit cards don’t offer collision insurance to their European cardholders, counter agents — especially those unaccustomed to American clients — may be skeptical that declining their CDW is a prudent move (all the more reason to have hard-copy proof of your credit-card coverage on hand). Don’t be surprised if you hear a warning about how credit cards provide only “secondary” coverage — that’s moot as long as you’ve declined the rental company’s coverage and your own personal car insurance doesn’t apply to the country you’re in. By clearly understanding the coverage from your credit-card company, you should be set to ward off a hard sale on the rental-company CDW. Collision Coverage Through Your Travel-Insurance Provider If you’re already purchasing a travel-insurance policy for your trip, adding collision coverage is an option. Travel Guard, for example, sells affordable renter’s collision insurance as an add-on to its other policies. It’s valid everywhere in Europe except the Republic of Ireland, and some Italian car-rental companies refuse to honor it, as it doesn’t cover you in case of theft. If your car-rental company doesn’t accept this coverage, and you have to buy other coverage to replace it, Travel Guard will refund your money. If you do go with an insurer’s comprehensive travel coverage, be sure to add the insurance company’s name to your rental agreement when you pick up the car.

How the man uses his dick to catch fishes in lake

Visitors Insurance Plans
Visitor insurance for USA visitors and international travelers provides health, accidents & travel insurance coverage for USA;
Most suitable and best visitor insurance, for USA visiting parents, relatives & business travelers to USA on visitor / business B1 B2 Visa.
Below are the top-rated health insurance plans for visitors coming to the USA, from the leading US insurance companies, with excellent ratings, that provide Best Visitors Insurance for USA Visitors at lowest prices.

Visitors Insurance Plans

Visitors Insurance Plans
Visitor insurance for USA visitors and international travelers provides health, accidents & travel insurance coverage for USA;
Most suitable and best visitor insurance, for USA visiting parents, relatives & business travelers to USA on visitor / business B1 B2 Visa.
Below are the top-rated health insurance plans for visitors coming to the USA, from the leading US insurance companies, with excellent ratings, that provide Best Visitors Insurance for USA Visitors at lowest prices.

How To Buy Car Insurance (Video inside)

Click bellow to watch video

Car insurance is one of the necessary evils of modern life. You pay a substantial amount of money each month to the insurance company, and if you are like most people, you have not had an accident or made a claim in years. Yet when you do suddenly find yourself involved in a collision, the insurance premiums you've been forking over all these years will finally pay off. The advent of the Internet has raised the level of competition between insurance companies. Because you can now sit at home in your bathrobe and compare rates and coverage between companies, they are under more pressure to offer competitive deals. So why not leverage the Internet's potential to help you save time, save money, and find the best auto insurance coverage? First, let's be clear about the fact that auto insurance is required by law in most states―it's not optional. If you drive a car, you must have auto insurance. So you need to find out what the law requires in your jurisdiction when it comes to how much auto insurance coverage you need to maintain. Print out your state's requirements, and save that information for the next step in the process. What Can Influence Your Rates Because insurance prices are all based on statistics, the prices each of us pays varies wildly. Things like the driver's age, years of driving experience, what neighborhood the car is usually parked in overnight, the make and model of the car, what kind of safety features the car has, and whether or not you have antitheft devices installed―all of these variables will factor into the price you'll pay for the particular level of coverage you choose. Before you get too far into shopping for insurance, you might want to order a copy of your driving record. In much the same way that your credit rating determines what kind of interest rate you'll get when you are applying for financing, your driving record will influence your insurance rate. When you get your driving record, take a look at it to make sure that it is current and accurate. You would not want an error on your driving record to keep you from getting the best rate possible. What Coverage Do You Need? Your state sets forth the minimum liability coverage you must maintain, as mentioned above. But these are just the legal minimums and might not give you the coverage you need. You'll have to decide what you want to buy beyond these minimums. Keep in mind that you are looking to find the balance between having adequate coverage and overpaying. According to Consumer Reports, a general guideline for adequate bodily injury liability limits is $100,000 per person and $300,000 per accident, plus $100,000 for property damage. These amounts are what your insurer will pay to someone you are in an accident with. For uninsured motorist coverage, you should get the same amount as for bodily injury liability, as this covers your medical costs when someone who is not insured hits you. Other Types of Coverage You can always supplement your policy with specific protections (for a higher premium, of course). For example, many motorists get comprehensive and collision coverage. Comprehensive pays out when your car is damaged or lost due to causes other than an accident, such as vandalism, theft, or weather. Collision coverage will pay to repair your own car if you hit something. These options typically come with your choice of deductible, usually $250 to $1,000. This is the amount you pay out of pocket before your insurance kicks in; the higher the deductible, the lower the premium you'll pay for this type of coverage. Additional options include rental reimbursement coverage, which pays for a rental car while your car is in the shop being repaired. Roadside assistance coverage will pay to have your vehicle towed. Keep in mind that if you already have an auto club membership, you do not need this additional coverage. Get the Best Rate The National Association of Insurance Commissioners (NAIC) recommends that you ask your potential insurer about the following discounts: Good driving record: Many auto insurers offer discounts to drivers who have not made a claim, haven't been in an accident, or haven't received a traffic ticket in three years. Good grades: Young drivers can get discounts for maintaining a B average or better in school. Driver's education: Some insurance companies offer a discount for drivers who complete a driver's education or driver's safety course. Multiple policies: Some insurance companies offer discounts if you have two or more policies with them. Safety equipment: Equipment such as antilock brakes and antitheft devices can get you a discount. Longtime policy holder: If you have kept your policy with an insurer for several years, ask about a discounted premium. Higher deductibles: A higher deductible usually means lower premiums. Gather Quotes Once you know what kind of coverage your state requires, you will need the following information in front of you in order to get an accurate quote for auto insurance: The age and sex of the driver(s), the number of drivers in your household, and their driver's license numbers. A description of your car: the make, model, year, and vehicle identification number (VIN). The type of coverage and limits you want. Where you park your car overnight. Get free auto insurance quotes and compare rates by using DMV.org'S Car Insurance Center. Check References Now that you have a few comparable quotes and you know which company offers the lowest price for the policy you want, you still need to check out the company itself to find out whether it's reliable. You can check with your state's department of insurance, which should allow you to compare premiums for insurance companies in your state. You can also check on the financial stability of a company and look up the number of consumer complaints it has accumulated. Take a look at Weiss Ratings to get an independent rating of the companies you are considering. J.D. Power and Associates also offers useful consumer reviews of auto insurance companies. Review Your Policy Before you sign, be sure to carefully review your new policy to make sure it includes all the coverage you want. Your policy will need to comply with your state's legal requirements as well as any additional requirements of the company that finances your auto loan. Proof of Insurance Most states that require you to have auto insurance also require that you always have proof of your insurance policy in your car or in your wallet at all times. If you are stopped by the police and you are not able to show proof of auto insurance coverage, you could incur serious fines. Most insurers will issue a handy insurance ID card―one for each vehicle you have insured. Keep this card in your car's glove box along with the registration, and you'll never have to worry about forgetting it. You might even need to provide proof of insurance when you register your car; you can use the insurance ID card for this. For specific insurance coverage requirements in your state, visit our Insurance Center or choose your state below:

Car insurance

Which insurances do you need for your car in the US? One of the most surprising things about car insurance is that it isn’t mandatory in some states,
e.g. Alabama, Iowa, Mississippi, New Hampshire, Pennsylvania, etc. These states have ‘financial responsibility’
laws, requiring you to post a bond, cash deposit or approved self-insurance with the state to cover damages if you’re involved in an accident.

Motorists in states where car insurance is compulsory must provide proof of insurance at the time of vehicle registration and may be required to carry it in their vehicles at all times. Buying car insurance is more complicated in the US than in most other countries and may include the following types of cover: Liability Insurance Liability insurance includes bodily injury liability, i.e. injuries you cause to someone else, and property damage liability, which is damage caused to someone else’s property, including other vehicles. In most states, liability motor insurance is compulsory, although it doesn’t necessarily include unlimited liability. Most states have laws setting minimum levels for liability insurance, but these are usually woefully inadequate. ‘Responsibility’ limits are set by each state for death or injury to one person, death or injury to more than one person, and property damage in excess of a certain amount. If your liability after an accident exceeds your amount of insurance and you have personal assets, these are used to pay damages, if necessary, until you’re bankrupt. Lawsuits often run into millions of dollars and litigation lawyers are among the richest legal vultures. Liability limits can usually be raised significantly for a modest extra premium. To protect yourself against astronomical damages, you can also take out a personal liability umbrella policy which increases your liability limits to a level that covers almost any event. No-fault Insurance Around 25 states and the District of Columbia have some form of Personal Injury Protection (PIP) or no-fault insurance law. This means that if you’re involved in an accident, you can claim (up to certain limits) from your own insurance company for personal injury sustained in an accident, rather than go to court and try to prove that the other party was at fault. In states without a no-fault law, the victim files a claim against the other driver, irrespective of whether or not the driver is insured, and is paid only if it can be proved that the other driver was responsible for the accident. If you weren’t to blame and can prove it through witnesses or a police prosecution of the other driver, make sure your insurance company is informed, or you may lose your good driver (no-claims) discount. Where applicable, PIP insurance is usually compulsory and covers bodily injury only and not vehicle damage. Those insured under PIP insurance receive prompt payment from their own insurance company, but their right to sue for general damages is usually restricted. Motorists insured in states with liability laws should ensure that their insurance covers them when travelling in states with no-fault laws. Most insurance companies automatically extend their policies to cover states with no-fault laws. PIP cover may duplicate insurance provided by health or disability insurance policies. PIP insurance provides benefits for medical and hospital costs (the level depends on your policy), plus lost wages or income continuation, replacement/essential services, survivors’ loss/death benefit, and funeral expenses. Lost wages and replacement services are payable up to a maximum amount for maximum periods. PIP Medical Expenses Insurance It’s possible to buy Personal Injury Protection cover for medical expenses only. PIP medical expenses pays the medical expenses of anyone injured when travelling in your car, irrespective of fault. Depending on your policy, it may also pay your medical bills when you or your family members are travelling in someone else’s car, or if you’re hit by a car while walking. Unlike other health policies, the medical payments part of a vehicle policy pays for all medical expenses incurred, without excesses (deductibles) or co-payments (called ‘first dollar coverage’). If you have comprehensive health insurance, you may not require this protection, although it also covers anyone travelling in your car. In some states, you can choose your PIP health insurance provider, who can be someone other than your car insurance company, e.g. your employer’s health insurance company. Catastrophic Medical Expenses Insurance Some insurance companies offer catastrophic medical expenses cover, protecting you against abnormally high medical bills. Whether or not you have this type of insurance depends on the level of your health insurance. If it has limitations, you’re advised to have catastrophic medical expenses cover. Uninsured Motorist Insurance To protect yourself against accidents with uninsured motorists and hit-and-run accidents (whether driving or walking), you should have uninsured motorist insurance. Uninsured motorist laws have been enacted in many states, requiring insurance companies to include in their basic policy cover against damage caused by motorists who aren’t insured. Uninsured motorist cover is usually equal to the minimum financial responsibility limits set by a state and is compulsory in some states. If you have collision insurance, you usually don’t need uninsured motorist insurance. In many states, the penalties for driving without insurance are derisory, and there may be no penalty at all unless you have an accident. However, when the paltry financial penalties are compared with the often high insurance premiums, it’s hardly surprising that there are so many uninsured motorists. If you have an accident involving another vehicle, the chances of the driver being uninsured are extremely high in some cities, so it’s important to calculate the financial consequences of an accident involving an uninsured motorist. Under-insured Motorist Insurance This is similar to uninsured motorist cover and covers you when another motorist is responsible, but has insufficient insurance to cover the injuries or damage to property (although, if he has sufficient assets, you can still sue him). Collision Insurance Collision cover is for damage caused by you to your own vehicle, irrespective of who was responsible for the damage. Collision cover usually has an excess (deductible); the higher the excess, the lower your premium. Whether it’s necessary (or wise) to have collision cover usually depends on the value of your car. Collision and comprehensive cover are usually required by a car loan or a leasing company. With collision insurance, you usually don’t need uninsured motorist insurance. Comprehensive Insurance Comprehensive cover is for loss of the vehicle resulting from fire, theft, vandalism, collisions with animals, storms, floods, riots, explosions, earthquakes, falling objects, plus accidental glass breakage, e.g. from a stone thrown up by another vehicle. It doesn’t cover you against accidents involving other vehicles or objects, for which you require collision cover. Comprehensive cover usually has a lower excess than collision cover. Miscellaneous Extra Insurance This insures you against a wide range of costs, including a rental car when your car is being repaired, and towing and labour in the event of an accident or breakdown (also provided by automobile clubs). If you frequently use rented cars, you may be interested in a policy that includes collision damage waiver (CDW) for rented cars, which may also be provided free by a credit card. Premiums Insurance premiums are high, particularly for men under 27 and those who live in inner cities, where driving conditions are more hazardous and where car theft is endemic. Many factors influence the cost of car insurance, including: The make and type of car (and how expensive it is to repair); The type of insurance cover required; The age and value of the car; Your age, sex (some companies offer a discount to women drivers) and occupation; What you use your car for (e.g. business or pleasure); Your driving experience and driving record; Your accident record and no-claims bonus (good-driver discount); Who will drive the car; Your health (you may be required to pay an excess if you suffer from epilepsy or diabetes); Where you live and whether your car is stored in a locked garage overnight; The number of miles you do each year; Any extras required, such as a rented car when your car’s being repaired after an accident. Shop around a number of insurance companies, as rates can vary by up to 400 per cent. Among the largest US car insurers are State Farm, Allstate, Farmers and Nationwide. State Farm is a mutual insurance company and customers sometimes receive a refund from excess profits. You should ask your family, friends and colleagues for their advice regarding car insurance, although you should also make your own comparisons. Some ways to reduce your insurance are to: Make comparisons - shop ’til you drop! Insure your car with your household insurance company, which may yield a discount of 5 to 10 per cent. Take advantage of insurer’s discounts, usually 5 or 10 per cent of the premium. Most insurance companies offer discounts for cars fitted with air bags, automatic seat belts, anti-theft devices or anti-lock brakes. Many also provide low-mileage discounts and discounts for more than one car, no claims (good-driver discounts, e.g. if you make no insurance claims in three years), drivers aged over 50 or 55, driver training courses (e.g. defensive-driving), and even good student grades (are diligent students safer drivers?). Drivers aged over 65 can complete a ‘mature driving course’ in some states, guaranteeing them a three-year discount on their insurance premiums. Don’t get uninsured motorist cover unless required by state law. If you’re hit or injured by an uninsured motorist, repair and medical bills are covered by your collision insurance (provided you have it!), PIP cover and other medical insurance. Drop your reimbursement for a rented car. If you’re a two-car (or more) family, you may be able to do without a rented car while one car is being serviced or repaired. Insurance companies have limits on what they pay for a rented car. If you have an employee hospitalisation plan, you could drop your car insurance medical payments, which duplicates medical insurance you already have. Drop the emergency towing service, which you probably don’t need unless you have an old car susceptible to breakdowns. Insurers often limit what they provide for a tow, which is too little anyway. Join the AAA or another automobile club providing an emergency towing service. If your car isn’t a status symbol, consider buying a ‘low profile’ car with a low insurance rating and, if you’re considering a house move, choose a low insurance area. One thing not to do in order to save money on car insurance is reduce your liability limits! There’s no correlation between the premium you pay and the quality of service you receive, so paying a high premium doesn’t guarantee the best service. Some 25 states publish information comparing the insurance rates of different companies. For information contact your state insurance regulator. Premiums can be increased at renewal time, which is likely if you’ve made any claims in that period. Many insurance companies allow premiums to be paid in instalments, e.g. quarterly or monthly. When completing your insurance proposal form, make sure that you state any previous accidents or driving offences; otherwise your insurer can refuse to pay out in the event of a claim. Drivers who have been banned for drunk or dangerous driving must usually pay at least double the standard premium for three years (even penalty points on your licence increases your premium). Your insurance company may cancel your policy if you’re found guilty of drunk driving, speeding or recklessness resulting in injury or death. For general information on car insurance contact the Insurance Information Institute, 110 William Street, Floor 24, New York, NY 10038 (212-346-5500