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Insurance

Auto Insurance - Car insurance protects you and your family financially if you ever have an accident in your car. You have a contractual agreement with your car insurance company. If you pay the premium you agree to in a timely manner, the car insurance company will cover your losses in the event of an accident. Most states require that you carry car insurance in order to drive a vehicle of any type.

Health Insurance - Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid. Typically, indemnity plans offer a broader selection of healthcare providers than managed care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company). There are several different types of managed-care health insurance plans. These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks.

Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Dental Discount Cards provide you with a great way to save money on your dental care needs. As a cardholder, you'll enjoy discounts of up to 60% with a national network of leading dental care providers. Getting your Dental Discount Card is easy. There is no lengthy approval process. No medical exams are required. You don't have to provide information or records regarding your health history. Here are some of the providers:

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Enter your ZIP code to view plan details, savings information and participating dentists for all available discount dental plans in your area.

Life insurance is a contract that binds an insurance company to compensate a beneficiary in the event of the death of the insured person. If the insured person dies, the insurance company will pay a cash benefit to the beneficiary (typically a family member). Life insurance is often used to protect a family against the economic hardship that could result from the death of a primary income-earner.

Term life insurance is a specific type of life insurance, which has become very popular in recent years. Term life insurance provides protection for a specified period of time, typically 5, 10, 15, 20, 25 or 30 years (this is called the coverage term). The person to be insured selects the coverage term, and a death benefit is paid to the beneficiary (or beneficiaries) if the insured dies while the policy is still in force. Term life insurance works well for people who need coverage for only a specific period of time. For example, when a child is born, a parent may take out a 20 or 25-year term life policy to ensure that in the event of their death, the child will be provided for through his or her college years.

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Insurance legislation OK'd by the Florida Legislature and awaiting the governor's signature would raise rates. (Miami Herald)
With the official start of the 2009 hurricane season only three weeks away, Florida property owners can anticipate higher homeowners insurance rates.

Youth is no guarantee of health insurance coverage (Bucks County Courier Times)
Last year an estimated 18 million U.S. workers bought health insurance through the individual market. Studies suggest that some insurers reject at least 10 percent of applicants.

MarketScout Features Insurance Industry Leaders at Entrepreneurial Insurance Symposium (PRWeb)
On September 15 and 16, MarketScout will host industry leaders in innovation at the 2009 Entrepreneurial Insurance Symposium. Speakers will focus on the changing landscape in the industry and the strategies insurance leaders are using to steer their companies to success. (PRWeb May 10, 2009) Read the full story at http://www.prweb.com/releases/Entrepreneurial/Symposium/prweb2404234.htm

A gap in the health-insurance lifeline (Richmond Times-Dispatch)
Virginians who have lost their jobs in a wave of layoffs since September have a new lifeline for health insurance, but only if their former employers still have health plans and know about the obligation to offer continuing coverage. The federal stimulus package adopted in February will pay 65 percent of healthinsurance premiums for laid-off workers for up to nine months, while a newly adopted ...

GCC insurance facing shortage of skilled manpower (Zawya)
10 May 2009 Growing numbers of Islamic insurance (Takaful) companies and the entry of multinational insurers and brokers in the region's insurance sector has increased poaching for qualified staff, said an insurance expert.

State revamps kids' insurance (Daytona Beach News-Journal)
DAYTONA BEACH -- With more than 5,000 local children dropping out of the state's health insurance program over the past six years, officials say new legislation will help more children get the care they need.

Man to repay $3K in insurance fraud (Courier-Post)
A Camden County man has received a two-year probationary term for trying to steal more than $68,000 in insurance benefits.

Hamilton County: Insurance issues color county budget hearings (Chattanooga Times Free Press)
As Hamilton County department heads presented their budget proposals, county commissioners were scratching their heads as to why health insurance costs for some were coming down.

Insurance company changes position on Reno girl (AP via Yahoo! Finance)
After publicity over the case, an insurance company said Saturday it's now hopeful of reaching a deal that would spare a 5-year-old Reno girl with leukemia from weekly trips to Oakland, Calif., for chemotherapy treatments.

Source: eHealthInsurance.com