High Risk Property Insurance



Balanced View on Everest Re – Analyst Blog (Zacks)
On May 30, 2014, we issued an updated research report on the Everest Re Group Ltd. (RE).


The Dangers of Combustible Dust – PropertyCasualty360
PropertyCasualty360The Dangers of Combustible DustPropertyCasualty360Proper grounding of in-house electrical systems, equipment, forklifts, high-reach equipment, vacuums, extension cords and lighting is mandatory under the National Fire Protection Association (NFPA) 654 Standard. With certain combustible dusts, such as …


Endurance Responds to Aspen's Combative Position on Exchange Offer, Confirming Importance of Giving Aspen Shareholders …
Endurance’s Proposal Provides Compelling Value to Aspen Shareholders PEMBROKE, Bermuda, June 17, 2014 – Endurance Specialty Holdings Ltd. (“Endurance”) (NYSE:ENH – News) today said that Aspen Insurance Holdings Limited’s (“Aspen”) (NYSE:AHL – News) combative response to the commencement of an exchange offer by Endurance confirms the importance of the actions it is taking to give Aspen …


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Questions and Answers
Property Insurance?We are purchasing a property, and have to get insurance for it.What are some of the things an adjuster would look at?Wiring? Fire hazards, leaks?What exactly and in particular are they going to check and if need make us fix before insuring us.This is a motorcycle shop/fireplaces/antique shop/apartment.Thanks!
Posted by Holly G


[display_name id=”1″]Two things will stick out to the insurance companies: age and usage.Age (20+ years old) will trigger inspections for:Electric – modern three strand wiring with circuit breakers all up to code
Smoke & security alarms and other safety features inspected and up to code
Updated plumbing
Updated HVAC
Updated Roof
General good repair of entire building, surrounding area and sidewalks
Sprinklers ? This would be a plus.
Show that these issues have been addressed and an insurer will more likely think of the building as a functional rehab, not a piece of history.Any building older than 40 years will have the above issues PLUS you’ll have to discuss actual cash value or functional replacement vs replacement cost on the policy.Usage is another onion to peel. Mixed usage is considered high risk, mixed commercial & residential is considered high risk. Actually ALL the usages you listed are special coverages. Finding an insurer who’ll cover them all is going to be a challenge. I hope you have a good relationship with a local independent agent. Good luck.
No flood insurance?I just read of the flooding in Houston County, Minnesota, where one couple’s retirement home was swept away by a mudslide. They had no insurance because it’s only available from FEMA and only if they had lived in a flood zone, which they didn’t.
That reeks!
Posted by felines


[display_name id=”1″]Actually, EVERY property is in a “flood zone” and flood insurance, which is available through a Federal program, is available to EVERYONE.The fact is, most people assume that they don’t need flood insurance if they don’t consider themselves to be in a high-risk flood zone. (This does not mean that they are not IN a flood zone.) I live in the mountains and when I mention flood insurance, the typical response is that the world would have to be under water before the rivers would rise high enough to get to them.But, as the people you’ve described have discovered, there are other possible problems besides rising water. And buildings perched on mountainsides are actually quite likely to fall victim to mudslides, or flash flooding from the water pouring down the side of the mountain.I always try to explain that to my clients, but few people want to hear it. And when the worst happens, it’s someone else’s fault, naturally.The truth is, flood insurance can be VERY expensive for those in high-risk areas; however, it can also be extremely cheap for those who aren’t considered to be in high-risk areas. That’s just the nature of the beast — but I assure you, it IS available to anyone in the US.
Question regarding flood insurance?My property is soon to be changed to a flood zone. In speaking with some of my neighbors they advised me that I should quickly get insurance before December 13th as the rate after that date would be much higher. They also advised me that by having this in place before being added into a flood zone that I could pass any such flooding policy on should we decide to sell the property.That is the part that didnt make sense to me. The insurance rep I called told me that any flood policy was basically only for whose name is on the policy which made sense to me. However, a couple of my neighbors are still saying that isnt true. I figure there must be some kind of middle ground for a number of people to hold this assumption. Perhaps what is being passed along is that map that has to be pulled for a flood policy? What is it that I am missing whether you can or cant pass along a flood insurance policy to a new owner somewhere down the road?
Posted by tm4ever


[display_name id=”1″]Let’s clarify. Every property on earth, is in a flood zone. Some are high risk, some are very, very, very low risk. So you’re property is being changed to a HIGHER risk flood zone.Locking in rates is a bit tricky. Flood zones get changed regularly, but the time between a flood map being changed, and it affecting your rates, can be 18 months. “Grandfathering” in, is based on the requirements in force at the time your house was built. Rates are set by FEMA, and change once a year – in April, if I remember correctly.Technically, ANY flood insurance policy is transferrable to a new owner, but it’s a PITB to do it, so it’s usually easier to just have the new owner buy their own policy. Agents don’t like to do it, because it’s not easy, not fun. And maybe the insurance rep you talked to, didn’t realize that flood insurance IS transferrable. No other kind of insurance policy is transferrable like that.Several issues you need to worry about – Congress has to AUTHORIZE the flood insurance plan. There was a lapse period when there WAS no flood insurance you could buy, this spring, in the USA, and what we have right now is a TEMPORARY extension. IF your property is remapped a high hazard flood zone, AND you have a mortgage, your mortgage company will be spitting kittens to make you buy flood insurance, OR, charge you through the whazoo for their coverage (which will never pay to fix your house). And when you buy flood insurance – it doesn’t cover “stuff” you store in your basement below flood level, and it takes 30 days after you pay for it, before coverage starts.**It’s not true, that it’s up to the individual insurance company. All the rules & regs are governed by FEMA, and the National Flood Insurance Plan. They set the rates, they set the rules, and there’s no one else selling flood in the USA. And it’s also not true that you can’t get a loan on a house in a hundred year flood zone. Those houses sell ALL THE TIME.**
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in HIGH RISK HOME INSURANCE by admin | June 19, 2014 |
Life Insurance for Diabetics



XL Group plc (XL): New Analyst Report from Zacks Equity Research – Zacks Equity Research Report (Zacks)
XL Group’s first quarter earnings per share surpassed the Zacks Consensus Estimate. The bottom line however declined year over year due to lower underwriting profit.


Life Insurance for Seniors Who Have Diabetes – Completeinsurancequotes.com … – DigitalJournal.com
Life Insurance for Seniors Who Have Diabetes – Completeinsurancequotes.com …DigitalJournal.comSeniors who have been diagnosed with a terminal disease such as diabetes can still find affordable life insurance. In recent years, there have been several improvements in the insurance industry so that more clients could qualify for a plan. Diabetics …and more »


Addiction specialists emphasize importance of proper treatment
Area addiction specialists say there is a need for some types of drug treatment and changes to the amount of time that clients spend in …


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Questions and Answers
How can I preclude life insurance blacklisting with Diabetes II?I have a case of Type II Diabetes and I have found that qualification for life insurance requires a blood test. Based on blood testing, companies will charge much more if a person has Type II Diabetes. I was wondering if there is some way to fool the company to make them believe that I am normal. Perhaps I could work out just before the test?
Posted by Mark P


[display_name id=”1″]My wife has worked for several life insurance companies and worked for one for 23 years. She’s now in surety bonds but keeps in touch with many people in the industry.First off, if you lie on the application, you void the coverage. A life insurance application will ask about Diabetes. You won’t fool anyone but yourself. Second, the blood test won’t show Diabetes if you are in control on your blood glucose. Third, for many companies, you authorize them to obtain your medical records and many of those are held by your health insurance company and they are very willing to share authorized requests for data, most are interrelated in one way or another, owned by same parent company, using the same re-insurance company, etc. So its beneficial for all insurance companies to keep claims down.
There are some insurance companies that realize that in-control Diabetics live a healthier life than most other people and are beginning to price their policies accordingly and at least bringing them down to close to the same costs as a non-diabetic person. Shop around and find one of those companies. Get copies of your last few years A1C scores and show them that you are in control and therefore a good risk. This way, you’ve been up-front and honest and they can’t void your coverage for insurance fraud.


My husband needs life insurance but has diabeties?My husband needs life insurance about 50,000 but want payments cheap payments 40.00 monthly. We been trying to find some life insurance but some dont take with diabeties. My husband doesnt take insulin. Hes ranging about 100 to 180 every month on sugar level.. Any ideas on life insurance we should quilified!!!
Posted by Debbie G


[display_name id=”1″]One type of life insurance available is life insurance without a medical exam.Even people on medication may qualify for this coverage. Policies are avilable for up to $150,000 of coverage.
You answer a few questions online and find out within 15 minutes if you qualify for coverage. The life insurance is offered through a financially secure insurer rated “A” Excellent by A.M. Best for financial strength.


You can request a free, no obligation quote at – Http://www.rbcexpressterm.com/partners/d…


I hope that helps you find affordable, quality life insurance for your diabetic husband. Best of luck to you.


Life insurance & diabetes?I was diagnosed with gestational diabetes during my second pregnancy. The only abnormal blood sugar readings I ever got were during the glucose tolerance test itself, and I never required insulin.I have now given birth and would like to look into increasing my life insurance. Despite having no problems with my blood sugar (then or now), I am worried that the insurance company either won’t insure me or will make me pay a higher rate because of the previous GD diagnosis. Anyone have experience with this? Am I right to be worried about this?
Posted by Jennifer


[display_name id=”1″]You should have no problems increasing your level of coverage as you are NOT a diagnosed diabetic, yet!! GD happens and may return to haunt you in later life. But it is not a problem right now.And since the only abnormal reading was while drinking their ickyade that could gag a cockroach, you really didn’t have GD anyway.
Go get the insurance increased while you can!


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in HIGH RISK LIFE INSURANCE by admin | June 19, 2014 |
Affordable High Risk Life Insurance



Guest: Medicare should cover low-dose CT screening for lung cancer – The Seattle Times
Guest: Medicare should cover low-dose CT screening for lung cancerThe Seattle TimesLUNG-cancer screening with low-dose CT scans could save up to 18,000 lives annually among those at high risk for the disease. But in late April, … All private health-insurance plans are required by the Affordable Care Act to cover it in 2015. So why …and more »


A.M. Best Affirms Torchmark Ratings & Outlook
A.M.Best reiterates the investment grade ratings of Torchmark (TMK), keeps stable outlook.


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Questions and Answers
Life insurance on an ailing parent? How do I take out a policy on my mother?I’m the sole caretaker of my ailing mother, I have no siblings, just a husband, a 4 y/o and a baby on the way. My mother and I have been talking and she needs life insurance. I take care of everything with the household, bills, etc….but I’m kinda unsure what to do about life insurance. Right now I’m about to get power of attorney over everything but I’m inexperienced about the life insurance thing. What are some good companies to go with? What kind do I get? I think she had life insurance when she was working about 5-6 years ago but she has no clue what happened to it..so I’m taking matters into my own hands. Help? She has ALS (Lou Gehrigs).
Actually, I do know for SURE that taking out a policy on a parent is not illegal, you may just be required to prove “insurable interest”. Ok, I hope someone else has something intelligent to say, I really need help.
Posted by MelB


[display_name id=”1″]Your mom is going to have a hard time getting life insurance in her circumstances. Others have already explained how you’d go about getting a high-risk policy (with the expensive premiums and limitations on benefits). “Affordable” life insurance will be virtually impossible for her.The policy your mom had through her employer no longer exists. It would have only been good as long as she was still working at that employer. (Exception being if there was a conversion option, and your mom had been paying premiums since then. Since she “doesn’t know what happened to it,” I’m assuming that means she hasn’t been paying premiums on her own all this time.)
Unfortunately, your mom should have thought of this years ago while she was still healthy (and younger).


Hopefully you and your husband learn from your mother’s mistake, and make sure that you purchase life insurance now while you’re still young and healthy. The older you get and/or if you get sick, the more likely you’ll get stuck with higher premiums, limited benefit policies, or not be able to get a policy at all.


My husband and I have separate policies in addition to the coverage we get through our employers, so that we know there is still coverage available to us even if/when we leave our current employers. You and your husband should definitely do the same thing…especially since you have young children. If something happened to one of you, the surviving spouse would need the financial assistance to continue providing for your children.


Car Insurance for Teenage Boy?I’m looking at cars and wondering what the average car insurance for a 16 year old boy is. I know mustangs and sports cars are higher, but how much higher than a truck. And does insurance go down over time without accidents?
Posted by Reed


[display_name id=”1″]Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.
Factors you CAN’T change that impact your auto insurance rates:


Your age
Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.
Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.
Marital Status
Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.
Factors you CAN change that impact your auto insurance rates


Where you live matters. For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.
Driving violations
Speeding tickets, running red lights, failure to yield, etc. All count toward your auto insurance rate.
Your vehicle
If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.
Accident claims
While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.
Credit rating
That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.
A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!
Other factors that go into determining premiums:


Miles driven per year
Distance to work
Years of driving experience
Business use of the vehicle
Whether or not you currently have auto insurance
Theft protection devices (often results in discounts)
Multiple cars and drivers (another opportunity for discounts)
It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.


Advice on Insurance policys?What policy’s is best for someone in full time work – single – no kids -No debt.- rented Accommodation – in 30s How would you list these policy’s of being important. There maybe a policy missed out if so please send me some advice..
Private Health Insurance
Income Protection
Life Insurance
Accident, sickness and unemployment
Private Pension
Critical Illness Insurance.
Posted by nightowl955


[display_name id=”1″]First, you definitely need health insurance. Having health insurance helps keep you healthy. Second, I would recommend getting whole life insurance to pay for your funeral and final expenses. The cost of funeral and final expenses can run to about 15,000-20,000 USD. A pension and/or annuity for retirement would help you put money away for your retirement. I don’t see a need for income protection or accident/sickness protection, because they are needed if you have dependents. Critical illness insurance, or cancer insurance is not necessary, unless you have a family history, and are concerned about the need down the road.Regarding health insurance: found the following article, thought I’d include the following–
“3 Reasons You Shouldn’t Risk Forgoing Health Insurance


Submitted by: susan wells 10/18/2012 9:59 AM


Let’s face the facts – if your employer doesn’t sponsor your health insurance, then health insurance coverage, for most of us, is exorbitantly expensive. If you’re relatively young and in good health, you may skip out on health insurance simply because you feel as though you don’t need it. After all, health insurance can cost hundreds if not thousands of dollars a year, and maybe you don’t even use it. You may be thinking, what’s the point? There are several compelling reasons for nonetheless getting yourself insured even if you are. Here are a few:


You never know when you’ll be struck by a serious disease or accident.
This is the most important reason that you should you get health insurance NOW. No matter how healthy you are, an accident or serious illness is really only a stone’s throw away. Maybe you’re thinking that you haven’t had problems so far, so what’s the point? Recently, The New York Times published a wonderful op-ed that shows what can happen if you forgo health insurance just because you’ve never been sick before and don’t think you need it. Even minor and treatable accidents or illnesses can result in thousands of dollars in hospital and medical bills, which can threaten to ruin you financially.


It’s more affordable than you think it is.
I know I mentioned earlier that health insurance is exorbitantly expensive. Of course, it can be quite pricey, but it doesn’t have to be, especially if you are healthy. The best way to get affordable insurance is to do some research. Buy an individual plan with a high deductible to make your monthly premiums cheaper. The Wall Street Journal offers some excellent tips on buying affordable insurance as an individual.


It’s the responsible thing to do.
Last but not least, buying health insurance is the responsible thing to do. Not only will it protect your immediate family from devastating financial loss in the event that you get very sick, but think about it for a second. If you do get sick and do not have the money to pay for your bills, health insurance premiums go up for everyone else. Of course, it won’t be you individually who causes these hikes in health insurance, but when those who are uninsured and become very sick, it all adds up. As Dr. Cecil Wilson notes in a KevinMD.com op-ed:
“This resulting cost shift is known as the “hidden health tax,” and it is estimated to add about $1,000 a year to the cost of every American family’s health coverage. These are staggering costs, and they are not sustainable.”


Do the right thing, the wise thing, and get health insurance. The longer you wait, the greater the risk you’re taking. And it’s not just you who’s taking the risk. You’re taking it for everyone else as well. Good luck!


Susan Wells is a freelance writer and former insurance agent. Check out more of her advice on buying health, auto, and home insurance at www.insurancequotes.org.”


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in HIGH RISK LIFE INSURANCE by admin | June 10, 2014 |
High Risk Auto Insurance Rates



General Auto Insurance Quotes Tool Now Finds Prices for Drivers Statewide at … – Insurance News Net
General Auto Insurance Quotes Tool Now Finds Prices for Drivers Statewide at …Insurance News NetThis new concept is designed to shorten any private exploration by car owners when evaluating different prices for vehicle insurance costs. The general policies that are available include liability, full coverage, non owner and high risk plans. The …


Clements Worldwide Partners with Volvo Cars to Develop Exclusive Auto Insurance Program for Expats, Diplomats and the …
Expatriate, diplomatic and military customers based outside of their home country gain convenience, savings and key advantages with new, customized Clements coverage. (PRWeb May 14, 2014) Read the full story at Http://www.prweb.com/releases/2014/05/pr…


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Questions and Answers
Auto Insurance?I am 18 years old and I am trying to buy insurance for my car. I noticed that the prices for insurance are really high for teen drivers. I was just wondering if my parents could buy the insurance under their name so the payments can be cheaper or does the policy have to be under my name.
My car is registered under both my father and my name.
Posted by chivista90


[display_name id=”1″]If you still reside at home with your parents they should be able to add you to their policy. You may can be added to their policy even if you are not living at home. You parents should call their auto insurance company and find out. This should save you money on auto insurance. However, we have found that being added to a policy doesn’t always save money on insurance cost. You should have you parents call and see what it would cost you monthly to be added to their policy. You should also get quotes on your own as well. Young drivers are considered high risk to insurance companies and usually have to pay more for insurance rates than older more experienced drivers. However, if you do your homework and shop for multiple quotes, seek discounts and find the best coverages you can find some good deals out there. The key is shopping multiple companies. You may also consider taking a defensive driving class. You can now take these at home. First see how much the class would cost and how much it would save you before buying it. However, this class is designed to make you a safer driver and teaches you the importance of safety. Once you find a policy keep paying it on time, maintain coverage and avoid lapses in your coverage. Your rates will come down over time and you will be able to enjoy great rates.
Home & Auto Insurance Rip-Off?My home & Auto insurance has doubled thisyear. I called today to ask why as I had no claims or tickets. The reason I was told was the new way that rates are based. My agent said that your credit score is now used in the calculation of your rate. With one credit card that I pay off in full monthly and never a late payment nor any outstanding debt i would think I should have scored high on my credit report. I feel by being fiscally responsible I am being ripped off by the insurance companies by this foolish way of rating policies. Are their any other insuance companies that still rate you the old fashioned way by your record?
Posted by smartone


[display_name id=”1″]Many insurance companies use credit scores to change rates. Only about 3 states have made the correct move in making it illegal. Yes, people with lower scores are more likely to _use_ the insurance that they paid for.. But there is no correlation between a lower score and the person’s actual _risk_. This is why those 3 states have made it illegal. The problem with the others is that enough people don’t complain about this practice that should be illegal.
Again, the increase premiums for people with lower scores because those people file more claims. No doubt about that. But it does _not_ have anything to do with the person’s increased risk.


Whats the biggest reason that auto insurance is high?Driving in minnesota – i find auto insurance is high – why might that be?
Posted by Ruth


[display_name id=”1″]Risk, pure and simple. You start with one standard rate for everyone, which is the cost divided by the number of customers. Then they look at statistical information and assign risk and higher rates to those categories that have the most claims.
Under age 25 = risk
Male, under age 25 = risk
Male, under age 25 with a sports car = very high risk
Driving record showing accidents and/or tickets, regardless of age = risk
Living in a large city = risk
Drive to work = risk


And the list goes on and on and on…


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in HIGH RISK AUTO INSURANCE by admin | June 10, 2014 |
High Risk Life Insurance Companies



Small Business Guide to Accepting Credit Cards (Centernetworks-)
Congratulations! Starting a small business is a great achievement. You’ve invested time, effort and money to make your dream come alive. You’ve turned your dream of owning a small business into a reality. Your product is ready to sell and you’re busy marketing and attracting paying customers. But, are you ignoring potential customers and leaving […]


Home Is Where The Money Is for Medicare Advantage Plans – CNBC.com
Home Is Where The Money Is for Medicare Advantage PlansCNBC.comProponents of home visits don’t deny that they generate new revenue by raising risk scores. But they point to concrete benefits for patients. Dr. Jack McCallum, a pioneer in the home health assessment field, said insurers typically can count on getting …and more »


United Life Modernizes Application Estate with Micro Focus Visual COBOL
Micro Focus , the leading provider of enterprise application modernization, testing, and management solutions, today announced that United Life Insurance Company has u.


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Questions and Answers
What insurance company is good for young drivers?I am trying to get insurance for my daughter who has just passed her test but I am finding it so expensive, I have tried adding her as a named driver on my policy but most of the ones I have tried are so expensive, I was just wondering if anyone knows any insurance companies who specialise in young drivers.
Posted by alan


[display_name id=”1″]“What insurance company is good for young drivers?”No such company exists and never has done.In recent years, many insurers have stopped offering insurance for under 25’s completely, due to the high risk. There are no insurers who specialise in young drivers any more, for the same reason. Insurance for teenagers IS very expensive – that’s just a fact of life in the 21st century. And it’s the main reason that many teenagers simply don’t drive at all…
What is life insurances?What is life insurance? What types of life insurances and what do they cover? Can you get a life insurance where after say for example 20 years nothing happens to me or my partner, they will pay back the money back? Can you get life insurances that covers the morgages repayments if i become ill or lost my job? If so, what is it called? Am new to it all please help answer as much as you can and if it helps I have a mortgage, 2 children and a partner! Based in UK.
Posted by none important


[display_name id=”1″]Life insurance is the transfer of risk from oneself to another, for a fee. For example, I go to an agent, fill out the forms and am approved for insurance, now I must pay the company each month for the coverage amount I agreed to. Should I die, my beneficiaries will collect that face amount. If I stoppaying the premiums, the insurance will also stop.Types of life ins.- Two types Term and Whole Life. 1) Term is pure insurance. You pay the premiums and the company will pay out if you die in a certain time period (term). 2) Whole life, Universal, EIUL, Variable and VUL do the same as term but add a cash account to the insurance. This is why it costs more than term.But understand that the underlying insurance is TERM, usually Annually Renewable Term, except in the case of Whole life. ART means that as you grow older, the cost of the term policy goes up. This means that less of your money goes to the cash account.What do they cover? Insurance is meant to be gotten by healthy people. The insurance company doesn’t want many sick people otherwise they would lose money by paying out claims each year.They want to limit the number of claims so that they have the most money gaining the most interest. They have rules and you must usually have a medical test done. Even if you have some health challenges they will cover, at a higher premium, some of these. They will also cover people in certain jobs or with certain hobbies but also higher premiums. Usually, the only limit on paying out is in the first two years. After that, it is all good!Return of Premium is a rider that can be attached to almost any policy. RoP is what you are talking about- have term for 20 yrs, you don’t die and the company reimburses you all your premiums without the benefit of interest. You just gave them FREE money!! This costs a little bit more.
Lose your job- this is a disability rider, again it costs a little bit more for adding this. It will cover the cost of premiums after certain conditions are met- usually out of work or disabled for at least six months, then the company pays your premiums for you.


My recommendation is to sit down with angent who will do a complete financial check up for you and your partner. The will look at your full financial picture, ask you what you want to achieve for retirement, education goals of child(ren), show a plan to you that covers all of these questions for you. This plan should also show how much insurance you need and for how long. The person should also have a securities license to assist in setting up retirement plans, educational plans, etc.


Hope this helps. Email if you have any further questions or if I could help schedule a sit down with you.


What is risk assessment in insurance?Specially in india.
Posted by ANKUR V


[display_name id=”1″]In case of Life Insurance, risk assessment for the insurance providing company is to gauge the probability of an untimely death of the insured person. Thus a person carrying a higher probability of death is said to be risky for the insurance providing company, and hence it will charge a higher premium for such a person.
For example, if a person is a heavy smoker he faces a shorter life span, or he faces the risk of an untimely death he is risky for the insurance company.
This is risk assessment!
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in HIGH RISK AUTO INSURANCE by admin | June 10, 2014 |
Cheap Car Insurance for Bad Drivers



AAA: Nearly 1 In 5 Floridians Would Not Evacuate For A Hurricane (CBS 4 Florida)
Hurricane season begins on Sunday, but three in ten Florida residents do not make advanced preparations, according to a recent AAA Consumer Pulse™ survey.


24: LIVE ANOTHER DAY: DANIEL’S THOUGHTSTVGrapevine.comHave you ever meet an insurance agent that had to save a presidential nominee from an assassination attempt or one whose job responsibilities included preventing a nuclear bomb from detonating on U.S. Soil? No. How many car salesmen do you know …


GF7 car design could legally hit 550 mph – in the sky
Greg Brown and Dave Fawcett are working on an design that they hope will yield something we’ve spent decades waiting for – a flying jet-propelled car. A sleek cross between a business jet with a luxury automobile, the GF7 drives on electric motors while on the ground, then can extend wings and use a 3,500-lb thrust jet engine to fly to 38,000 ft (12,000 m) and speeds of 550 mph (885 km/h). The …


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Questions and Answers
Is Al-Quida a high risk group for auto insurance?
Posted by Rezxian


[display_name id=”1″]No they are not and can never be. They are notorious for blowing up people – not automobiles.
Car insurance?I got my license 2 weeks ago and I am getting a car this week. What insurance company would you recommend that I go with? Progressive, Gieco or AIG. If you have any others, feel free to throw it out there.
Posted by Saint8188


[display_name id=”1″]I hear mercury’s insurance is really really cheap (like $80 a month which is not bad at all).
But it really depends on you. You would have to ask your self “am I a good driver? Do I pay attention? Do I think I will get into a car crash someday?” If you think your a very good driver, then go with mercury because its going to save you tons of money, and you need money for gas since the gas price is servilely rising.
BUT If you think your a terrible driver and think that you will get into a car crash one day, then you should go with insurance companies like State Farm. Sure, its expensive, but when you get into a car crash, your going to be very very happy that State Farm saved your ass.
Remember, Its all about you. And make sure you think about the future. Is the gas prices going to be more expensive? Are there many bad drivers around you? Is your town safe?
Cheap car insurance?Where can i get cheap car insurance 4 a young driver on a fiat punto?? Pleasssss(in the uk)
Posted by callmebob


[display_name id=”1″]Check this out: Http://insurance-search.zxq.net
There is a few links at car insurance sites. Some sites have a bid calculator. Just look at bids and choose cheaper.
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in HIGH RISK AUTO INSURANCE by admin | June 10, 2014 |
Car Insurance for Bad Driving Record



AAA: Nearly 1 In 5 Floridians Would Not Evacuate For A Hurricane (CBS 4 Florida)
Hurricane season begins on Sunday, but three in ten Florida residents do not make advanced preparations, according to a recent AAA Consumer Pulse™ survey.


Catastrophe In Property And Financial Markets – ValueWalk
Catastrophe In Property And Financial MarketsValueWalkDriving the exchange of paper, analysts say, is an unwillingness, or inability, by banks to meet demand for cash loans, especially from smaller companies. ‘The credit transmission mechanism is … Two days later, in New York, Andy Warhol” set a new all …Financial Immolation – May 2014 – CrematoriumThe Market Oracleall 2 news articles »


Dangerous driver John Iddenden led police on terrifying chase in wrong direction round Cambridge's one-way system …
A dangerous driver led police on a frightening chase through Cambridge’s streets – driving the wrong way down two of the city’s one-way systems and narrowly missing late night revellers.


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Questions and Answers
Question about new car purchase?I’m going to a buy a new car within the next month or by the end of this one, but I don’t want to be taken advantage by those clever car salesmen. The car I want to purchase is the Lancer Evo MR, which retails at around 39,000, but I don’t know, is it possible to throw a lowball bid, say, 36,000, and just say, you will take it there and then if they throw it down to 36,000. Plus I asked how much I would end up paying out the door, but he didnt give me a direct answer. Plus he asked for a 1,000-2,000 down payment, but is that something that is supposed to cover there transactions, but in reality its money that they pocket, experience car salesmen answers, very very much welcomed! Thank you!
Posted by MXG


[display_name id=”1″]Let’s put this into its proper perspective. You want a car that is a very hot commodity. And is in limited production compared to the other Lancer models. Dealers can sell these cars all day long at sticker. And they will. So they won’t even consider a discount.
However, with car sales being way off from last year, the price of gas causing more buyers to shy away from 92 octane cars, along with winter coming on which, depending on where you live, means snow or rain and even slower sales, you may be able to get something off in a few months. But it won’t be much. Dealers would rather sit on these cars then give them away.


Now about the salesperson. He wouldn’t give you a direct answer, yet he wanted a $1000-$2000 deposit on the car? Forget him! Find another dealer and a salesman who will listen to you and with work with you. Don’t let any shyster salesman pressure you into a deal you’ll regret.


Next is financing. Have you thought about that? Is your credit hisotry strong enough for a loan that size? Have you ever financed a car before? If not, getting approved for a $40,000 car (with tax and license) will be very difficult. Lenders want to see a previous auto loan so they can gauge how responsible you are when it comes to making your monthly payments before they lend you the kind of money you want.


If you have financed before, what was the total of the loan? Did you finance a $10,000 or $15,000 car? Going from that to a $40,000 car is too high a jump. You may find problems with getting approved. And what about your entire history? How long have you been reported on the three credit bureaus? Length of history makes a difference. As does any derogatory marks, such as late pays, repos or charge offs. Those will kill your chances.


And finally, insurance! Insurance companies charge quite a premium to cover the Evo MR. They know the car will be raced. And that many owners are under 25. How’s your driving record? How old are you? That will affect the cost too.


Oh yeah, then there’s the car warranty. If you bring it in for warranty repairs, the first thing the mechanic will do is get a reading from the black box. If it shows you’ve been racing, your warranty is void and you’ll be charged for the cost of repairs.


Car insurance question?If you let someone else drive your car , and they get in an accident , what happens?
Does their insurance still cover them? Are you covered to fix your car?
I have my friend (who has had his license way longer than i have , and who i feel is a better driver than me anyways) drive my car sometimes when we go out together


is this a bad idea, and why?


Posted by bumblebeeetuna.


[display_name id=”1″]Your car your insurance covers, not theirs. If they have an accident it goes on your insurance record and you pay the increased premium. Is it a good idea? If they’re a better driver than you, probably. They’re less likely to have an accident.
When society needs money to pay for some program, who does congress love to have pay for it nowadays?As opposed to the way it was 40 or 50 years ago.
Lets take for example this so called health care reform…clearly its designed to have more destitute people get coverage, and to have people who have health problems to be able to get insured…not necessarily evil ideas. But how does congresss actually pay for these well meaning giveaways? On the backs of who do they place the burden full and square???? And on the backs of who is nothing at all is additionally added? What does this tell you who our government serves and protects???


Posted by ez f


[display_name id=”1″]As usual its paid for by the average American, every time minimum wage is raised, the price of goods and services rises to meet it, company’s are in business to make money not pay for more gov programs. Every time they raise taxes on evil company’s, that employ us they either fire workers, or pass the added cost to us the end user, like if you buy a car. If companies dont make profit, they cant expand, hiring more people. And if your mad at insurance companies making record profits, why don’t you ask your congressmen and senators to take a pay cut, and see if they can keep from laughing in your face as they give themselves another raise.
The welfare system is ruining peoples lives, the people on welfare, at least 90% have no drive to make any thing of them self, and constantly blame others fore there lack of success. The bill pasted is nothing more than retardation, if you cant afford insurance as it is, you will be fined for not buying it, employers must supply it or face fines, adding more to there cost as said before. This is in no way a federal matter, nor should it have ever been. My state has state funded healthcare for those who need it, my brother has it, he is a cancer survivor and cant have any other insurance, the state looses money on it all the time, there is no way for it to make money except more in taxes.


The only way this will make money in the feds version is we will be taxed for it for the next 4 years before they allow it to start, if something doesn’t happen and it gets pushed back for what ever BS reason were fed. This crisis was manufactured just like so many are to incite fear, so they can gain more control.


One more thing , the #1 cause of bankruptcy in America isint medical bills, its people trying to live out of there means, Not taking responsibility for there actions and not saving for emergences, like medical problems, massive car repairs, broken furnace, ect ect. I install furnaces, and Ive seen Many people go with other companys, that will charge them 1000 to 2000 more on the bid because they can use a credit card to pay.


If every one wasn’t preoccupied with reality tv and out doing the Joneses next door we wouldn’t have given the Gov a chance to become a nanny state it is today, but 40 or 50 years ago people lived with in there means, held themselves accountable for there actions, and saved for a rainy day instead of charging it, and blaming someone else for there misfortune.


Call me a greedy selfish heartless man if you like, but the “we have to do something” attitude is far from the answer, doing something that wont work is a failure. You may feel good now, but just wait, the bill is on the way.


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in HIGH RISK AUTO INSURANCE by admin | June 10, 2014 |
high risk commercial insurance



Northern Trust Corporation (NTRS): New Analyst Report from Zacks Equity Research – Zacks Equity Research Report (Zacks)
Northern Trust’s first-quarter 2014 earnings lagged the Zacks Consensus Estimate, though it was favorable compared with the prior-year quarter adjusted earnings. Quarterly results benefited from top-line growth and lower provisions.


Kidnap and the liability of businesses – Lexology (registration)
Kidnap and the liability of businessesLexology (registration)In such circumstances, conventional commercial businesses are increasingly relying on kidnap and ransom insurance to offer protection and failing to have such cover may well result in litigation from families of those held. Litigation by insured …


A.M. Best Upgrades Ratings of Liberty Bankers Life Insurance Company and Its Subsidiaries
A.M. Best has upgraded the issuer credit ratings to “bb+” from “bb” and affirmed the financial strength ratings of B of Liberty Bankers Life Insurance Company , and its wholly owned life insurance subsidiaries, The Capitol Life Insurance Company and American Benefit Life Insurance Company , together known as the Liberty Bankers Group.


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Questions and Answers
Progressive insurance?
Posted by docmcfeelgood23


[display_name id=”1″]Progressive Insurance Company, under one of the corporate names, is a national auto insurance carrier since 1937. In some states, they also write homeowners and mobile home, condominium, and commercial insurance.
Progressive is a direct marketer (internet), and also has local independent agents. The company has the largest independent agency force in the US, with over 30,000 independent agents.


Progressive writes Utra-Preferred, Preferred, Standard, and Non-Standard (high risk) auto insurance all across the US. Their goal is to be the #1 auto insurance carrier in America.


For a rate quote, contact a LOCAL independent agent.


What qualifications does a Risk Analysis in a bank need?Hi, i’m interested to work in a bank as a risk analysis. Anyone care to explain what are the qualifications needed?
And what exactly does a risk analyst do?


Posted by ianpoh_85


[display_name id=”1″]Risk analysts identify and analyse the areas of potential risk threatening the assets, earning capacity or success of organizations in the industrial, commercial or public sector. They are sometimes called risk managers.
There are high degrees of specialisation within the profession. Risk analysts may work in sales, origination, trading, marketing and private banking, specialising in:


* credit;
* market;
* operational;
* product risk;
* reputational.


Financial institutions are required to manage market and credit risks daily.


There is a growing sector called political risk analysis, where analysts forecast how safe it is to invest in regions of the world, depending on the political and economic situation.


A risk analyst’s role is to formalise the process of risk management within an organisation. This involves business decision-making and enabling the process of risk taking.


Key elements of the job include:


* managing resources wisely;
* evaluating sources of action and proposed business decisions;
* protecting the organisation’s assets and public image.


Work activities very much depend on the nature and business of the employer, but tasks typically involve:


* visiting sites to assess risks;
* conducting research to assess the severity of risk;
* conducting statistical analysis to evaluate risk;
* making recommendations to reduce/control risk, which may involve an insurance strategy, and which will protect against residual risk;
* reviewing legal documents;
* presenting ideas via reports and presentations, outlining findings and making recommendations for improvements;
* working with traders to calculate the risk associated with specific transactions;
* purchasing insurance;
* analysing a bank’s market position and running figures through complex modelling techniques to find value at risk (VAR) measurements;
* carrying out quantitative analysis;
* using financial packages and software, including portfolio management software;
* studying government legislation, which may affect a company, and advising on compliance;
* developing contingency plans to deal with emergencies;
* publishing and updating company documents as to what to do in the event of an emergency.


Why do insurance firms put your fees up after you have made a claim?When i insured my car they assessed my level of risk and i paid for cover IN ADVANCE so why do my costs go up when i claim? They have already assessed my risk, i paid against that assessment so if i had an accident that would be part of the risk for which i had already paid ?
Bardic; I know what you are saying however, Isn’t the risk assessment by its very nature gambling the odds within the risk already assessed for which i have paid in advance. Am i paying NOT to have a claim???
Alan R; Driving for 37 years only the one collision with another car, funny i am a high risk ?? Although i understand where you are coming from.
ROGER M; Of course i understand it, but that does not mean i cannot question it ? Or do you take everything on face value, i dont, especially when rip-off insurance companies and banks are involved. By the way, because i challenged the firm i got £50 off their £100 price hike ?? Not bad for an old codger>>
Posted by MYRTEL


[display_name id=”1″]You are a higher risk once you have had an accident! Insurance companies are commercial operations not charities & will exploit every opportunity to make a profit.ie 100% loadings on high-risk drivers,young drivers,high risk occupations such as publicans,sports & show biz people,scrap metal dealers & turf accountants!
Risk is based on the likelihood of another claim being made before the premium renewal date!
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in HIGH RISK BUSINESS INSURANCE by admin | June 10, 2014 |
business risk insurance



Fitch: Senate Moves Boost Prospects for TRIPRA Renewal (Hispanic Business)
NEW YORK–(BUSINESS WIRE)– The passage of a bill similar in form to the Terrorism Risk Insurance Program Reauthorization Act of 2014 (S.2244), that the Senate Banking Committee approved yesterday, would …


Communication is key to successful risk management: PRIMA speaker – Business Insurance
Communication is key to successful risk management: PRIMA speakerBusiness InsuranceSubscribe to Business Insurance. LONG BEACH, Calif. — Clear and honest communication is the underpinning of successful risk management, one of the speakers at the Public Risk Management Association’s 2014 Annual Conference said Monday.


RPX Selects CRC to Distribute "A" Rated Patent Insurance Service
SAN FRANCISCO, June 10, 2014 /PRNewswire/ — RPX Corporation (RPXC), the leading provider of patent risk management solutions, today announced that CRC Insurance Services will act as broker for its recently launched insurance service using a select group of brokers from CRC’s network across the United States. RPX Insurance Services, LLP, as a coverholder for Lloyd’s (AM Best rated “A …


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Questions and Answers
Where can I find life insurance for people with mental disorders?When people have high risk health issues or challenges it is often hard to find reasonable life insurance policies, I have a relative with a mental illness, but other wise healthy do you know of any insurance companies with such help?
Posted by squirt5@att.net


[display_name id=”1″]Insurance companies, particularly life insurance companies, aren’t in business for charity, they’re in it to make money. People with potentially fatal conditions are not good risks. My question to you, is, why do the insurance companies have to know what’s going on with your relative?
General Liability Business Insurance?I am opening a Roadside Assistance company and I need $1.000.000 liability insurance. What insurance companies should I use and how much would the payments be?
Posted by Bogdan W


[display_name id=”1″]You can’t get business insurance directly, you need to use an agent. Since you’re working on cars, you’ll need a “garage liability” policy, even if you don’t own a garage. If you have a towtruck, it can get pretty pricey – five figures.
Bottom line – to get an accurate quote, you’ll need to contact a local independent agent. The first few years, your policy will PROBABLY be through your state auto fund, assigned risk plan, whatever the program is called in your state. I’d be surprised if you get any voluntary carriers to write a garage liabiltiy policy on a new venture.


What are the risks in insurance brokerage business?
Posted by muhammadahsans


[display_name id=”1″]Mishandling a client’s insurance: not suggesting insurance that he needs, misrepresenting the client to the insurer, mishandling the client’s funds, not communicating all offers for insurance, etc.
Losing insurance companies as markets. Perhaps not sending them enough business, or not the kinds they want.


Brokers can potentially get into all sorts of problems.


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in HIGH RISK BUSINESS INSURANCE by admin | June 10, 2014 |
high risk insurance company



Sun Life Financial Inc. (SLF): New Analyst Report from Zacks Equity Research – Zacks Equity Research Report (Zacks)
Sun Life Financial’s first quarter earnings grew year over year. Results reflect strong business growth, improving core earnings power and continued execution against the company’s four-pillar strategy.


Secrets of long-term care insurance – Bradenton Herald
Secrets of long-term care insuranceBradenton Herald”Do you really think a company is foolish enough to insure a high risk individual for a one year premium, of, say, $4,200, knowing they’d be on the hook to pay hundreds of thousands of dollars to the Inn at Freedom Village or Westminster to bathe …and more »


A.M. Best Affirms Ratings of MS&AD Insurance Group Holdings, Inc.’s Main Operating and U.S. Subsidiaries
A.M. Best has affirmed the financial strength rating of A+ and the issuer credit ratings of “aa” of Mitsui Sumitomo Insurance Company Limited a.


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Questions and Answers
What are some high risk auto insurance companies in Ontario?I’m applying for auto insurance on my own for the first time, I know I need high risk because I’ve had two minor accidents in the last few years. I’m just wondering if anyone has any suggestions for high risk insurers with decent or good rates?Info: 22 Year old male, 96 Hyundai Elantra 4DR.


Posted by Stephen B


[display_name id=”1″]None of the insurance companies that accept high risk drivers sell directly to the public, therefore contacting them will get you no where. You must purchase the insurance from a broker that represents them. Keep in mind the insurers that do insure high risk drivers will only accept certain types of high risk drivers. If you have more convictions than they are willing to accept, and the rules aren’t the same amongst the different insurers, then your only choice is the Facility Association, which the insurer of last resort in Ontario. Almost every broker in Ontario works with the Facility Association, so whichever broker you call should be able to quote you Facility if nothing else. The links below are to all of the insurers for high risk drivers in Ontario that I can think of. You can locate a broker closest to you from the links below and call them for a quote, however just keep in mind depending on your circumstances you may not qualify for any of these companies, but it’s a good start.
High Risk life insurance?My mother is about too be 50years old, just got done treatment for breast cancer, had a heart attack in 2002, and smokes. She has 10,00 worth of life insurance through her job but because she is my only parent and I have no other family I am interested in other insurance options, does anyone have any tips or companies that offer life insurance too someone with her history at a decent price?
Posted by tampabay5400


[display_name id=”1″]Does “decent price” mean getting good odds on whether or not she’s going to die? You’re not going to get it. High Risk doesn’t begin to describe your mother. Expect to pay at LEAST 50% of face value per year for a policy. It’s more realistic to pay 100% of face value for a paid up life policy. That’s what high risk means – really high premiums.The odds are ALWAYS going to be in the favor of the insurance company. And her odds are NOT looking good, I’m sorry to say. So she’s going to pay close to face value. It’s probably going to be more cost effective to just write you the check.
What car insurance companies might insure a high-risk teenage driver?I got in a very bad car accident last year and am looking for someone to cover me. I’m willing to pay higher rates but am wondering what companies will cover such a client.
Posted by greenwichgirl


[display_name id=”1″]They all will. But as a teen I would try to get on a parents policy as a second driver if your using their car. If your over 18 & own your car, then any insurance will be very high. All you can do is shop the rates until you get one you can deal with. But as a second option, you could simply try to do without for a little while longer. I know that’s not a good option, but insurance is such a burden. It can only get cheaper with time as your get older. If your finances are not in place to support it, then going without a car is the cheaper option.
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