Insurance

1. Funeral Planning 101 reports that a popular way of funding funeral expenses is the purchase of life insurance. Burial and funeral insurance can be purchased through an insurance broker or funeral director to cover expenses, such as embalming, flowers, cosmetology and the purchase of a grave marker.

Purchase

2. The U.S. Funerals Online website explains that each state has its own rules and regulations about the sale and purchase of funeral and burial insurance. Policies are often sold as term insurance agreements covering a stipulated period of time, either three, five or 10 years.

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Travel insurance carriers frequently provide travel tips and advice on their websites.  Seven Corners recently wrote a story with suggestions of how to avoid having a bad vacation.  The following is an excerpt from the story.

1. Inform a friend in town of your trip and ask them to check up on the house every so often.  Leaving an empty house can become worrisome, especially if your oldest daughter decided it was a good idea to tweet about how worried you are about forgetting to double check whether or not the window on the side of the house was locked before you left for your two week long family vacation.
2. Make sure your family is updated on vaccinations required to traveling.  Measles, Dysentery, typhoid fever, and Cholera can happen to you in real life — not just to your character and his companions who are deciding whether they should caulk the wagon and float it or to just hire a guide to assist in crossing the river safely.
3. Arrive at the airport early.  Many factors including parking, security, and long lines contribute to airport congestion.  Plus, you’ll have a bigger window of time to rush back to the house once you’ve realized you left Macaulay Culkin home alone.
4. Learn a few simple phrases from the native language in the foreign country.  You don’t realize how frustrating it is trying to ask someone of a different language where the restroom is– especially when time is a limiting factor…
5. Take caution of what you are eating or drinking in another country.  Bottled water and fully cooked foods along with frequently used hand sanitizer can prevent the exact situation where following tip #4 becomes a life and death scenario.

1. firma contract 20309 image by pablo from Fotolia.com  Florida regulates life settlement contracts to protect consumers and investors. Life settlements date back to the 1980s, when they were known as viaticals. Viatical settlement companies brokered the sale of life insurance policies from terminally ill consumers to investors. Viaticals were particularly popular among AIDS patients who would sell life insurance policies for less than they were worth so that they could pay for expensive treatments and live longer.

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Up to nine million drivers could be missing out on substantial savings by automatically renewing their car insurance with their existing provider. Failing to investigate if you can find cheaper cover elsewhere could cost you dearly. According to new research by moneysupermarket.com, motorists can typically save £233 a year by scouring the market for a better deal – that’s nearly £100 more compared with last year.

Yet despite the savings they could make, more than three and a half million motorists admit that they ‘can’t be bothered’ to look for cheaper insurance. M

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You’d think that after the last 6 posts on the pawsome changes to our policies in our move to RLI (see Embrace has a new insurance partner – A+ rated RLI Corp), I’d have exhausted the list by now but there’s still more:

• you can now get a policy for a 6 week old pet and up (used to be 8 weeks)
• we have new deductibles, including a $1,000 a year deductible. The premiums on these sweet policies are really really low
• and did I mention we cover prescription diet cat and dog food in our Wellness Rewards Plus plan, as well as gastropexy, OFA and PennHIP x-rays, and umbilical cord repair?

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