COMPARE LIFE INSURANCE

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Compare Life Insurance Price

Compare Life Insurance is currently establishing itself to offer customers the opportunity to compare life insurance prices for all types of life insurance policies. In conjunction with our partners, we bring you a wide choice of life insurers for you to compare life insurance prices. We always recommend the importance of being adequately insured against risk and by comparing life insurance prices online you can make sure you are getting the best deal. Most online insurance quotes give an extra discount for buying online so it pays to do your research on the web. Always check the exemptions and exclusions of any life insurance policy.

Please use the sections below for advice and useful contact numbers if you need to contact the regulatory bodies of the insurance industry. We have also provided a section for pertinent questions that you can ask when buy car, home or travel insurance. These are generally common sense but if you have them to hand it makes you more prepared and will avoid you potentially forgetting to ask something important. These are not exhaustive lists and you may think of other points. Feel free to contact us if you think there is anything else that should be included. For further articles related to comparing insurance see Compare Health Insurance

Compare Life Insurance Policies Online

If you’re looking to compare life insurance policies over a number of insurers then you will probably already realise what a chore tracking down the right deals can be. With so many
Life insurance deals to choose from and most offering deals online it can be a consuming task reading and comparing the pros and cons of various term life deals.

Put simply Life insurance can cover a number of eventualities the most common being a lump sum payment to a beneficiary in the event of your untimely demise but life insurance can also cover a number of other scenarios and policies can and will differ between insurers. Life insurance is generally renewed on annual basis and premiums are either paid by the policy holder in the form of an annual payment or in monthly instalments split throughout the year. Premiums can also either go up or down depending on the policy holder’s current state of health and or profession or pastime. For obvious reasons if you decide to change your job from office worker to hang glide instructor an insurer is likely to mark you as higher risk of accident and therefore your life insurance premium will be banded higher accordingly. The good news is with so many insurers vying for your custom the deals on offer can be very competitive indeed its also worth noting that life insurers will quite offer further discount on the cost of a life policy when the deal is concluded online so just by buying online savings can be a good as 10% deduction on the cost of a new life insurance policy. If you’re looking to find the right deals it’s also worth trying a number of the specialist comparison websites to help finding the very cheapest and best deals. You can Compare Life Insurance Compare Wedding Insurance

General Tips & Advice for Buying Insurance

If your insurance premium is likely to exceed £1000 per year, it is worth obtaining between 8-10 quotes as you are likely to find a better deal.
Always make yourself familiar with any exclusions that apply to your policy. These could have an affect on your families future and the good money you have paid will be wasted.

Questions you should ask a potential Insurer

Car Insurance Questions

Are there any types of health risks that are not covered by this policy? If so, what are they?
Does insurance cover start immediately once I have bought my insurance policy?

Travel Insurance Questions?

Does the policy cover under 18's for free?
Is winter sports cover included free in an annual cover policy?
Can I tailor my policy to include to include Winter Sports, Golfing, Scuba Diving, Baggage or Business Travel options?
Am I covered if my car won't start or breaks down on the way to and from the airport?
Will I have access to travel advice on visas and vaccinations before I travel?
Will I have access 24/7, 7 days a week, 52 weeks a year to a medical emergency helpline?

Who Regulates the Insurance Industry?

FSA - Financial Services Authority

In Britain the FSA is an independent non-governmental body who have statutory powers to regulate the financial services industry in the UK. It is financed by the financial services industry and Her Majesty's Treasury appoints the members of it's board. Tel 020 7066 1000 or www.fsa.gov.uk .

Major Insurance Organisations

American Insurance Regulatory Bodies:

By State A to G	By State H to N	By State N to U
Dept. of Community & Econ. Development Alaska Division of Insurance 907-269-7900 Fax 907-269-7910	Hawaii Insurance Division Dept. of Commerce & Consumer Affairs 808-586-2790 Fax 808-586-2806	New Mexico Insurance Division 505-827-4601 Fax 505-476-0326
Alabama Department of Insurance 334-269-3550 Fax 334-241-4192	Division of Insurance State of Iowa 515-281-5523 Fax 515-281-3059	Nevada Division of Insurance 775-687-4270 Fax 775-687-3937
Arkansas Insurance Department 501-371-2600 Fax 501-371-2629	Idaho Department of Insurance 208-334-4250 Fax 208-334-4398	New York Department of Insurance 212-480-2289 Fax 212-480-2310
Office of the Governor American Samoa Government 684-633-4116 Fax 684-633-2269	Dept. of Fin. and Professional Regulation Division of Insurance 217-785-5516 Fax 217-524-6500	Ohio Department of Insurance 614-644-2658 Fax 614-644-3743
Arizona Department of Insurance 602-364-3100 Fax 602-364-3470	Indiana Department of Insurance 317-232-2385 Fax 317-232-5251	Oklahoma Department of Insurance 405-521-2828 Fax 405-521-6635
California Department of Insurance 916-492-3500 Fax 916-445-6552	Kansas Department of Insurance 785-296-3071 Fax 785-296-7805	Pennsylvania Insurance Department 717-783-0442 Fax 717-772-1969
Colarado Division of Insurance 303-894-7499 Fax 303-894-7455	Kentucky Office of Insurance 502-564-6027 Fax 502-564-1453	Puerto Rico Dept of Insurance 787-304-8686 Fax 787-273-6365
Connecticut Department of Insurance 860-297-3800 Fax 860-566-7410	N. Mariana Islands Department of Insurance 670-664-3000 Fax 670-664-2211	Rhode Island Insurance Division Dept. of Business Regulation 401-222-5466 Fax 401-222-5475
Connecticut Department of Insurance 860-297-3800 Fax 860-566-7410	Mississippi Insurance Department 601-359-3569 Fax 601-359-2474	South Carolina Dept. of Insurance 803-737-6227 Fax 803-737-6159
Dept. of Insurance, Securities, and Banking Government of the District of Columbia 202-727-8000 Fax 202-535-1196	Montana Department of Insurance 406-444-2040 Fax 406-444-3497	South Dakota Division of Insurance 605-773-4104 Fax 605-773-5369
Delaware Department of Insurance 302-739-4251 Fax 302-739-5280	NAIC North Carolina Dept. of Insurance 919-733-3058 Fax 919-733-6495	Tennessee Dept. of Commerce & Ins. 615-741-6007 Fax 615-532-6934
Florida Department of Financial Services 850-413-2806 Fax 850-413-2950	North Dakota Dept. of Insurance 701-328-2440 Fax 701-328-4880	Texas Department of Insurance 512-463-6464 Fax 512-475-2005
Office of Insurance Regulation 850-413-5914 Fax 850-488-3334	Nebraska Department of Insurance 402-471-2201 Fax 402-471-4610	Utah Department of Insurance 801-538-3800 Fax 801-538-3829
Georgia Department of Insurance 404-656-2056 Fax 404-656-4688	NAIC New Hampshire Insurance Department 603-271-2261 Fax 603-271-1406	State Corporation Commission Bureau of Insurance 804-371-9694 Fax 804-371-9873
Dept. of Rev. & Taxation Ins. Branch Government of Guam 671-635-1817 Fax 671-633-2643	New Jersey Department of 609-633-7667 Fax 609-984-5273	Office of the Lieutenant Governor Division of Banking & Insurance 340-774-7166 Fax 340-774-9458

Austrailian Insurance Regulatory Bodies:

Australian Insurance Institute
1st Floor, 144 Pitt Street
Sydney, NSW 2000
Phone: (02) 9247 1141, Fax: (02) 9252 3180

British Insurance Associations:

ABI - Association of British Insurers	BIBA - British Insurance Brokers Association	IIB - Institute of Insurance Brokers
0207 623 9043 or www.abi.org.uk	0207 623 9043 or www.biba.org.uk	01933 410003 or www.ib-uk.com

Canadian Insurance Regulatory Bodies:


Financial Services Commission of Ontario 5160 Yonge Street Toronto, ON M2N 6L9 1-800-668-0128 (416) 250-7250	Manitoba Financial Institutions Regulation Branch Phone: (204) 945-2542 Toll-free: 1-800-282-8069 (in Manitoba) Fax: (204) 948-2268 Email: Insurance insurance@gov.mb.ca	THE INSURANCE COUNCIL OF MANITOBA Telephone (204) 988-6800 Facsimile (204) 988-6801
Alberta Finance and Enterprise Phone (780) 427-3035 Fax (780) 427-1147	Insurance Council of British Columbia Telephone (604) 688-0321 Fax (604) 662-7767	Insurance Councils of Saskatchewan (ICS) Licensing (306) 347-0862 Complaints(306) 352-7870 Fax (306) 569-3018
Financial Consumer Agency of Canada Toll-free numbers to call.: For services in English: 1-866-461-FCAC (3222) For services in French: 1-866-461-ACFC (2232) Fax: Toll-free: 1-866-814-2224 For Ottawa area orfrom outside Canada: 613-941-1436 www.fcac-acfc.gc.ca	New Brunswick - The Insurance Branch General Information: (506) 453-2512 Reception: (506) 453-2512 Fax: (506) 453-7435 Internet Web Site: http://www.gnb.ca/0062/index-e.asp	Insurance Brokers Association of Ontario Telephone: (416) 488-7422 Toll-Free: (800) 268-8845 or (888) ASK-IBAO Fax: (416) 488-7526

Caribean Insurance Regulatory Bodies:

IAC CARIBEAN	Jamaica Financial Service Division	Association of Trinidad and Tobago Insurance Companies
IAC Building, Collymore Rock, St. Michael, 11115, BARBADOS. Telephone: (246) 427-5608/9 Fax: (246) 427-7277 Email: info@iac-caribbean.com	Insurance Division 876-906-3010 2 876-754-9584 insurance@fscjamaica.org	Telephone: (868) 624 2817 (868) 625 2940 Fax: (868) 625 5132