First of all there are several things that commercial and general liability insurance will cover. You’ll be covered for property damage, bodily harm and personal injury and litigation being caused by allegations of false advertising. This type of insurance will also help businesses in taking care of legal fees that can be accumulated during these types of court cases. However if an incident involving your business involve criminal intent or is tied up with punitive damages your insurance will not be able to help you.

There are several different types of commercial and general liability insurance packages offered to business owners. There some packages that are tailored to businesses that are believed to be a low risk of litigation. There also insurance packages that are tailored to businesses that are believed to be of high risk of litigation.

Now how do you find the right insurance policy to cover your business? The first thing that you can do is that contacting local agencies that offer this type of insurance. You can either choose to talk to the insurance agent over the phone way to meet with them in person for that you can get all your questions answered. The Internet is that another way that you can locate commercial and New York general liability insurance. You can either seek out a specific company’s website in order to find out what kind of coverage of the company offers and to give price quote for the monthly premiums. There are also other web sites that can provide a cost comparison between several different insurance companies. This can be a real timesaver as you can narrow down fairly quickly which accompanies it into your budget and then do further research on them to see what kind of coverage that they offer.

Article by Denise Mancini

Life insurance policy needs are usually different at different stages of an individual’s life. When you’re just starting out as a young, single adult, you may see little use in getting your life insured.As you grow older, so do your responsibilities. You may have dependents who rely on your income to subsist and you need to ensure their financial security in case you’re no longer around to care for them.Then you reach a stage of greater financial stability where your kids have been through college, the house has been paid for, other consumer debts taken care of, and you probably have money put away for retirement.At this time in your life, your need for life insurance could be significantly different and you could do well to revisit your policy. The question you, as a senior, must ask yourself is whether it’s term life or whole life insurance that you need now.Term life insurance, as the name suggests, provides coverage only for a specific period of time. Term life insurance is usually recommended for young families that are starting out and have dependents, mortgages, and other financial commitments, but limited resources.As it’s relatively inexpensive, it allows younger people to buy considerable insurance on their life at very low premiums. The purpose of term life insurance is pure coverage in the event of the insured’s premature death and it has no “investment component”. The only way term life insurance can be cashed out is if the policy holder dies.The biggest benefit of term life insurance is its affordability. However, the premium rates keep rising as you age. Therefore, if seniors were to purchase term life, they will lose out on its cost benefit as the rates offered to them would be considerably higher especially if they are not in the best of health.They would also need significant amount of savings to live a comfortable life post retirement and meet any unexpected medical expenses associated with old age. That’s why whole life insurance policy is recommended for older people.Whole life or permanent life insurance, unlike term life, offers coverage for your entire life as long as the premiums are current. In addition to providing coverage, whole life policy also builds cash value.Because it provides continual protection and has a savings feature, whole life insurance policy is more expensive than term life. Even so, whole life insurance is believed to be a better bet for the retired or nearing retirement folk for several reasons.

Term life insurance provides coverage until the age of 75, where permanent life insurance remains in force for your whole life.You need to have reached a certain financial ability to afford whole life insurance. Older people generally have lesser financial obligations and can afford higher premiums more easily than those who are starting out.You can cash the policy out for the accrued value in case of an unplanned medical emergency or even use it as collateral for loan. In short, whole life insurance acts like an asset that can be used at the time of need.Unlike renewable term life insurance premiums that generally increase with age, the premiums on most whole life insurance policies remain the same over the years.The insured can have the peace of mind that whenever their time comes, which is more of a concern as you get older, there will be guaranteed coverage for their partner.Most whole life insurance policies offer dividends that can be added to the cash value or death benefits.Proceeds from whole life insurance can be used to pay for the funeral and other final expenses when the insured passes on.Seniors can also buy a whole life insurance policy as an estate or legacy for their grandchildren.A smaller whole life insurance policy would generally not require you to go through a health examination, which works well in case of declining health.However, whole life insurance is a long term commitment that one should consider purchasing only if they are confident of keeping up with the payments. Letting your whole life insurance policy lapse because you’re unable to pay the required premiums can spell disaster for your financial plans and should be avoided at this crucial juncture of your life!About AccuQuote:AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

Article by Denise Mancini

Mrs. and Mr. X own a significant estate that they plan to leave behind as a legacy to their children. As part of their estate planning process, their financial advisor recommends they purchase survivorship life insurance.Mrs. and Mr. Y have a son with special needs. They are worried about his financial security after they are gone. Their legal counsel puts forth the idea of survivorship life insurance.Both the couples decide to find out more about survivorship life insurance or joint survivorship life insurance and here is what they learned.Survivorship life insurance or joint survivorship life insurance is a life insurance policy that insures the lives of two persons, most often a married couple, instead of a single individual.The death benefits of a survivorship life insurance policy are not paid out to the beneficiary until the surviving spouse also passes away. For this reason, survivorship life insurance is also known as second-to-die life insurance policy.One of the biggest reasons couples buy survivorship life insurance policy is to pay for estate taxes and other estate settlement costs. The policy makes use of the marital estate tax deduction, which allows postponing the payment all federal and most state estate taxes until the death of the surviving spouse.At this time all taxes, which could have assumed considerable proportion by now on account of appreciation in the value of the estate, would need to be paid.This is where joint survivorship life insurance policy comes into play. The proceeds of the policy are used by its beneficiaries to pay all the estate taxes and meet other costs, eliminating the need for liquidating part of the inherited estate.The only caveat is that neither one of the insured couple can have ownership rights to the policy. The beneficiary of the policy has to be a third party such as the insured couple’s children or a trust.Survivorship life insurance policy is also bought by couples who have children with special needs to secure their financial wellbeing. The proceeds from a second-to-die life insurance policy ensure that sufficient funds are available upon the death of both the parents to provide for the child they leave behind.Advantages of Survivorship Life InsuranceThe biggest advantage of survivorship life insurance policy is that premiums are generally low. Since the insurance company has to pay the benefits only after the death of the surviving insured spouse, this policy is significantly less expensive than buying two separate life insurance policies.Another benefit of joint survivorship life insurance is that it is easier to purchase than individual life insurance policies even if one of the partners is in less than perfect health. The underlying reason is the same – since the insurance companies doesn’t owe the beneficiaries anything until both the partners pass away, they are not as concerned with one’s ill-health as they would be in case of traditional life insurance policies.In fact, a person who has been denied a single life insurance may also get approved for a joint survivorship policy. However, this can differ from case to case as no one is auto approved for any life insurance product.Survivorship life insurance policy is bought by wealthy individuals to conserve their estate. Estate taxes incurred at the time of surviving spouse’s death could be high and it may get difficult for the beneficiaries to arrange the money. Such a situation may force them to make a distress sell or liquidate parts of their inheritance. The proceeds from joint survivorship life insurance make sure that liquid cash is available to pay off the estate taxes, thereby preserving the left behind estate.Limitations of Survivorship Life InsuranceBut the survivorship life insurance policy is not without its limitation. First of all, the death benefits go to a third party, which means if the couple doesn’t have individual life insurance policies, then the surviving spouse has no coverage upon the death of one partner.Second, it makes use of provisions of an existing estate tax law. If any changes were to be made to the tax law, a survivorship life insurance policy would no longer be valid.Third, what happens in case a couple gets divorced after buying survivorship life insurance? That’s why couples are advised to ask their insurers for riders in case they were to split. One option they may be offered is to convert the joint survivorship policy into two single life insurance policies if they decide to go their separate ways.And finally, joint survivorship life insurance policy is not recommended for small estate owners. It is usually advised if the value of your estate is at least .5 million!About AccuQuote:AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

thefilmarchive.org DVD: www.amazon.com Life insurance is a contract between the policy holder and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. In return, the policy holder agrees to pay a stipulated amount (the “premium”) at regular intervals or in lump sums. In some countries, death expenses such as funerals are included in the premium; however, in the United States the predominant form simply specifies a lump sum to be paid on the insured’s demise. The value for the policy owner is the ‘peace of mind’ in knowing that the death of the insured person will not result in financial hardship. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot and civil commotion. Life-based contracts tend to fall into two major categories: Protection policies — designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance. Investment policies — where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US) are whole life, universal life …

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Searching for the cheapest, best and most affordable universal life insurance quote can be a daunting task! BeamaLife’s team of experienced insurance & financial experts are here to help you by accessing our extensive database of highly rated universal life insurance companies. Our goal is to locate low cost guaranteed universal life insurance rate quote for our clients. There are four kinds of universal life policies: 1) Guaranteed Universal Life, 2) Traditional or Non-Guaranteed Universal Life, 3) Indexed Universal Life, and 4) Variable Universal Life Insurance Policy. Please complete your universal life insurance quote request now to compare top 100 life insurance companies and save thousands of dollars on your universal life insurance premium. Please complete this short and get your universal life insurance rate quote now. Universal life insurance is considered a hybrid of other types of life insurance.

It offers a combination of a lifetime of coverage and, depending on the universal life insurance policy you select, may include options for building tax-deferred cash value over time. This cash value can be used for retirement, a college fund, a second home, or any number of your life’s dreams or unexpected events. Though, the BeamaLife team strongly believes that if you are looking for cash value then you will be better of with traditional whole life policy with guaranteed cash value and potential for high dividend. Guaranteed universal life insurance is a great way to get lifelong or entire life coverage with most affordable premium. It also provides a guarantee that the premium will remain fixed and will not increase. You have the choice to pay a premium for the rest of your life (the most affordable option) or finish your premium payments in a 20, 15, 10 or even in a single premium. Obviously, the shorter the premium payment period the higher the premium amount; similar to how a 15 year mortgage will have a higher payment as compared to a 30 year mortgage. This policy can also used as term insurance for your entire life or term insurance without an expiration date. Please complete universal life insurance quote request form to find best universal life insurance coverage that is right for you or call now (866) 972-3262 to speak with one of our life insurance specialist to help you get discounted universal life insurance rate quote

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Article by Denise Mancini

September is observed as the Life Insurance Awareness Month (LIAM) across the country. It serves as an annual reminder to Americans about their life insurance needs, to make them understand the importance of including life insurance in their financial plan and if they already have insurance, to revisit their policy and make sure they have the best possible coverage.However, there is little to celebrate this year as far as life insurance is concerned. According to the 2010 Life Insurance Ownership Study conducted by the Life Insurance and Market Research Association or LIMRA as it’s more popularly known:

As many as 30 percent (35 million) U.S. households have no life insurance protection at all.Only 44 percent (58 million) U.S. households have individual life insurance policy, the lowest number in 50 years.About 11 million households with children less than 18 years of age have no life insurance coverage.The figures portray a grim picture of America’s life insurance status and that’s not going to change unless there is a concentrated effort through campaigns like LIAM to spread awareness about the necessity of having life insurance protection.In its seventh year now, LIAM has taken up the challenge of educating the American public about their need for coverage. The initiative is sponsored by a non-profit organization called LIFE in association with over 100 top insurance companies and industry groups in the country.However, this year marks a deviation from the previous ones as the challenges facing the life insurance industry are much greater. An uncertain job market, failing real estate sector, and an overall depressed economy have put a huge financial strain on an average American family. People already struggling to pay their daily bills have little left over resources to buy life insurance.According to the LIMRA study, one in four U.S. households depend solely on group life insurance for coverage, which means they will have no coverage if they lose their jobs or quit.While the reasons for not purchasing life insurance are legitimate, what people fail to see is not having coverage leaves their family just one accident or illness away from a financial catastrophe. If the primary breadwinner was to pass away at this stage, it’ll be nothing short of a financial disaster for his or her family.Aside from the emotional trauma they will go through, the family will lose its only source of income, might have to suffer the ignominy of losing the family home, may not have sufficient funds for the kids to go to college, and could even struggle to pay for the funeral and other final expenses.As morbid as that sounds, it’s not far removed from reality for many American families. The study conducted by LIMRA, in fact, reported that four out of 10 households with kids aged 18 years or less admit that they would immediately have trouble taking care of everyday living expenses if the primary breadwinner was to die unexpectedly.However, there are many reasons other than a poor economy that keeps Americans from making this critical purchase and top amongst these are.Procrastination: For so many people who can well afford and want life insurance, it’s nothing but inertia and procrastination that keeps them from buying a policy. Getting life insurance remains a “to-do” item in their list that keeps waiting to be ticked off. Weeks turn into months and months into years, but “tomorrow” never comes. What they forget is there is no guarantee there will be a “tomorrow” for them at all and the sooner they secure the financial wellbeing of their family, the more peaceful their “today” will be.Low Priority: Many Americans prioritize paying off their debts and putting money aside for retirement over getting life insurance. Even though recession has changed the spending habits of Americans and people are saving more to safeguard their future, life insurance does not necessarily figure in their financial goals.Lack of Awareness: Some people are just not aware of the impact life insurance coverage can have on their lives if the main wage earner of their family was to die prematurely. That’s where initiatives like LIAM are so important in educating people about what life insurance can do for them, how it can secure their financial stability by ensuring debts and mortgages are paid off, there is a regular stream of income coming into the household, and there are sufficient funds to support kids’ education.Complexity of Products: There are so many life insurance products in the market and sometimes having too much choice can be counter-productive. Besides, life insurance is anything but an easy concept to grasp. More often than not, people need professional help to understand the different life insurance products and what they mean and can get easily overwhelmed by their complexity.Procedural Hassles: Last but not the least is the fear of going through a long drawn procedure that can take anywhere between three to eight weeks or more. There are forms to fill, health exams to take, documents to furnish, etc. all of which make the process less than fun for consumers.But in the end, we must realize life insurance is not for us, but for the ones we leave behind. Let’s all take a pledge this Life insurance Awareness Month that we will overcome all obstacles in making sure they are taken care of even when we are not around!About AccuQuote:AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

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Article by Denise Mancini

Everyone who applies for permanent or term life insurance should consider the importance of binding life insurance coverage. Processing your life insurance policy can take up to 60 days. During this period you are left without coverage which is not an ideal situation. Events in life are often unforeseeable which is why you are opting for life insurance in the first place. You wouldn’t want to take the risk of being without coverage if there is an option available.Binding life insurance coverage allows you to enjoy the peace and security that comes from knowing your life insurance coverage is active even before your life insurance policy is officially in place. How does this work? A premium must be paid along with the completed application form. The coverage begins on the date the applicant receives a conditional binding receipt. If you qualify for life insurance, you are not left without coverage during the time it takes for underwriters to process your life insurance policy. Since you are going to pay premiums anyway it makes sense to secure the life of your loved ones financially during this period.Most life insurance companies issue a conditional binding receipt when an applicant fills out the form and submits it to the company along with the first premium. Depending on the type of insurance you are applying for, a “binding receipt” is also called a “conditional receipt”. As the underwriting procedure progresses, if you do not qualify for a life insurance policy, the life insurance company will return any premiums you have paid. Applicants who are totally uninsurable or not insurable at standard rates may not receive immediate coverage.Everyone who is applying for life insurance should bind their coverage and get life insurance protection as soon as possible. Not only do the benefits include a sense of security, but if your health takes a turn for the worse during this period, your insurability will not be affected.Binding life insurance coverage is an advantage to insurers and applicants. Most companies issue you binding receipts when an application form is submitted along with the first premium payment. The important issue, however, is choosing the right life insurance policy. Make sure you check out all your options before applying for a life insurance policy. What most people don’t know is that underwriters of different life insurance carriers use different criteria for insurability assessment. Many carriers also have additional advantages such as waive of premium rider, or conversion options that you can use to convert your term life insurance policy into a permanent policy. These options may be useful to you later on.You’ll find it easier to find the best and most affordable life insurance policy when you use online life insurance quote providers. Their databases carry information from hundreds of reputable life insurance carriers and can easily and instantly find quotes that match your needs. You’ll receive multiple life insurance quotes for comparative study, free of cost and without any obligation to purchase. Look out for the Better Business Bureau (BBB) accreditation before using online life insurance quote providers. About AccuQuote:AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

Article by David Livingston

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