Buying Boat Insurance

By admin, 4 February, 2010,

Those of you who own a boat will want to make sure you get watercraft coverage.  Often times, people don’t realize that they need this type of coverage for their boats.  There are many boat owners that don’t even realize this type of insurance is even available.

You need boat insurance if you own a boat, it’s that simple.  Before you buy boat insurance, here are some things you simply must know.

-  Many states now require that you carry watercraft liability coverage.  What this coverage does, is protect you against any damage that you cause to other people or their property with your boat.  This insurance will also cover you for vandalism, theft,  fire, stranding, sinking, and even collision.  You should always call your insurance agent and see
what’s required with your state and what policies they cover.

-  There is also optional coverage that you should really consider.  One type of coverage that you should strongly consider is

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Whole Life Insurance

By admin, 9 January, 2010,

Whole life insurance, also known as “cash-value” insurance is a basic and consistent type of permanent life insurance which remains in effect your entire life at a level premium. This type of life insurance is a valid choice if you do not expect your life insurance needs to change over time. A portion of your premium goes into a reserve fund called ‘cash value’ that grows over the years your policy is in affect. Your reserve fund is tax-deferred and you can borrow against it, until you withdraw it.

The premiums generally remain constant over the life of the policy and must be paid periodically according to the amount indicated in the policy. You may also have the option of a single premium —– paying all of the premiums at once with a single lump sum. Your cash values will grow to equal the amount of the death benefit when you turn to age 100.

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Car Alarms

By admin, 15 November, 2009,

BMW : 7-Series 745i 2004 BMW 745i Automatic 4-Door Sedan
US $8,800.00 (5 Bids)
End Date: Monday Feb-08-2010 22:13:09 PST
Buy It Now for only: US $17,990.00
Bid now | Buy it now | Add to watch list

We’ve all heard them in the mall parking lot and if they are working, they should honk and flash, we are talking about car alarms. A car is stolen every 25 seconds in the USA, costing drivers and the insurance industry over $8 billion dollars a year.

The #1 or primary reason vehicles are stolen is the huge aftermarket for stolen car parts, #2 exportation and finally #3 is joyriding. Car theft has long been big business, and car alarms have evolved to rise to the challenge.

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Sample Cancellation Letters

By admin, 19 October, 2009,

It is always prudent to submit cancellations or changes on your insurance policy in writing to you provider. If you fax it, keep a copy of the confirmation date stamp and if you e-mail it, retain the record until the action you have requested has been confirmed in writing.

Before you cancel or change your policy requirements, contact your provider and ask for their coordinates or contact information for cancellation of a policy. Get their name, address, zip, e-mail, fax and any other details. Making sure you address it to the right person, at the right address is important and for the few moments it will take to gather this information the grief it will save you if you deliver it to the wrong address or person will be worth the effort.

Here is some sample text you can use for your letter:

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