Term life insurance is perhaps the most important investment you can make for your family’s future because nobody can help them if anything happens to you. With HSBC Term Life Insurance coverage, they can get up to $500,000 to pay for outstanding loans, college tuition, funeral expenses and more.

Get a FREE Term Life Insurance Quotes from HSBC Term Life Insurance!

If you’re searching for quick, easy, affordable insurance quotes, your search is over! With one simple application, InsureMe will get you insurance quotes from top-notch insurance companies. All you need to do is compare coverage and pick which policy is the best for you!

Get FREE Life Insurance Quotes from InsureMe!

Obtaining individual insurance quotes by calling insurance companies could be a time consuming and frustrating experience. The good news is that you can do this in less than two minutes by filling out just one intuitive easy & quick online questioner.

Get FREE Life Insurance Quotes from 2insure4less!

]]> http://www.american-national-insurance.com/life-insurance-quote-providers/feed/ 0 http://www.american-national-insurance.com/insurance-you-probably-dont-need/ http://www.american-national-insurance.com/insurance-you-probably-dont-need/#comments Fri, 18 Apr 2008 16:00:08 +0000 admin http://www.american-family-insurance.us/?p=17 Gerri Willis of CNN spells out some policies you should probably think twice about.

NEW YORK (CNNMoney.com) — Earlier this week, we told you how to cut your fees. Now, how to save more money on your insurance. Here are some insurance policies you should think twice about.

1: Skip the cancer insurance

This kind of insurance is meant to supplement health insurance for cancer-care costs. But generally you’re better off putting your money toward comprehensive health policies.

Premiums range from $200 to $3,000 a year for cancer insurance, according to Consumer Reports. And some policies only pay for hospital care. This is a big deal considering that cancer care treatment is given on an outpatient basis…including radiation and chemotherapy.

Some policies have waiting periods of a month – and if you’re diagnosed with cancer within that time, you may not be covered. Other policies stop paying benefits after a fixed period of two or three years. And sometimes you won’t even be able to get this insurance if you smoke.

2: Say “no” to Mortgage Life insurance

This kind of insurance policy will repay your mortgage in the event of your death, disability or some incapacitating disease. But the cost of this policy can be three to five times as much as comparable term-life insurance, according to Consumer Reports.

Plus, the value of this insurance actually declines as you pay down your mortgage. If you’re worried about burdening your heirs with mortgage payments, you’d be better off buying straight life insurance.

3: Forget ID theft insurance

This kind of insurance is sold by banks, credit-card issuers, and specialty insurers. It covers the cost of repairing your credit and sometimes attorney’s fees. Policies can cost between $25 and $50 for up to $25,000 in coverage.

But remember getting this insurance isn’t going to fix your credit or give you back the thousands of dollars stripped from your bank accounts.

In fact, a recent study found that most ID theft victims lost about $750 – but incurred no out of pocket costs. The ID Theft Resource Center even noted that they’ve never heard of a claim being paid out. And don’t forget, you have some consumer protections in place already.

You’re only liable for $50 for unauthorized credit card purchases. The bottom line is that you’ll be much better off keeping an eye on your credit reports.

4: Be wary of Annuity Fees

Buying an annuity may seem like the next best thing to mom’s apple pie. After all, you’re putting away as much tax-deferred money as you can and getting a monthly check for life. And since annuities are marketed heavily, it’s no doubt, you’ll get a rosy picture of these investment vehicles. But you’ll really want to keep an eye on those fees and withdrawal penalties.

On average, you’ll pay about 2 percent to 2.35 percent in basic fees for a variable annuity, compared with 1.40 percent for the average mutual fund. And don’t forget, you’ll have to pay the taxman sooner or later. And remember, annuities are not guaranteed by the government. Make sure you check the credit worthiness of the insurance company, says Dave Evans of Independent Agents and Brokers of America.

The information presented in this Site is for general informational purposes, and should not be taken as legal advice. If you have a specific legal issue or problem, we recommends that you consult with an attorney.

Get FREE Car Insurance Quotes from InsureMe!

ABOUT InsureMe

What we do
InsureMe is a free service that helps people find the most competitive insurance rates available. Since 1993, we’ve helped millions of consumers save money, time and effort on their insurance.

When you fill out our short quote request form, we match you with insurance professionals from your area. With multiple agents vying for your business, you can pick the policy that fits your needs and budget. Comparison shopping has never been so easy.

We also do stuff that has nothing to do with insurance—like building orphanages in Ghana and homes in Mexico, as well as donating time and money to various service organizations in our backyard (Denver).

Who we are
InsureMe is the creation of visionary insurance agent Tim McTavish. Tim thought it should be easier for consumers to find the right insurance. With that idea, a 386 computer with a monochrome monitor, and a cramped condo in the Denver suburbs, InsureMe was born.

Fourteen years and an information revolution later, InsureMe has become an indispensable online resource for insurance shoppers. The company now employs 70 talented individuals and has since moved out of Tim’s condo. (So has Tim.) InsureMe’s mission has remained constant: Helping people find the right insurance.

Term life insurance is perhaps the most important investment you can make for your family’s future because nobody can help them if anything happens to you. With HSBC Term Life Insurance coverage, they can get up to $500,000 to pay for outstanding loans, college tuition, funeral expenses and more.

Get a FREE Term Life Insurance Quotes from HSBC Term Life Insurance!

HSBC Term Life Insurance makes it simple. You can apply completely online and there’s NO MEDICAL EXAM…just answer a few health questions. Within minutes you can get a coverage decision and print out your policy right from your home computer! And no agent will contact you unless you request them to do so. Straight through term life insurance policy issued online without agent visit or a medical exam,—you Just have to answer a few health questions. Available in all 50 states!

In just minutes you and your family can enjoy peace of mind for the next 10, 15, 20 or even 30 years. Simply create a personal quote, answer a few questions and then enjoy instant coverage*, all online. It’s quick. It’s convenient. It’s HSBC.

No Medical Exams, Instant Coverage*

Finally it’s possible to buy affordable term life insurance without a medical exam with only a few health questions to answer!* Many people postpone buying term life insurance, not because their health is bad, but because they’re uncomfortable with the idea of the often required medical exam. Because term life insurance should be an important part of every family’s financial plan, this site features the ability to buy generous amounts of term life insurance without taking a medical exam. A few simple questions will be asked about your health to see if you qualify. And all this with a 30-Day Money Back Guarantee!

* If you qualify for term life insurance,—issuance of the policy is dependent upon the answers to the health questions set forth in the application.

 Get FREE Health Insurance Quotes from Health Benefits Direct!

Explore the different plans below and select the one that best meets your needs:

Individual Health Insurance
These plans are specially designed for people who do not have access to traditional health insurance coverage through an employer, yet have a need for comprehensive medical coverage.

Family Health Insurance
These are plans designed for families requiring comprehensive medical coverage. Even if you have access to health insurance through an employer, you may be able to obtain better coverage at a lower rate. See how Health Benefits Direct can help you and your family find a plan that best suits your needs.

Life Insurance (Term)
Find a comprehensive insurance solution with life insurance that complements your health coverage. See how Health Benefits Direct makes applying for life insurance both easier and more affordable.

Short-Term Health Insurance
Do you only need health insurance for a limited time? Then look into short-term plans made especially for needs like yours. Health Benefits Direct can help you find a short-term plan for a period of 30 days to 12 months.

Indemnity Plans
If you have difficulty affording or qualifying for major medical health insurance, an indemnity plan could be a great option for you. Discover how you can secure protection with little out-of-pocket expense.

Limited Benefit Plans
If your medical and financial situation warrants, purchasing a limited benefit plan is a legitimate healthcare purchasing option. Health Benefits Direct can help you determine if you are eligible for a limited benefit plan and if a limited benefit plan would best fit your needs.

Travel Health Insurance
Travel health insurance gives you peace of mind wherever you’re traveling, because existing healthcare coverage shrinks or disappears when international borders are crossed.  You will easily be able to find quality healthcare for any medical emergencies. Travel health insurance provides services such as finding local physicians and hospitals and helps with the language barriers and unfamiliarity of a foreign healthcare network.

Critical Illness Insurance
Critical condition insurance pays a lump-sum benefit upon diagnosis of a covered critical illness or condition. We offer a term life insurance policy with an available critical condition benefit rider. A critical condition insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to get the treatment you want and protect your home and other assets.

Obtaining individual insurance quotes by calling insurance companies could be a time consuming and frustrating experience. The good news is that you can do this in less than two minutes by filling out just one intuitive easy & quick online questioner.

Get FREE Car Insurance Quotes from 2insure4less!

ABOUT 2Insure4Less

2Insure4Less.com is a FREE consumer referral service enabling insurance consumers nationwide to quickly find the best rates on various insurance products, using our unique competitive bidding process. Fill out one, quick and easy questioner, using our intuitive, user-friendly interface and let the auction begin. Our sophisticated quoting system will use the information you have provided to sort through hundreds of insurance companies to identify the three (3) companies with the most competitive results. Your contact information will be referred to up to three agents in your state who represent companies with the best preliminary estimates.

We are not an insurance company or agency. We do not provide insurance quotes to the consumers, nor do we personally sell insurance nationwide. Our unique, patented automated rating engine is designed to provide you with preliminary estimates from thousands of insurance companies doing business in the United States . The actual insurance quotations will be provided to you by the insurance professionals, licensed in your state, who are members of our referral network and who are authorized by the insurance companies to quote and sell you insurance.

We are keenly aware of the identity theft, junk mail and other risk exposures and would like to assure you that your information is safe. We use secure server latest encryption technology to protect your information and we will not share your personal information to any outside party, except to those three agents with the best rates possible, who are also obligated to abide by our “Privacy Policy”.