Posts Tagged ‘l’
Thursday, July 9th, 2009
by Amy Nutt
Travel Insurance is a form of limited or special situation insurance that covers loss arising from a specific event. This could be flying in an airplane or riding in a train. The policies are based on the behavior of a group of individuals engaged in an activity and the likelihood that a loss will occur.
Travel Insurance is rated based on the occurrence of a loss as it affects a group of common interest, such as airline passengers. This differs from individual coverage, which rates the risk of loss occurring based on the personal preferences and habits of the insured. It would be difficult to use individual underwriting standards such as age and health status to travel insurance since not everybody flies in an airplane.
Group insurance factors in the community experience of the group as a whole in order to access the probability that loss will occur. Community experience factors can include the number of air disasters in a given region, or in a given year, or by a given carrier. When assessing loss exposure on a group basis it is easy to discern certain trends and patterns regarding the chance of loss. Since air travel is deemed safe with air disasters occur very infrequently (roughly 1 in 2.5 million), the rates for travel insurance is very low.
If you accept that activities such as air travel are safe with a low probability of occurring, why the need to buy travel insurance? Insurance is about something not happening, as oppose to a loss occurring. Insurance provides a way to restore value in the event of a loss and for some, having the piece of mind that some benefit may be available may be important.
Travel insurance policies are typically issued in kiosks at an airport. It may also appear as a rider associated with a credit card or to a person’s property and casualty indemnity coverage. However it is purchase, the benefit provided is a low amount of coverage, maybe no more than $25,000 (although a few higher death benefit policies exist). This is done based on the community experience-rating factor that looks at the incident of death or dismemberment occurring based on the chance of an airline disaster.
How old you are, how physically fit you may be, whether you smoke or not, are all rating factors or variables that are not important to issuing travel insurance. None of those factors has an impact on a plane taking off and landing and the likelihood that a crash will occur. That the instances of plane crashes are so low suggests that very limited factors need to be considered when pricing travel insurance.
Insurance is based on a concept of risk transfer. This means that the individual pays a premium amount that insures that if something were to happen, the insurance will provide a benefit to compensate the policy’s beneficiary. The amount paid in premium is low relative to the potential benefit that is paid. The insurance company rates the potential for loss and prices its policy accordingly so that it is able to pay if that loss occurs. The higher probability that a loss can occur means a higher premium. Applying group underwriting principles to travel insurance helps provide a product that is low cost and pays a uniform benefit.
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Tuesday, July 7th, 2009
by Amy Nutt
Life insurance provides a benefit in the form of it policy amount to protect against the loss that arises from premature death. It is based on the insurable interest, or the potential that a direct financial hardship will occur due to the death of the insured. The insured is the individual whose life the death benefit is based on and upon whom we rate the risk.
The variables or factors used to determine Life Insurance rates are based on the habits of the individual. A risk is the potential for loss or a reduction in value. The loss of life produces a financial hardship for those left behind and can be assigned a value. Loss is the reduction in value that in life insurance can be loss of future earning potential or expenses incurred for funeral, bereavement, readjustment and moving forward.
The extent to which a reduction in value may occur is the loss exposure. This loss exposure is enhanced by perils that are situations, which cause loss, affected by these hazards:
- Physical hazard, which is some physical characteristic in the environment that presents a peril (i.e. a banana peel on the ground in front of where you are walking); - Moral hazard that is based on an individual characteristic such as dishonesty, theft and fraud; and, - Morale hazard, which is blatant disregard for the law such as driving under the influence of alcohol or driving over the posted speed limit.
The extent to which a person manages risk influences their rates. For example, smoking can be considered a morale hazard because we know that cigarette smoking is a major contributor to lung cancer. Knowing this and still engaging in the habit means that the person understands the risk but does not care. Since we also know that cigarette smokers die sooner than non-smokers, smokers pay higher insurance premiums for life insurance than do non-smokers.
Another factor that is considered when rating life insurance is the person’s health. This is a valid risk factor because we know that people who exercise are healthier than those who do not exercise and people who make healthier eating choices live longer than those who eat junk food. These are those morale and physical hazards that are measured by the insurance company and priced, based on the probability of it occurring. The more likely an event occurs, the higher the cost to insure.
Insurance companies are not in the business of paying claims. This statement may seem profound but it is a rational one. It benefits insurers and society as a whole if people live long healthy lives. This helps lowers insurance costs and make it easier to afford. The insurer looks at the rate of death or mortality potential within a classification, such as all 35 year-old males. This is based on the law of large numbers and risk pooling. In order for an insurable risk to be ideal, it must be measurable, produce a financial loss, which is indemnity, be accidental in nature (which is why suicide is excluded), and based on a large group. Lower probabilities occur in larger population groups, such as those ages 25 to 45 and higher probabilities in smaller older populations, age 65 to 85.
About the Author:
Full service insurance brokerage offers corporate and personal solutions. When looking for the best protection and information on Personal Insurance, Car insurance Ajax, Health Insurance Ajax, Commercial Insurance, Life Insurance options.
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Friday, July 3rd, 2009
by Amy Nutt
Car insurance claim; those are three words that no one ever wants to think about. But, realistically, there will more than likely be a time in a person’s life when they will have to call their auto insurance company and state a claim. During this time, it will obviously be quite traumatic and the steps that one needs to take in order to make a successful car insurance claim. Although, at the time, the mind will surely be racing and it may be hard to think about what needs to happen, but it is necessary to keep these steps in mind if they want to make it as easy as possible on the people that are involved.
Relax, Think The first thing that needs to happen is that the person should call 911 if anyone has any substantial injury, but make sure that the police arrive to obtain a police or incident report documenting the event. Even if they may think it is unnecessary, it’s best to insist. After this step is completed, make sure that the license plate numbers are exchanged, and all other pertinent information is obtained, especially insurance information. This is very important, all of the relevant information needs to be obtained as best as possible, as it makes everything easier on everyone involved, and grants peace of mind after a terrible event.
Furthermore As soon as a person possibly can, they should contact their own insurance company, even if the accident is the fault of the other person. In a situation where it is the other person’s fault, it is advisable that you inform the offending party’s insurance carrier and let them be aware of the fact that you are filing a claim against their client, and your insurance company is not willing to pay the damages inflicted.
Another route can be taking, although it can be somewhat meticulous. There is the option of filing a claim with both carriers, and making an itemized list of exactly what was damaged. Although you cannot collect twice for the same thing, under multiple source recovery states that after collecting, the checks can be put into a kitty. After receiving all of the checks involved and there is anything left in the kitty, one can write a check to the person’s carrier for any overages.
It is noteworthy to state that in the event that the numbers do not add up and the offers are too low, it can be worthwhile for a person to seek legal action. It may seem as if they are being insensitive, but this is simply the way that these things transpire. Understandably, an accident is something that can be life-changing, but there are still steps that need to be taken care of to protect one’s self and their property. Although it may be a lot to member, it is a process that needs to take place in order for one to feel as if they actually have help during this grueling and stressful situation.
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Thursday, June 18th, 2009
by Amy Nutt
There are a number of world records held in by the city of Toronto and by residents of Toronto. Some are serious and have had a lasting impact on the world for the good, while some are somewhat frivolous.
Nonetheless, all add to the reputation and ‘fame’ of the great city of Toronto, Canada.
The University of Toronto was the location for the discovery of insulin, a medication that has assisted millions of diabetic patients have lives that are much closer to normal than they ever before could hope, thanks to Fredrick Banting and Charles Best.
Toronto was also first in a new way to collect money from drivers, with the first fully electronic toll highway - Highway 407.
While some Americans get the notoriety for the radio tube, Edward Rogers Sr. invented the world’s first AC (alternating current) radio tube in Toronto in 1925.
The first pacemaker was set in motion in 1950, again at the University of Toronto. This time Dr. John A. Hopps gets the credit.
The CN Tower in Toronto holds two world records; one for the highest wine cellar in the world, and another for the world’s tallest glass-floor elevator.
The exemplary PATH system is on record as the largest underground retail complex in the world, while the world’s first, permanent AIDS memorial was dedicated in 1993 at Toronto’s Cawthra Park.
In the frivolous vein, the Radio City Music Hall Rockettes joined with thousands of participants at the Hummingbird Center in Toronto to form the world’s longest kick line, while Arulanantham Suresh Joachin and Tiffany Lesko set a record for another kind of dancing, winning the world’s longest dance marathon by a couple at 31 hours and one minute.
Sticking with the dance theme, instructors from Toronto’s Davar Indo Jazz Dance Movement taught the world’s biggest dance class.
The fastest marathon time with a baby buggy and the world record for joggling are both held by Toronto resident Michal Kapral. He pushed a baby buggy for a marathon time of 2 hours, 49 minutes and 43 seconds, while he jogged while juggling three beanbags ten kilometers - and never dropped a bag.
Toronto is home to the world’s longest street - Yonge Street, measuring in at 1,178 miles/1,896 kilometers, and also boasts the world’s longest free-spanning staircase, found in the Four Seasons Cenre for the Performing Arts.
Toronto residents also know how to chow down: Pete Czerwinski holds the record for eating the most latkes after downing 46 in 8 minutes flat.
Toronto is also generous with its food, having donated 119,068 kilograms of food to charities in 24 hours.
Toronto resident Suresh Joachim makes a habit of collecting world records - he has at least 5 - longest amount of time watching television (69 hrs., 49 minutes), the longest time impersonating Elvis (55 hrs.), longest time watching movies (123 hours), the longest karaoke marathon (25 hourse and 49 minutes), and the longest time conducting a musical band (42 hours and 52 minutes).
These are just a few of the fascinating and frivolous world records held in Toronto! When looking for some of these GTA places, you can check the visitors and information on Travel Insurance Canada
Tags: a, business, Destinations, e, f, family, finance, h, health, health insurance, i, insurance, l, life, life insurance, t, travel, travel & leisure, travel insurance
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Wednesday, June 17th, 2009
by A Nutt
Employer’s liability insurance comes in three different types. There is general liability, property insurance and worker’s compensation insurance.
General Liability If you have a policy for general comprehensive liability insurance, it covers you against anyone physically injury themselves or causing damage to property while on your business site.
This type of coverage is often purchased in company with property insurance (see below) for a more complete protection against any type of accident at the place where you usually operate your business or carry out business functions.
Professional Liability For some business such as retail or food services, comprehensive liability coverage is likely enough. However, professional liability coverage is vital for many, including engineers, consultants, medical professionals and accountants.
Professional liability coverage protects a professional against claims of negligence or incompetence.
Sometimes this type of insurances is called ‘errors and omissions’ coverage, since it protects a businessperson in the case of a mistake or incompetence in carrying out his or her professional duties.
This type of coverage is vital for a professional. Claims for negligence or other omissions can be much larger than general liability claims, as evidenced by medial malpractice suits.
Property Insurance Just as a homeowner must have basic property insurance, so too must a business. This kind of coverage is usually very straightforward.
With property insurance, your business is protected against theft or accident or any other loss of your business property. This coverage is in effect even if the equipment is not at your place of business when it is lost, damaged, or stolen.
Again, property insurance is similar to homeowners in that it covers in the case of fire or other disaster. You need to read your policy carefully to determine if it covers any flooding. That type of disaster is often excluded from coverage, as is water damage from sewer backup. Know your policy and add a rider if you think it is important to do so.
Usually property insurance is packaged with general liability insurance in a single package at a basic rate.
Worker’s Compensation Insurance Worker’s compensation insurance is an employer’s liability insurance that provides coverage for medical or disability claims by employees.
If an employee has an accident or a job related illness, they will file a claim under worker’s compensation.
Each state mandates that businesses with even one employee provide this coverage, and most have pools to help small businesses cope with the expense. It can be expensive to own a policy, particularly if a former employee or employee has a claim.
The amount of a company’s premium is based on a formula calculation. The formula takes into account the services offered by your company and the payroll each pay period.
Requirements vary for each state regarding how much you need to pay into the fund. Make the assumption that you will need to pay for each employee in your business, even though there are times that you as the owner and members of your family are exempted from workers comp insurance.
Depending on your state, you may be able to shop around for the best rates and service.
About the Author:
Full service insurance brokerage offers corporate and personal solutions. When looking for the best protection and information on Home Insurance, Car insurance in Ajax, Health insurance, Commercial Insurance, Life Insurance in Ajax options.
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Thursday, June 4th, 2009
by A Nutt
Car accidents usually result in an increase in insurance premiums. Even if you are not responsible, your insurance company will have to incur some costs. There is an increase in car premiums and policy quotes because the accident will be rated against your coverage. There are a number of types of insurance coverage that can include collision, personal injury protection, and medical coverage. If you are found at fault’ for an accident, coverage such as personal liability and collision will cover you, your vehicle, and personal injury to the other driver. Often, if you have just one accident, you will see an increase in your car insurance quote.
Car insurance quotes will increase because you will be considered a high risk driver. The premium will reflect the nature of the accident and the costs associated with the accident. Insurance companies will usually charge ‘points’ to your policy. Depending on the insurance company, these points will be charged to your policy for a certain period of time that usually ranges from three to possibly seven years. If you are in an accident that was your fault, the insurance company will consider that you are a high risk of having accidents in the future and increase your rates. You will also receive higher insurance quotes. The length of time between an accident and your quote and premiums decreasing depends on a providers policies. As well, you may have to pay a higher deductible for the insurance.
Another reason why an accident can increase your premiums when you are ‘at-fault’ in an accident is that there are some companies who will not insure you. When there is less competition for your business, then there is less incentive to give you a good deal. As a result, your insurance quote will be higher. When you add the insurance ‘points’ into the mix, it is easy to see how an accident can become very expensive. If you have a faultless driving record, it is unlikely that your premiums will increase after an accident that was determined not to be your fault.
You can normally expect a rate increase of between 20-40%. This increase is based on the Insurance Services Office’s (ISO) criteria of raising a premium after an accident. According to the ISO, for multi-car policies, the surcharge is 20 percent of the base rate, and for single-car policies it is 40 percent. It is important to remember that there are other factors taken into consideration after an accident such as your age, gender, and driving record. These factors will affect how high the percentage increase will be.
The increase in premiums is not done so that the insurance money can get their money back, but is based on the risk that you may be involved in another car accident. Each insurance company has different policies and standards, but they look at your chances of getting into another accident. The number of accidents that you are involved in also increases your insurance premiums.
Some companies will absolve past accidents after a set period of time has expired. This can be two years, or as much as five years, but the period will vary depending on the insurance provider. Basically, you have to show the insurance company that you are no longer a high risk driver.
The best way to avoid high car insurance quotes is to avoid an accident. You can do this by practicing safe driving. One car accident can seriously impact your car insurance quote and the premium that you will pay.
About the Author:
Canada’s largest independent insurance brokerage firms delivering car insurance London, car insurance Waterloo, home insurance solutions in your community and around the world for over 70 years and offices in Cambridge, Waterloo and Toronto
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Monday, June 1st, 2009
by Graham McKenzie
Whole life insurance covers you in case you die with compensation for your family, but it has other benefits as well. It is a plan that covers you for your whole life, although it is more expensive than other plans. Some of the money you pay each month is invested, and you can choose to access that money when you reach a certain age, or when there is an emergency.
After your die, your family members may have several kinds of expenses to bear. By buying a life insurance you are shielding them from several financial breakdowns. Based on your style of living, your family may have to face more expenses than you expected. First the funeral expenses, which now costs almost a fortune. Another important fact is that now your family has one working member less. This can be tough with families having young children. You too may also wish to defend your business, or give some funds to charitable trust after death.
If you make your monthly payments on time your family can expect a large sum of money. How large this sum is depends on what you have set up in your insurance plan, although it is usually more than five times your yearly income. You can choose to bank out your money early in case of a greater need. This is possible since the insurance company has invested part of your payments. You can set your plan up so you can only access the money at a certain age or in case of an emergency. This is very handy if you need extra retirement money, tuition, or money for buying a home. In this way a whole life insurance plan can work like a loan, but it is not necessarily as cost efficient as a regular loan.
While assessing your suitability for insurance, the insurer considers factors like your credit record and well-being. If you want to insure yourself when you are young and healthy you will get some discount on premiums as compared to others. Even by improving your style of living you can lower your rates. This may includes losing weight, leave smoking, and improving your food habits. You can meliorate your credit by clearing your old dues and maintaining correct credit record by making complaints against the wrong entries, if any.
At times a whole life insurance is too much that what is really required to cover your needs. There are other kinds of life insurance schemes available in the market which you can go for if excluding whole life insurance. There are some plans which provide you cover temporarily and have lower premiums too. Even if you think your family will require a huge amount of money as compensation after your death, there are still some other insurance plans to look into. You must do adequate research on insurance providing companies and their representatives in your locality before selecting one on which you belief. You have to use all your resources such as internet, your friends, and your phone book to find out the best plan which offers you lower premiums than others.
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Wednesday, May 27th, 2009
by Graham McKenzie
Don?t become confused with the many terms in the insurance industry. Life and health insurance are very different from each other and cover you in very different ways. It’s very important that you find out as much as you can about different insurance plans before you purchase one.
Life insurance offers coverage to your family members in case of your death. The compensation offered to your family is according to the plan you receive. Many people opt for six years value of their annual salary or more from their plan. Your insurance plan depends on you making timely monthly payments.
An insurance company before covering you tries to assess your liability to the company. It will be tough to get insured if you are older or have got some grave illness. Your insurer may look into your credit history to assess if you can pay your monthly premiums. After getting required information on your credit and life, the insurer will offer you a premium rate, which you require to pay to get coverage.
There are two main different types of life insurance. One type is called term insurance, and it lets you get coverage for the time during which you are making your payments. This is suitable if you just want to be covered for a short about of time. Some people get term life insurance while they have children so that they are protected while they are young, and get rid of it when they get older.
Health insurance plan is quite unlike life insurance plan. It only covers your medical expenses and other bills related to heath. Many people opt for this insurance to get pay for frequent doctor visits. There are some who get this insurance to save themselves against sudden medical expenses which was not planed.
Full coverage is one of the most expensive types, but it covers any type of medical bill that might come up. You can also get an 80/20 plan, which lets you pay for 20% of the bill, no matter how much it is. Another type of plan pays up to a certain amount of money, and lets you cover the rest. The type of plan that?s best for you depends on your situation.
Several people get their life and health insured by employer. Find out if they might have any arrangement which may let you get a small part of the payments. Your heath plan rates will also be fixed in a similar fashion like the life insurance. If you take part in risky sports like sky diving or rock climbing, then it would be tough to get lower rates. To get your rates lower you can do several things like getting your credit score in line and paying off any outstanding debts. If you are a smoker then you must quite smoking to get your rates reduced. You can get it lowered to half if you remain a non-smoker for a year.
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Monday, May 25th, 2009
by Graham McKenzie
When organization or employer wants to insure 5 -10 or more employees then they go for a group life insurance policy. The employer bargains lower premiums with the group policy, and the life insurance company provides cover to everyone who is involved in it. A group life insurance is a huge added plus point for the organization if employer wants more employees to stay. There are so many dissimilar things one can do with this type of flexible plan.
The payment agreements can be made in quite a different ways. You may either opt for a plan where the coverage is entirely paid by your organization, or you may contribute half and take the rest half from the organization. Employees also have the choice to opt out of this group plan if they wish. But to start a group plan like this, at least 5 or 10 people are needed.
A group life insurance company usually comes with fairly low coverage, somewhere between 1-2 times your salaries. Employees can add their own life insurance to this plan if they think it’s not going to be enough. Every employee also has the right to change the beneficiary for their particular plan whenever they want.
Employees are benefited in several ways by the group life insurance plan. As this is a group plan, the insurer doesn?t take into consideration any individual person?s responsibility. An organization is in fact taken in assessment as a whole, and the premium rates are accordingly fixed. None of the employees can be deprived of their coverage, so that everyone can enjoy the benefits. Incase an employee quits job, they may get their policy renewed again with the same organization within a month of quitting job.
Getting a group life insurance policy is simple. Look around to find the best rates and settle on which insurer meets all your requirements. After you have found a suitable company, you may create a team of employees who wish to take part in the plan. You will be responsible to gather all details about employees who are interested to take part in the plan. You will have to furnish the insurance company with some details, like the nature of the business, so that the insurers may know how risky the workers of the company are. When you get new employees, you may even get them involved in the plan. All they need to do is fill up some forms
If a worker quits the company, they continue with the plan even after that, but they will have to get it changed to a private policy. The employee can get the changes done within 30 days of leaving the job and start making self- payments. The premiums may get higher but they will be covered under the same company.
The group life insurance policy is a means of making your organization more advantageous. This can be taken as a fringe benefit offered to anyone who is appointed. The staff will stay for long in the company, and this will let you save time and money on recruitment and training. There are several company group life insurance policies that come along with a disability plan, which you may also club with your insurance plan.
Tags: a, death cover, disability cover, e, f, family, finance, h, health, health insurance, i, insurance, l, life cover, life insurance, m, money, o, p, personal finance
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Saturday, May 23rd, 2009
by A Nutt
When Canadian students travel abroad for either work or education, they need to be aware of the risks associated with visiting another country so they can make the necessary arrangements to ensure that they are protected. Incidents while traveling abroad can include an accident, illness, and lost or stolen items. Most educational institutions require that students have travel insurance before embarking on a trip abroad. A provincial health insurance may not cover students for certain events. In these cases, a student needs to have the right travel insurance.
The most important reason for acquiring Canadian Travel Insurance is to ensure the proper and sufficient medical coverage in the event of an accident or illness. Student medical insurance within a travel insurance policy can cover such events as injury or sickness, requiring an emergency hospital stay, emergency medical treatment, and basic healthcare needs. Policies can vary, but students can obtain up to $5,000,000 (CAD) coverage.
Medical expenses account for the largest proportion of claims made by those who travel abroad. Depending on the providers policy, a students coverage can include: emergency medical and dental treatment, assistance locating a doctor, prescription drug reimbursement, ambulance transport, eye examination, hospital stay and treatment, emergency air transport coverage, accidental death coverage which includes the cost of remains to be transported home, coverage for families who want to visit the student in the hospital, as well as the services of a psychiatrist, rehabilitation facility, and much more.
Other coverage that can be provided in a travel insurance policy can include: trip cancellation reimbursement, trip disruption expenses, vehicle return, baggage insurance, emergency evacuation, rental car protection, lost or stolen items such as travelers checks, credit cards, passport, iPods, digital cameras, adventure sport equipment, and more.
When one is traveling outside of Canada, provincial health insurance will generally cover less than 7% of the total cost if they become gravely sick or injured. This is a very small amount because in most medical emergencies, fees can be quite high. Without student travel insurance that includes a quality health care coverage, a student could find themselves deeply in debt, in the middle of a medical nightmare, or even stranded in a foreign country. Nothing makes things worse than if you suddenly develop food poisoning, a painful cavity, or lost your glasses, while in another country. Some hospitals may not even treat a person who does not have medical coverage or the cash to pay for treatment and services.
If you are a student planning a trip abroad either overseas or even to the United States, not having the appropriate travel insurance can lead to a host of problems. If you are a Canadian student planning to study or work abroad, acquiring travel insurance should be at the top of your list of things to do. The last thing you want to happen is to find yourself in a serious situation far away from home. The right travel insurance will be one less thing you will have to worry about and will help prevent unexpected bad situations from becoming much worse. It will allow you to have a stress free trip and make the most of your time living and learning in a foreign country.
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