3.23.2009

Life Insurance - Never Too Early to Be Late

Some people have made this very terrible mistake of thinking they are too young to take up a life insurance policy. How much more false can this be? Death records can prove you wrong in an instant. As far as I am concerned, once you have loved ones who are dependent on you, you need to get a life insurance cover. Your major concern should be getting enough coverage and getting an affordable life insurance coverage.

Some things you need to note as a young person is not that you are too young but that you can capitalize on your youth to get a lower life insurance rate.

Here are some steps to take to ensure you get lower rates.

Usually the first thing to do when searching for affordable life insurance coverage is to do just that - search.

You could search wrongly and end up frustrated and stressed out. This is the first step and also a very important step especially if you are new to it and don't understand much about it. The more you search, the more you get to know. For an older user, their first step would be to determine the exact amount of coverage they need before shopping to compare rates.

So you need to search. Do so online by visiting free quotes sites and comparing quotes from different insurers.

As a young person, you are by default thought to be healthy and therefore not likely to make a claim soon. After taking up a policy, it is necessary to stay healthy and fit as this would ensure your rates stay low.

When you have had your policy for sometime, it is very necessary to constantly review your policy to know -

1. If your coverage is still adequate. ( there might be additions to your family by birth or otherwise)
2. If your coverage is still a good deal compared with other insurers
3. If there is a way you can lower your rates by cashing into discounts you could now qualify for that you did not when you got the policy.

You really need to keep in touch with reality and your policy otherwise you could wake up one day and discover that you have been hugely overpaying on your life insurance coverage.

Always make sure you are well covered so as not to jeopardize the future of your loved ones. At the same time, make sure that you are getting the best deal possible.

From time to time, visit free quotes comparison sites and compare quotes. this would keep you abreast with the reality of things in the insurance world. Make sure you visit between 4 and 5 sites to get a much better idea of rates available.

Here are two great sites to start your quotes comparison

Affordable Life Insurance Quotes!

Affordable Insurance Quotes!

Chimerenka Odimba is the publisher Several finance based sites

Chimerenka Odimba - EzineArticles Expert Author

3.19.2009

Convention Hotels For Your Business

Business works are quite time consuming and very tedious. One of the things that businessmen do is join seminars and conventions that help them improve their craft. Others make their own seminars and conventions to train their employees to become more efficient.

To be able to organize such conventions or seminars, they would need to have a big space or place where the event will take place. It should be big enough to accommodate all the participants. They should also have the right equipment needed for the convention. It would include a very dependable sound system, computer, visual aid equipment and many more.

Aside from the technicalities, any business gathering will also require some food to feed the participants, hosts or speakers, and organizers.

Here are some of the hotels considered convention hotels because they focus more on providing venues for business purposes.

Hotel de Vendome

This hotel is located at the Central Paris, France. It is called Hotel de Vendome because it is located in Vendome. This hotel has an opulent design both in the inner and outer portion of the hotel. Its lobby is fully marbled and lighted with many crystal chandeliers.

This hotel only has twenty nine guestrooms despite the fact that it is a five storey hotel. All their rooms are wood paneled. It is decorated with designer fabrics. Each has antique furniture and tapestries. Almost all the things in their hotel are remotely controlled. This includes the lights, curtains and music.

The hotel offers meeting rooms and also presidential suite for conferences. Their business center not only has complete facilities, they also have complimentary newspapers and translation services. These are all included in their conference packages.

Hotel de Vendome has the Grand Vendome Restaurant and bar the style of a traditional British Club. It is adorned with Chesterfield furniture. Its wood panel is made of Mahogany. The breakfast served maybe continental or American buffet. Lunch and dinner can be done in their restaurant that serves French Gourmet Cuisines. They also serve Live Jazz played by their Pianist on Thursdays to Saturdays evening.

This hotel offers free charge to children below five years old. They allow pets with a minimum fee. There is medical assistance available. You can also have computer rentals in here.

Here are some of the area attractions of the Hotel: Jardin Des Tuileries, Place De La Concorde, Place De La Madeleine, Champs Elysees, Palais Royal, and Notre-dame Cathedral.

Gioberti Hotel

The main feature of this hotel is the garden and television room on site. They have a total of eighty two guestrooms, all fully air conditioned. These guest rooms feature tiled floors and furnishing of very traditional designs. All rooms have mini bars. They serve daily complementary newspapers. Their bathrooms are complete with bathrobes and complementary toiletries.

The hotel has a meeting room that can accommodate up to twenty five people only. There are complimentary newspapers provided in the lounge.

Gioberti Bar serves all kinds of drinks and snacks. They have complimentary continental buffet breakfast too. This breakfast includes cold cuts, cheese and breads too.

Children of 2 years old and below are admitted for free. The hotel does not allow pets. They provide tour assistance for all their visitors.

Nearby are many beautiful attractions worth seeing, like the Basilica Of Santa Maria Maggiore, Piazza Della Republica, Coliseum, Trevi Fountain, Spanish Steps, Piazza Navona And Pantheon, and St. Peter's Church And Vatican Museum.

For more information on Convention Cruises and Convention Flights please visit our website

WELCOME TO MALANG REGENCY TOURISM


Malang is one of clean and cool cities in East Java has, without any doubt, been famous since long time ago. Historical remmants scattered around Malang Showing that it hat played important roles in may eras and stretching out from 112° 17' 10,90° up to 112° 57' 0,00° east Longitude and extending from 7° 44' 55,11° up to 8° 26' 35,45° South Latitude.

Malang regency is bordered by Blitar and Kediri Regencies on the West; Jombang, Mojokerto and Pasuruan Regencies on the North; Probolinggo and Lumajang Regencies on the East and Indian Ocean on the South.

Malang is known with its beautiful beaches. There are many tourists who always visit Malang's beaches in holiday. The beaches are Ngliyep beach, Balekambang beach, and Sendang Biru beach.
Then the foreign tourists are commonly interesting to Malang's temples that save the historical value of the past Kingdom in Malang regency, they are; Singosari temple, Jago temple, Kidal temple, etc. Beside that, Malang still has a lot of tourism objects that will attract you to visit it. Coban Rondo waterfall, Wonosari tea plantation, Wendit pool, mount Kawi, mount Bromo panorama, Coban Pelangi waterfall, Karangkates recreation park, and the others, are Malang's interesting places that presents their nature scenery.

Also visit Malang City Tour that offers its interesting places such as; City Hall, Monument Juang'45, bird and flowers market, senaputra park, kayu tangan complex, City Square, Senaputra Park, etc.

http://www.eastjava.com/tourism/malang/

3.18.2009

What to Look For in Travel Health Insurance

This article is as a response to the plethora of articles and websites out there regarding Travel Health Insurance.

As somebody relatively new to the "insurance" field (i come from a background of life assurance and medical aid), I consider it important to understand what it is, that should be looked for in Travel Health Insurance?

Especially so, as in South Africa, many medical aids cover you for 90 days out of the country (International coverage) for medical expenses. You also get "free" travel insurance from the banks (underwritten by insurance companies) when you buy your travel ticket on your credit card.

So...my first question is "Why do I want to buy Travel Health Insurance?"

In answering that, I would say that it is because I want Certainty that if something happens to myself or my fellow travellers that requires medical treatment, that the cost is borne by my insurance.

Imagine the alternative...being 'stranded' in a strange country, not being able to speak the language and having no Travel Health Insurance!

Not hard to imagine is it?

I would probably have a heart attack from the stress.

So Advantage no. 1 is that I would buy Travel Health Insurance for CERTAINTY.

Then, I would look at the product and ask myself a few further questions:

How much cover do I need?

As the medical event/ accident would be unplanned. How could I possibly answer this, I simply do not know.

So I would want unlimited cover. And to make sure that the insurance company would pay the actual cost of my care (within acceptable reason).

After all, why are there limits on cover? Purely for the insurance company to limit its risk.

Will the insurance company arrange payment directly with the hospital/provider? If I am seriously injured, I am going to want to know that I am being taken care of, without needing to arrange everything myself.

I am at a loss even trying to negotiate with a street vendor!

Then, just in case I am going to a place where the medical care might not be of a high standard...

Will the insurer pay for me to be evacuated to a place where I can be properly cared for?

If necessary, can I be repatriated to my home country?

I also know that when I am travelling that I don't have much in the way of excess money, so I do not want a deductible on my insurance. What would happen if I couldn't pay the deductible?

I like to try different things so I don't want any restrictions on hazardous pursuits, because while I am travelling, I want to be able to enjoy myself (even if it includes a little bungy jumping, skiing or parasailing) and I Do not want to spend my time worrying about my insurance cover.

I hope that this helps when you are looking at buying Travel Health Insurance. The questions are usually answered with different priorities for different people, but it helps to consider them just the same.

Always remember to check your policy conditions and to be happy with them before you travel. However, the more conditions, the more I am put off.

Happy travelling!

Kenny Williamson began his insurance career in the commissions area at Southern Life in 1989. He then fulfilled different roles within the "Agency Field" area

In 2001, Southern Life was amalgamated with Momentum Life and Kenny stayed on to help ensure the smooth transition of the Southern Life Agency Force payroll to Momentum Life. Thereafter, he was contracted to Capital Alliance to help ensure the remainder of the Southern Life Agency force payroll was smoothly integrated there

After the stint at Capital Alliance, he went on sabbatical to Israel and spent time with Mother Nature in a Kibbutz, finishing this with an exploratory trip to Ireland. On his return to South Africa, he became a consultant with Discovery Consulting Services Peninsula, at which he excelled for three and a half years

In 2007, he left to join a brokerage and get 'closer' to the client. He now runs his website http://www.businessowner-cover.com and comments on industry issues

3.17.2009

Cheapest Medical Insurance - Steps to Qualify

You will get the most affordable rate possible for your profile if you discover and implement certain things. I'll reveal a number of you have to do if you want massive discounts that won't put you and yours at risk...

The use of tobacco in any form will increase your rates. Chewing or snuffing tobacco, for instance will cost you in higher rate.

Staying off all tobacco products will help you get less expense in health insurance.

Some persons are not poor enough to qualify for plans for low-income earner and as well have financial challenges that make traditional health insurance hard to pay fo. A discount medical card is a cheaper alternative for such people.

With these cards you get medical attention from a network of health care professionals who have agreed to render services to card carriers at reduced rates. This card is not managed by an insurance company.

It's as well a wise choice for those who may have a pre-existing ailment that will disqualify them from most health insurance carriers or make them attract prohibitive rates. This kind of card does not exclude anyone for any reason. All you are expected to do is pay a small monthly fee and you will benefit from the services of a network of health care providers at a reduced rate.

A Flexible Spending Account helps you as you search for opportunities to save. This kind of account allows you to save tax-free dollars specifically for your health needs. Any money not used could be rolled over into the subsequent year (still tax free). With this you can actually build up a reasonable amount to meet your health care needs.

What amount can you pay out of your pocket each time you see the doctor? This is known as your co-pay. Your rate will be cheaper if you choose a higher co-pay. This is seriously recommended for those who hardly go to see a doctor.

Are the limits of your policy unreasonable? What a company will spend if an insured develops cancer or other catastrophic diseases should be given due consideration. Shop for a better insure and do not just settle for it if you consider what they have as their limits are unreasonable.

In the same vein, ensure that it has a reasonable maximum amount you'll be expected to pay for medical treatments within a year. Like in the other case, start shopping for another health insurance provider if you are not satisfied.

Don't forget...

Make out some time to visit at least five insurance quotes sites that offer quotes on health insurance policies. It should take you not more than 25 minutes.

As you visit each quotes site, ensure you give the same details. Doing otherwise will return misleading quotes. When you've received your health insurance quotes, compare them to see which serves your interest best both in price and value.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

Chimezirim Chinecherem Odimba - EzineArticles Expert Author

Health Insurance - Factors That Lower Costs

There are a number of ways to cheaper but adequate coverage. But while many of them may save you some money, they could leave you with inadequate coverage. However, in this article, I'll share a few time-tested ways of paying less and at the same time have sufficient coverage. Here they are...

An outstanding credit rating will reflect favorably on your rate. Having a poor credit history is simply making hard for yourself in addition to the fact that your premium will be much higher. The simple reason for this is that there is a general consensus among most insurance carriers that there is a correlation between poor credit rating and high risks. Once you are seen as bad risk you will attract higher premiums.

Some states offer home business owners a chance to bring down their cost. This is because home based businesses are given the same low rates that insurance companies offer their bigger counterparts.

And all it requiries for your home business to be eligible is just one employed worker.

The good part is that the member of staff could be your spouse or your older child who works with you. The good thing is that such a worker mustn't work full time for you to be eligible.

This alternative gives cheaper rates considering that group rates are usually lower than rates for individuals.

You can check if home businesses that are qualified for group rates in your state by visiting your state's department of insurance or its equivalent.

For individuals who are self employed, your premiums may be tax-deductible. If your employer offers a flexible spending account then might entitle you to a tax break. Consult a tax professional. This will help you know for sure what will entitle you to a tax break and what won't.

Registering with an HMO will help lower your cost. They are normally more affordable than buying traditional health insurance. Nevertheless, joining an HMO means you are restricted to the use of only doctors, other health care professionals and hospitals that are part of the network.

For those who want total freedom of choice in who and where to get medical care, a traditional health insurance plan is still your best bet.

For such people, cost can be reduced by a great margin if they take the time out to shop extensively for the best rates in traditional health insurance. If you shop extensively you'll pay far less for any plan you choose.

But if cutting cost is priority, then go with an HMO as it is generally less expensive than traditional health insurance.

There are booklets on health care and insurance that the government publishes every year. You will understand more about what affects your health and health insurance policy if you can get such publications. And, with better information, you and yours can take steps that will help you prevent some health conditions, live a healthier life and eventually bring down your health care budget. Once these is the case, you will attract lower rates.

Your drug cost may sometimes be cheaper than your co-pay. There are instances where it will cost you less if you don't use your insurance but buy a prescription from your purse. Use the option that gives you bigger savings.

Do you best to compare before you use your insurance.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

Chimezirim Chinecherem Odimba - EzineArticles Expert Author