Health Insurance Innovations ipo stock prices

Best Insurance stock - Health Insurance Innovations ipo stock prices : Health Insurance Innovations Inc. said it expects to raise up to $72.9 million in an initial public offering. The company plans to sell about 5.4 million shares, at between $14 and $16 a share, according to its most recent filing with the U.S. Securities and Exchange Commission. The shares include 700,000 that underwriters would have an option to purchase to cover over-allotments.

The firm would use $3.5 million of the net proceeds to repay outstanding debt under a term loan and up to $25 million to expand its commission structure, with the rest used for general corporate purposes.

Health Insurance, a Tampa company that develops and administers affordable, Web-based health insurance plans and ancillary products, filed for an IPO in late December.

The company has applied to list its common stock on the NASDAQ Global Market under the symbol “HIIQ.” An expected sale date for the shares was not announced.

Health Insurance Innovations shares prices, Health Insurance Innovations stocks symbol, Health Insurance Innovations stock prediction the general auto insurance

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Details of IRB Re-Insurance Co Privatization

Best Insurance stock - Details of IRB Re-Insurance Co Privatization  : The Brazilian government's National Development Bank, or BNDES, on Wednesday released details of its planned privatization of re-insurance company IRB-Brasil Re, based on an initial public offering of shares.

The privatization process will take place via an increase in IRB's capital. The BNDES set the price of each new share at 2,577 Brazilian reais ($1,263). The government authorized a capital increase of between 2% and 15% for IRB.

Brazil's largest banks, including state-run banks Banco do Brasil SA (BBAS3.BR) and Caixa Economica Federal, and private-sector peers Banco Bradesco SA (BBD) and Banco Itau Unibanco SA (ITUB), will almost certainly gain day-to-day control of IRB after the privatization, according to analysts. IRB has a 40% market share in the re-insurance industry in Brazil.

The federal government, meanwhile, will hold a golden share in IRB. With the golden share, the government will keep a veto power over all key decisions, such as any eventual sale of control.

Currently, the government has a stake of 50% in IRB, while Bradesco has a 21% stake, Itau Unibanco holds a 15% stake and other small insurance companies a 14% stake.

The government said that it won't participate in the capital increase, paving the way for banks to increase their stake in IRB. IRB employees will be allowed to participate in the capital increase, along with the major banks.

"The process will provide IRB better conditions to compete in the re-insurance market, considering the new regulatory environment in which the IRB no longer enjoys exclusive rights over re-insurance," the BNDES said in its statement.

IRB, created in 1939, operated as Brazil's sole re-insurer until 2008, when the government opened the local re-insurance market to private competitors.

Under the rules, the government said IRB will have a period of five years in which to list the company's shares. If the shares aren't listed by the end of that period, then the company's controllers will be obliged to buy back any and all shares acquired by employees. Employees can reserve IRB shares from Feb. 4 to Feb. 14. cheap car insurance quotes

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World Bank insurance program in disaster prone Haiti

World Bank insurance program in disaster prone Haiti : an arm of the World Bank next week will unveil a $1.96 million project that aims to help thousands of low-income entrepreneurs in Haiti protect their livelihoods against natural disasters.

The International Finance Corporation says the program is much-needed. Only 0.3 per cent of Haiti's 10 million people have some form of insurance, one of the world's lowest rates.

Small entrepreneurs are particularly vulnerable to uninsured losses, and can default on debts and be disqualified from future loans when they need money to recover.

The insurance will be distributed through the Haitian microfinance institution Fonkoze, and is supposed to help up to 70,000 people over the next three years. The IFC made the announcement Friday. Details will be released next week. long term care insurance 

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Selective Insurance Group financial results ended December 31, 2012

Selective Insurance Group financial results ended December 31, 2012 : Selective Insurance Group, Inc. (NASDAQ:SIGI) today reported its financial results for the fourth quarter and year ended December 31, 2012.  For the quarter, net income per diluted share was $0.02 and operating loss1 was $0.04.  Net income for the year was $0.68 per diluted share and operating income1 was $0.58 per diluted share.  Overall net premiums written grew 5% in the quarter and retention was up a point to 85%.


“Hurricane Sandy was the most significant event in company history, yet we still ended the quarter with positive net income – a testament to our strong underlying insurance operations performance and our comprehensive reinsurance program,” said Chairman, President and Chief Executive Officer Gregory E. Murphy.  “For the quarter, Sandy resulted in net catastrophe losses of $47 million and a reinsurance reinstatement premium of $9 million; partially offset by flood claims handling fees of $16 million; resulting in an overall, pre-tax, net loss of $40 million and $0.46 per diluted share after tax.  Sandy contributed 9.8 points to the combined ratio for the quarter, but only 2.5 points to the year, yielding an overall fourth quarter statutory combined ratio of 110.4%, excluding the impact from Sandy2 it was 100.6%.

“The hurricane made landfall in our top market share state of New Jersey,” said Murphy.  “Our Claims and Flood departments have been working tirelessly to resolve claims quickly and fairly, and to inform flood customers of the federally mandated National Flood Insurance Program’s claims process.  Personal lines received approximately 8,000 claims and have closed 85% and commercial lines received approximately 5,000 claims and have closed 62%.

“We were pleased with our overall performance in the quarter, delivering a statutory combined ratio of 100.6%, excluding the impact of Sandy2.  Personal lines led the positive results with a combined ratio of 93.9%, excluding Sandy2, and renewal price that increased 8.3% for the quarter.  In personal lines, we continue to file rate increases as well as improve the mix of business and expand the number of agency storefronts,” said Murphy.

“For the quarter, standard commercial lines had a combined ratio of 101.1%, excluding Sandy2,” continued Murphy.  “We completed our 15th consecutive quarter of price increases with standard commercial lines renewal price up 6.7%, and 6.2% for the year.  Our granular pricing strategy and sophisticated underwriting, as well as our strong agency relationships, has given us an edge over the past several years that continues to pay off in strong results.

“Investment income for the quarter was $26 million, after tax, compared to $23 million in the fourth quarter 2011, due to improved performance in the alternative investment portfolio.  For the year, investment income, after tax, was $100 million.  We continue to manage our investment income through a very low interest rate environment without unduly adding more credit or duration risk,” concluded Murphy.

Fourth Quarter Highlights 2012 Compared to Fourth Quarter 2011

    Net income of $1.3 million, or $0.02 per diluted share, compared to $18.0 million, or $0.33 in 2011
    Operating loss1 of $2.3 million, or $0.04 per diluted share, compared to operating income1 of $20.4 million, or $0.37 in 2011
    Combined ratio: GAAP: 109.0% compared to 97.9% in 2011; Statutory: 110.4% compared to 98.7% in 2011
    Combined ratio excluding the impact of Hurricane Sandy2: GAAP 99.3%; Statutory 100.6%
    Favorable prior year statutory reserve development on our casualty lines totaled $2 million compared to $10 million in 2011
    Total net premiums written (NPW) were $370.6 million, which were reduced by the reinstatement premium related to Hurricane Sandy of $8.6 million
        Standard Commercial Lines NPW were $273.2 million
        Standard Personal Lines NPW were $68.1 million
        Excess and Surplus Lines NPW were $29.4 million
    Catastrophe losses were $33.8 million, after tax, including $30.3 million for Hurricane Sandy
    Gross pre-tax catastrophe losses from Hurricane Sandy were $136 million
    Flood net income of $12.0 million, after tax, including $10.1 million for Hurricane Sandy
    Investment income, after tax, was $26.3 million
    Net realized gains, after tax, totaled $3.6 million

Year-End Highlights for 2012 Compared to Year-End 2011

•     Net income was $38.0 million, or $0.68 per diluted share, compared to $22.0 million, or $0.40 in 2011
•     Operating income1 was $32.1 million, or $0.58 per diluted share, compared to $21.2 million, or $0.38 in 2011
•     Combined ratio: GAAP: 104.0% compared to 107.2% in 2011; Statutory: 103.5% compared to 106.7% in 2011
•     Combined ratio excluding the impact of Hurricane Sandy2: GAAP 101.5%; Statutory 101.0%
•     Favorable prior year statutory reserve development on our casualty lines totaled $17 million compared to $29 million in 2011
•     Total NPW were $1,666.9 million, which were reduced by the reinstatement premium related to Hurricane Sandy of $8.6 million
•         Standard Commercial Lines NPW were $1,263.7 million
•         Standard Personal Lines NPW were $289.9 million
•         Excess and Surplus Lines NPW were $113.3 million
•     Catastrophe losses were $64.1 million, after tax, including $30.3 million for Hurricane Sandy
•     Flood net income of $19.1 million, after tax, including $10.1 million for Hurricane Sandy
•     Investment income, after tax, was $100.3 million
•     Net realized gains, after tax, totaled $5.8 million for the year

Balance Sheet and Guidance
At December 31, 2012, Selective’s assets were $6.8 billion, up 20% over prior year primarily due to reinsurance recoverables of $1.4 billion, compared with $0.6 billion in 2011, and $4.3 billion in the company’s investment portfolio, which increased 5% compared to December 31, 2011.

Stockholders’ equity was up 3% for the year to $1.1 billion and book value per share increased 2% to $19.77.  Statutory surplus was down 1% in 2012 to $1.1 billion.

Selective’s Board of Directors declared a $0.13 per share quarterly cash dividend on common stock payable March 1, 2013 to stockholders of record as of February 15, 2013.

Selective expects to generate a 2013 full year statutory combined ratio, excluding catastrophes, of 96.0%.  We currently estimate catastrophe losses will add three points to that ratio.  In addition, investment income will be down slightly to $90-$95 million.  Anticipated weighted average shares at year end 2013 of 56 million.

The supplemental investor packet, including financial information that is not part of this press release, is available on the Investor Relations’ page of Selective’s public website at www.selective.com.  Selective’s quarterly analyst conference call will be simulcast at 8:30 a.m. ET, on February 1, 2013 at www.selective.com.  The webcast will be available for rebroadcast until the close of business on March 1, 2013.

About Selective Insurance Group, Inc.
Selective Insurance Group, Inc. is a holding company for ten property and casualty insurance companies rated “A” (Excellent) by A.M. Best.  Through independent agents, the insurance companies offer primary and alternative market insurance for commercial and personal risks, and flood insurance underwritten by the National Flood Insurance Program.  Selective maintains a website at www.selective.com.

Forward-Looking Statements
In this press release, Selective and its management discuss and make statements based on currently available information regarding their intentions, beliefs, current expectations and projections regarding Selective’s future operations and performance.

Certain statements in this report, including information incorporated by reference, are “forward-looking statements” as that term is defined in the Private Securities Litigation Reform Act of 1995 (“PSLRA”).  The PSLRA provides a safe harbor under the Securities Act of 1933 and the Securities Exchange Act of 1934 for forward-looking statements.  These statements relate to our intentions, beliefs, projections, estimations or forecasts of future events or our future financial performance and involve known and unknown risks, uncertainties and other factors that may cause our or our industry’s actual results, levels of activity, or performance to be materially different from those expressed or implied by the forward-looking statements.  In some cases, you can identify forward-looking statements by use of words such as “may,” “will,” “could,” “would,” “should,” “expect,” “plan,” “anticipate,” “target,” “project,” “intend,” “believe,” “estimate,” “predict,” “potential,” “pro forma,” “seek,” “likely” or “continue” or other comparable terminology.  These statements are only predictions, and we can give no assurance that such expectations will prove to be correct.  We undertake no obligation, other than as may be required under the federal securities laws, to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Factors that could cause our actual results to differ materially from those projected, forecasted or estimated by us in forward-looking statements, include, but are not limited to:

•     difficult conditions in global capital markets and the economy;
•     deterioration in the public debt and equity markets and private investment marketplace that could lead to investment losses and fluctuations in interest rates;
•     ratings downgrades could affect investment values and therefore statutory surplus;
•     the adequacy of our loss reserves and loss expense reserves;
•     the frequency and severity of natural and man-made catastrophic events, including, but not limited to, hurricanes, tornadoes, windstorms, earthquakes, hail, terrorism, explosions, severe winter weather, floods and fires;
•     adverse market, governmental, regulatory, legal or judicial conditions or actions;
•     the concentration of our business in the Eastern Region;
•     the cost and availability of reinsurance;
•     our ability to collect on reinsurance and the solvency of our reinsurers;
•     uncertainties related to insurance premium rate increases and business retention;
•     changes in insurance regulations that impact our ability to write and/or cease writing insurance policies in one or more states, particularly changes in New Jersey automobile insurance laws and regulations;
•     recent federal financial regulatory reform provisions that could pose certain risks to our operations;
•     our ability to maintain favorable ratings from rating agencies, including A.M. Best, Standard & Poor’s, Moody’s and Fitch;
•     our entry into new markets and businesses; and
•     other risks and uncertainties we identify in filings with the United States Securities and Exchange Commission, including, but not limited to, our Annual Report on Form 10-K and other periodic reports.

These risk factors may not be exhaustive.  We operate in a continually changing business environment, and new risk factors emerge from time-to-time.  We can neither predict such new risk factors nor can we assess the impact, if any, of such new risk factors on our businesses or the extent to which any factor or combination of factors may cause actual results to differ materially from those expressed or implied in any forward-looking statements in this report.  In light of these risks, uncertainties and assumptions, the forward-looking events discussed in this report might not occur.

Selective’s SEC filings can be accessed through the Investor Relations’ section of Selective’s website, www.selective.com, or through the SEC’s EDGAR Database at www.sec.gov (Selective EDGAR CIK No. 0000230557).

1 Operating income differs from net income by the exclusion of realized gains or losses on investments and the results of discontinued operations. It is used as an important financial measure by management, analysts and investors, because the realization of investment gains and losses on sales in any given period is largely discretionary as to timing. In addition, these investment gains and losses, as well as other-than-temporary investment impairments that are charged to earnings and the results of discontinued operations, could distort the analysis of trends. Operating income is not intended as a substitute for net income prepared in accordance with U.S. generally accepted accounting principles (GAAP). A reconciliation of operating income to net income is provided in the GAAP Highlights and Reconciliation of Non-GAAP Measures to Comparable GAAP Measures. Statutory data is prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners Accounting Practices and Procedures Manual and, therefore, is not reconciled to GAAP.

2 The Hurricane Sandy impact includes catastrophe losses, reinstatement premium on the catastrophe reinsurance program and the flood claims handling fees generated as a result of Hurricane Sandy. cheap auto insurance

Source http://www.dailymarkets.com

READ MORE - Selective Insurance Group financial results ended December 31, 2012

Zacks downgraded Rating Stock of Meadowbrook Insurance Group

Zacks downgraded Rating Stock of Meadowbrook Insurance Group : Zacks downgraded shares of Meadowbrook Insurance Group (NYSE: MIG) from a neutral rating to an underperform rating in a report issued on Thursday. They currently have $6.00 target price on the stock.

Meadowbrook Insurance Group traded down 0.95% on Thursday, hitting $6.27. Meadowbrook Insurance Group has a 1-year low of $5.21 and a 1-year high of $10.19. The stock’s 50-day moving average is currently $5.98. The company’s market cap is $312.1 million.

Meadowbrook Insurance Group, Inc. (Meadowbrook) is a specialty focused commercial insurance underwriter and insurance administration services company. individual health insurance

To view Zacks’ full report, visit www.zacks.com

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Insurance claims from the latest Queensland floods

best insurance stock - Insurance claims from the latest Queensland floods have already topped $27 million, as river levels continue to rise in large parts of the state. As of Monday morning, "just shy of 3000 claims" had been lodged relating to losses in Queensland, said Campbell Fuller, general manager for communications at the the Insurance Council of Australia.

The total claimed losses are likely to be "well north of $40 million", he said. "Rivers are still rising across south-eastern Queensland," he said, adding that flood waters were yet to peak at Ipswich and much of Bundaberg remained underwater.

Heavy rain is also falling over much of New South Wales as the remnants of former tropical cyclone Oswald move south.

The Bureau of Meteorology has posted a severe weather warning for destructive winds, heavy rain and abnormally high tides over a wide area stretching from the Illawarra to the Northern Rivers region.

The council yesterday declared a catastrophe for large parts of Queensland affected by storms and inundation. The declaration means insurers have set up a taskforce to co-ordinate their response to recovery efforts.

The floods are the third catastrophe declared so far this year following severe bushfires in south-eastern Tasmania and northern NSW. The council has declared six catastrophes in Queensland for flooding and cyclone damage since 2010, with losses reaching almost $4 billion.

Insurers and re-insurers have singled out water - either too much or too little of it - as the main risk from extreme weather in Australia.

The council, in particular, has been calling for increased spending on efforts to limit the damage from flooding, such as the construction of flood levees around flood-prone towns.

Despite those calls, Mr Fuller said, there had not been much money spent in Queensland since the last big floods there in 2011.

"I'm unaware of any substantive mitigation that has taken place over the past two years," he said.

The ICA has set up a disaster hotline on 1800 734 621 to help people identify their insurer and their coverage, particularly for those unable to access their own records because of the floods Source http://www.watoday.com.au rental car insurance

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The negative side of bank mortgage insurance

The negative side of bank mortgage insurance : Mortgage life insurance isn’t very popular and it has more than a few detractors. For one thing, the premium payments typically remain constant even though your death benefit drops. What seemed like a bargain when you first took the insurance, and your mortgage, becomes less so as the loan balance and the insurance death benefit drop.

Another concern is that the insurance benefit will be payable to your lender upon your death, not to your dependents. That limits the desirability of having this type of insurance.

While it may be good to have your mortgage paid off upon your death, your dependents may have other, more pressing concerns. They will not be able to address those concerns with a mortgage life insurance policy. read How does mortgage life insurance work

Is it worth having?

For most people mortgage life insurance shouldn’t be necessary. You can instead take the largest term life insurance policy you can afford and use part of the proceeds to payoff the mortgage on your home at your death, if that’s what you and your survivors agree upon. However your dependents will not be locked into paying off the mortgage, should they decide against doing so.

A straight term life insurance policy give them the flexibility to allocate the money wherever it’s most needed. Maybe that’s the mortgage, and maybe it’s not, but they’ll have that option.

If you don’t have a whole lot of confidence that your survivors will allocate the life insurance proceeds wisely, then mortgage life insurance can be a consideration. Since the proceeds will be allocated directly to payoff the mortgage event of your death, you will be able to know that it will happen as you wish.

Your survivors might still blow through other insurance proceeds, but at least you can know that the mortgage on a house will be paid for. car insurance quotes online

READ MORE - The negative side of bank mortgage insurance

How does mortgage life insurance work

best insurance stock - How does mortgage life insurance work : The best way to think of mortgage life insurance is that it is term life insurance with a single purpose: to payoff your mortgage in the event of your death.

A mortgage life insurance policy is tied to your mortgage in almost every way. At the time that you take your mortgage, whether on a purchase or refinance, the death benefit on insurance policy is set up to match the amount of your mortgage loan.

However, the death benefit will decline as your mortgage is paid down. Once your mortgage is paid off, the life insurance goes away.

In the event of your death, the proceeds of the policy will go right to your lender to payoff the mortgage on your house.

As to the specifics, there are variations depending on which insurance company you use as well as the particulars in your situation. It’s also important to remember that while a lender may recommend that you get mortgage life insurance, you are not required to get it. It is strictly optional coverage. health insurance california

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Selective Insurance Group SIGI Stock rating price target by RBC Capital

best insurance stock - Selective Insurance Group SIGI Stock rating price target by RBC Capital : Selective Insurance Group (NASDAQ: SIGI) had its target price upped by RBC Capital from $20.00 to $23.00 in a report released on Monday. RBC Capital currently has a sector perform rating on the stock.

Separately, analysts at Zacks upgraded shares of Selective Insurance Group from a neutral rating to an outperform rating in a research note to investors on Tuesday, January 8th. They now have a $21.50 price target on the stock.

One analyst has rated the stock with a buy rating, and six have assigned a hold rating to the stock. The company currently has an average rating of hold and an average target price of $20.40.

Selective Insurance Group traded down 0.77% on Monday, hitting $21.82. Selective Insurance Group has a 52-week low of $16.22 and a 52-week high of $22.08. The stock’s 50-day moving average is currently $19.85. The company has a market cap of $1.200 billion and a price-to-earnings ratio of 23.17.

Selective Insurance Group last announced its earnings results on Thursday, January 31st. The company reported ($0.04) earnings per share for the quarter, beating the analysts’ consensus estimate of ($0.17) by $0.13. The company had revenue of $449.00 million for the quarter, compared to the consensus estimate of $394.86 million. During the same quarter last year, the company posted $0.33 earnings per share. Selective Insurance Group’s revenue was up 12.1% compared to the same quarter last year. On average, analysts predict that Selective Insurance Group will post $1.51 earnings per share for the current fiscal year.

The company also recently declared a quarterly dividend, which is scheduled for Friday, March 1st. Stockholders of record on Friday, February 15th will be given a dividend of $0.13 per share. This represents a $0.52 dividend on an annualized basis and a yield of 2.36%. The ex-dividend date of this dividend is Wednesday, February 13th.

Selective Insurance Group, Inc. is a holding company of seven insurance subsidiaries. The Company, through its subsidiaries, offers property and casualty insurance products and services in the East and Midwest of the United States. direct auto insurance

READ MORE - Selective Insurance Group SIGI Stock rating price target by RBC Capital

Insurance stock prices analysis today

Best Insurance Stock  - Insurance stock prices analysis today : Metlife Inc stock prices analysis, Genworth Financial Inc ,  Lincoln National Corporation (NYSE:LNC) , ING Groep N.V. (ADR) (NYSE:ING) : Metlife Inc (NYSE:MET) stock is at $37.23, down-2.06 percent from its previous close of $38.20. Its today’s volume is 9.73 million shares in comparison to its usual trading volume of 8.67 million shares. The stock opened the session at $37.71 and touched its highest price point at $37.80.

The company is on track to expand the portfolio of Americas head William Wheeler with a $2 billion agreement to takeover AFP Provida SA (PROVIDA) from Banco Bilbao Vizcaya Argentaria SA (BBVA), highlighting the potential he may be the next chief executive officer.

Metlife Inc’s lowest price point for the session stood at $37.22, and its 52 week price range stood at $27.60 - $39.55. The company has total of 1.09billion outstanding shares and its total market capitalization is $40.62billion. Its beta value stands at 1.99 times and earning per share was $2.05.

Previous 5 days graph demonstrated a negative move of -1.12%. MET’s quarterly performance remained green with the percentage of +7.29, while its year to date performance showed that the stock advanced overall 13.02%.

Genworth Financial Inc (NYSE:GNW) stock is at $9.15, down-1.61 percent from its previous close of $9.30. The stock opened the session at $9.23 and touched its highest price point at $9.25. Genworth Financial stock’s lowest price point for the session stood at $9.08.

Stocks graphical chart shows a bullish trend during its last one month’s trading session. It remained positive with 50.99% during previous three months trade.

Its today’s volume is 8.14 million shares in comparison to its usual trading volume of 10.66 million shares. Its beta value stands at 3.15 points. Currently stocks EPS is $0.61 while its price to earning ratio is 15.11.

Lincoln National Corporation (NYSE:LNC) opened the session at $29.15 and remained in $28.73 and $29.25 price range during the session. The stock is 2.10 percent down at $28.88. Volume closed the day at 2.61 million shares, its average volume being 2.58 million shares.

The company has total of 275.02 million outstanding shares and its total market capitalization is $7.94billion. Its beta value stands at 2.66 times and earning per share was $1.44.

LNC was a loser in the 5 days activity and slipped about -0.59%. The one month performance of stock was positive as it scored more than 2.74%.

ING Groep N.V. (ADR) (NYSE:ING) traded in the range of $9.41 and $9.64 in its previous trading session. The stock recorded the volume of 2.92 million shares so far, in comparison its average daily trading volume of 1.96 million shares. The company has total of 3.80 million outstanding shares and its total market capitalization is $35.81billion.

Company’s year to date performance remained declining as it lost almost -0.74%. If we look at last 6 months of trade that is in bullish zone with an increase of 42.08%

The stock opened at $9.64 and its closing price for the day was $9.42, down-5.52 percent from its previous close of $9.97. The beta of the INGstands at 2.77. 52 week range of the stock is $5.51 -$10.47. (source http://otcstockpicks.net/)

About OTC Stock Picks
The team is among the US market leaders in connecting stocks to investors. With over two decades of market experience, the team prides itself on having the ‘pulse’ of the stock market. The company tracks over 100 different stocks with the goal of bringing investor attention to stock trading opportunities. The team is exceptional at predicting momentum-changes in stocks via technical analysis and fundamentals, and quickly relaying this information through its penny stock newsletter. The company offers investors Free Level II service and Free Real Time Stock Charts on its company website. best auto insurance 

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Competition of Insurance Companies

Information about the insurance market at a glance

Local private insurance companies dominate the insurance market more common than joint venture (joint venture). Increasing the market share of local insurance companies than a joint venture because it is generally a joint venture targeting specific markets and market different from local insurance companies.

Local insurance companies dominate because more aggressive market penetration into areas while the joint venture only big city.

Five force model is a business strategy that is used to perform the analysis of the industrial structure. The analysis is based on five competitive forces are:

The threat of a substitute product
How dyantolife substitution for insurance? Are consumers can easily obtain substitute goods? The more close substitutes, then the customer can switch easily. Force is influenced by several factors such as switching costs, the tendency for substitution, product differentiation, and more.

The threat of the entry of new competitors
How difficult / easy for new competitors to get into your industry? This force is influenced by the brand equity, the barriers to entry such as patents, etc., distribution, or core competence of a particular skill, economies of scope, cost advantage, and more.

The bargaining power of customers
How is the strength of your customers? This force is influenced by: the number of buyers, the concentration of buyer, buyer switching costs, availability of items, big order buyers, price sensitivity, degree of differentiation, and so on.

With marketing and market penetration tactics that many insurance markets so customers can get a lot of choices to purchase insurance in addition to our company, if the acquisition or marketing teams are not careful in taking the market it will compete.

The bargaining power of suppliers
Supplier is the place where we purchased inputs used for production materials. Force is determined by several factors including: cost of switching to another supplier, supplier number, supplier concentration, availability of input substitution, differentiation level inputs, up to the level of supplier relationships.

• Supplier of insurance companies over the custodian bank. If the number of custodian banks more so we could have more alternatives in choosing a bank and custodian banks could choose higher interest rates, lower costs and better service.
• The selection of investment products as much as return on bonds, mutual funds, money market, equity could be an alternative choice of investment companies that can return a higher member.   

The intensity of competitive rivalry
How does the intensity of competition in the insurance company? The more the number of competitors, with quality products and competitive prices, the higher the level of competition. Force is determined by several factors, including: the number of competitors, the difference in quality, customer loyalty, product differentiation, price differences, exit barriers, and so on. life insurance policy

READ MORE - Competition of Insurance Companies

Travel Health Insurance Basics - Why Health Insurance Is Very Important to International Travelers

Travel Health Insurance Basics
Travel health insurance is not only just an activity that you can or cannot do before going outside of your country; it is now part of your traveling. If you open your U.S passport to page two, you will see there is a warning about health insurance. According to U.S Medicare that if you are planning to travel outside of U.S, you must determine what health insurance coverage you have and it doesn’t bear any insurance cost outside the United States.

Travel Health Insurance Basics

There are still many international travelers who do not have proper insurance coverage and the worse thing is that government sponsored health programs such as Medicare never cover in foreign country. Another thing is that if employee has employer-sponsored insurance coverage, the insurance company sometimes limits the foreign coverage to emergency care only. Ultimately the burden is on yours. That’s why it’s a better idea to get a health insurance while traveling outside.

Why Health Insurance Is Very Important to International Travelers?
It cannot be easy of getting health care in some parts of the world because there are some hospitals which will not provide treatment or will not discharge until they has get the guarantee of payment. You will have to suffer physical or financial loss if you face any situation like this. The guarantee of medical payment is provided by the travel insurance company from which you have insured, but rarely the insurers care about insurance plans.

 If your insurance company does not response, you may have to pay in advance by your credit card and your card must have sufficient balance. Just make clear that they have insurance agents or managers where you are planning to travel or they will communicate with your hospitals as soon as you need.

If you have health insurance in the U.S., before applying for another travel insurance policy, check with your insurance company what kind of insurance coverage they have for you. If you are lucky, you see they have travel insurance coverage for you, but you need travel insurance plan if they do not have insurance coverage in your existence health insurance. Choose your travel insurance plan wisely because if any emergency they do not cover, you are on your own.

Most of the travelers get travel health insurance because of protection against unexpected health emergency. Suppose you are traveling a foreign country and fall in accident, but medical treatments are not available and you need medical evacuation than you need travel health insurance. Another thing can happen that you need medical treatments but you are out of money, so it can be all getting worse unless you have travel health insurance with appropriate health coverage.After reading this you know the basics of travel health insurance, now the question is who should buy travel health insurance. insurance quotes online

READ MORE - Travel Health Insurance Basics - Why Health Insurance Is Very Important to International Travelers

Insurance stock focus today AIG, HIG shares

best insurance stocks today - Insurance stock focus today AIG, HIG shares : Financial Sector of Property & Casualty Insurance Industry stocks are in focus, as its stocks were gaining high volume during the previous trade. American International Group, Inc. (NYSE:AIG) remained a top volume gainer in its industry and was showing a negative trend during the previous trading session. Also, Hartford Financial Services Group Inc (NYSE:HIG) was in focus of investors and it was showing bearish movement during the previous trade.

American International Group, Inc. (NYSE:AIG) reported that, for the fourth quarter of 2012, a net loss of $4.0 billion, or $2.68 per diluted share, in comparison to the prior year same quarter net income of $21.5 billion, or $11.31 per diluted share. Net income was $3.4 billion, or $2.04 per diluted share, for the fiscal year 2012 versus the fiscal year 2011 of $20.6 billion, or $11.01 per diluted share.

Financial Sector stock, American International Group, Inc. (NYSE:AIG) reported the plunge of -3.62% and closed at $37.06 with the total traded volume of 26.91 million shares. The stock’s opening price was $38.89. The company has a total of 1.48 billion outstanding shares and its total market capitalization is $54.71 billion.

52-week price range of the stock remained $27.18 – $39.90, while during last trade its minimum price was $36.86 and it gained its highest price of $38.93.

Hartford Financial Services Group Inc (NYSE:HIG) declared for the fourth quarter 2012, a net loss of $46 million, or $0.13 per diluted share, in comparison to the prior year same duration net income of $118 million, or $0.23 per diluted share.

Property & Casualty Insurance company showing negative momentum during previous trade, Hartford Financial Services Group Inc (NYSE:HIG) reported the decline of -4.32% after opening at the price of $24.29, while its closing price for the day was $23.05.

HIG’s total trading volume for the day was 8.92 million shares, versus its average volume of 5.65 million shares. Company’s current market capitalization stands at $10.20 billion along with 442.50 million shares.

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Insurance can be used as a good retirement planning tool

Same goes for your retirement. If you do not lock-in money every year or every month - chances are that there would not be too much left when your source of income dies down. Thats when your medical expenses peak and your source of income has dried. Plan for it at least 20 years from that date so that there are no surprises. And don't just keep hoping for the best!

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Cheap Car Insurance Quotes – How to Get Lower Premium from Auto Insurance Company

Cheap Car Insurance

If car owners want cheap car insurance quotes, they have to search well established car insurance companies as well as new for cheapest insurance rates. Receiving car or auto insurance is like maintaining vehicles. But the problem is many car owners are paying too much extra money for car insurance policy without intentionally. New car insurance companies are sometimes best for cheap car insurance because insurance business is very competitive and new insurance companies have to compete with established companies, so they bound to limit their price and often offer free quotes and bonus. It’s a good idea for new drivers to get car insurance cheap.

Current insurance company has vital effect on lowering insurance premium if existing car owners have good record of insurance policy. Different car insurance companies have different insurance coverage and the number of existing coverage may not similar with the new insurance companies because there are other variables in the coverage. Car owners should check how much deductible in each insurance package and which policy can best fit their required conditions.

Many car insurance companies consider lower premium and cheap car insurance from previous for their existing customers which increases their business reputation and profit. Getting cheap car insurance again from existing companies is common phenomena, but car owners should also check whether the new premium is compatible with new conditions or not.

Getting cheapest car insurance is the main reason to switch another insurance company which is up to car insurance, but the car insurance quotes are changing over time that is yesterday’s insurance quotes may not similar with today’s. So car owners should so their homework before buying insurance policy to check which company offers better coverage with lower premium and which company’s quotes are real.

Cheap car insurance is not easy to find unless car owners do little home work. Go to online, search website which provides multiple car insurance quotes at the same time and compare which car insurance quotes are cheap. By this process car owner can find best cheap car insurance.

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Travel Health Insurance with Pre Existing Medical Conditions

Travel health insurance for people who have pre existing medical conditions is difficult than general travelers, that doesn’t mean there is no insurance plan for them. If you search online and compare travel health insurance policy, you will get different policies for various medical conditions are available. However, they might put some restrictions over the policy.

What are The Pre Existing Medical Conditions in Travel Health Insurance?

Travel Health Insurance

The pre existing medical conditions mean various types of medical conditions for which medical treatments, diagnosis and medicines are recommended or received.

Do You Need To Cover Medical Conditions?

The medical costs in foreign country could be higher and expensive, so without insurance coverage you may not pay the bill.

Why the Insurance Costs Are High For People with Greater Risk

Medical emergencies and claim in travelers’ destination are one of the largest expenses for travel insurance companies, so insurance companies offer high premium worth of insurance coverage for travel expenses, medical emergency, hospital treatment and medical evacuations. This is reason the insurance companies force to the travelers to pay high premium especially to those travelers who have greater health risk. If you have serious medical conditions like heart diseases or cancer which occurred years ago, you must have to reveal these problems your insurer. The travelers who have been cured from serious minor or major heart conditions or cancer must have to disclose these to their insurance companies.

What Is The Problem If You Don’t Disclose Your Medical Conditions?

It is required from insurance company to disclose the travelers any kind of medical conditions, but if you fail to reveal and the insurance company find any clue, they may reject your insurance coverage.

Travel health insurance policies for travelers with existing medical conditions are designed as if travelers were fallen medical emergency because of previous health conditions while staying in foreign country, then travelers medical expenses would be covered by the insurance companies even if the costs is thousands. This confirmation which will be offered by the insurers may give the peace of mind to travelers.

The premium of Travel health insurance for travelers who have previous medical conditions will normally be higher and the insurance company considers that pre existing condition within last three years. Also you can find few companies which consider only one year.

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How to Ensure the Exellent Deal on some Car Insurance?

Car Insurance

Insurance plan regarding car will be required simply by American indian rules however often this will become a great mind-boggling job regarding proprietors to get the best strategies with the best premiums accessible. Experiencing happy using the active strategy and restarting this repeatedly or maybe buying insurance inIndia with out carefully considering and analyzing the choices can lead to unneeded repayments. The simplest way is to shop around regarding insurance throughout Asia as a way to make certain you are obtaining the perfect package from the perfect price tag. Maintaining the thoroughly clean driving record may help the owner acquire good-looking discounts on insurance.
Moving in regarding contrast looking from almost any point of their time, no matter if in the course of revival or maybe buying brand-new strategies can't be underestimated. You should take a look at several selections previous to choosing a great insurance company to be sure that a person is acquiring the perfect package from cost-effective charges. There are several elements in which ought to be regarded as while buying insurance strategies including the place of dwelling, driving record with the man or women, his age plus the kind of car they hard disks. Trying to keep these kinds of elements in your mind search for insurance services and you're certain to uncover one who may offer a good strategy from noticeably cheap in comparison with additional services already in the market.


Although you may already carry an insurance policy it is important to examine periodically as to what premiums are now being which is available from additional services already in the market. Insurance strategies as well as your situations go on changing and thus it is important to get a service who comes with a far better package and this too from the perfect cost. Numerous insurance providers provide many different discounts for their consumers that are entitled to the same. These types of discounts are tightly in connection with the particular driving record with the man or women, basic safety capabilities installed inside the car plus the age with the new driver.

READ MORE - How to Ensure the Exellent Deal on some Car Insurance?

Your Own Partner In Personal Filing For PPI Claim

PPI Claim

Because the amount of men and women selecting mortgage loan greater thus ended up being the truth together with increase throughout PPI insurance policy. Whenever you submit an application for mortgage loan as well as credit-based card, this sort of insurance policy is usually regarding excellent help as well as can assist you throughout repaying borrowed sum should you endure task burning as well as meet up with selected sudden incident.
 Repayment Safeguard Insurance plan, even so, has been in spotlight for those drastically wrong causes long right now. If you're somebody whom check out newspapers regularly next you might be well aware of this particular reality. Quite a few interpersonal companies worked to create for you to light-weight the profits of the amount of money lending companies as well as finance institutions through selling this particular costly insurance policy towards the consumer devoid of showing him about the same.
Within United kingdom, there were practically near zero impartial insurance agencies that have been concerned in the business regarding selling such a insurance coverage towards the purchaser up against the mortgage loan price.

Majority of lending organizations as well as finance institutions benefited from this circumstance through delivering these kinds of policies together with mortgage loan, retailer cards as well as credit ratings as being a safety towards the client throughout periods regarding unforeseen conditions at rising interest rates. Furthermore, interest rates charged greater all round due to prices charged with insurance policy. If you think that you will be facing equivalent circumstance next PPI Promises Business can assist you throughout submitting regarding recover as well as obtain wages back.



The particular Usa Kingdom's PPI current market will be approx . for you to 5. 50 thousand weight. On the other hand, what is important that you can understand that most of this sort of policies are offered towards the consumers available as linked insurance policy programs together with plastic cards, signature loans, retailer cards, loans as well as home loan. The technique of this particular insurance policy may not be an undesirable concept. In truth, it can benefit anyone soon enough if you aren't able to reimburse borrowed sum. The genuine difficulty seriously isn't your insurance policy by itself nevertheless the approach it marketed for you to consumers. Because of selected insurance policy guidelines, consumers cannot make the most of it. The point that consumers are generally held under darkish though selling this particular insurance policy could be the biggest downside. There has been occasions wherever consumers had been informed that will acquiring Repayment Safety Insurance plan will be customary.

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In the occasion while authentic regarding insurance policy will be discovered, folks surviving in United kingdom worked hard throughout submitting promises for them to get back what belonged to them. On the other hand, you will discover a huge number of those who submitted regarding claim although utter fourteen per cent made it possible to get return. Just how much that has been paid back to them ended up being lower compared to what they ought to have received.

Each time a particular person applies regarding claim at his / her picked up, application will be invalidated with a variety of good grounds. This really is wherever PPI Promises Business may come for your recovery. The golf pros doing work at this time there are sensitive to your also slight particulars which can help anyone throughout submitting regarding claim. Appraising virtual reality is how to opt for the organization. Bank on your solutions made available from specialists will be how to submit an application for return.

READ MORE - Your Own Partner In Personal Filing For PPI Claim

Great Insurance Tips For Real Homeowners

Homeowners Insurance

Homeowners' insurance cover is not a luxury, is in reality absolutely essential. In fact, several household mortgage loan corporations will not likely probable produce a personal cash loan as well as income some kind of housing owning a home fiscal purchase except if the purchaser delivers evidence of protection on the comprehensive as well as fair magnitude for the property or home (most daily here's the acquire price). On this submitting, we all will provide you with several easy measures you possibly can get to ensure that your homeowners' insurance cover is plenty to your requirements.
With regard to background analyzing, take a look at Studying Superior Insurance coverage Contract Essentials as well as Twelve to 16 Insurance coverage Its not necessary.

Omaha Householders insurance cover are often extremely expensive. Those that live in high-risk regions by way of example close to important waterways, accepted earthquake trouble series as well as a few other substantial claims regions are likely to pay out just about the most pertaining to protection. In fact, persons within just high-risk regions are sometimes forced to cover once-a-year obligations from your several big money. Though actually house owners within just fairly sedate, suburban local local neighborhoods (with property or home prices across the country wide regular concerning $210, 000) may possibly spend concerning $500 as well as $1, 000 annually for a normal insurance cover.


The good thing is in which while you should not (and shouldn't) stay clear of getting homeowners' insurance cover, you'll find ways to diminish the price.

Let us discuss 2 means to ensure that you obtain the proper protection as well as accompanying settlement for the household:

1) Keep some kind of Security System as well as Smoke cigarettes Sensors: Some form of security alarm that may be watched by means of midst place, as well as that may be hooked on it directly to a regional police place, could help more affordable this specific homeowner's once-a-year obligations, almost certainly by means of 5% and up. In an effort to possess the discounted, this specific house owner should usually present evidence of midst supervising obtainable seeing that some kind of costs or maybe a long lasting agreement for the insurer.

Smoke cigarettes frightens are generally a different biggie. Though common in many present day homes, setting up them within just previous homes may possibly save this specific house owner 10% and up within just once-a-year obligations. Effortlessly, much more essentially, in the case of relationship, they might keep the living!

2) Increase Types Allowed: For example medical care insurance as well as Omaha Householders insurance, the larger this specific duty allowable this specific house owner decides on, the lower this specific once-a-year obligations. Even so, the challenge making use of choosing the substantial duty allowable is usually in which tiny claims/problems by way of example shattered household glass windows as well as hurt sheetrock at a leaking tv, which often usually will surely charge not many 100 bucks to take care of, is likely to regularly be assimilated from your house owner.

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General insurance (UK)

This page sets out the value that actuaries can bring to general insurance.

General insurance actuaries help provide expertise in three main areas:

• Reserving (in reserving they apply statistical techniques to assess the likely outcome of general insurance liabilities, typically, and the provisions that are needed for reporting purposes)
• Rating (the pricing actuary assesses the frequency and average amount of claims to estimate premiums)
• Capital modelling (for capital modelling the actuary projects both the liability and assets of insurers to assess solvency and future capital needs).

General insurance or non-life insurance policies, including motor and household policies, provide payments depending on the loss from a particular financial event.  General insurance typically comprises any insurance that is not determined to be life insurance.  It is called property and casualty insurance in the U.S. and non-life insurance in Continental Europe.

In the UK, General insurance is broadly divided into two areas, personal lines and commercial lines.

Commercial lines products are usually designed for relatively large legal entities. These would include workers' comp (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations. There are many companies that supply comprehensive commercial insurance packages for a wide range of different industries, including shops, restaurants and hotels.

Personal lines products are designed to be sold in large quantities. This would include motor insurance, household insurance, pet insurance, creditor insurance and others.

The London Market provides a focus for many insurance companies and syndicates operating under a Lloyd’s of Londonbanner to write large commercial risks such as supermarkets, football players and other very specific risks. It consists of a number of insurers, reinsurers, [P&I Clubs], brokers and other companies that are typically physically located in the City of London. Business is typically written through specialist brokers. The London Market also participates in personal lines and commercial lines, domestic and foreign, and provides reinsurance.

The statistics on the changing profile of our membership tell us that around 30% of our general insurance members live and work outside the UK.   As a result, the General Insurance Practice Executive Committee (PEC) is continually looking at what it can do to support our non UK members. 

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How to Buy Cheap Car Insurance

When you buy a car it’s general that you will buy car insurance, but the tricky part is to buy cheap car insurance. Buying cheap car insurance will be easy if you know how to search and compare insurance policy.

How to Buy Cheap Car Insurance

Many car insurance companies offer discounted policy, but getting cheaper insurance policy doesn’t mean you get the best car insurance policy. Don’t buy at the first shot, read carefully the total policy conditions; what the policy covers and what the privileges are and compare your policy with other discounted car insurance policy from different companies.

The car owners who are above 50 years old can be the member of the American Association of Retired People (AARP) and the member has to pay only $12.50 a year who is USA citizens. It seems AARP offers heavily discounted car insurance and older people can easily get free online cheap car insurance quotes.

Car insurance premiums won’t lower or discounted for teenage drivers who don’t have driving record. In some cases insurance companies have cheap car insurance for young drivers. Young drivers who pass the recognized driving test can get cheap car insurance or car insurance companies discount for them. Car insurance companies provide car insurance cheap for the good and skilled drivers.

If car drivers have well driving records without any incident it’s for sure that they are going to get car insurance. But being with the same car insurance company again doesn’t mean car owners will get cheapest car insurance, so check what is the policy your current insurance company offers for renew and what is the policy offering from other companies. Compare as many insurance quotes from different policy and sort out which policy has more discount and cheap then other for you as good driver.

Experiencing having car insurance policy car owners may have edit few coverage, so they should check what coverage they need and what coverage are extra while getting renewed the policy. This simple routine check may reduce the insurance premium and if lucky, they can get cheaper car insurance policy then existing one.

If drivers are women, many car insurance companies have special offer for them such as discount or cheaper. When woman driver is going to buy car insurance online, she should first ask free quotes providing detail information and after getting various insurance rates, she can again provide her basic information such as good driving history, driving license and certificate of immediate taking driving test and describe her present situation with the coverage she need. This process may be providing cheap car insurance.

What car drivers don’t know is that buying car insurance often saves their money if they can go the right way. So follow these tips and you can get some idea how to buy cheap car insurance.

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Understanding Auto Insurance Basics - What You Need to Know

Buying auto insurance is critical task unless you know the basics of auto insurance; otherwise you have to end up unnecessary costs and expenses. Choose insurance for auto which fits your and your family’s needs. Here are the answers of few basics questions like what is auto insurance,  what does auto insurance cover, what does an auto insurance policy consist of.

What is Auto Insurance?
Auto insurance also known as car insurance is insurance which is purchased for vehicles such as cars, trucks and motorcycle. The purpose of auto insurance is to provide financial protection against auto damages and bodily injured which may cause auto accident or traffic collisions.
Insurance for auto is the contract between the auto owner and the auto insurance companies. The auto owner pays a certain amount of money or premium and the insurance company provides a set of coverage the auto owner selects.

What Does Auto Insurance Cover?
Auto insurance covers mainly four basic incidents. The first coverage is for the damage of your car, the second coverage is for the damage of other’s car which is if you accidentally damage another car, and your auto insurance company covers this liability. The third coverage is coverage for medical expenses and the forth is coverage for uninsured motorist which is if anybody without having enough auto insurance policy injures you or your family, your insurance company will cover this.

What Does An Auto Insurance Policy Consist of?
Auto insurance policy consists of three main parts; base policy, declaration page and endorsement page.
Base Policy: this part has the fundamental provision of the auto insurance policy and the responsibility of the both insurance company and auto owner. This page set liability on the insurance company to provide financial protection and on the car owner to telling to the company when the owner faces in accident.

Declaration Policy: this part forecloses the information about the car owner such as the policy holder’s name, policy number, policy limitations, policy liability and premium. Declaration page also has few things such as which vehicles are included into car owner’s policies, who can damage the car and who are allowed to drive.
Endorsements: endorsements have the power to alter the base policy such as to edit, boarder, and limit or add the coverage.

It is auto owner’s responsibility to read carefully these three parts of auto insurance policy, otherwise policy holder will be fully responsible if anything don’t fit with the policy.

Auto insurance is necessary and you need to buy insurance for your auto if you buy a new one. So understand the basics of auto insurance, read the coverage which fits you and buy a policy.

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Why Do We Need Imported A Great Insurance?

Insurance

"Why complete we end up needing insurance" is usually a important issue flying today within the head of each and every individual, in particular the particular younger people who have got simply commenced their particular doing work occupations. This is actually a great issue. Gleam good remedy, great replies actually.
Insurance gives tragedy safeguard. Catastrophe might be involving virtually any kind; assume the particular central heater breaks, the vehicle continues the particular blink, the particular ceiling leakages, a significant house flames, an auto crash that leads to your legitimate motion, in addition to somebody within the family gets to be unwell. Insurance deals with all those meals. Insurance offers you reassurance. You recognize in the event that something happens for your requirements, your household are going to be monetarily secure. You can take it easy a tad bit more as long as you're on holiday understanding in the event that somebody really should crack into your house in addition to carry off your current television set, you're included. What's more, it promises you the house that is greater house when you have got propagated the idea along with all your family, laughed in it, cried in it will continue to be along with all your family.


Insurance helps you to control your dollars in such a way in which not any personal weight can make anxiety with regard to you and your family. Insurance will save you your dollars along with great returns. It's a approach to assurance that your children is certain to get better university knowledge all of which will do not have in order to sacrifice the higher quality total well being no matter if yourr home is or even kick the bucket. Insurance matches your current unpredicted healthcare costs. What's more, it keeps our own credit score inside good shape. Insurance gives personal stability with regard to you and your family in the case of urgent situation.

The decades in advance are usually important in addition to you want to devote plenty of time along with your children and may become fantastic children. Insurance covers you as part of your senior years. The pension answers which often it gives you are usually wonderful in addition to pensions can be a additionally. It won't by any means mean that you have kick the bucket or even turn out to be impaired in order to make use of an insurance policy. You'll find amount of methods use insurance to your benefit while you are alive in addition to healthy; to help expand your individual or even specialist aims, to guide your current personal preparing pursuits, in order to boost your hard earned money movement.

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7 Tips On Getting The Right Flood Insurance So You Can Stay Prepared This Winter

“Purchasing flood insurance is not something you want to rush,” notes David Beavers of the Water Damage Team. “To properly protect your investments you should take the time to properly prepare before purchasing flood insurance, as rates limits and coverage alter drastically between insurance companies. To help you prepare for your search, please enjoy the following list of tips for finding the right flood insurance.”

1. Assess your Home’s Risk
A nation wide insurance company stated that one third of the flood claims they get come from homes not in a flood prone area. It’s important to consider your real risk for a flood of any kind, and how high if a risk it is. Depending on your homes propensity to flood, the policy you choose should adjust to it accordingly. You can go to the governments flood site, FloodSmart.com, to get a better idea of your homes risk for flooding as well as some estimates for price ranges you should be expecting.

2. Don’t Wait
It takes awhile to finalize the process of getting flood insurance, and if a flood occurs during that process it’s not likely that you will receive coverage. If you are considering this type of insurance, then make sure you plan to purchase it well before flood or even rain season. Unfortunately, the majority of homes in Louisiana had no flood insurance during hurricane Katrina, and government handouts only go so far.

3. Educate Yourself on Limits
Before signing anything, make sure you know your home well and they type of flood damage it could incur. Then carefully evaluate your flood insurance proposal and make sure you are fully covered for any and every area of concern. While some insurance companies have limits to the amount they’ll refund you for damages, some will cover your home and it’s possessions to the full extent. Do not be afraid to ask questions, express concerns, or criticize rates and limits. This is your home, life, and family you’re dealing with so it’s okay to be a little pushy to make sure you’re getting what you want when you pay for it.

4. Ask About Rate Increases
No one wants to think about their rates increasing in the future when they’re first taking on a new bill, but it is important to remember that your flood insurance rates could very likely rise and you will be expected to pay the difference. Luckily, now that you know this you can take a look at rate limits for each insurance company you consider, and factor them in.

5. Preparation is Key
The more knowledgeable and prepared you are when choosing flood insurance, the more likely you are to make the perfect choice for you. Before going in to question agents, make a list of things you’d like to ask and know. It’s easy to get flustered and forget important things when you’re talking to a smooth talking insurance agent who knows how to make a sale. Know what exactly you’d like protected from a potential flood (just the home, or all possessions or vehicles as well?) and what your budget is. Look online before going out to et a good idea for insurance rates for your area.

6. Ask Neighbors
Don’t be shy to ask neighbors and friends living nearby if they have flood insurance and which company they purchased it from. Make sure to ask multiple questions from overall satisfaction, to reliability and rates. The best reviews are from the customers themselves as opposed to the company trying to sell their stuff.

7. Do Not Rely on Handouts
Although it’s true people living in high-risk areas have the right to government aid in a natural disaster, they aid is very limited. Very limited. If you live in one of theses areas and thus think you don’t need insurance, know that you’ll receive some help but you may lose your home and possessions in the process, as the government is not likely to replace them.


The Water Damage Team is a nation wide disaster restoration company, with years of experience in water removal and water drying. As well as storm damage clean up, contaminated water removal, structural drying, debris removal and mold remediation.

READ MORE - 7 Tips On Getting The Right Flood Insurance So You Can Stay Prepared This Winter

2013 Asian commercial insurance rates

best insurance stock - 2013 Asian commercial insurance rates :Continued economic growth and low natural catastrophe losses, combined with strong competition between insurers in most classes of business, will continue to provide favourable market conditions for buyers of commercial insurance in Asia during 2013, according to a report published today by Marsh.

Organisations across Asia, especially those with little or no exposure to natural catastrophe risk or with good loss histories, should be able to secure reductions on their insurance rates, continuing a trend begun in the second half of 2012, Marsh noted in its Asia Insurance Market Report 2013.

However, Asian companies offering employee benefit programs can expect more challenging conditions this year as medical cost inflation continues to escalate significantly, putting upward pressure on rates.

For example, Marsh expects insurers to seek average rate increases of up to 35% in Thailand where medical inflation is expected to rise between 20% and 25% this year. An upward trend, with local variations, is expected to be seen in most Asian countries.

Marsh also noted that while rates for directors and officers (D&O) insurance for US-listed Chinese companies remained high the market had largely stabilised, partly due to a slow-down in IPO activity.

Across the rest of Asia, D&O rates generally remained flat or decreased, as increased litigation against directors was offset by an increase in insurance capacity.

“The insurance market in Asia remains generally favourable to buyers as the flow of capital, capacity and competition into the region keeps rates competitive,” says Martin South, CEO of Marsh in Asia-Pacific.

“However, there will always be the possibility of spikes in premiums following large market losses. As the industry matures, clients should focus on providing their insurers with robust evidence of their risk management and mitigation strategies, not only to secure competitive pricing, but also to ensure they have insurance protection aligned to their particular risk needs.”

The report also finds that employees’ compensation (workers’ compensation) in Hong Kong continues to be a challenging market. Rates continue to rise significantly as loss experiences deteriorate and major insurers enter and exit the market, creating significant turbulence.

Banks continue to use structured trade credit insurance as a way to both deleverage their balance sheets yet still remain active in the trade finance market in Asia.

Professional liability insurance remains a buyers’ market, with highly competitive rates across Asia as new insurer entrants bring additional capacity and competition to the market, says the report.(source www.cfoinnovation.com )

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Job in Insurance

Everybody needs money to their live in this world. Due to that we have to work in order to get money. Looking for a job seems not as easy as we imagine. Sometimes we get a job but it is not appropriate with the skill that we have. But insurance jobs uk has everything related to this problem, especially on job in insurance and recruitment. 

It can help job seekers to find a job, which is suitable with. There are many job insurance sectors that can be handled by Search Insurance for their solutions, such as Personal Lines, Commercial Insurance, Marine Insurance, Liability, Medical, Personal Accident Cover, Healthcare and Reinsurance.

With their variety of Consultant services, both for permanent and temporary job recruitment, this company becomes UK's largest database employers on full range of positions. Then their clients will be easily finding the best candidates. Because they have established specialist consultants, which are dedicated and experienced work on solid team for high quality and outstanding success.

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