What’s the Difference Between Whole Life Insurance and Term Life Insurance?

Written by Home Insurance Easily. Posted in No medical exam term life insurance, Term life insurance, Whole life insurance canada

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Even though an overwhelming majority of people (93%) feel that having a life insurance policy is completely necessary, an underwhelming amount–about 95 million, which is 41% of the population–don’t have one!

A big reason why so many people don’t have a policy is because they don’t fully understand the different life insurance types. Basically, there’s two main categories of life insurance: whole life insurance and term life insurance. Once you understand the differences between the two, you’ll find it’s fairly easy to purchase this vital commodity.

The intention of a whole life insurance policy is to cover you and your loved ones for the rest of your life, as the name implies. Initially these policies cost more, but the payments taper off in the later years making them cost-efficient. S

Make Life Insurance a Priority for You and Your Family

Written by Home Insurance Easily. Posted in Find auto insurance quotes, How to find a good insurance agent, How to get auto insurance

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It is hard to prepare for disaster in your personal life. There are ways though to make sure a disappointing event does not cripple you or your family. In order to avoid financial catastrophe meet with a qualified local insurance agent to figure out how to find life insurance.

Life insurance is a contract between the insured and insurance company where the insurer promises to pay a designated beneficiary in exchange for a premium upon the death of the insured person. Other events such as terminal illness may also trigger payment. According to LIMRA’s Life Insurance Barometer Study 2013 85% of consumers agree that most people need life insurance.

According to the Genworth LifeJacket Study 2011 40% of Americans that have life insurance don’t think they have enough. They are setting themselves and t

Why You Need Homeowners, Business, and Life Insurance Policy Plans

Written by Home Insurance Easily. Posted in Affordable health insurance quote, Comprehensive car insurance coverage, Nj workers compensation laws

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Turn on the TV, and you’ll lose count of the number of car insurance advertisements you’ll see in the course of an hour. Unfortunately, not many of these commercials mention the other sorts of insurance you may need over the course of your life. Taking out homeowners insurance, workers compensation insurance, or life insurance policy plans can save you in your times of need and are just as important as car insurance.

Your home is a major investment. Sometimes, however, we can’t control what happens in the event of a natural disaster. In 2012 alone, the average flood claim on homeowners insurance policies in the United States was $34,000. Without insurance, a homeowner pays out of pocket for damage–and that’s a big chunk of your earnings. Although the average American homeowner spends 2% of their

It Is Dangerous to Go Through Life Without Insurance

Written by Home Insurance Easily. Posted in Business insurance, Car insurance in barrington, Home owners insurance

Find auto insurance

Did you know that car insurance is a necessity in all 50 states? However, approximately 61% of Americans are considered to be under-insured by 18%. But why does this matter? Being under-insured can be unsafe and costly because accidents are often dangerous and expensive. As a result, obtaining the right types of insurance will help protect your finances in the case of an accident or other unwanted event.

1. Automobile insurance. Auto owners insurance is used to cover the risk of financial liability when a car accident occurs. However, an astounding 16% of American drivers do not have car insurance. Different auto insurance policies provide different benefits, such as vandalism coverage, accident damage repair, and animal collision coverage, so it is important to find a policy that is right for you by u

What’s the Difference Between Whole Life and Term Life Insurance?

Written by Home Insurance Easily. Posted in Affordable life insurance, Canada life insurance, Life insurance rates

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As MSN Money reports, choosing the wrong life insurance policies can have disastrous consequences for your personal finances. Dealing with death is never easy, and funeral and burial costs for a loved one can throw a metaphorical wrench into a family’s plans when it comes to plundering savings and spending accounts. Still, Canadians purchased almost 700,000 individual life insurance policies in 2012 alone. It’s a smart move, lining up protection for your family against the worst of all unforeseeable circumstances.

When it c

Why Canada’s Health Care System Could Be the Best

Written by Home Insurance Easily. Posted in Benefit plans, Group health insurance rates, Health benefits

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Health care is often the subject of great debate around the world. In many countries, there is not enough care for ailing patients, and in other countries, it is simply unaffordable. But in Canada, citizens are treated to a comprehensive, publicly-funded health care system that covers several different medical needs. This is a result of a Canada Health Act of 1984, which requires each province to adhere to certain conditions and criteria for their territorial health insurance programs in order to receive federal funds.

These provisions are what help cover surgery, doctor’s office visits, clinical needs, psychotherapy, dental surgery, and als

Are You Sure Your Home Is Adequately Covered?

Written by Home Insurance Easily. Posted in Homepage

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It’s wrong not to have any insurance, but it’s important to get the proper amount of coverage from home insurance brokers.

Did you know that an estimated 14% of all auto accidents in the U.S. are caused by someone without car insurance? Not only that, but Mississippi has the highest amount of uninsured drivers with a grand total percentage of 26% being uninsured! And Alabama is almost as bad, with a 25% lacking car insurance! The main reason these folks don’t get the insurance that they need is because it’s too expensive.

This is true for both auto and home insurance. According to FEMA, there’s an estimated 50% of homes in high risk areas of the United States that lack home insurance, also known as hazard insurance. The Federal Reserve Bureau states that homeowners can deduce their average home insur

Top Reasons You Should Be Investing in the Best Insurance You Should

Written by Home Insurance Easily. Posted in Affordable auto insurance quotes, Renters insurance policy, St. louis insurance

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Though you will usually be told that buying insurance is mandatory, that might not necessarily be the case. Though auto insurance rates are usually a necessity in life, most other kinds of insurance are technically optional. Usually there are not actually any legitimate arguments against getting insurance, so spending a little bit of time researching free home owner insurance quotes is usually going to be a good idea. Whether you are looking to buy renters insurance, you are looking into cheap car insurance quotes online, or you are curious about home owners insurance quotes online that are available, here are a few important facts that you should know before you decide to get started.

When it comes to car insurance, there are c

Are You Sure You’re Getting the Best Home Insurance Coverage?

Written by Home Insurance Easily. Posted in Homepage

Home insurance broker

As the price of flood insurance sky rockets in Colorado, home owners in other starts are beginning to understand how a myriad of factors can cause fluctuations in the average cost of their home insurance coverage.

According to PR Web, a new database released from the Real Estate Newswire can help home owners find the best home insurance online. The site writes, “The RealEstateNewsWire.com published database is now linking property owners with companies able to supply lower rates for insurance that are able to protect personal possessions.” This is particularly helpful because many home insurance brokers will only cover the exterior of a home, and either limit or exclude the amount of coverage for possessions inside a home. The new database can help home owners to find the best insurance deals for whiche

Three Facts Every Canadian Homeowner Should Know

Written by Home Insurance Easily. Posted in Homepage

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According to Financial Post’s Mortgage and Real Estate, 70% of Canadian homeowners now own their home. That number has risen almost 2% since 2006, representing a steady improvement in the Canadian real estate market. The fact is, however, that no matter how great it may be to own your home, it represents an incredible investment. As CBC News points out, the average home price in Canada is $382,373. Even if you were able to work out favorable mortgage terms, it constitutes a lifelong investment. Here are three facts about home insurance Canada’s citizens should know to better defend their homes.

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    Canadian citizens looking for home insurance providers should know beforehand what it means to be covered under “all perils” ver