Your Financial Guide

The second installment of our Producer Insights series of interviews is with Chuck Stout, broker and co-owner of Meridian Insurance, a thriving full-service benefits brokerage firm located in South Florida.

Meridian offers a full menu of coverage, including personal medical, group medical, dental, vision, long and short term disability, property, business and life. Partly due to these diverse offerings, the group has enjoyed a 12% growth in business versus this time last year, even as some of its competitors have been hit by hard times. How do they keep pace with their bustling business? Mr. Stout says that a key ingredient to staying current is using the right technology to communicate with carriers and nurture relationships with clients.

Mr.

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If you are planning your trip to Canada or any other overseas location, then you are probably more occupied with planning your activities and hotels than thinking about your travel insurance. Chances are that you will not need to have international travel medical insurance, but if something does go wrong the small investment in your health can save you a lot of problems.

It is a no brainier to take out the insurance, but you might find it confusing knowing which company to go with. In order to choose insurance that is right for you, you will need to do some research. There are some existing policies that you may have that include travel insurance and some credit card companies also have this service.

When you have worked out the current level of coverage that you have, you will have to start looking at the different travel insurance options that are out there and start comparing what they have to offer.

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Avoiding vaccinations before travel could potentially invalidate travel insurance cover

London, UK (PRWeb UK) 12 February 2010 — Post Office Travel Insurance is advising travellers to ensure they have researched the necessary immunisations they may need before they travel to ensure they don’t invalidate their travel insurance cover.

ABTA has predicted destinations such as Morocco and Turkey are set to be hotspots in 2010. However, recent research by Post Office Travel Insurance identified that a significant proportion of holidaymakers were unaware that vaccinations are required before visiting these countries. For example, some 53 per cent of UK holidaymakers did not know that vaccinations are needed to travel to Morocco, while a staggering 83 per cent didn’t know about the immunisation requirement for travel to Turkey, Post Office Travel Insurance revealed.

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Women hate to hear the sexist remark that men are much better drivers than women are. Better or not, both need good car insurance just in case they ever need it. Luckily, there are a lot of opportunities to find cheap car insurance for women drivers.

As a married couple often find out, women get better deals in terms of car insurance compared to men. This is not because car insurance companies are sexist. The basis for this is embedded in studies showing that women are in fact safer drivers than men are. Among the many reasons why women have cheaper car insurance, none of them are because men are better drivers.

Insurance companies have found that women get into accidents a lot less than men. When an accident occurs involving a man and a woman, research proves that the fault falls squarely on the male driver.

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It may even be harder to find auto insurance if you’ve been put into the high-risk category. Some providers out rightly tell you no, but others just inflate the premiums. You can’t avoid paying more, but you can comparison shop to find the best deal.

There are many different factors that may contribute to the classification of high-risk drivers. Nevertheless, the driving record is the most important factor in determining risk. If you have already participated in several accidents during the year or within two or three years, these incidents have a negative impact on your record, even if they are not your fault. Being involved in any accident can deem you scorcher with a penchant for getting into dangerous situations. In addition, if you got a few speeding tickets, you also increase the risk to get in an accident.

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Term life insurance generally provides a death benefit and does not accumulate cash value. Some people believe that it is more cost effective to get a term life policy and put the extra money that whole life would cost into a separate investment. Their slogan is “buy term and invest the rest”. That is over simplifying the subject. For example, invest in what? And how exactly does a particular whole life policy’s features compare to a term plus investment plan? The truth is that there is no single insurance product that is always best for every person and situation.

As a Houston insurance agent my suggestion is to compare whole and term products if you want life insurance. A good agent should be able to show you rates, and discuss the features and benefits, of different policies. My be

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Medical care is very expensive in the United States, and consequently, insurance is a necessity, not a luxury. Especially for students from another country, international student health insurance is a confusing yet essential part of American life. Knowledge is power, and a student must know the basics of how student insurance works.

Most colleges and universities require that a student be adequately insured when enrolling as a full-time student. Usually, colleges and universities have a basic student insurance plan in place that students are enrolled in by default. Students can opt out of the college-sponsored plan by providing proof that they have other comparable health insurance coverage.

Remember that students who are U.S. citizens might already have existing insurance plans through their parents plans.

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