Tuesday, May 1, 2007

Home Insurance Articles

Hot Home Insurance Topics

Get the Home Insurance Facts
Buying a home is one of the single largest investments that most people ever make. If you need to protect that investment, your main line of defense is homeowners insurance...
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Protect Yourself by Conducting a Home Inventory
If your household possessions are damaged or destroyed, you'll have a hard time recalling the price and description of every item unless you have a thorough home inventory on hand…
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Tips to Make Moving Easier
Moving into a new home doesn't have to be a stressful experience. Here are some tips and ideas to make things go smoothly.
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Helpful Insurance Tips

Helpful Insurance Tips
Insurance.com's Deadliest Days to Drive: 2007 Update
Safe driving is no accident. As incentive for motorists to think safety-first, consider this sobering data on drivers’ deadliest days, dates and times, published by the National Highway Traffic Safety Administration (NHTSA).
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Motorcycle Safety Awareness Month: Quick Tips for Motorcycle Safety
That glorious season of the year has once again rolled around – the sun is shining, the weather's warming, and it's time to fire up your motorcycle and head out on the open road. Before you do, it's worth your time to review these five quick safety tips from Insurance.com – a timely topic since May is Motorcycle Safety Awareness Month.
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8 Things You Should Know About Auto Insurance
Dealing with the ins and outs of auto insurance can be as tricky and confusing as trying to untie the Gordian knot. Although we can’t help you with the knotty Gordian problem, the following recommendations could help you figure out some of the more complicated points of auto insurance.
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Insurance.com's 2006 Auto Insurance Pricing Report: Car Insurance Rates on the Decline
Based on data drawn from the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006, 37 states saw a reprieve in 2006 from the high costs of auto insurance.
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Top 10 Things to Know About Life Insurance
We all recognize the importance of life insurance. But before you run out and purchase a policy, do some research ahead of time. Here are some helpful tips to get you started…
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All You Need to Know About Health Insurance


All You Need to Know About Health Insurance
Do you know everything you need to know about health insurance? Learn what types are available, what should be covered, how much it costs, deciding which plan is best and more…
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Top 10 Ways to Cut Your Medical Bills
Health care costs are on the rise, so now’s the time to evaluate how to lower your medical bills. Discover the top 10 easy ways to reduce costs today…
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How Healthy is Your Health Club?
Joining a health club could be a good way to get into shape and improve your overall health. But your health club could actually be jeopardizing your health. Here are some signs…
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How to Buy Life Insurance

How to Buy Life Insurance
Buying life insurance is an easy way to protect your family after you're gone. If you know what to look for, you can get great coverage at a price you can afford.
Why buy life insurance?
Topping the list of reasons to buy life insurance is the financial protection life insurance offers. If you're single and just starting out, you may not need life insurance. But as you take on more responsibilities and your family grows, your need for life insurance increases. The proceeds from a life insurance policy can replace the income lost to your family upon your death. You might also want to buy life insurance to pay off debts and expenses, leave money to charity, and cover final and estate expenses.

Choose term or cash value
There are two basic types of life insurance: term life insurance, which provides life insurance coverage for a specified period of time (the term), and cash value (permanent) life insurance, which combines a death benefit with a cash value component. Cash value insurance offers lifetime protection, while term insurance may be the most affordable option if you're buying life insurance mainly for the financial protection it offers, and your need for life insurance is temporary (until your children leave the nest, for instance). Some term policies (called "convertible") will permit you to exchange the term life insurance policy for a permanent one at some point.

Decide how much coverage you'll need
The amount of life insurance protection you should buy depends on how much income your survivors will need, how much you own and owe, and the amount of other life insurance available to you. If you're married, both you and your spouse should consider buying life insurance. One of the easiest ways to estimate how much life insurance protection you should buy is to use a life insurance needs calculator.

Pick a number between 1 and 30
Term life insurance is usually offered for periods ranging from 1 to 30 years. Consider choosing a term that matches your need for life insurance protection. For instance, if your main reason for buying life insurance is to protect your 7-year-old twins until they're out of college, you'll want to buy a policy with a term of at least 15 years.

How much will it cost?
How much you pay for life insurance will depend on a number of risk factors, including your age, your health, whether you use tobacco, your family health history, and the type and amount of life insurance you're buying. Keep in mind that the premium you're quoted initially will increase later. For instance, when you buy term life insurance, rates are guaranteed only until the end of the term (annually for annual renewable term or at the end of a specified number of years for level term). While most life insurance policies can be renewed at the end of the term, you'll pay a higher premium for coverage.

Shop around
When comparing quotes for life insurance, make sure that the insurance coverage you're comparing is similar. And remember, any policy that you buy is only as good as the company that issues it. Find out what rating the company has received from major ratings services, such as A. M. Best or Standard & Poor's. These companies evaluate an insurer's financial condition and claims-paying ability. The company giving you a quote should provide you with this information. You can also contact your state's department of insurance to find out more about an insurer's record.

Submit an application
Once you're ready to purchase a life insurance policy, you'll fill out a life insurance application that contains questions about your current and past health history and lifestyle. You'll generally be required to take a medical exam, arranged and paid for by the insurance company. The answers you give on your application, along with the results from the medical exam and your past health history, will help the insurance company determine whether to offer you a policy, and if so, at what price.

Learn the lingo
Maybe a life insurance contract isn't as exciting as a best-selling novel, but read it anyway. Policy provisions, the amount of benefits, the premium, and other charges you'll pay will be listed along with other important information such as the beneficiaries you've named and the premium guarantee period. Make sure you understand everything in the policy. Under the laws of your state, you may have a "free look" period (typically at least 10 days) during which time you can cancel the policy without penalty.

Motorcycle Safety Awareness Month: Quick Tips for Motorcycle Safety


Motorcycle Safety Awareness Month: Quick Tips for Motorcycle Safety
That glorious season of the year has once again rolled around – the sun is shining, the weather's warming, and it's time to fire up your motorcycle and head out on the open road. Before you do, it's worth your time to review these five quick safety tips from Insurance.com – a timely topic since May is Motorcycle Safety Awareness Month.
Read entire article...

Wednesday, April 18, 2007

Fast, Free Insurance Quotes, Compare Life Insurance Easily...

USInsuranceOnline.com makes shopping for insurance easy. With insurance plans changing all the time and costs increasing constantly, getting the coverage you need at affordable rates can be a real challenge. USInsuranceOnline.com takes the guesswork out of insurance shopping by giving you FREE quotes from top companies in just minutes.

Whether you need health, life, auto, home, or small business coverage, USInsuranceOnline.com makes it easy to find great coverage at the lowest rates available anywhere. Simply fill out one of our short request forms and in just minutes, you'll receive several quote comparisons from top-rated companies. Start your FREE quote now!

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AAA, Aetna, AIG, Alliance for Affordable Services, Allstate, American Family Insurance, American Service Insurance, Assurant Health, Blue Cross Blue Shield Health Plans, CNA, Continental, Country Insurance, Dairyland Insurance, Erie Insurance, Farm Bureau, Farmers Insurance, Fortis, Golden Rule, Humana, Kaiser Permanente, Mega Life and Health, Mercury Insurance, Mid-West National Life, Nationwide, Progressive, Prudential, Safeco, Time Insurance, Travelers, The Hartford, Unicare, United Healthcare, World Insurance, and over 100 others.

* USInsuranceOnline.com is not an insurance company. We connect consumers with the insurance professionals they need to provide custom price quotes for a variety of insurance products. Quotes may not be available in all areas.


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Compare Life Insurance Easily...

It's Fast, It's Free and It's Easy!

● Free Auto, Home, Life and Health Insurance Quotes
Our quote form is fast and simple and does not require a credit check. We can get
you up to 5 quotes free and secure.

● Your Information is Safe
Your information is guarded with SSL encryption technology so you know it is
perfectly secure. Insurance Savings takes safety very seriously.

● We Save You Time and Money
We compare thousands of insurers in your area and offer you the best rates for your
situation. Let us do the heavy lifting.

● We Make It Easy
We work with 1000's of companies including Farmers Insurance and the the ones below. Get started above with
your free quotes and save time and money on insurance.
Enter your first name and zip
and get 5 free quotes in your immediate area.

Friday, April 13, 2007

American Life Insurance Company

Welcome to ALICO, a member company of American International Group, Inc
ALICO (American Life Insurance Company) is among the largest international life insurance companies in the world. ALICO has operations in more than 50 countries, with its main presence in Japan, Europe, the Middle East, Latin America and portions of Africa and the Caribbean. Headquartered in Wilmington, Delaware, in the United States of America, ALICO is licensed and regulated by the Delaware Insurance Department, as well as by other jurisdictions around the world.

ALICO's branches and subsidiaries provide a wide range of life and health insurance products through a network of approximately 28,000 agents and brokers.

The product lines include traditional life, accident and health, group insurance for large and small organizations, pensions, and annuities. We invite you to browse our site to learn more about ALICO and what we have to offer.

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American Life Insurance Company (ALICOAmerican Life Insurance Company (ALICO
Insurance

Avenida de los Toreros 3
28028 Madrid
Spain

Phone: 34-91-725-0077

Website: www.aig.com

Main Contacts:
Howard Rudolph
Send an Email


Other Offices: Buenos Aires, Argentina Oranjestad, Aruba

Melbourne, Australia Vienna, Austria

Baku, Azerbaijan Manama, Bahrain

Dhaka, Bangladesh Brussels, Belgium

Pembroke, Bermuda La Paz, Bolivia

Sao Paolo, Brazil Bandar Seri Begawan, Brunei Darussalam

Sofia, Bulgaria Calgary, Alberta

Vancouver, British Columbia Winnipeg, Manitoba

Halifax, Nova Scotia North York, Ontario

Montreal, Quebec Santiago, Chile

Guangzhou, China Bogota D.C., Colombia

Strovolos, Cyprus Prague, Czech Republic

Copenhagen, Denmark Quito, Ecuador

Garden City Cairo, Egypt San Salvador, El Salvador

London UK, England Tallinn, Estonia

Helsinki, Finland Cedex, France

Frankfurt am Main, Germany Maroussi, Greece

Guatamala City, Guatemala Tegucigalpa, Honduras

Hong Kong, Hong Kong Budapest, Hungary

Mumbai, India Jakarta, Indonesia

Dublin, Ireland Petah Tikva, Israel

Milan, Italy Kingston, Jamaica

Tokyo, Japan Amman, Jordan

Almaty, Kazakhstan Nairobi, Kenya

Seoul, Korea Riga, Latvia

Beirut, Lebanon Schaan, Liechtenstein

Vilnius, Lithuania Luxembourg City, Luxembourg

, Macau Kuala Lumpur, Malaysia

Valetta, Malta M�xico, D.F., Mexico

Rotterdam, Netherlands Curacao, Netherlands Antilles

Takapuna, New Zealand Oslo, Norway

Jibroo, Oman Karachi, Pakistan

Panama, Panama Port Moresby, Papua New Guinea

Asuncion, Paraguay Lima, Peru

Makati Metro Manila, Philippines Warsaw, Poland

Lisbon, Portugal Hato Rey, Puerto Rico

Doha, Qatar Bucharest, Romania

St. Petersburg, Russia Riyadh, Saudi Arabia

, Senegal Singapore, Singapore

Bratislava, Slovakia Braamfontein, South Africa

Colombo, Sri Lanka Stockholm, Sweden

Zurich, Switzerland Taipei, Taiwan

Bangkok, Thailand Port of Spain, Trinidad and Tobago

Istanbul, Turkey Kampala, Uganda

Kiev, Ukraine Dubai, United Arab Emirates

Phoenix, Arizona San Francisco, California

Denver, Colorado Glastonbury, Connecticut

Washington, DC, District of Columbia Coral Gables, Florida

Atlanta, Georgia Agana, Guam

Chicago, Illinois Indianapolis, Indiana

Des Moines, Iowa Boston, Massachusetts

Minneapolis, Minnesota St. Louis, Missouri

New York, New York Cleveland, Ohio

Portland, Oregon Philadelphia, Pennsylvania

Dallas, Texas Richmond, Virginia

Seattle, Washington Brookfield, Wisconsin

Montevideo, Uruguay Tashkent, Uzbekistan

Harare, Zimbabwe

Professionals Management Structure
More Information




Company Overview

AIG is the world's leading international insurance and financial services organization, with operations in approximately 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In the United States, AIG companies are the largest underwriters of commercial and industrial insurance, and AIG American General is a top-ranked life insurer. AIG's global businesses also include financial services, retirement savings and asset management. AIG's financial services businesses include aircraft leasing, financial products, trading and market making. AIG's growing global consumer finance business is led in the United States by American General Finance. AIG also has one of the largest U.S. retirement savings businesses through AIG SunAmerica and AIG VALIC, and is a leader in asset management for the individual and institutional markets, with specialized investment management capabilities in equities, fixed income, alternative investments and real estate. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.

IF YOU HAVE QUESTIONS, PLEASE CONTACT:

Howard Rudolph
Marketing Manager
AIG - Afinity Group
175 Water Street
Suite 2300
New York, NY

Tel. 212-266-5645
(Fx) 212-458-6173

Email: howard.rudolph@aig.com



Business / Commercial

General Insurance:

Accident & Health

IG Aviation, Inc.

AIG eBusiness Risk Solutions

AIG Environmental

AIG Global Energy

AIG International Services Inc.

AIG Medical Excess

AIG Risk Finance

AIG Risk Management

AIG Small Business Underwriting Center

AIG Surety

AIG WorldSource

American Home Assurance Company

Group Management Division

Lexington Insurance Company

Mergers & Acquisitions





Home Office Address
One ALICO Plaza,
600 King Street,
Wilmington,
DE 19899 U.S.A.
Click here for directions


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American International Group, Inc. (AIG) is the leading U.S.-based international insurance and financial services organization and the largest underwriter of commercial and industrial insurance in the United States. Its member companies write a wide range of commercial and personal insurance products through a variety of distribution channels in approximately 130 countries and jurisdictions throughout the world. AIG's global businesses also include financial services and asset management, including aircraft leasing, financial products, trading and market making, consumer finance, institutional, retail and direct investment fund asset management, real estate investment management, and retirement savings products. American International Group, Inc.'s common stock is listed on the New York Stock Exchange, as well as the stock exchanges in London, Paris, Switzerland and Tokyo.