Back to the (Marriage) Future

The last real blog post here discussed wedding insurance. In the course of another research project, I came across an interesting letter from the Department of Insurance in Lansing, MI dated April 9, 1931. The letter discussed speculation in marriage futures.

You have submitted to this Department a Specimen of a Contract. . . which
certificate has the form of an insurance policy. . . .The object of the
corporation, as expressed in its articles, are 'to encourage marital relations
by aiding prospective candidates for matrimony, to provide funds therefor and to
enter into contracts in relationship to the same in the state of Michigan, and
elsewhere in the United States of America and the Dominion of Canada.'

You request an opinion from this Department as to whether the proposed
contract is an insurance policy and therefore subject to the jurisdiction of the Insurance Department.

The marriage speculation insurance appears to have been set up like a fraternal benefit society. Members paid in and then received funds for their wedding once they got married. Unlike Fraternals though, the marriage contracts didn't seem to meet the criteria of insurance.

The Michigan Division's letter goes on to describe the definition of insurance citing case law and Couch on Insurance. It also makes clear that marriage "insurance" is not new, there was a case in Alabama on marriage insurance which found such a contract void (in this case the contract paid more the longer you postponed your wedding). Similar cases had the same findings in Pennsylvania, Indiana and Maine.

If you are interested in seeing the letter in full, please feel free to contact the library. We also have some information on the history of fraternal benefit societies in general.

Falling Off the Wagon

Dear readers (if there are any left). I am so sorry I've failed to write for so long. There are lots of things currently in the works here at the library (stay tuned for updated information on the Insurance Professional of the Year Award Ceremony and an Education Fair!) and I got distracted from my commitment to keep this blog current.

Back when I made the commitment, I had said sometimes the blog posts would be light and merely mention some articles we found interesting. I should have at least kept up posting those light posts because when you stop blogging for awhile there's a pressure to come back with something big.

I have a post that was started back in May on wedding insurance, but other than that, I think we'll have to be content with light content. I promise something more researched by the end of summer though (any suggestions on areas of interest?).

As always, thank you for your continued support, of the library and this blog!

Choosing Auto Insurance Made Easy With Auto Insurance Quotes Online

Many people save for a number of years in order to afford a deposit for a vehicle. Buying a vehicle comes with a compulsory requirement of auto insurance. Auto insurance covers natural and manmade calamities such as lightening, floods, earthquakes, and also personal accidents. Technically, it provides protection against the physical damage caused and/or bodily injury resulting from traffic collisions and other unavoidable circumstances. If a vehicle’s auto insurance policy is not renewed, driving that vehicle becomes illegal. Also, unfortunately if the vehicle has an accident, one cannot ask insurance company to pay the claims. It is, therefore, important to have timely renewal of your auto insurance policy.

With a number of auto insurance companies vying for customer base in the market, finding the right policy with the right insurer is not an easy task. Finding out the right insurance policy fulfilling the requirement of being cost effective can be a time consuming process. In order to assist you in the endeavor of finding the right auto insurance for your vehicle, going for auto insurance quotes online is the right way out.

You are required to fill in the form available online with the sites providing the service. After submission of information, the insurance expert contacts you and provides you with the most competitive quotes. By means of these online quotes for your auto insurance, you can avail the quotes provided by various insurance providers under one roof which will help you pick up the one which suits you the best.

The premium of your auto insurance depends on a variety of factors including gender, age, classification of your vehicle, etc. It is therefore indispensible to fill in all the details correctly in the online form. Look for quotes and policies that offer you the coverage that falls within your budget. Also, when comparing the quotes, if possible, you should try to buy more coverage than you think you will need. You should examine policies scrupulously to inspect the full coverage. Be observant to understand agency’s restrictions. You can also determine the payment schedule that will work for you.

Your auto insurance gives you confidence to drive fearlessly. Also in case of emergencies, it acts like a boon. Comparing quotes and policies online today saves a lot of your time and sweat in search for an affordable and appropriate auto insurance policy.

CSA is one of the well known professional agencies that provides you with a wide variety of insurance information and auto insurance quotes online. For more information about them and various services offered by them you can logon to their website http://www.campbellsolberg.com.

Benefits Of Seeking Auto Insurance Quotes Online

There is no way of telling when an emergency can happen so it is best to be prepared for the unpredictable. That is why auto insurance is the need of every vehicle owner. Earlier, there was just one way to get auto insurance, that was to drive to different insurance companies to get the best possible quotes. Not only this process took a lot of time in making a choice but also it was a costly way to seek insurance. Furthermore, the search did not provide assurance of yielding the best results. Despite the effort, the probabilities of paying high interest rates and unsubstantial coverage were high. But now, Internet offers a better solution for your search for auto insurance. You can now avail a number of suitable quotes from various insurance companies while being seated in the convenience of your home or office.
There are many benefits of getting the auto insurance quotes online, some of them are as follows:

 You need not travel outside your home or office to search for the auto insurance quotes to make a selection.

 The long process of searching for insurance quotes will now take only a few minutes via this method.

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 You would be able to seek a variety of options which you otherwise cannot avail despite your strenuous effort of traveling from one place to another.
In order to take advantage of availing these quotes, you need not have anything special. All you need is a computer and access to internet. You can easily search for firms offering this facility to get the insurance quote you want. By visiting their websites, you will be required to fill in a simple form asking for your information and probably vehicle description. After which you will get an e-mail from the provider to take things further.
You should be knowledgeable and clear about your insurance needs in order to yield the best possible results. If you combine the quotes you receive with a little bit of research about the insurance policies, you can find the best insurance policy for your vehicle.

CSA is one of the well known professional agencies that provides you with a wide variety of insurance information and auto insurance quotes online. For more information about them and various services offered by them you can logon to their website http://www.campbellsolberg.com.