Consumer Services for Lost Life Insurance

One of the many services that The Insurance Library provides for consumers, is to locate current contact information for life insurers. Often people obtain a policy when they first start working, get married or have their first child. They then stick with that policy for the next 50 or so years. In the meantime, the policyholder may receive a letter or two informing him of mergers, acquisitions or just name changes. Unless they're hoarders (and let's be honest, even if they are how would they find a particular piece of paper?), most people end up throwing out the update. When the time comes for beneficiaries to make claims, they only have that original policy with a company name that might be three times removed from the current name. The Library is always happy to use our resources to help consumers trace the insurance company forward and provide them with current contact information.

A recent article in the New York Times caught my eye, though. It deals with another request we often get from consumers, lost policies. Sometimes a person calls and, instead of having a copy of that original policy, (giving us a foot in the door on the research) they just know that their loved one had a policy, but can't find any documents mentioning with which insurance company the policy was placed.

It's unfortunate, but there's not much we can do in a situation like that. If the person who died worked for a company for a significant amount of time, it's often useful to contact that company and see if there was a group life policy put in place through them. They would be able to let the beneficiary know which life insurance company they used and benefits can be found that way. There are also some companies out there who can try and trace if the person applied for life insurance, but it costs money to initiate the trace and they don't always get results.

The Insurance Information Institute has a great article outlining steps consumers can take when searching for lost life insurance policies.

State insurance regulators in at least 30 states are working hard to make lost policies less of a problem. The New York Times article I mentioned above discusses three life insurance companies who have settled with various states over "failing to keep track of policyholder deaths, trapping money that should have gone promptly to the beneficiaries." The companies have pointed out that: "Contractual language in the life policies says the survivor, or a representative, must file a claim to receive the payment. State insurance regulators said [the companies] made the case that they had not broken any laws by failing to seek out the survivors, but could have done more than they did."

We'll see how this issue progresses and if there are any major developments we'll try to write on this topic again!

Did you just said you do not need Quotes on Home Insurance

From the yesteryears, having a home remained the top priority of whole mankind, before building one, a man keep on dreaming about how he want it to be, and once he done, his thoughts are occupied with, how to protect his nest from blood sucking bats. One can protect his dwelling from the things that are worldly, but humankind is still forlorn when the intruder is someone out of this world, “the dreadful weather”. Indigestibly, science is still not capable enough of judging the direction of evil winds, but through home insurance quotes , one can mitigate his pain of losing a shelter and with the financial aid, one can get his sinking ship out of the storm.
In this article, I want to submit a gist of discussion (Interviewer and Insurance Expert) that I extracted from a radio program about home insurance last week.
Interviewer: Though we all know, yet I would like you to tell us why we need a home insurance.
Insurance expert: As you just said in you introduction of this program, we can protect our home from those danger that we can fight with, but sometime there are some invasion about which we found ourselves powerless. Take an example of a windstorm or lightening, anyone for sure cannot fight back with them. That is we request you to check with nearest home insurance companies about home insurance quotes .
Interviewer: What sorts of dangers are generally covered by these insurance policies?
Insurance Expert: The insurance policies in general, are expected to cover some common disasters such as, windstorm or hail, explosion, theft, fire or lightening, civil commotion or riots, damage done by an airplane/aircraft, sabotaging done because of vandalisms or wicked monkey business or smoke. But there are some insurance policies that also cover damages introduced by a falling object, snow sleet, plumbing or damage brought by heating system malfunctioning, incidental or sudden failure caused by artificially generate electric current.
Interviewer: I have heard about type of home insurance policies, what are they?
Insurance Expert: Yes, there are types of policies; for homeowner the privileges are different as compare to some who rents. A homeowner, who house is his investment, can go for policies like bare bone which is also termed as limited coverage policy, basic policy, most popular policy and older home policy. Whereas, someone who is renting a property, is eligible only for H04 renter policy, which covers all parts of apartments and all above discussed disasters as well.
Interviewer: This was indeed a master piece of information about home insurance quotes . Thank you for coming in. Visit http://www.campbellsolberg.com/ for details.

Don't Say We Didn't Warn You!

About a year ago we posted on wedding insurance. While most of those links are all still appropriate if you're searching for wedding insurance information, wedding season is gearing up again and we thought we'd revisit the topic. It's especially appropriate since Property Casualty 360 just put an interactive article on their website entitled: Top Wedding Insurance Claims of 2011.

We encourage you to take a look at their article which is well illustrated and has good explanations. Below is a pie graph we created based on their article, though, in case you're looking for the quick and dirty break down of Travelers' wedding insurance claims from last year:

Just like we mentioned last year, if you have any questions about whether your own homeowners insurance or other policies cover wedding-related risks, or whether you should get a stand-alone policy, you should contact your Insurance Agent.

Discussing the Benefits of getting Home Insurance Quotes Online

Introduction- Nowadays, internet has offered an average homeowner with an access to a wide variety of information related to homeowner insurance making it easier to get Home Insurance Quotes online easily. While you go through the list of insurance providers, you are very keen to see whether they provide an online form that allows you to get an instant online home insurance quotes. Prior to begin filling the online form, it is very important that you are aware of all the necessary information required by the insurance company. Following are some points discussed as to what you actually require to get home insurance quotes online-

Quick and easy- Primarily, you can have a home insurance quote online quickly. Getting it online and that too without wasting your precious time, what more could you ask for. It is accessible around the clock. All you need is to fill out the online form given on the official website of the insurance provider and submit it. Your online quote is reviewed within minutes. It surely saves your valuable time in fixing an appointment with an insurance agent.

Saves money and time- Getting home insurance quotes online saves your valuable time and money. There is no need to get your home personally inspected by an insurance agent, which helps in saving your money. Using most of the online insurance quotes are quite easy. They will be inquiring you about your home and its contents so that they are able to provide you with an exact quote.

Getting multiple quotes- You enjoy the convenience of filling out multiple applications and you can also compared different quotes also. When you have requested online quotes from different insurance companies, shortly you will be start-getting quotes back. This helps you in choosing the best coverage at affordable prices while you enjoy the comfort of your home.

Convenient and hassle-free- Getting home insurance quotes online empowers you to apply for as many quotes you wish without traveling anywhere.

Coverage’s- You can have quotes for various types of policy coverage’s also. If you are living in an earthquake prone area, you can mention this optional coverage onto your rate quote.

Conclusion- The internet has really made things easier to get instant home insurance quotes without traveling from one place to another. With a little pre-planning, you will get your quotes in no time and it will help you save your money as well.

It is easy to avail affordable home insurance quotes online with the help of a little research. Visit http://www.campbellsolberg.com/ for details.

Can you allow yourself without a Home Insurance? So, get Home Insurance Quotes Now.

There are people who have spent their entire life in building a single house, where as there are others who are committed on burning the entire city.

Life is full of uncertainties and you will never know which way it will turn. To the date, building a house is a top most priority of every person and everyone strives hard for having one. People do everything they can do to protect their dream house, however, no one can predict the natural disasters, social disturbances and none of us is competent enough of escaping from the deadly jaws of demise. Although we cannot avoid the humanly loss yet we can mitigate the economic loss through insurance and home insurance quotes can help us to judge the reimbursement prices of our house.

What should one do to get the best home insurance quotes ?

The market is flooded with all sort of insurance plans and quotes; hence, it is not an easy task to select the best among those. One needs to take care of certain things such as:

In order to have the best home insurance quote, one must be clear about his needs for example, if the dwelling is in an earth quake or flood prone area, then one must make sure that the whether the insurance plan quoted covers the property against these natural calamities or does he requires to have another additional plan.

After you are done with your requirement’s homework, next comes is having all answers for the best insurance quotes. The online website offering quotes can ask to submit answer related to:

Home’s architect: brick, frame or other
heating facility
plumbing updates,
in case the house is pre-insured, the value of insurance
Information about high value assets like Jewellery, Camera etcetera

The more specific answers they more specific home insurance quote.

Once you know what sort of plan you are intending for, it is advisable to have a plan and price comparison. There are institutes that can help any aspirant contender n deciding the suitability of insurance plan for his property.

One must check, is there any sort of cost or rate deduction on the plan is available or not? These insurance companies keep on issuing plans with special discounts and cost reduction.

Why it is recommended to visit “insurance information and quoting centre” instead of insurance companies itself?

It is obvious that, insurance officers and arbitrators are trained to sell their insurance for bagging high commissions and incentives, hence expecting a true picture from them will be risky. Whereas these, “insurance information and quoting centre”, work for public in real and their sole purpose is to explain you an insurance plan with all its pros and cons.

How one can have detailed information about home insurance quotes ?
To have elaborative information about home insurance quotes, types of home insurances and other insurances as well, please log on to http://www.campbellsolberg.com.