Free Lingerie Babes Calendar with any Insurance Policy!... Pardon?
NoClaimsDiscount.co.uk details the apparent free-fall from conservative to "anything-goes" in the attitude of insurers when it comes to marketing their products. Have some insurers taken their marketing strategies too far? Are half-naked girls the best way to promote van and motorcycle insurance policies? (PRWeb Dec 1, 2008)

Read the full story at http://www.prweb.com/releases/lingerie_babes/van_insurance/prweb1680654.htm

]]>
InsureMe Launches 'Preferred Lead Program' for Agents
Product innovation gives agents more control: InsureMe, an insurance lead generator, recently unveiled a service designed to help member agents improve closing ratios for the online leads they purchase by reducing their competition. (PRWeb Dec 1, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1681204.htm

]]>
Percussion Adds to Management Depth, Begins to Execute on Growth Plans
Percussion announces the appointment of Bill Beardslee, Peter Webster and Scott Durgin to the management team. Bill, Peter and Scott joined the company earlier in the year and have already marked early results in the field. (PRWeb Dec 1, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1683484.htm

]]>
Adrian Flux Helps LPG Conversions Beat Credit Crunch
Motor insurance specialist broker Adrian Flux Insurance Services is reassuring customers that they needn't worry about insurance being the sticking point in considering an LPG 'retro-fit'. (PRWeb Dec 1, 2008)

Read the full story at http://www.prweb.com/releases/LPG/insurance/prweb1689384.htm

]]>
Olympic Champion Pays Tribute to 'Great Talents' at Medical Journalism Awards 2008
Olympic Champion Sally Gunnell has paid tribute to the talents of "skilled and committed journalists" who were recognised last night at the Medical Journalism Awards 2008. (PRWeb Nov 30, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1680084.htm

]]>
LV Strengthens its Enhanced Annuity Offering
LV= strengthens its enhanced annuity offering meaning people with minor medical conditions could be entitled to higher levels of income. (PRWeb Nov 30, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1680854.htm

]]>
Insure4USA.com Launches Website to Provide Local Provider Comparisons
Insure4USA.com recently announced the launch of their new online service which provides individuals with fast, free insurance quotes from their local insurance representatives. (PRWeb Nov 29, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1677324.htm

]]>
Measures Announced to Stop Retail PPI Providers Ripping Off Consumers
Payment Protection Insurance providers in the retail sector could be forgiven for thinking they'd been overlooked when it comes to sanctions on selling policies, as they weren't included in the Competition Commission's remedial measures to secure better deals for consumers, suggests PPI lobbyist Sara-Ann Burgess from Burgesses. (PRWeb Nov 29, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1679684.htm

]]>
Cape Fox Professional Services Gets Additional $3.8 Million for Marine Corps Traffic Safety Program
The U.S. Marine Corps obligated Cape Fox Professional Services (CFPS) $3.8 million in funding to support its existing Navy and Marine Corps Traffic Safety and Recreational Off-Duty Safety Program (TS/RODS) contract. 25 Marines have been killed in motorcycle crashes since November 2007. The TS/RODS program was developed to significantly reduce deaths and injuries as a result of traffic and recreational accidents. (PRWeb Nov 27, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1673274.htm

]]>
Government Moves Will Not Prevent Widespread Repossessions Says Burgesses
Government moves to prevent widespread home repossessions are doomed to failure, says one influential commentator. (PRWeb Nov 27, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1672734.htm

]]>
Puridiom and e-Procurement: The Next Level in Procurement Performance
E-Procurement continues to advance supply management to the “next level” of procurement performance, according to AberdeenGroup’s latest E-Procurement Benchmark Report. The research, sponsored in part by leading e-Procurement provider Puridiom, details the goals, strategies, and performance of over 400 enterprises, relaying the constant pressure placed on the shoulders of procurement professionals to deliver value to the enterprises while driving innovation, improving overall purchasing strategies, and avoiding obstacles caused by globalization. (PRWeb Nov 27, 2008)

Read the full story at http://www.prweb.com/releases/puridiom/e-procurement/prweb1675174.htm

]]>
Business Insurance Now Founder Gains Insight into New Insurance Trends at International Conference
Jim Cochran, founder of Business Insurance Now attended the PLUS conference, a gathering of professional liability insurance professionals. His visit allowed him valuable insight into market trends, knowledge he is eager to pass on to his business insurance clients. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/professional/liability/prweb1665524.htm

]]>
Bob MacDonald Warns New Insurance Regulations Needed To Protect Insurance Companies---From Themselves
Bob MacDonald, former CEO of Allianz Life of North America and financial services maverick, warns state insurance regulators that insurance companies need greater supervision to head off industry failure. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1665114.htm

]]>
Post Office® Remains Consumer Favourite for Foreign Exchange and Travel Insurance
Post Office wins at British Travel Awards 2008. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1667544.htm

]]>
Pre-Budget Report - Unable to Deliver Same Practical Support as PPI Says Burgess
Homeowners worried about meeting their mortgage commitments will take little comfort form Alistair Darling's pre-budget report - he's failing to provide immediate financial support for those who lose their jobs and postponing, rather than removing the threat of repossession, says Payment Protection Insurance lobbyist Sara-Ann Burgess from Burgesses. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/protection/insurance/prweb1667834.htm

]]>
PPI continues to be sold through stealth says Burgess
Feedback from the Financial Ombudsman Service (FOS) indicates lenders are continuing to ignore calls to treat customers fairly when selling Payment Protection Insurance, says PPI lobbyist Sara-Ann Burgess from independent provider, Burgesses. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1669034.htm

]]>
Innovation Partners International Sponsors International Innovation Expedition in Health Care
Innovation Partners International announces sponsorship of the Second International Innovation Expedition in Health Care. The Innovation Expedition is designed to share learning across health systems and the continuum of care, to foster understanding and development of new ways of providing more effective and efficient care. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1662754.htm

]]>
14 Retail/Wholesale Agencies Explore Vision for Best-in-Class Agency 2015
35 US agency managers meet in China to discuss barriers to growth and define best in class agency models for 2015 in the face of a changing industry. (PRWeb Nov 26, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1664954.htm

]]>
Biotech Endorsement Insurance Discount Expanded to Nebraska, Kansas Growers Planting Corn with HERCULEX® XTRA Traits
Corn producers in Kansas and Nebraska planting products with the HERCULEX® XTRA traits are now eligible for crop insurance premium reductions through the Biotech Endorsement program. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008HERCULEX_XTRA/crop_insurance/prweb1668024.htm

]]>
Castle Cover Uplift Contents Insurance By 10%
Over 50s insurer is providing extra contents cover over the Christmas period. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/over-50s/contents-insurance/prweb1661424.htm

]]>
Burgesses Blasts Brokers Over Repossession Nightmare
The revelation that more than one in five homes is for sale because owners cannot afford mortgage repayments could be evidence that intermediaries have 'been asleep at the wheel'. That's the belief of Sara-Ann Burgess, the Managing Director of independent protection insurance specialist Burgesses. She says that if the majority of mortgage brokers had been carrying out their duties in a professional manner then far fewer homeowners would be in danger of losing the roof over their heads. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1661374.htm

]]>
Confused.com Warns Those Seeking Sunnier Climates to Check Their Home Insurance
Holiday-goers reminded to ensure they are covered this winter. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1661524.htm

]]>
In Economic Uncertainty, Check Travel Insurance "AM Best Ratings" Squaremouth Warns
In the midst of a global economic downturn, the last thing vacationers should worry about is whether their travel insurance company will still be there when it comes time to make a claim. But there's an easy way to measure an insurer's financial health: check its AM Best rating. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/travel-insurance/ambest/prweb1662184.htm

]]>
Third Party Fire & Theft - Not Just for Old Bangers
Norwich Union Direct launches new online channel for Third Party Fire & Theft car insurance. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1662234.htm

]]>
Never has PPI Advice Been More Important Says Burgesses
Repossession, redundancy and recession are driving the need for good quality payment protection insurance (PPI) advice, according to Sara-Ann Burgess, director at PPI specialist Burgesses, and a longstanding campaigner for change in the market. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/protection/insurance/prweb1663464.htm

]]>
Economic Downturn, Layoffs Can Spark Entrepreneurial Spirit: Social Media Marketing Workshop to Teach Businesses Ways to Increase Visibility and Revenue
To help new entrepreneurs, established business owners and individuals concerned about layoffs or future employment issues and business owners struggling to get visibility and online traffic, two experts in social media/marketing and training will present a three-hour webinar on Social Media Marketing for Business from 1:00 PM to 4:00 PM (EST) on Tuesday, Dec. 9, 2008. The webinar will focus on teaching businesses and individuals to establish and be noticed with an online presence. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1665144.htm

]]>
BenefitMall and HealthSmart Join Forces to Offer New Self-Funded Benefit Solution
BenefitMall has entered into a strategic marketing agreement with HealthSmart Benefit Solutions. Beginning December 1, 2008, HealthSmart will become BenefitMall's integrated self-funded solution for employer groups with 50 or more enrolled employees. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1665414.htm

]]>
New Statutory Data from SNL Financial Shows a Decline in Net Operating Gain for Life Insurance Companies
Weak equity markets are the culprit for significant decreases in annuity account balances and income in the third quarter of 2008. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/SNL_Financial/Life_Insurance/prweb1669504.htm

]]>
Columbus Direct Win Major Travel Insurance Award
The International Travel Industry Journal (ITIJ) award for intermediary of the year in 2008 has been presented to Columbus Direct (http://www.columbusdirect.com). Columbus, who are one of the UK's longest established travel insurance companies, won this award in a category that included fierce competition from other holiday insurers. (PRWeb Nov 25, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1652574.htm

]]>
Send Technology Announces First User-Friendly E-Mail Encryption Service for Businesses and Individuals
Easy-to-use Send.™ free secure e-mail for protecting confidential information now readily available to small- to medium-size business and individual e-mail users. (PRWeb Nov 24, 2008)

Read the full story at http://www.prweb.com/releases/free-secure-email/email-encryption/prweb1660254.htm

]]>
US Fidelis Continues To Hire Workers Despite Slumping Economy
St. Louis area company, US Fidelis, has added more than 400 workers in the past two years and continues to recruit for full and part-time positions. (PRWeb Nov 24, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1646724.htm

]]>
Slow Pace of PPI Change Creates Problems for Consumers, Says Burgess
It will take at least a year for recommended changes to the payment protection insurance (PPI) market to come into effect leaving the potential for many thousands to fall foul of old problems. (PRWeb Nov 24, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1651344.htm

]]>
Seyfarth Shaw Adds Team of 14 Business Services Attorneys to NYC Office : Group totals twenty, including para professionals and staff. All are from Thelen LLP.
Seyfarth Shaw LLP, one of America’s leading full-service law firms, today announced that the firm’s New York office has significantly deepened its Business Services Department bench with the addition of a team consisting of nine corporate and finance attorneys, four trusts and estates lawyers and one real estate attorney. Stanley E. Bloch, Lawrence B. Brownridge, E. Ann Gill, Joel M. Handel, Christopher J. Lagno, Andrew Lucano, William B. Norden and David M. Warburg join the firm as partners. Douglas F. Allen, Jr. and Eric D. Martins join the firm as Of Counsel. Yoni Frider, Ying Li, Lawrence D. Mandelker and Ani C. Manoukian will join the firm as associates. All were previously with Thelen LLP. (PRWeb Nov 24, 2008)

Read the full story at http://www.prweb.com/releases/new_york/university_school/prweb1663144.htm

]]>
Insurance Technologies Launches eTurborater Online Automobile Consumer Rating System for Insurance Agency Websites
Insurance Technologies Corporation, a leading provider of insurance rating, agency management, and website solutions, announced the launch of eTurboRater, an online automobile consumer rating product for the independent agent. With this release, insurance agencies in nine states can provide instantaneous comparative quotes to customers via their agency website. State availability includes; Colorado, Illinois, Indiana, Missouri, Ohio, Oklahoma, Tennessee, Texas, and Virginia. (PRWeb Nov 24, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1649824.htm

]]>
Worried Consumers Study Insurance Options
American consumers and businesses aren't waiting for a new national political administration to take office and introduce promised healthcare reforms. They're exploring for themselves in record numbers insurance coverage options and available economies, the independent Insurance Bureau reported today (PRWeb Nov 23, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1655154.htm

]]>
MediGap Advisors Announces Open Enrollment for Medicare Supplement Plans
Open enrollment is now happening for Medicare Advantage Plans. These plans cover expenses not covered by Medicare, and may also include Part D Prescription Drug Coverage. Many consumers are now shopping online for instant quotes and applications. (PRWeb Nov 22, 2008)

Read the full story at http://www.prweb.com/releases/medigapadvisors/medicaresupplementplans/prweb1644684.htm

]]>
PPI an Antidote to Mortgage Arrears Says Burgesses
Figures released by the Council of Mortgage Lenders, detailing an alarming growth in the number of homeowners falling into mortgage arrears, has prompted Payment Protection Insurance lobbyist Sara-Ann Burgess to urge homeowners to purchase cover that pays a monthly income should they lose their jobs. (PRWeb Nov 22, 2008)

Read the full story at http://www.prweb.com/releases/protection/insurance/prweb1651884.htm

]]>
Tiscali Renews Deal with Insurancewide.com to Offer Leading Edge Comparison Service
Insurancewide.com, the UK's original and still the best online insurance comparison service, has signed a fourth annual agreement with Tiscali, the broadband, telecoms and media company, to continue acting as Tiscali's preferred insurance comparison partner on www.tiscali.co.uk. (PRWeb Nov 22, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1646344.htm

]]>
NeoFuse 2.0 Business Building Network Launches Exclusive Referral Lead Generator Program -- Free Trial Membership and 24/7 Business Building Referrals
Combines the best of Linkedin®, facebook, MySpace, craigslist, and BNI® Networks -- With millions of visits per month on average in the original Neofuse beta edition, the newly revised NeoFuse 2.0 is now a community of small to midsize business owners and entrepreneurs who are re-inventing how business is done. (PRWeb Nov 21, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1650584.htm

]]>
Car Insurance News: When it's in Store Make Sure it's Covered - With More Than a Blanket
Vehicles in storage aren't covered by household insurance warns Flux. (PRWeb Nov 21, 2008)

Read the full story at http://www.prweb.com/releases/2008/11/prweb1651554.htm

]]>


changes with inflation. Some policies of this type may have premiums that rise with inflation too, but some do not.

· Lastly a decreasing term policy pays out an amount on death that decreases through time, getting smaller as the policy progresses. A long-lived customer may even outlive the point where the policy pays anything at all.

These policy types often form part of loan or mortgage deals. There are benefits to each type, depending on the loan or mortgage it is being used to safeguard.

Level term policies are most usually used with interest only mortgages. This type of mortgage does not reduce the capital you borrowed with time – you only pay off the interest. When you die, the capital amount is paid off by the policy payout. Whatever may happen with inflation, it does not change.

Increasing term policies cost more, but offer protection against inflation.

Decreasing term policies are usually used with repayment mortgages. In this type of mortgage the capital is paid off along with the interest, decreasing the amount you owe. This type of has lower premiums than level term insurance.

Term policy payments can be settled in two ways: either as a single or “lump” sum, or as “family income benefit”. This second method means that an agreed amount is paid to your family as an income for the remaining duration of the policy. The method you use affects the cost of the premium you will have to pay. If you consider that the longer a policy holder lives, the fewer family income payments an company will have to make, you can see why this type is cheaper.

So far, we have only discussed for mortgages and loan payments. These are both useful, but there are other things you can do to ensure peace of mind.

A typical, average family, it is estimated, will need for both parents worth at least £150,000 in for each child, in addition to any death-in-service benefits you may expect ( these usually come with your employment). Taking the option of family income benefit, it’s recommended that you should allow for an income of £20,000 to £25,000 a year for each child.

There is another alternative form of life insurance. It pays out a guaranteed sum on the death of the policy holder (the sum assured), and is known as whole of life. The terms for this type of vary.

You can also buy life bundled with your pension fund. This gives you the opportunity of getting tax relief on the premiums you pay. A higher rate tax payer can get £100 worth of life for only £60, which makes this an attractive method to some. On the downside, higher administration costs for this type mean higher premiums overall, so basic tax rate payers may prefer to shop around and compare to make sure they get the best deal.

Some couples take out a joint policy covering both at once, but it’s better to take out individual insurance. The reason for this is that a joint policy pays out only once, when the first partner dies, but individual policies pay out for each partner.

We’ve given an overview of the different policies and what might be best for you here, but for more in-depth and up-to-the-minute advice we recommend finding an Internet broker. Surf onto the ‘net, and into a great deal – and peace of mind for you and your family, hopefully for many years to come!

Article Source: Articles Beyond Better

Life Professionals great articles based around life assurance.

Here are some more insurance articles...