Dental Care – South-Korea #rice #errors #and #omissions #insurance

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Dental Care

Dental Care in Korea is generally of a high standard. General dentistry, orthodontics as well as oral surgery are all available. Many dentists* have studied abroad and speak English.
*For information on expat recommended dentists/dental clinics, visit the Korea4Expats Director y.

1. Just because the name of the clinic is in English doesn t mean that the dental specialist speaks English.

2. If the dental practitionner does speak English, it doesn t mean that members of her/his staff (receptionist, technical, hygienists, etc) do. It is unlikely any of the support staff will have studied abroad, although the dentist quite likely has.

3. The cost of dental care in Korea is generally very affordable, especially compared to many of our home countries. Foreign residents, who have National Health Insurance Coverage. will find the costs even lower since many of the basic procedures are covered by the NHI.

4. Patients with National Health Insurance Coverage are required to sign a form authorizing the dentist to release information on the date of the patient s teetch cleaning/scaling. This is a requirement by NHIS as there is a limit of the number of teeth cleanings allowed in a given year. Patients will be asked to sign the form at their yearly teetch cleaning.

5. The majority of dental clinics will have cutting-edge or near cutting-edge equipment you can pretty much expect lots of technology.

6. Not all dental clinics have private treatment rooms. In some there may be 3-4 chairs in the same room all occupied. If there is one dentist, s/he may move from one patient to the other. That said, most of the clinics that cater to foreign patients, do have private or semi-private treatment rooms.

7. Most offices/clinics are very much up to international sanitatio/sterilization standards. However, this may not be the case in some of the more old-fashioned clinics described above.

8. Dental specialists in Korea, just like some medical practitioners, are rarely accused of being over-communicative. Explanations may be brief if they are given at all this is in part a language issue but also a cultural one. Many, especially those who are older and/or who have not trained/lived abroad, are not accustomed to answering questions or to justifying the decisions they make or the treatment they chose. Again, those outreaching to the foreign community are more likely to make a special effort to be more communicative.

9. Just as in other countries, there are good, not-so-good and excellent dentists and dental specialists in Korea. Shop around. Ask other expats about dentists they have visited and listen carefully to their impressions and feedback. Those that have studied abroad are not always the best choice, while those that have trained only in Korea should not necessarily be overlooked.

Finding a dentist you can trust can be a challenge. The Dental Specialists who have been accepted as advertisers on Korea4Expats.com have been recommended by expats who have used their services and we have visited their clinics.
See the Directory for details on each one.

NOTE. Some people have noted an increase in cavities during their stay in Korea. This may be the result of the absence of fluoride in dental products here – there is no fluoride in domestic toothpaste or mouthwashes (even in imported brands). If you are from a country where fluoride is commonly added, you should bring a supply of your own brands with you.

Last Updated on 2015-06-09

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Shop Best (Cheap) Term, Whole Life Insurance Quotes, AccuTerm, quotes for whole life insurance.#Quotes #for

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Basics of Life Insurance: Term, Whole Life

Just this year, the wife of one of our clients tragically discovered that her husband did not understand his life insurance. He had told her repeatedly that he had “tons” of life insurance but would never allow her to look at the policies. He promised that she would be well taken care of if anything happened to him. He died of cancer in May. She discovered eight different policies in his files. All eight were “accident only.” He did not have a single policy on which she could collect.

That is a true scenario and has no doubt happened many times in different families. You can avoid that heartbreaking situation with a simple understanding of the most common forms of life insurance. Our site is designed to provide you with the most necessary information along with links that will permit you to get quotes on the type of insurance that fits your needs.

Common Life Insurance Terms

Term Life

A term life insurance policy is temporary insurance. Like renting, you are covered for the agreed upon time period which could be anything from 5 to 40 years. “Cheap” term life insurance is often purchased because it is the least expensive of all types of policies. You pay only the cost of insurance and fees, and if you stop paying the premium, the policy simply lapses. It has no cash value except to the beneficiary upon your death. Its primary value is in protecting a debt or a growing family as it is very low cost for high face values. If you want to make a life insurance decision once in your life without having to worry about higher costs in later years, you may not want Term.

Types of Term Life

Level Term

While generally not as cheap in cost initially as Decreasing Term, Level Term keeps the same premium and face value for the life of the policy. usually be purchased anywhere from 5 year level to 40 year level.

Modified Term

Frequently sold through the mail. Typically begins with a low premium which is adjusted upwards at regular intervals, usually every five years. Increases in premium are steeper in later years. The policy terminates at the end of the term.

Graded Benefit Term

A policy with few, or no, health questions designed for those who can’t qualify for anything else. If the insured dies in the first two years, premium plus interest is refunded. After the initial two years, the entire face value is paid. A graded policy can also be “modified,” meaning it would have increasing premiums. These policies are fairly inexpensive although more expensive than level term due to simplified underwriting.

Decreasing Term

Decreasing Term is often sold as mortgage insurance, but few companies offer it any more due to the popularity of level term. It has the cheapest initial premium of any policy and begins with a high face value. Over time the benefit decreases, but the premium stays level. These policies are designed to end simultaneously with the debt they are protecting.

Types of Permanent Life

The opposite of Term Life is Permanent Life insurance. You pay premiums during your entire life or until you reach age 100. If you live to be 100 years old, you no longer pay premium. A permanent life insurance policy will build cash value that you can draw from or borrow against if you ever need to. If you no longer need the policy, you can surrender it for the cash value.

Whole Life

Whole life is one form of permanent live insurance. Guaranteed whole life will have a level premium and a face value that will be paid either upon your death or at the age of 100. Modified whole life will have increasing premiums. Graded benefit whole life will pay the face value provided that the insured does not die until after the two year waiting period. As with the Graded Term, a Graded Benefit Whole Life will have little to no health underwriting.

Universal Life

Universal Life is a permanent life insurance policy that is considered “flexible.” If properly written the premiums will not usually increase. However, you have the freedom to increase or decrease both the premium and the death benefit. Of course, you have to pass underwriting to increase the face value. Additionally, Universal Life builds a separate cash account which helps fund the policy in later years. Consequently, your premium is lower than that for whole life. Furthermore, if you had an emergency you could borrow against the cash account or even take a withdrawal from it.

It is this writer’s opinion that if well done, a universal life insurance policy can be one of the best, most flexible types of life insurance.

Second to Die Life

One Policy for Two People: Some companies offer whole life insurance policies that cover two people with one premium. These could be “first to die” or “second (last) to die.” In the first to die, the money would be paid out if one of the insureds dies, providing the survivor with necessary funds to pay bills and continue living. Last to die is used when the intention is to leave a legacy to a charity or other beneficiary when both of the insureds have passed. The premiums are little if any less than individual policies, but it is sometimes a way to get insurance on a partner who would not otherwise qualify due to health issues

Choosing a Company

It’s always best to choose a company that is financially stable. Life insurance companies are rated by organizations like A.M. Best, Standard & Poor’s, Moody and Weiss. Weiss is most strict, but also the most accurate because it does not accept payment or dues from the insurance companies. It is supported by investors and is thus free to give a highly accurate rating of any company.

Consumer sites such as freeadvice.com provide some information about companies. However, such sites should not be relied on exclusively. People often go online to rate a company only when they are upset with it, and their dissatisfaction is usually a result of not understanding their policy rather than of any wrong doing by the company. A better consumer choice is to check with the Better Business Bureau in your state to find out if the company has received any recent complaints.

Quotes for whole life insurance


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Health Care Systems – Four Basic Models #universal #health #care, #health #care #for #all, #single-payer,

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Health Care Systems – Four Basic Models

An excerpt from correspondent T.R. Reid s upcoming book on international health care, titled We re Number 37!, referring to the U.S. s ranking in the World Health Organization 2000 World Health Report. The book is scheduled to be published by Penguin Press in early 2009.

There are about 200 countries on our planet, and each country devises its own set of arrangements for meeting the three basic goals of a health care system: keeping people healthy, treating the sick, and protecting families against financial ruin from medical bills.

But we don t have to study 200 different systems to get a picture of how other countries manage health care. For all the local variations, health care systems tend to follow general patterns. There are four basic systems:

The Beveridge Model

Named after William Beveridge, the daring social reformer who designed Britain s National Health Service. In this system, health care is provided and financed by the government through tax payments, just like the police force or the public library.

Many, but not all, hospitals and clinics are owned by the government; some doctors are government employees, but there are also private doctors who collect their fees from the government. In Britain, you never get a doctor bill. These systems tend to have low costs per capita, because the government, as the sole payer, controls what doctors can do and what they can charge.

Countries using the Beveridge plan or variations on it include its birthplace Great Britain, Spain, most of Scandinavia and New Zealand. Hong Kong still has its own Beveridge-style health care, because the populace simply refused to give it up when the Chinese took over that former British colony in 1997. Cuba represents the extreme application of the Beveridge approach; it is probably the world s purest example of total government control.

The Bismarck Model

Named for the Prussian Chancellor Otto von Bismarck, who invented the welfare state as part of the unification of Germany in the 19th century. Despite its European heritage, this system of providing health care would look fairly familiar to Americans. It uses an insurance system the insurers are called sickness funds usually financed jointly by employers and employees through payroll deduction.

Unlike the U.S. insurance industry, though, Bismarck-type health insurance plans have to cover everybody, and they don t make a profit. Doctors and hospitals tend to be private in Bismarck countries; Japan has more private hospitals than the U.S. Although this is a multi-payer model Germany has about 240 different funds tight regulation gives government much of the cost-control clout that the single-payer Beveridge Model provides.

The Bismarck model is found in Germany, of course, and France, Belgium, the Netherlands, Japan, Switzerland, and, to a degree, in Latin America.

The National Health Insurance Model

This system has elements of both Beveridge and Bismarck. It uses private-sector providers, but payment comes from a government-run insurance program that every citizen pays into. Since there s no need for marketing, no financial motive to deny claims and no profit, these universal insurance programs tend to be cheaper and much simpler administratively than American-style for-profit insurance.

The single payer tends to have considerable market power to negotiate for lower prices; Canada s system, for example, has negotiated such low prices from pharmaceutical companies that Americans have spurned their own drug stores to buy pills north of the border. National Health Insurance plans also control costs by limiting the medical services they will pay for, or by making patients wait to be treated.

The classic NHI system is found in Canada, but some newly industrialized countries Taiwan and South Korea, for example have also adopted the NHI model.

The Out-of-Pocket Model

Only the developed, industrialized countries perhaps 40 of the world s 200 countries have established health care systems. Most of the nations on the planet are too poor and too disorganized to provide any kind of mass medical care. The basic rule in such countries is that the rich get medical care; the poor stay sick or die.

In rural regions of Africa, India, China and South America, hundreds of millions of people go their whole lives without ever seeing a doctor. They may have access, though, to a village healer using home-brewed remedies that may or not be effective against disease.

In the poor world, patients can sometimes scratch together enough money to pay a doctor bill; otherwise, they pay in potatoes or goat s milk or child care or whatever else they may have to give. If they have nothing, they don t get medical care.

These four models should be fairly easy for Americans to understand because we have elements of all of them in our fragmented national health care apparatus. When it comes to treating veterans, we re Britain or Cuba. For Americans over the age of 65 on Medicare, we re Canada. For working Americans who get insurance on the job, we re Germany.

For the 15 percent of the population who have no health insurance, the United States is Cambodia or Burkina Faso or rural India, with access to a doctor available if you can pay the bill out-of-pocket at the time of treatment or if you re sick enough to be admitted to the emergency ward at the public hospital.

The United States is unlike every other country because it maintains so many separate systems for separate classes of people. All the other countries have settled on one model for everybody. This is much simpler than the U.S. system; it s fairer and cheaper, too.

Note – Reid s Beveridge model corresponds to what PNHP would call a single payer national health service (UK); Bismark model refers to countries that PNHP would say use non-profit sickness funds or a social insurance model (Germany); and National health insurance corresponds to single payer national health insurance (Canada, Taiwan). Reid s out-of-pocket model is what PNHP would call market driven health care. Some countries have mixed models (e.g. Sweden has some features of a national health service such as hospitals run by county government; but other features of national health insurance such as physicians being paid on a FFS basis). This explains why Reid might classify the Scandinavian systems as Beveridge while PNHP classifies them as single payer national health insurance.


Get A Quote For Public Liability Insurance, Professional Indemnity and Commercial Vehicle Insurance #employee #liability

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Insuredrisks.co.uk for Public Liability Insurance, Professional Indemnity Insurance, Van Insurance

Running a business is a huge undertaking, and there are a number of obligations that you need to consider. One of the most important ones is ensuring that you’re fully prepared for any claims that could be made against you so you’re not held personally accountable, making liability insurance an essential consideration.

Why do you need liability insurance?

This form of insurance is there to provide valuable protection to you as well as your business in the event that a claim was to be made against you. You shouldn’t even consider trading until you’ve got this insurance in place, because having it there is vital if you want to be fully protected against anything that could happen.

But, having such a policy isn’t necessarily a legal requirement although it’s good business practice to have it, and some companies won’t even work with you unless you’ve got the necessary level of protection. There are a number of liability insurance options to consider depending on the needs of your business, and just a few of them are:

Public liability insurance. offers valuable protection against any unforeseen claims. If anyone were to be injured on your property or as a result of your work you’d be liable to severe penalties, making at a vital consideration to give you valuable peace of mind that everything is under control.

Employee liability insurance is often purchased as an addition to a current public liability insurance policy, offering additional cover in the event that an employee had an accident at work. It should always be considered by anyone that has any employees, because with it in place you won’t have to pay any legal fees or compensation out of your own pocket.

Professional indemnity insurance is slightly different in that it protects you against any claims from dissatisfied clients, for example if you mis-quoted them, printed false information that damaged their reputation, gave incorrect advice or if you infringed on their rights in some way. This is vital for many different professions, and again many companies won’t work with you until you have it in place.

These are just a few of your options, in each case the level of cover and added extras you can get will vary accordingly. Public liability insurance can include various different options depending on your industry and your individual needs, with employers’ liability insurance usually being an addition instead of a stand-alone policy. The same applies to professional indemnity insurance – you might only need a small amount of cover (if you’re a sole trader, for example) or you could be more comfortable with protection that runs into the millions. Whatever you need from insurance, it’s vital that you’ve got the policy to accommodate, making heading to the experts the only option.

Get public liability or professional indemnity insurance from the experts

When you come to insuredrisks.co.uk, you can be confident in getting cover that will totally meet your needs. You can tweak your policy accordingly to get the level of protection that’s right for you, giving you valuable peace of mind that you’re totally prepared for any eventuality.

Most insurers that specialise in this business will offer a range of different policy options, whether you’re looking for professional indemnity insurance alone or want to add public liability and employers’ liability insurance into the mix as well. The level of cover (and the resulting price) will vary accordingly, but it’s vital that you have everything that you need if you don’t want to lose out later down the line.

Why insuredrisks.co.uk for public liability/indemnity insurance?

If you’re looking for indemnity or liability insurance that can give you just what you’re looking for, you’ve come to the right place. We can offer a range of policy options to totally meet your needs, and with everything being tailor-made you can be sure that your policy will suit your exact requirements.

You can purchase the relevant insurance policies in no time at all; it’s quick, simple and totally hassle-free, because when you can get an instant on-screen quote and immediate cover you can be fully protected in the quickest time possible. We offer competitive pricing on all of our policies so you won’t be breaking the bank either, so for insurance that totally meets your needs, make sure to come to us today and you can run your business without having to worry about the consequences.


2011 Insuredrisks.co.uk is a trading name of Master Cover Insurance Services Ltd. Master Cover Insurance Services Ltd are authorised and regulated by The Financial Conduct Authority – 309016


General Liability Insurance for Small Businesses #liability #insurance #nyc

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General Liability Insurance

General Liability Insurance coverage helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business s assets at risk. For example, General liability insurance helps protect you and your business in the event of the following:

  • A customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.
  • While on the job, you accidentally damage a customer s property and the repairs are costly. Should a claim like one of these be made against your business, then your commercial general liability insurance policy may help pay for the damages.

What does Commercial General Liability Insurance cover?

The Hartford s Commercial General Liability Insurance offers some of the broadest business insurance coverage available today. It is included in our Business Owner s Policy and is available as stand-alone coverage. Here are a few of the risks a business could face that The Hartford can help protect against:

  • Bodily injury or property damage Helps protect against certain claims alleging financial loss due to property damage or bodily injury arising out of your business operations or products.
  • Reputational harm Helps protect your business against certain claims of false arrest, malicious prosecution, libel, slander, wrongful eviction, violation of the right of privacy and more.
  • Advertising errors Helps protect your business against certain claims if others allege you infringed on their copyrights when advertising goods, products, or services in your advertisement.
  • Medical payments Helps protect against certain claims for medical costs if someone is injured on the business premises and needs medical treatment.
  • Damage to premises rented to you Helps protect your business against certain claims for damage to premises rented to you due to fire, lightning or explosion.

Additional solutions

  • Extending Your Coverage If a contract requires a business to add individuals/entities to its business liability insurance coverage, The Hartford helps make it easy to add them to the policy.
  • Improve Safety and Reduce Risk One of the best ways to avoid a lawsuit is to run the safest business possible. The Hartford s Risk Engineering group is part of our General Liability Insurance policy team and can help with one-on-one risk management consultations and safety seminars. They can also find ways to save companies money with discounts for things like installing safety equipment and following best practices.

Need Specialty General Liability Insurance Coverage?

For higher hazard liability exposures, our Specialty General Liability group includes underwriters, risk engineering consultants and liability claims specialists who are experienced in hard-to place and unique products and premises risks. We offer solutions for manufacturers, wholesaler-distributors and importers of difficult-to-place products, as well as others with unique or difficult General Liability exposures. Stand-alone or bundled with other solutions from The Hartford, our Specialty General Liability coverage and services are designed to provide a total solution. Our coverage helps protect against third party injuries and associated defense costs in addition to other high hazard exposures.

Help protect your business with General Liability Insurance.

More and more businesses are being sued for things like negligence, libel, slander, property damage, bodily injury, copyright infringement among other things. And businesses can be sued even when they did nothing wrong.

That s why having general liability protection from The Hartford, a carrier that s been helping businesses prevail for more than 200 years, is critical.

Ready for a quote? Learn more about how you can tailor your business insurance.


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Home & Auto Insurance – Salt Lake City UT #insurance, #auto #insurance, #home #insurance, #car

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Homeowners and Auto Insurance in Salt Lake City, Sandy, UT and Surrounding Areas

Safeguarding Salt Lake City Residents and Businesses with Insurance Protection

At SentryWest Insurance Services, our mission is to families, businesses, and entire communities in living greater, safer, and more secure lives.

In working with us, you ll have access to quality insurance products and services. As an agency, we strive to not simply make sales, but, instead, provide the advice customers deserve to help protect what matters most. Our staff is comprised of professionals local to the Salt Lake City area, who are motivated to be experts in insurance, as well as the industries our customers live and work.

Agents Advising Clients on the Coverages Available

Our agents won t simply look at your current insurance program and copy it. We strive to be true insurance experts and trusted advisors. This translates to sitting down with customers to understand what makes them unique and identify risk exposures. Once we have this knowledge, we work to provide comprehensive, cost-effective coverage options, fitting for the insured individual, family, or business.

At SentryWest Insurance Services, we have access to a robust variety of the premier insurance companies and wholesale brokers to provide customers with the coverage options they deserve. This positions us to make certain our customers have competitive coverages that provide proper protection at competitive premiums.

Utah businesses are encouraged to learn more about our commercial insurance program. Through this program, we have the opportunity to tailor coverage to meet the needs of your respective industry whether you re a landlord, manufacturer, realtor, part of a home owners association, or operate a non-profit.

The personal insurance program we offer contains essential coverages for any individual or family, including homeowners insurance or auto insurance . We can also insure your assets beyond the protection of general liability coverage with a personal umbrella policy.

Earthquake insurance is a critical coverage for Utah residents and businesses to consider, especially those located along the Wasatch front. To gain further insight into the insurance products and services we produce, please contact an agent at your convenience.

A Focus on Friendly, Responsive Service

Service continues long after the policy purchasing process and we work to continually earn your trust, business, and referrals.

Our management supports and encourages employees to earn advanced industry designations. We primarily work with The National Alliance for Insurance Education and Research . Many of our employees have earned or are working to attain their Certified Insurance Counselor (CIC) and/or Certified Insurance Service Representative (CISR) accreditation.

Alongside quality insurance knowledge, we re also informed on happenings in the communities in which we live and work. Our staff volunteers their personal time with local organizations, while the agency as a whole works with several different charities. A selection of the charitable organizations we support includes:

Our offices span the communities of Salt Lake City, Ogden, Orem, Park City, Heber City, and Vernal, Utah. If you re interested in partnering with us, feel free to request a quote .

Additional Resources:

Our Locations


Oregon Car Insurance Companies #car #insurance #companies #in #oregon

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Oregon car insurance requirements are administered by the Oregon Department of Motor Vehicles and all drivers are required to have car insurance.

Any Oregon driver who gets involved in a car accident without having car insurance will have their driver’s license suspended for one year

Need a list of Oregon car insurance companies? Enter your zip code above to get FREE Oregon car insurance quotes.

Oregon car Insurance Requirements

It is illegal to drive in the State of Oregon without car insurance and minimum requirements exist for liability insurance coverage, personal injury protection and Uninsured Motorist Coverage. Although Oregon does not operate under no-fault car insurance laws the State does also require PIP insurance (which is uncommon). The minimum Oregon car insurance requirements are:

Liability Insurance Coverage

  • $25,000 bodily injury insurance per person
  • $50,000 combined bodily injury coverage for all persons per accident
  • $20,000 per accident for damages to property of others

Personal Injury Protection (PIP)

  • $15,000 personal injury protection coverage per person for at least one year after the accident to cover necessary and reasonable health expenses

Uninsured Motorist Coverage

  • $25,000 in coverage for injuries per person
  • $50,000 in combined coverage per accident

Any time you register a vehicle in Oregon you must certify and show proof of car insurance however there are some exceptions. Collector cars, Farm Trailers, Farm Tractors, Snowmobiles, ATV’s and other types of vehicles do not require auto insurance so if you own any motorized vehicle outside of traditional passenger cars its wise to contact the Oregon DMV about whether or not you will need to obtain insurance.

Oregon Car Insurance Companies

Many of the national car insurance companies offer coverage to Oregon drivers including Allstate, Progressive, GEICO and others. Oregon is also home to many local auto insurance providers who have a very intimate knowledge of the local market. Any driver searching for an Oregon car insurance company can quickly find a long list of providers.

Oregon Car Insurance Discounts

In terms of average car insurance rates Oregon is one of the least expensive states for auto insurance.

Oregon drivers average an annual premium of $1,194.60 for most drivers (almost 15% lower than the national average of $1,429.26)

Even with cheap car insurance rates drivers can still take advantage of many discounts such as:

  • Multi-Policy discounts
  • Multi-Vehicle discounts
  • Safe Driver discounts
  • Safe Vehicle discounts
  • Affinity group discounts
  • Low Mileage discounts
  • Loyalty discounts
  • Pay in Full discounts
  • Defensive Driver Course discounts
  • and more

Never settle for the first car insurance quote right away. Always compare Oregon car insurance companies, learn about discounts and make sure to compare policies based on all the details of coverage – not just the premiums.

Oregon Car Insurance Quotes

A lot of car insurance companies are cutting back on local agents and moving to an online presence so driving around looking for an Oregon car insurance company will never deliver a complete list of providers. Start car insurance comparison online and get a list of Oregon car insurance companies from the comfort of you home.


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Pittsburgh Car Insurance Agents #pittsburgh, #pennsylvania #insurance #agents, #pittsburgh, #pennsylvania #auto #insurance, #pittsburgh, #pennsylvania #home

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Car Insurance Agents in Pittsburgh, PA

Find a Nationwide Insurance Agent in Pittsburgh, Pennsylvania

Nationwide auto insurance

In a city like Pittsburgh, a few accidents are bound to happen no matter how much we try to prevent them. Looking for a way to celebrate each year of safe driving you rack up? Try out our Vanishing Deductible program. And know that when you do need to make a claim, your repairs are backed by Nationwide’s On Your Side Claims Service. In the meantime, if you have questions about your coverage, we encourage you to talk to one of our Pittsburgh auto insurance agents.

Nationwide homeowners insurance

Even with a housing stock that spans several different eras of residential construction, the truth is that local homeowners face many of the same concerns no matter what year their home was built. The desire to rebuild or replace a home in the aftermath of a worst case scenario, for example, is all but universal. Not to mention other property structures or belongings that may need to be replaced. One of our Pittsburgh home insurance agents can discuss the coverage options with you, including Nationwide’s Brand New Belongings and Better Roof Replacement programs.

Nationwide life insurance

Worried about what will happen to loved ones if something should happen to you? You can get a Nationwide policy for long term care costs that likely aren’t included in health insurance benefits. Or maybe in addition to caring for loved ones, you’re considering a life insurance policy with a guaranteed cash value as an important component of your retirement planning. Whether you’re trying to choose the right type of policy or a payout amount that makes sense for your household, don’t hesitate to talk to one of our Pittsburgh life insurance agents.

Nationwide business insurance

Unique consumer and professional businesses populate any decent sized city. And of course, Pittsburgh is no exception. Each and every business needs some type of business insurance protection. Maybe it’s strong liability coverage. Maybe it’s vehicle insurance or other commercial property coverage. Maybe it’s medical payments coverage. For all your Pittsburgh business insurance needs, don’t hesitate to contact one of our agents.

Local Insurance Quotes and Personalized Coverage

Use Nationwide’s online tool to get estimates for any number of personalized coverage solutions. It only takes a few moments to enter the information and start generating results.


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Morgantown Car Insurance Agents #morgantown, #west #virginia #insurance #agents, #morgantown, #west #virginia #auto #insurance, #morgantown,

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Car Insurance Agents in Morgantown, WV

Find a Nationwide Insurance Agent in Morgantown, West Virginia

Nationwide auto insurance

Whether you’re fighting rush-hour traffic or running errands just down the street it’s no secret that you need auto insurance coverage. In contrast, what isn’t common knowledge are the state minimums in West Virginia, as well as the reasons many vehicles and households could benefit from higher coverage caps. Talk to one of our Morgantown auto insurance agents about the right policy for your needs, and learn why Nationwide has earned a 95% membership satisfaction rating.

Nationwide home insurance

Morgantown has many different neighborhoods with different flood risks, property value trends, and housing construction quality. Our Morgantown home insurance agents work hard to understand these local neighborhood factors, as well as the personal priorities of the families who live in them. Whether you might be interested in Nationwide’s Brand New Belongings or another coverage option, don’t hesitate to use our online tool or reach out to a Nationwide agent.

Nationwide life insurance

When a state or municipal government meets to chart the best path forward for government finances, they don’t stick to the budget for just the next month; they’re looking at long term planning and potential financial obligations. Households are no different, and you can take care of loved ones over the long haul with a personalized life insurance policy. No matter your short term and long term priorities, let a Nationwide life insurance agent walk you through the choices available to you.

Nationwide business insurance

In a thriving city like Morgantown, there is a diverse mixture of established industries, expanding markets, and small businesses. But no matter the type, every company shares a desire to protect their business from unexpected losses, while also enabling them to pursue future growth. In that respect, every company can benefit from comprehensive business insurance.

Local Insurance Quotes and Personalized Coverage

With our online tool, you can get estimates for any number of different Nationwide insurance policies and coverage choices. Just enter your zip code and respond to a few questions to get quotes for:


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Who Is The Best Candidate For a 10 Year Term Life Policy? #life #insurance #

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10 Year Term Life Insurance

Life insurance is a “must” for most individuals today. Term life insurance is most commonly used to provide loved ones with cash benefits in the event of your death, but it can be difficult to determine how much insurance you need to buy as well as what term length is right for you. A 10 year term life insurance policy is the most affordable term length you can buy. so you may be starting your shopping efforts by reviewing the benefits and features of this type of level term life insurance .

What a 10 Year Term Policy Is

A term life insurance policy is generally available to you in 10, 20 or 30 year terms. The longer the term length, the more expensive your insurance premium will generally be. The length of the term dictates how long you will enjoy death benefits from your coverage. With a 10 year term, you will enjoy coverage for a full 120 month period. If you pass away during this period of time, the person or people who you have named as beneficiaries on this policy may receive death benefits. Most policies do have exceptions in place, but most deaths that occur as a result of accidents and natural health issues will be covered by your policy.

At the End of the Term

At the end of your 10 year term, most policies will simply expire. In most cases, if you wish to continue to enjoy the benefits of life insurance coverage, you will need to purchase a new policy. The new policy will be priced at current rates. Because rates do increase as you age, it is often cost-advantageous to purchase coverage with the longest term length you believe you will need. For example, if you know today you will need coverage for 20 years, it will usually be more affordable to purchase a 20 year term life insurance policy today than to purchase two consecutive 10 year term policies.

How It Is Most Commonly Used

A 10 year term policy is most commonly used to provide death benefits to a loved one. Other types of policies, such as a whole life insurance policy, may be used for death benefits, establishing a legacy and more, but a 10 year term policy often is purchased with a very specific purpose in mind. The amount of life insurance purchased and the term length purchased often are decided based on how much cash a family may require to live on after your death, how much cash will be needed to pay off debts so that a survivor could support the family and more. While it can be difficult to determine what your financial needs for life insurance may be 20 or 30 years from now, most people will be able to more accurately determine these needs within the next 10 year time period. With this in mind, it is most commonly used as a source of financial sustenance and to pay off specific debts that you currently have so that your family is free of financial obligations.

How Much Do You Need?

Determining how much coverage you need with your 10 year term life insurance policy can be difficult. Some people will purchase a policy with the intention of paying off all debts with the proceeds, and this may be done with the expectation that a surviving family member would be able to support a family through his or her own job. Other people will purchase a policy with the intention of the survivor buying an annuity with the proceeds, and the annuity can be used to supplement lost income from the deceased. Still others may purchase a life insurance policy with the expectation that the proceeds will be used to fund a child’s college education or for some other specific purpose. Ultimately, life insurance benefits can be used for many different purposes. If this shorter term policy is being looked at for funeral expenses you may want to explore a burial insurance option instead. These are good if the proposed insured is not in good health. To determine how much you need, consider what the financial effects of your death may be on those you leave behind. Consider what steps will need to be taken to ensure they can maintain their current lifestyle, such as reducing debts, supplementing income and more. Once you have developed a plan, ensure that the beneficiary you have named in your policy is aware of your plan for the use of death benefits.

Factors That Affect Your Rates

Once you have decided how much life insurance you want to buy, you can consider shopping for rate quotes. There are several different factors that will affect your rates. For example, your age and gender are two of the most important factors that will be reviewed. However, you should be aware that most life insurance companies will conduct a health physical and medical history before binding coverage. You will be asked questions such as family history, past and current medical conditions you are treated for. Whether you have diabetes, cancer, high blood pressure, or are just being treated for depression. it is important to report all medical conditions to the insurance provider. Failure to due so can result in an unpaid voided claims. Your answers to the questionaire as well as the results of your health physical will ultimately determine the final rate you pay for coverage. With this in mind, it is best to buy the coverage you need now to lock in rates for your current age. However, if you do not qualify for the best rates because of your health status, you can consider taking steps to lose weight (if you are currently classified as overweight ), to eat healthier, to stop smoking and more. Once you have improved your health status, you can shop for lower rates. However, you do want to purchase coverage now to enjoy the benefits that coverage can provide.

A 10 year term life insurance policy is ideal for many people. Whether you want a 10 year term policy or you believe a longer term policy is more beneficial for your needs, consider shopping for quotes today.

About The Author

Lauren Cohen has dedicated her time to helping families achieve financial freedom and protect their loved ones.


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