Why You Probably Don’t Need Rental-Car Insurance

Before you hit the road in your rental car, check whether you really need that extra insurance. Photo: Aurelio Firmo Your bags are packed, you’ve found a sitter for the dog, and you’ve suspended your newspaper subscription for a few days. That can only mean one thing: You’re going on a trip. This year, consumers...

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How to Get Cheap Life Insurance in USA

Finding a cheap life insurance policy that offers the right amount of coverage is at the forefront of any first-time buyer’s mind. The same goes for someone who’s simply looking for a better rate. If you want to get the most affordable life insurance, there are several things you can do to minimize costs. I have six tips to help you find cheap life insurance, which I’ll be sharing with you in this article. It’s true there are factors you have less control over when it comes to the cost of life insurance, but there’s a lot within your...

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5 tips for new parents weighing life insurance

Few personal milestones compel someone to buy life insurance coverage like becoming a parent. In the event of an untimely death, life insurance can serve as a financial safety net to ensure there's money available to pay for everything from medical bills to a home mortgage and the future college education costs. Many Americans have taken steps to line up such a financial cushion. At the end of 2012, there were 146.2 million individual life insurance policies in effect, with coverage totaling $11.2 trillion, according to the American Council...

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14 Tips for Purchasing Life Insurance

Insurance is an important part of financial planning — but understanding insurance and buying the right product can be tricky. From whole to term life, riders to convertibility clauses, how do you make sense of all the choices? Most people rely on the expertise of their insurance advisor, broker, or sales representative to help them make the right decision. Yet, for some people, insurance representatives have developed a bad reputation, and many people do not trust the “recommendations” they receive. From my own experience in the insurance...

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Common types of insurance in UK

Insurance can offer invaluable protection against unforseen events. The price you pay is called a premium. Common types of insurance relate to: your home – if you own your home, you should have buildings insurance to cover damage to the building your belongings – contents insurance covers loss or damage to your household possessions driving – you are required to insure against damage or injury caused by your vehicle to other vehicles and people (you can also insure yourself against theft, damage to your vehicle and injuries caused while driving) travel...

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How to waste £10,000 on life cover?

Buying a life insurance policy from a bank or building society could mean wasting tens of thousands of pounds. That is because lenders – without telling the customer – add their own markup of as much as 50pc to the price available elsewhere. Even going direct to the insurer will, bizarrely, sometimes end up costing policyholders far more. The difference between the best and worst prices for the same cover, if you add up the premiums over the term of the policy, can run to many thousands of pounds. So where is the...

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