Archive for January, 2015

Car Insurance Online

Monday, January 26th, 2015

Compare and switch the car insurance – which points it contemplating the decision for an auto insurance company. Poor service and overpriced amounts close set a change of car insurance. The car insurance comparison the right insurance can be found in just a few minutes. Many Internet presentations offer a car insurance comparison. This comparison is almost always free of charge. Car insurance comparison: The Exchange online apply for in addition these pages provide the service, that according to the comparison of auto insurance, the change directly may be applied for.

This is done via a form which will be sent to the appropriate provider online. Before compared the Internet to attack the car insurance, it is recommended that vehicle license, registration and insurance papers are provided. This avoids unnecessary searches while entering data in the car insurance comparison. Customer contact and rapid turnaround time are important when comparing most people put in addition to the cheapest tariff Motor vehicle liability insurance also value on a regular service of the provider. This includes the availability of the contact person, as well as the uncomplicated and fast processing of an incident. The dense customer contact can be seen also as a feature for a good car insurance. These points can be highlighted particularly when comparing car insurance. After all the necessary information in the mask have been entered, the car insurance can start comparing.

Here, the cheapest provider are displayed first. In addition, factors such as customer-friendliness and service character of the agencies be included in the comparison. Is November 30th, which customer can now peacefully all displayed offers compare the regular termination and opt for the provider of its choice. The best time for the change of car insurance is at the turn of the year. Deadline is November 30. At that time, insurance should be terminated for the vehicle can maintain the notice period of one month. A change of insurance can mean a savings of several hundred dollars per year.

Cheap High Risk Insurer

Sunday, January 25th, 2015

Does your agent you classified as a high-risk driver? Then it will be difficult to find an insurer that offers you an insurance at a reasonable price policy. However, you can also find some affordable options for high-risk drivers, you should only take into account certain issues. High-risk insurance applies to people such as: people with a poor history of handling teenagers (males and females) owners of luxury cars, for example sports car who reside in areas that have high crime rates the high-risk insurance policies car insurance policy limits are available only in the limits of low policies. Some high risk policies provide liability limits required by the authorities. High-risk insurance coverage insurance coverage is suitable for people who have multiple violations or traffic accidents and for young and elderly drivers. High-risk drivers are those who do not qualify for insurance coverage of standard cars. Some high-risk insurance companies only offer coverages required by law, although before the increased demand for coverage of high risk, many insurers offer complete coverage insurance policies. Insurers specialized often can find cheaper fares if you contact an insurer specializing in high-risk drivers.

Often, these insurance companies work in line with you or by phone. Comparison of insurers the best way to find coverage of high risk that is cheap, is to gather quotes from several insurance companies. They are some tips when looking for a high risk of quality auto insurance and cheap: all your traffic fines. A history of transit clear translates into cheaper car insurance. Talk to your insurance agent cars and find out how to reduce the high risk category. Buy a car that has a low risk profile and make sure you have safety features such as airbags and anti-theft devices. It increases the deductible of the maximum amount that you can pay.

If your car worth less than the cost of the deductible and the premium payable you can cancel the comprehensive and collision coverage. Talk to your insurance agent about discounts to which you may be eligible. Possible discounts are seniors, low mileage and driver education. Your agent you will be able to date on available discounts. Your first step should be to search a web site and compare insurance rates. It is a fact that rates vary from a company to another, so he seeks and negotiates high-risk cheaper car insurance. In addition, the insurance comparison web sites also you save time.

Finance Portal: Insurance

Sunday, January 25th, 2015

Living conditions governing contribution not only mourning a sudden death in the family caused, but has often also have financial consequences for the survivors. The finance portal geld.de informs how a case can be provided for above. First, there is the possibility to complete a capital life insurance, which includes a savings option in addition to the pure death protection. A risk life insurance is much cheaper and more effective. The insurance sum specified by the customer to the persons listed in the contract will be awarded in the event of death. For this, the insured person must pay an annual contribution. The amount of these payments is influenced by various factors such as age, gender, and health status.

The policyholder is smoking or he runs a risk of high-risk hobby, as well increased the sum to be paid annually. The various policies that are available for a risk life insurance to choose, differ mainly in the price. In some cases, submit Offers of different insurers of under 200 euros up to about 600 euros a year. Vary depending on the individual circumstances, the insurer with the best deals. According to the Stiftung Warentest for example 27 non-smoking with a sum insured will receive the cheapest offer at CosmosDirekt 150,000. Would the same person complete a contract at the age of 34, would be the best policies for ERGO direct and neckermann. A risk life insurance can ensure the financial security of the bereaved. This is important in particular for children and partners who either are not working or are not entitled to survivor’s pension. More information: presse.

Travel Insurance

Saturday, January 24th, 2015

With the ETI’s annual travel insurance customers enjoy peace of mind before and during all their travel Munich, March 15, 2012? New year, new plan: In the spring many Germans planning their vacations and Getaways. For those who go not only once a year on large or small tour, the ERV offers the annual travel insurance, which is already worth from two trips per year. An extensive beach vacation in Florida, a spontaneous short break in the French capital or a wellness weekend in the Switzerland with the annual travel insurance save customers considerably compared to the statements of an individual insurance for each trip and at the same time reduce their administrative burden. The complete travel insurance, with all necessary insurance, there are 65 euros for all travel within twelve months. In particular a travel cancellation insurance with travel cancellation insurance is important for travelers. It assumes the cancellation costs if the journey for example due to an unexpected illness. an accident or an operational termination must be cancelled or jumps if incurred on travel, for example, due to illness must be aborted prematurely. In this case, the additional costs of unscheduled return and unused travel services will be reimbursed.

Travellers prior to departure are sick and are unsure whether they can equal should cancel or hope of a possible recovery, have them consult the possibility free of charge within the framework of the medical advisory service of independent travel experts. The risk of higher cancellation costs assumes the ERV, if the journey to a later time must be cancelled. On the way, something unforeseen can pass small but fine differences in the repatriation also. Because it is a very soothing feeling that in an emergency ETI telephone staff holidaymakers 24 hours 365 days in the year to the side in up to 25 languages. The health insurance included in the package assumes the cost of outpatient and inpatient Treatments.

Disability Insurance

Thursday, January 22nd, 2015

The disability insurance is useful in determining which insurance policies are right and important for every consumer, called the disability insurance almost always in the first place. And this not for nothing, after all can change a whole life a disability. Who is is no longer able to earn his income, with its workforce a financial fiasco in danger of quickly, because monthly payments such as rent, food and credit rates can be worn no longer or no longer fully. Despite the importance, still not all consumers use a disability insurance. The causes are the comparatively high insurance premiums in part, to the extent it is but also the ignorance, why such insurance protection will be used. The disability insurance for more than 25 percent of all workers is important.

Statistics continually show that every year about 280,000 people have to give up their profession, because physical or mental impairments prevent them, to pursue the profession. Although it is possible that sufferers find another profession or other employment, often the former profession can no longer be exercised, another activity however is usually worse paid in some cases or may not run on a part-time basis. Disability insurance, which is called often only BU, is important for all professionals who have to earn their own living, as well as a living for the family with their labor. The insured person will be berufsunfahig, the private disability insurance takes over the payment of a monthly pension, which is then taken up to the entrance to the old-age pension. With this money the living can be easily further financed then. To ensure that the standard of living not only today, but also in the future can be financed, should the disability insurance include not only consumer-friendly terms, but She should be completed through a sufficient height. Experts recommend doing that the disability pension covers as 75 percent of previous net income. The agreement of a dynamic then ensures that, despite prevailing inflation, adequate insurance protection is given. To find out what disability insurance providers offer the dynamics and who provides exemplary conditions of contract, the insurance comparison can be used for the disability insurance on the Internet page berufsunfahigkeitsversicherungvergleich.com. The comparison here is both free and non-binding, also it can be filled out in a few minutes, so that the comparison of occupational disability insurance takes only a short time.

Brazilian Money

Wednesday, January 21st, 2015

Every Lebanese sent approximately $6 to $10 million. Although Vazquez Roman had not determined the fate of the money, it was the continuation of research and $50,000 with the suspicion of radical Muslims. Both were linked to Assad Ahmad Barakat, whom investigators suspect of being the head of the Southern Cone to raise funds for Hezbollah. In early December 2001, ABC Color reported that Basilisa Vazquez Roman, a Prosecutor in Ciudad del Este, for the two previous months had been the investigation of $ 100 million from transfer of Ciudad del Este to the Lebanon. According to the information provided to the Brazilian press by Vazquez Roman 10 Lebanese citizens who have businesses in Ciudad del Este, but live in Foz do Iguacu, Brazil, the money sent through banks in Miami and New York to Lebanese banks. According to research, the deposits were made in Ciudad del Este and branches of Citibank Chinatrust. Every Lebanese sent approximately $6 to $10 million. Although Vazquez Roman had not determined the fate of the money, it was the continuation of the investigation.

States of Brazil to demand a more active participation in the war against terrorism. Chile Chile has become the center of more rapid growth in South America after Brazil international transhipments on narcotics and money laundering enterprises. This fact may help to explain why money bleaches Islamic feel attracted by the Northern Chilean city of Iquique. As the pressure of the security authorities in the Region of three borders, a series of reports, the militants has increased Islamic have moved to Iquique. On 8 November 2001, the Chilean Government confirmed that it was investigating an alleged financial network Arab with terrorist links who can participate in the money-laundering in the North of the country. More specifically, the Chilean authorities were investigating companies on Assad Ahmad Mohamad Barakat of Iquique (see the profile above).

Solo Disability Insurance

Tuesday, January 20th, 2015

Basically you should complete as soon as possible a disability insurance important differences in the contracts. As consumer advocates agree as well as the majority of the population. There are however countless pitfalls in the selection of the appropriate contract. The disability insurance (“BUZ”), which is coupled to a risk life insurance, is often even cheaper as a nearly identical solo disability insurance without a death protection. Which treaty in individual cases is more likely, cannot be generalized, since the deals vary from insurer to insurer. Both tariff should be explored instead more on the condition criteria, the professionalism of the insurer paid, and the financial strength of the company. A comparison of several companies and rates is also recommended to get a contract with a very good price / performance ratio. May be helpful in the selection of the appropriate Insurer reviews of consumer associations and analysis houses. These assessments should be used only as a guide. The prices but also the adoption of behavior of individual insurers differ according to professional and individual health condition significantly. Even at mild pre-existing conditions such as allergies, hay fever, or a previous fracture, disability insurers react differently. Independent experts in the field of occupational disability insurance can this offer comprehensive assistance: from the comparison of prices and conditions to the possibility, to perform a risk assessment of different insurers. The professional and health data from an independent insurance broker are recorded and several eligible companies advance tested the acceptance of a contract. Only after evaluating the responses of the various insurers the customer has to decide ultimately for a society and a tariff. This approach is particularly recommended, If certain pre-existing conditions already exist for making application. Customers who submit an application to an insurance company on your own, are stored in the venture file of the insurer and complicate the completion with another insurer. More information around the topic of disability insurance are via the Internet portal. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: (c) kraska-fotolia.com

Insurance In The Internet?

Monday, January 19th, 2015

or rather by a consultant, agent or broker? The Internet is hardly to imagine from our everyday life. Customers and prospective customers take advantage of this as an information portal, opinion or to simple calculations themselves to perform. Fascinating insights into the thinking”of (potential) customers and interested parties allows the current study tomorrow focus media GmbH. In May 2011 806 people of different ages have been questioned and the Meiung on the topic of insurance on the Internet “asked. Some interesting findings I would here take up and discuss. You can like to reply in the comments or send a direct mail, too. Have you settled already your insurance?” Answered this question already to have done about 77.2%, 9.7% have not fixed this and another 13.2% believe it is not a topical issue for them.

The reasons why are still not was busy but are amazing. This was the main reason (21.2%) worry made me do this. Followed by lack of money (20.7%) and immediately afterwards issue complicated, confusing, untrusted “.” Especially with complicated products, which undoubtedly include the provision for the age, health insurance, but also the security in the event of occupational disability, it is nearly impossible to get an overview for the uninitiated. The Internet certainly is a viable way to to acquire a basic knowledge. General information but also only partially from an independent source. The insurer their (sales) usually publish brochures, praising himself and try your product as good as possible to represent. This is perfectly legitimate, eventually, the company wants to Yes to sell its products and not criticize.

I have compiled imLeitfaden to the private health insurance, but also the Guide to the disability basics and entry information about private Krankenversicherung (PKV) and disability insurance (BU) for you. These are free to download in the download section. What insurance companies have In the budget completed? This question was referring not to the Internet, but generally on the existing policy.

News Insurance Current News

Saturday, January 17th, 2015

Will find a collection of different insurance news before news relating to insurance can refer to news and information on a wide area. Insurance will be offered in all possible and sometimes even seemingly impossible variations. Also news are accordingly different insurance. It is therefore useful to find a source of information, the mainly with the areas of a personal concern apart put. This independent Internet sites offer in addition to journals, and direct insurance Info material. To filter out not only the best deals insurance helps to keep, in the area of insurance up to date. No, it can also help to optimize the existing insurance. It can be sometimes very useful innovations in the insurance post.

Insurance helps news to see none of them. A current example in the area of health insurance can be stated here. A common procedure to date was Reimbursement of expenses for private health insurance. Deductibles or invoices which have not been taken over by the State health insurance carriers, had to be designed first by the patient. Then the Bill for the private insurers could be submitted and the money was transferred one within a certain period of time. This was an enormous cost for the patients especially when purchasing drug by seriously ill people. The private insurance do the workaround now.

Drug bills can be settled over 1000 euros in Germany in some pharmacies directly with the insurer. This provides enormous relief for affected patients. This type of billing is still in its infancy, but strives to spread them as far as possible and optimize. To accommodate such changes in claim, one must know about it. Only then you ask if necessary and come to his advantage. Information about general principles and technical terms or common grounds in specific areas of insurance may also be useful in as the latest innovations of news insurance.

Disability Insurance Know

Saturday, January 17th, 2015

About the tax issues around the topic of disability insurance premiums for a pure Berufsunfahigkeits(zusatz)Versicherung are generally tax deductible as interest expenses. However, the new regulation in this area has led that hardly any tax advantages are to achieve in practice. The reason: The legislature was obliged to recognise the contributions for health and care insurance tax better. Contributions for an occupational disability insurance are therefore only still be deductible, if the contributions to the health and the statutory long-term care insurance under 1,900 euros (employees) or 2,800 euros (independent). The premiums are higher, the premiums for occupational disability insurance in the tax return no longer interfere. And the border is within easy reach according to calculations of the provision Portal: legally insured persons reach the maximum of 1,900 euros already from an annual salary of around 20.700 euros alone with their Health and care insurance premium.

The limit is a married earner at 41,400 euros. Use tax trick there is however a way contributions to other insurance such as the disability insurance but tax claim to make, as the portal explains. Background: The posts to the base hospital and nursing duty in actual height and unlimited as special editions are deductible in the year in which they were paid for the year 2010. Advance payments are deductible exceeding 2.5 times the current annual fee. Taxpayers could pay in advance in 2011 so the posts for 2012-2013. In the years 2012 and 2013 workers benefit, that he his other contributions? for example, for an invalidity – or risk life insurance tax claim can and the premiums actually affect the: because the advance in 2011 no contributions burden with which Budget, and the workers can get 1,900 euro each or 2,800 euros for its other insurance companies and thus also the disability insurance in two years.

The tax advantage in both: up to 1,200 euros. How is a private occupational disability pension be taxed? In the event of an emergency, the disability pension must be taxed. Tax is assessed performance as abbreviated life annuity is taxed with the so-called special revenue share. Its amount is different as for old-age pensions according to the estimated life of the pension payment. The shorter is the pension payment, the tax rate is lower. Running the pension from the disability insurance over five years, the share of income for the tax is 5%. The pension will run, however, 20 years, the proportion of income is 21%. Oliver MEST