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Paying low premiums should not be your only consideration when shopping for insurance. After all, a cheap policy may not adequately protect your family over the long haul. Consider the mortgage your spouse will have to pay, as well as the cost of your children's education, childcare expenses, healthcare, funeral expenses and so on. Expenses can add up quickly. In order to get the best rates, it is very important to keep yourself informed—we can definitely help you! |
| Insurance Average Rates |
| Product |
Average |
Low-High |
| Term life Insurance |
$247.20 |
$181.50- $324.00 |
| Auto Insurance |
$1,559.37 |
$993.10 - $2,373.89 |
| Home Owner's Condo Insurance |
$329.18 |
$319.23- $339.13 |
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Choosing The Best Insurance Policy |
Life insurance is a long-term commitment. Before buying any policy, ask yourself these very important questions:
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How much insurance do I need? If I were to die, what would my spouse and dependents need in order to live comfortably?
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In addition to protection, what am I trying to accomplish with life insurance? Am I accumulating funds for education costs? Providing away to pay estate taxes? Do I need some additional supplemental income for my retirement or emergencies? Remember that Term life pays a death benefit only, while Whole, Universal and Variable policies can supplement your income through withdrawals or loans against a policy's cash value.
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How much can I afford to pay for a policy?
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Is the insurance company I'm considering financially secure? Do they have a good claims payment history, good customer service and competitive prices? |
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Insurance 101: Why and How Much? |
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Just as parents-to-be prepare themselves emotionally for the arrival of a new baby, there are financial arrangements that also need to be made. Life insurance is a way to help secure a family’s financial situation if the unthinkable happens. And though it may seem daunting, determining how much of a life insurance benefit is appropriate is relatively easy. |
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Striking a Balance Between Quality of Care and Your Wallet |
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Most of us with health insurance are covered under a group plan offered by our employer or our spouse's employer. Others purchase our own individual policies or have COBRA coverage. Some of us have no coverage at all. Whether you're married, single, have children, or are a student, you need some level of health insurance to protect yourself against financial disaster in the event of a serious illness or accident. |
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Choosing Insurance Coverage |
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Good insurance coverage is an important part of planning your business' success. When you take out insurance, you're insuring against things that can go wrong. The insurance company that accepts your policy is betting that things will go right. The reason that it works is that for most businesses, most of the time, things do go right.. If you have a casualty, though, your choices of insurance coverage and carrier can make the difference between losing the business, just scraping by or being able to do business as usual. |
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What is Life Insurance? |
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Life insurance is a financial resource for your family and loved ones in case of your death. It is a contract between you and an insurance company in which the company provides your beneficiary(ies) with a certain amount of money upon your death. In return, you make periodic payments (premiums) in an amount that depends on medical history, age, gender, and occupation.
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What are Premiums? |
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Premiums are the periodic payments (Usually monthly or quarterly) that the policy holder pays to the insurance company to purchase and keep a policy in force.
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What are the most common types of life insurance and what are their benefits? |
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Term life is the cheapest. It is used to provide a specific amount of coverage for a specific amount of time. Cash accumulation policies provide various ways to invest money in different types of securities, which often produce savings in the long run.
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Do I really need life insurance? |
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The purpose of life insurance is to provide a source of income for your children, dependents, or whoever you choose as a beneficiary, in case of your death. Whether you need to buy life insurance depends on whether anyone is depending on your income. If you have a spouse, child, parent, or some other individual who depends on your income, you probably need life insurance. |
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Packet8 is an affordable and easy-to-use broadband telephone and videophone service. Designed with both residential and business customers in mind, Packet8 allows anyone with broadband (high-speed) Internet access to use their regular phone to make UNLIMITED calls to anywhere in the U.S. and Canada for as little as $19.95 per month. Packet8 subscribers with videophones can make video calls for as little as $19.95 per month. All Packet8 subscribers get world wide UNLIMITED calling to other Packet8 subscribers at no extra charge. Calls to non-Packet8 international numbers (outside the U.S. and Canada) are charged at a very low per minute rate. |
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Vonage’s wealth of features, extensive coverage, and strong support combine to make it a good Internet phone selection. Its monthly rate plans, $14.99 or $24.99 for residential customers and $39.99 or $49.99 for businesses, are a bit higher than those of competitors, such as Packet8, but Vonage's phone features are more numerous, and the company offers useful services, such as transferring your existing phone number to your Vonage account. With its easy setup, nontechies ditching their traditional phone can quickly get up and running, and Vonage's easily activated and inexpensive fax capabilities will appeal to businesses. |
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OPEX Internet Voice provides access to the most exciting and robust communications platform since the telephone was invented. Combine your current high-speed DSL or Cable broadband Internet access with OPEX's unlimited local and long distance service for unprecedented cost savings! There is a slightly higher start-up cost for this VoIP, but there are no agreements or early termination fees. Service is strictly month-to-month. |
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New to this increasingly crowded space is Lingo, which comes close to knocking off the competition. Lingo offers the lowest monthly unlimited-minutes plan of all the VoIP packages we've seen at $19.95, which includes not only the United States and Canada, but also numerous countries in Western Europe. Likewise, its plans come equipped with a lengthy list of features: all plans include 911 emergency calling, and business plans include fax capabilities. Unfortunately, Lingo's call quality was inconsistent, with more interference than we've experienced with other VoIP services. |
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If you've been harboring any doubt about the viability of VoIP services, you can put them to rest. AT&T, once the center of the telephone universe in the United States, rolled out its own VoIP service, CallVantage, last year, and it has since added to and improved the service. The company launched CallVantage with a lone calling plan but now offers three plans that range in price from $19.99 to $49.99 per month. At $29.99 per month, its unlimited-minutes plan is pricier than those of competitors such as Lingo and Packet8. You also have a host of features at your disposal, including virtual numbers, conference calling, call filtering, and call forwarding. In addition to a standard telephone adapter that requires a connection to a broadband router, you can choose to combine those two devices with a VoIP-enabled Linksys wireless router. |
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