High Risk Life Insurance

Given Mark's health - liver cancer and transplant, lung cancer - his only option is high risk life insurance. This is not generally an inexpensive policy, to say the least. What I didn't know is that there are companies out there that have a different outlook.

It's the underwriting process, which determines the financial risk to the insurer, that sets the policy premiums. By using outdated, 30-year-old mortality tables, insurance companies blindly decide that people with serious health problems are a much higher risk than they actually are. Because they take into account medical advances and treatments, which allow cancer patients or diabetics to live longer than they did 30 years ago, some insurers actually have premium rates that are similar to those for people in 'perfect' health.

All I can say is - It's about time!




Don't forget to visit JMark Afghans and My Gallery at Zazzle

We also have a page on Squidoo that supports the Genocide Intervention Network.

You can cast your Vote For JMark Afghans, etc.
at Independent Designers

We look forward to seeing you online.

God Bless!

Jules

Online Car Insurance

There are a lot of insurance companies that offer online car insurance quotes. Some even provide quotes from other companies on their website. The TV ads assure consumers that they can save a bundle by switching to this company or that. Yeah, right.

If I'm going to shop and buy online, I want to use a site that has no vested interest in my choice of company. How do I know that 'XYZ Insurance' is giving me a valid quote from 'BCD Auto Coverage' and 'RU Insured, Inc.'? Yes, I could go through the application process for each site, or call each company - but isn't that what I'm trying to avoid?

Luckily, there are more and more sites available that don't sell insurance themselves. They simply provide a location where one can compare coverage and rates and, if desired, purchase insurance. Much better.




Don't forget to visit JMark Afghans and My Gallery at Zazzle

We also have a page on Squidoo that supports the Genocide Intervention Network.

Be sure to Vote For JMark Afghans, etc.
at Independent Designers

We look forward to seeing you online.

God Bless!

Jules