Financial Dictionary: Accounting, Business & International Finance
The Auto Club of Southern California, commonly referred to as Triple A, is a regional branch of an organization that was founded by automobile enthusiasts in the United States in 1902 to campaign for better roadways. There are over 65 branches of the club, denoted by region. Each region has members who pay an annual fee to be part of the club. Membership benefits include 24 hour, 365 day a year ro…
There are many advantages of getting insurance online. The chances of being cheated through the so-called fine print are much less than with offline insurance companies. When applying for any kind of quote online you can be guaranteed of a good deal and good rate. This is because of the great number of online insurance companies to choose from. Because, there are a lot of many online companies all…
The kind of life insurance a person or a family needs depends upon a number of factors. The age of the insured, the primary reason for the insurance, the time period it is needed, and the health of the insured all enter into the decision of which kind of insurance to buy. A young couple with their first baby will have entirely different insurance needs than a bachelor who is a forty year old smoke…
Albuquerque residents rely on automobiles for transportation. Cars help people cope with the accelerated pace of modern life. For many, expensive vehicles facilitate the daily commute to work. However, automobile accidents can happen at any time. These unforeseen events drive hard-working families into financial ruin. Luckily, Albuquerque auto insurance agents provide affordable coverage for local…
In high school, five of us served a tour at the small town radio station. Most hours were spent half-asleep in front of a console, cueing commercials to play during late night ball games. As typical with small town radio stations, the commercials never changed, and certain songs, like the American Family Insurance jingle, became a part of our shared experience. Chass?-ing up the scale, we sang A-M…
Life insurance is a priority for many people who have families. They want to make sure their children are taken care of if they die. While that?s the primary reason for buying health insurance, there are other reasons as well. One is to pay for funeral costs and death-related expenses if you should pass. Other reasons are for tax-deferred savings, inheritance for heirs, and contributions to charit…
Founded in December of 1900, the Auto Club of Southern California had a commitment to road improvements, driving conditions and traffic laws. It played a key part in the development of the Ridge Route, which connected northern and southern California over the Tehachapi and San Gabriel mountains. Many of the early roadway signs were put in place by the auto club. In the 1920s its main headquarters …
Prior to the widespread use of the Internet, most people received their car insurance quotes either by telephone or by visiting a local agent. In both cases, getting a quote was a rather slow and tedious affair, especially if you wanted to comparison shop between several companies. Today, the availability of auto insurance online quotes makes it easier for customers to find the best insurance for …
Reducing the amount you pay for home and auto insurance is a great way to save money. If you want to decrease the amount you pay for your family?s automobile insurance or homeowners insurance, your first step is to get quotes from several insurance companies. Here are some tips to help you get accurate auto and home insurance quotes as quickly as possible. The sooner you get insurance quotes, the …
The insurance world is all about risk, as companies have to measure risk and drivers have to pay prices according to that measured risk. One of the biggest challenges can be finding auto insurance for high risk drivers. High risk drivers are defined as people who have accumulated a number of traffic tickets, accidents, or a single DUI charge. With those items on your record, you will find that ins…
Investing in long term life insurance covers your family against economic problems in case of any unfortunate event. A long term life insurance also makes sense if you want to invest your money in a useful program. A lot of insurance companies offer several life insurance policies, each with its own unique benefits and there is no clear answer as to which policy is the best for you since it depend…
In most states, car insurance is required by law. Even if your state doesn?t require it, insurance is the only way to protect yourself financially in the event of an accident. Major discrepancies in pricing exist between insurance agencies; in order to get the best insurance rates, you need to shop around. On top of that, there are several ways to get the best rate possible. A list of the top ten …
Life insurance is an incredibly important item that becomes more important with age. Finding the right insurance quote is more difficult than it might seem, though. There is a lot of information out there and different companies provide varying degrees of coverage. If you are going to find the best life insurance quote, you will have to explore all of the different policy options from all of the d…
When you shop for life insurance and you are a price-conscious shopper, chances are good you will look for the best term life insurance quote that you can get. If that?s the case for you, then there are three tips you need to know in order to ensure that you get the best term life insurance quote. 1. Shop around. It is never a good idea to just take the first policy quote that you receive. Instead…
Blue Cross Blue Shield is a major insurance company in the United States, and there are many Blue Cross Blue Shields scattered throughout the country. Most states have their own Blue Cross Blue Shield, which basically just means that the insurance company has branches in most states. Blue Cross Blue Shield offers seven different national programs to help Americans stay healthy. Each of these dif…
Blue Cross Blue Shield Florida, an independent licensee of the Blue Cross and Blue Shield Association, provides insurance services to consumers residing in the state of Florida. The collective organization services approximately 33% of Americans, or 88.7 million people. Since its inception in 1944, Blue Cross of Florida has expanded beyond its original corporation to serve the changing needs of Fl…
Comparing health insurance companies is one of the most difficult tasks of modern life. There are so many companies, each company has dozens of plans, and you basically have to learn a whole new language to understand them. Blue Cross Blue Shield (BCBS) of Louisiana tries to make the job of choosing new insurance easy for you. Their mission is simple and straightforward: to improve the lives of th…
Finding affordable health insurance in the United States is no easy task. This is especially the case for those who are self-employed, need additional family coverage, or want to add dental and/or life insurance. Many people who have these needs turn to Blue Cross Blue Shield. This is no different in the state of California. Blue Cross Blue Shield of California offers affordable non-profit health …
Looking for car insurance can be a bit of a pain, especially when there are so many variables that can effect whether or not you can get the cheapest car insurance quote possible for your vehicle. There are a few factors that can help put the ball in your court. For starters, car you currently drive can have a pretty big effect on getting the cheapest car insurance quote. Certain model cars are se…
Just about everyone who drives a car has to purchase insurance, and just about every one of them thinks that they pay too much. Although there is a great deal that one can do to pay less for any insurance, switching to a low cost car insurance carrier can also yield a great deal of savings. Before looking into a new insurance carrier, there are some basic steps that any owner can take to reduce th…
When trying to learn the ins and outs of California?s Car Insurance laws and regulations, there are numerous resources that will describe the requirements all drivers must satisfy. Since all drivers must carry a form of proof of insurance within their vehicles, all the time, understanding developments about CA car insurance can help you decide how to purchase your insurance and what kinds of insur…
Finding car insurance for young drivers can turn out to be a tough experience, since most car insurance companies often charge higher premiums for young and inexperienced drivers. But there are still plenty of ways to find the cheapest coverage without sacrificing coverage or extras. The majority of young drivers with insurance are often covered with their parents? car insurance coverage. These yo…
Under Obama?s health care bill, employers will be required by law to provide health insurance to even part-time employees. Fortunately, contained within the bill?s 2409 pages are several provisions designed to make sure that small businesses will be able to afford these extra measures. In 2014, the health care bill will take full effect. At this point, insuring your body becomes like insuring your…
If you are searching for a cheap car insurance rate there are practical steps you can take to ensure the most affordable premiums. Understand that to get the least expensive coverage for your car, cheap insurance rate quotes come with a clean driving record. Having at-fault accidents and moving violations on your record is hazardous to your wallet, just as your driving might be hazardous to your h…
When it comes to buying car insurance, the one noticeable aspect of it is that women end up paying less than their male counterparts. This generally makes car insurance for women cheaper in most cases. In fact, women pay on average about 6.8% less than most men on their auto insurance policies. The most important reason that cheap car insurance for women is more attainable than it is for most men …
The insurance game is one that has always been powered by numbers, and for much of the last decade, it?s been an even playing field. The internet has changed all of that, though, and people are now looking for cheap insurance companies. If you want to have success in finding a cheap insurance company, then it?s important to use all of the resources at your disposal. Depending upon what type of ins…
A cheap life insurance quote is the number one goal of value conscious shoppers everywhere?but a cheap quote alone does not indicate real value and it does not mean that you have actually gotten the most out of your potential life insurance policy. Here are just a couple more ways to make sure you get the most for your money, your time and your trust. One of the best ways to increase the value of …
Nearly every driver needs an insurance policy to protect against serious risks. Some people drive expensive cars. However, few consumers are wealthy enough to purchase a new vehicle after an accident. Also, people often take out loans to finance new automobile purchases. Without an insurance policy, a car accident could create a financial disaster. While some vehicles are too inexpensive to justif…
Car insurance is required in most states in order to drive legally, but even in the best of times it can represent a large segment of the monthly budget. Since it often is a large expense, many people seek ways to reduce the cost of car insurance to help control the overall household budget. How to Compare a Car Insurance Quote One way to shave a few dollars?or even a significant amount?off the co…
Car insurance is one of the most complicated types of coverage available, making it relatively hard to compare one quote to another. The best way to do this is to understand what type of insurance one has and then to compare quotes to that insurance. The easiest thing to compare is the amount of coverage. When comparing auto insurance rates, one should look at the specifications for what is being …
Everyone realizes the importance of having their home insured, but some homeowners and renters are not aware that the content of the home may not be covered under regular home insurance policies. Different countries have different insurance programs, of course. In the UK, the home owner should ask about Contents Home Insurance. Contents Home Insurance is an additional insurance policy that covers …
If you have a mortgage, then you undoubtedly have homeowner?s insurance. However, most homeowner?s insurance policies do not cover the items that are inside the house; if something were to happen, you?d have to pay out of pocket to replace the lost or damaged items. This is exactly why contents house insurance is available ? and why it?s so popular. Unless you have absolutely nothing of value in y…
Although Erie Insurance originated in 1925 as a car insurance company, Erie Insurance Group is now a premier provider of homeowners insurance. Erie home insurance is sold through independent agents in at least eleven states in the U.S. , including Illinois, Indiana, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. Erie agents are found in Wa…
If you have children and you do not have a family health insurance medical plan, you should purchase a policy. A family medical insurance plan offers preventive medical care. It can help you prevent many illnesses and treat health conditions before they become serious. A family health insurance medical plan will also provide your family with security in the event of an injury or unexpected illness…
Every so often, homeowners need to start questioning their current insurance policy, both for price considerations and coverage considerations. It is smart to conduct some analysis, since home insurance is a large cost and it?s very important, as well. With so many different insurance companies out there that are willing to fight for your business, it makes sense to get quotes from as many as poss…
Term insurance is a life insurance policy that provides coverage for a period of time. When the term expires, the policyholder can cancel the coverage or renew the policy. Term life insurance policies are cheaper than whole life policies or permanent life insurance. If the policyholder passes away before the term expires, their beneficiary will receive a lump sum payment. Life insurance policies w…
Since its founding in 1810, the Hartford Financial Services Group has provided a wide range of financial and insurance products for its customers in the United States and throughout the world. The Hartford offers life, health, home, automobile, business, and renters insurance as well as a wide range of investment options including mutual funds, college savings plans, and annuities. A Fortune 500 c…
Hastings is a major tourist destination in the world-famous British East Sussex area, which places it on the shores of southeast England. Bordered by Kent, Brighton and Hove as well as Surrey, it is a lovely seaside town on the English Channel that receives steady traffic from local holidaymakers, national and also international tourists. Yet before getting into a car in Hastings, car insurance ru…
Health care companies are not sitting idle as changes to health care reform are slowly implemented across the United States. As part of a national overhaul of Blue Cross/Blue Shield, Blue Cross/Blue Shield of Georgia is engaged in a major overhaul of their health care policy. Political opinions on this subject vary. Some consumers remain frustrated with health care providers, while others continue…
Buying home insurance, or just checking up on rates, can be a hassle when done offline due to the need to call or visit multiple agencies to collect all the information. Fortunately, there is a much faster way: by getting a home insurance online quote, you can get the facts you need quickly ? and in some cases, by visiting a single web site. Most insurance companies have online home insurance quot…
Home insurance rates in Texas have plummeted in the last year, but they appear to be back on the rise. With that in mind, people looking for home insurance in Texas should know a few things about finding the lowest possible rate. In March, the average annual premium for home insurance in Texas was $873. The people finding the most affordable policies are those that offer the insurance company a bi…
Mass. Health insurance, technically known as MassHealth, is government-subsidized health insurance for children, families, seniors and the disabled in the state of Massachusetts. With health care reform sweeping the nation, there are plenty of reasons people might turn to a government-run insurance plan like MassHealth. A 2006 Massachusetts state law requires every resident of the state to purchas…
The typical consumer purchases insurance plans to mitigate various risks. For example, people buy car insurance policies to protect their automotive investments. Health insurance plans provide funds for necessary medical procedures when unimaginable emergencies arise. However, there is one unpleasant risk that many hesitate to consider. All lives must eventually come to an end. When an individual …
There are a myriad of websites where you can get quotes for life insurance online for term and whole life insurance. Since competition for insurance policies has heated up over the past few years, online quotes have become very easy to find. Finding life insurance online quotes or an online term life insurance quote looks very easy on many websites. All you have to do is fill out a short form with…
As one of the leaders in the health care industry, Kaiser Permanente offers an extensive network of physicians and hospitals to its members, along with some of the most comprehensive benefits available. Kaiser Permanente offers coverage for current and former federal employees throughout the country; additionally, the company provides health insurance for individuals and families in California, Wa…
Louisiana may be known ? unofficially ? as the Bayou State, but there is nothing relaxed and laid-back when it comes to drivers who fail to prove adequate LA auto insurance coverage during a traffic stop. Like other jurisdictions in the United States, car insurance within LA must meet a number of minimum requirements. The basic amount of bodily injury liability coverage is $15,000 per person or $3…
Life insurance policies fall into one of two categories: term life or permanent life. Term life is straight insurance coverage. You are covered for specified period of time. If you die during that time, your beneficiaries receive the face value amount of your policy. If you outlive the term, there is no benefit paid. Permanent life, which has a number of variations, covers you for the remainder of…
Life insurance may be the only product that exists where those who purchase it hope that they are throwing their money away on something that they will never use. For those unlucky few who are able to use their life insurance, it is important that it will pay off. The insurance rating system enables people to identify which insurers are more likely to be around to pay claims than others. To unders…
The need for Florida home owner insurance is essential, but finding a way to compare rates and getting the best price and quality can be difficult. There are many companies selling home insurance in Florida. The grueling task is deciphering through them all to find the rate that fits your home and lifestyle. After the hurricanes of 2004 ? 2005, insurance companies paid out billions of dollars in d…
While auto insurance may be required to some degree in almost every U.S. state, there is no national auto insurance program. Instead, each state has its own insurance companies and individual requirements. These requirements should not be confused with the individual requirements your lender may have if you still have an outstanding loan on your vehicle. Common national auto insurance requirements…
Life insurance is an essential product for anyone with a family to support. Accidents are rare, but they happen, and the ability to pay for and insure the financial wellbeing of those who are left behind is important. Additionally, the special tax benefits and other incentives offered by life insurance plans mean that they are an excellent way for persons of wealth to leave money for their childre…
If you?re purchasing car insurance online, then the first question on your mind will definitely be ?how much is this going to cost me?? But to find out how much you?ll end up paying for car insurance, you?ll first have to find out about the various factors that can influence your monthly rates. Because car insurance companies give the most favorable rates to those who are deemed a ?low risk?, it p…
The great thing about finding auto insurance on line is that the power of comparison shopping is right at your fingertips. A number of auto insurance companies provide instant quotes on line in only a matter of minutes. On line auto insurance companies that offer instant quotes include Geico, Progressive and State Farm, just to name a few. Some of these companies may even have a local agent e-mail…
Ontario borders on Manitoba, Quebec and the United States. Its capital of Toronto is Canada?s most densely inhabited city that is also a bustling business center, which makes the province a highly desirable hub for business professionals moving into the area. First-time homebuyers and also apartment dwellers will do well to learn the ins and outs of buying Ontario home insurance in an effort to pr…
Less than 1% of successful businesses have been around for 100 years. Now try to imagine a business that has been around since 1710. This is nearly impossible to fathom, but when it comes to the roots of Royal Sun Alliance Insurance, it?s a fact. 1710 is when ?The Sun? emerged. There have been many changes since that time. One was very recent. Prior to 2006, Royal Insurance and Sun Alliance were t…
Although term life insurance policies with similar terms are essentially the same regardless of which company issues them, the cost of a policy can vary wildly. Because of this, careful shopping, combined with an accurate assessment of one?s needs, can lead to significant savings on this type of coverage. The first way to control the cost of a term life insurance policy is to ensure that one is no…
Term life insurance with no medical exam is a deal and one that many younger people take advantage of due to its low cost compared to whole life insurance. Younger people in general are less of a risk to insurance companies because of their good health. The major attraction about term life insurance is the low cost and stable premium levels it contains. No matter what your age is during the term o…
Auto insurance is mandatory in all states. This does not mean that you have to pay outrageous rates to have your car insured. When choosing an auto insurance group, you need to get rates from multiple companies in order to make an informed decision. Taking the proper steps prior to purchasing an insurance policy can ensure you get the coverage you need at the best price available. There are severa…
In most jurisdictions auto insurance is compulsory for at very least, injured third parties. This being the case, the auto insurance industry has an inherent demand that the industry will collectively seek to exploit to the fullest extent possible. Curiously, this has had a positive impact on consumers of auto insurance as the intense competition between insurers has forced innovators to enter the…
Blue Cross Blue Shield Minnesota is not only the state?s largest non-profit health care plan, but it is also the oldest. Founded in 1933, this organization has been working side by side with both Prevention Minnesota and the Blue Cross Foundation to come up with useful and sensible health care solutions for years. It is currently considered to be the most trusted and widely used health care plan o…
Although for most people, the answer to this question is going to be term, the reality is that whole life insurance can also be a good choice. For younger individuals, the question is really whether one is looking for pure insurance or for a combination of insurance and a retirement savings plan. For older individuals, the choice may be preordained. Term life insurance is a contract where an indiv…