Insurance Maze Blog

There are probably as many discount dental plans available as there are dental insurance plans. Due to the high cost and limited benefits available in dental insurance, many employers and families are taking a serious look at the discount dental plans.

AmeriPlan USA® is one established company offering a discount dental plan with many advantages:

No Waiting Period No Limit On Visits or Dental Services Orthodontics (braces) Included Cosmetic Dentistry Included Specialists Included Ongoing Dental Problems Accepted Instant Savings No Age Limit No Paperwork No Long Term Contracts

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The Travel Industry of America says that out of the 71 million people in the United States who own dogs, some 29 million travel with their pet. Many auto insurance companies are beginning to recognize this fact and are taking steps to provide some insurance coverage for these traveling pets.

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Insurance agents or agencies, like any other business, must maintain adequate business insurance coverage to protect business property and other business assets.

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Just as the name implies, “Umbrella Liability Insurance” covers or provides extra liability insurance coverage to supplement your existing general liability and commercial auto policies.

Umbrella Liability Provides Two Kinds of Coverage:

• Pays amounts that exceed the “per occurrence” or “aggregate limit” provided by your general liability or commercial auto policies.
• Pays liability losses which may not even be covered under the base insurance policy.

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Insurance can sometimes be a complicated issue, with all the insurance “jargon” and the many different aspects of insurance coverage which can apply in a particular situation. It is important to seek out an insurance professional, who not only has access to the market, but one who will act as an insurance advisor.
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In today’s environment, with the high cost of healthcare and health insurance, many potential and current employees will look at the benefits package very carefully, sometimes considering the insurance benefits available for themselves and their families more than the acutal salary.

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There are situations in which we find ourselves needing more life insurance coverage, but due to health problems, we just can’t buy life insurance, at least at the standard insurance premium. There is an option available and it is known as “Graded Benefit Life Insrance”. (more…)

You need Business Auto Insurance if you own a vehicle which is used in your business. Your professional business insurance agent is the best person to advise you on the best coverage for your business vehicle and the types of insurance coverage in your area. Let’s take a look at types of coverage in general terms. (more…)

Many people who start a business out of their home live with the misconception that their home business is insured under their homeowner’s insurance policy. A traditional homeowner’s policy was designed to offer insurance protection for a private residence and not a commercial business. (more…)

A lot of people are again realizing that a permanent form of life insurance may be a better buy than the financial gurus want us to believe. Whether it be the traditional whole life insurance, universal life, or variable life, we need to understand the difference.

The Type Of Permanent Life Insurance Will Fall Into One Of Four Categories:

• Traditional Whole Life Insurance
• Universal Life Insurance
• Variable Life Insurance
• Variable Universal Life Insurance

It is important to understand that different life insurance companies may offer different variations of each policy category.

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