Tag: insurance

Washington Car Insurance – Quotes, Coverage – Requirements #washington #car #insurance, #washington, #car #insurance,


  • Get free quotes from the nation’s biggest auto insurance providers.
  • Over 94% of Americans qualify for lower rates.

Our goal is to give you the most up-to-date, accurate information about your state DMV’s processes. The date you see here reflects the most recent time we’ve verified this information with your state DMV. When they change something, we do, too!

Car Insurance in Washington

Washington Car Insurance

Washington state car insurance laws are written to make sure you are able to pay for injuries or damages after a car accident.

Read more to learn about WA car insurance laws, programs, rates, and discounts.

Car Insurance Requirements

To fulfill Washington’s mandatory auto insurance law, you must carry liability insurance to help pay for property damage or injuries resulting from a car accident that you cause.

Your liability car insurance must have the following minimums:

  • $25,000 for injuries or death per person.
  • $50,000 total for injuries or death per accident.
  • $10,000 for property damage.

Optional Car insurance

While Washington auto insurance laws only require you to have liability auto insurance coverage, there are several optional coverage types that can help further protect you financially.

Most WA car insurance companies offer the following types of optional coverage.

  • Collision – Helps cover accident-related damages to your car.
  • Comprehensive – Helps cover non-collision related damages to your car, such as those resulting from theft or vandalism.
  • Uninsured/underinsured motorist – Helps pay for your own injuries or property damage if you are involved in a car accident caused by an uninsured driver or a driver whose insurance is insufficient to cover your costs.

NOTE. As part of your loan or lease agreement, you may be required to purchase collision and comprehensive coverages for your financed or leased car.

Personal Injury Protection

Personal injury protection (PIP). or no-fault car insurance. will help pay for certain costs after a car accident, regardless of who caused the accident.

PIP will help pay for your:

  • Medical costs.
  • Loss of income.
  • Funeral expenses.

While you are not required to carry PIP in Washington, car insurance companies are required to offer PIP to you.

If you decide to reject the PIP option, you must do so in writing.

Washington Proof of Insurance

Washington officials mainly monitor car insurance status via traffic stops.

If you are pulled over by a police officer, you are required to show yourproof of insurance upon request.

Your insurance card. issued to you by your insurance carrier, acts as your proof of insurance.

Car insurance cards must include:

  • The name of your car insurance company.
  • Your policy number.
  • Effective date of your policy.
  • Expiration date of your policy.
  • Year, make, model of your car.

You will be issued an insurance card every time you buy a new policy or renew your policy. Make sure to carry your most current card with you.

Insurance Violations and Penalties

If you are caught without your proof of insurance, you are subject to a fine.

If you had a valid insurance policy at the time of a traffic stop but were unable to show your insurance card, you may present the court with proof that you were insured at the time of the violation before your court date to have your charges removed. You may still have to pay a court-processing fee of $25.

If you are caught driving without car insurance, you face a minimum fine of $450.

WA Car Insurance for High-Risk Drivers

Drivers who are considered high-risk because of past traffic violations or accidents may have a difficult time finding car insurance companies willing to cover them, and may have to take extra steps to comply with Washington auto insurance laws.

Washington Automobile Insurance Plan

While all drivers must be insured, Washington car insurance companies do have the right to deny coverage to drivers they feel are high-risk.

If you are unable to find a car insurance carrier, you may apply for coverage through the Washington Automobile Insurance Plan.

Through the plan, WA car insurance companies share the risk of covering high-risk drivers.

Washington is one of many states that comprise the Western Association of Automobile Insurance Plans (WAAIP), which acts as a processing center for the various state plans within the association.

Insurance rates through the plan are generally much higher than standard policy rates. It’s smart to continue to shop for car insurance through the standard market.

To learn more about how to apply for car insurance through WAAIP, visit the WAAIP website.

SR-22 in Washington

Certain violations may require you to file proof of financial responsibility known as an SR-22 certificate, sometimes referred to as SR22 insurance.

You may be required to file an SR-22 if you:

  • Have had your driver’s license suspended.
  • Have been convicted of certain offenses.
  • Failed to pay judgment fines.
  • Driven or owned a car involved in an accident.

In most cases, you must maintain your SR22 filing for 3 years.

Many insurance providers can file SR-22s for their clients; however, some carriers don’t offer this service. You may be required to shop for a car insurance provider that does file SR-22s.

Car Insurance Regulation

Since car insurance can be complex, Washington has various programs meant to help consumers with various car insurance issues.

The Office of the Insurance Commissioner

If you have a question or concern about your insurance policy or provider, you can get help from the Washington State Office of the Insurance Commissioner (OIC).

  • Help you understand your policy.
  • Determine if your insurance company violated the terms of your policy.
  • Help your insurance company and you communicate with each other.
  • Recommend places or programs that can better help you.
  • Review a complaint and help facilitate a resolution.
  • Give you legal advice.
  • Make medical judgments.
  • Determine who was at-fault in a car accident.
  • Determine the value of a claim.
  • Establish the facts in a case.
  • Force an insurance company to make a payment on a claim or refund you money if they have not broken the law.

For more information, you can contact the OIC by calling (800) 562-6900.

Car Insurance Fraud

Handling car insurance fraud costs car insurance companies large sums of money every year. Those costs get passed down to you in the form of higher premiums.

Common forms of car insurance fraud include:

  • Staging car accidents.
  • Falsifying or exaggerating injuries.
  • Falsifying or exaggerating the extent of property damage.

If you suspect insurance fraud, you can report it to the OIC by filling out their online form.

Determining Your Insurance Rates

Several factors go into determining the price of your car insurance premium.

When shopping for car insurance, most car insurance companies will factor in the following to determine your rates:

  • Driving record.
  • Credit history.
  • Age.
  • Gender.
  • Marital status.
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • History of insurance claims.
  • Deductibles:
    • This is the amount you are responsible for paying towards a claim.
    • The higher your deductible, the lower your premium.

WA Car Insurance Discounts

A great way to save on car insurance is to take advantage of discounts. When comparing car insurance quotes, ask about any discounts for which you may be eligible.

Most Washington car insurance companies offer the following discounts:

Taking advantage of discounts is a great way to get affordable car insurance rates. However, the best way to maintain low-cost Washington car insurance is to keep a clean driving record that reflects safe and violation free driving.

Most Stolen Cars in Washington

If your car is a common target for theft, you may have to pay higher car insurance rates.

The following is a list of Washington’s most stolen cars in 2013, according to www.nicb.org :

  1. Honda Accord.
  2. Honda Civic.
  3. Subaru Legacy.
  4. Ford Pickup (Full Size).
  5. Acura Integra.
  6. Toyota Camry.
  7. Chevrolet Pickup (Full Size).
  8. Jeep Cherokee/Grand Cherokee.
  9. Nissan Sentra.
  10. Chevrolet Pickup (Small Size).

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Home & Auto Insurance – Salt Lake City UT #insurance, #auto #insurance, #home #insurance,


Welcome to our site!

Since 1982, Tebbs Brothers Insurance Group, Inc. has delivered quality insurance solutions to individuals in Utah and the surrounding states, specializing in Auto, Homeowners and Business insurance coverage. Our team of trusted insurance professionals is committed to helping you find a policy that fits your needs. We focus on providing personalized attention and exceptional customer service to create an experience that’s difficult to find in today’s market. At Tebbs Brothers Insurance Group, Inc. we’ll work with you to ensure that you and those you care about most are protected.

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

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TexasSure – Insurance Verification #haskell #insurance


TexasSure – Insurance Verification

TexasSure is designed to reduce the number of uninsured drivers and cut costs for responsible Texans, who now pay almost $900 million a year to protect themselves against those with no coverage. Currently, an estimated 20 percent of Texas drivers are uninsured.

The automated database is a joint project of Texas’ departments of motor vehicles, insurance, public safety and information resources, and quickly identifies vehicle owners without mandatory insurance coverage.

More information about insurance verification is available on the TexasSure website .

Received a Notice?

If you received a notice, your vehicle identification number (VIN) may be incorrect on either your title or insurance policy.

Compare the VIN on your insurance policy to the one physically located on your vehicle (usually on the driver’s side dashboard).

  • If the VINs do not match. contact your insurance agent to correct the problem.
  • If the VINs match. then the information may be wrong in our database.
    Check for discrepancies on your Certificate of Title, if you have it, then complete the Form VTR-270 and submit it along with your title to TxDMV for correction.
    Otherwise, you may need to contact your lienholder to correct the problem.
  • If you no longer own the vehicle listed on the TexasSure notice, please submit a vehicle transfer notification online.

    Submit a
    Vehicle Transfer Notification.

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    How to Choose the Right Type of Life Insurance #ordinary #life #insurance


    How to Choose the Right Type of Life Insurance

    Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options.

    You should consider term life insurance if:

    • You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period.
    • You need a large amount of life insurance, but have a limited budget. In general, this type of insurance pays only if you die during the term of the policy, so the rate per thousand of death benefit is lower than for permanent forms of life insurance. If you are still alive at the end of the term, coverage stops unless the policy is renewed or a new one bought. Unlike permanent insurance, you will not typically build equity in the form of cash savings.

    If you think your financial needs may change, you may also want to look into “convertible” term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums.

    Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some term insurance policies can be renewed when the policy ends, but the premium will generally increase. Some policies require a medical examination at renewal to qualify for the lowest rates.

    You should consider permanent life insurance if:

    • You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be over 100.
    • You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due the company before determining what’s goes to your beneficiary.

    Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.

    There are a number of different types of permanent insurance policies, such as whole (ordinary) life, universal life, variable life, and variable/universal life. For more details, see our articles on the specific types of policies.

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    Car Insurance #cheapest #quote #for #car #insurance


    Car insurance

    More on our optional extras

    What is motor legal expenses cover? For £24.90 per year, motor legal expenses cover protects you from the potential costs of legal action if you’re involved in a car accident.

    You might need legal help to take action against a road user – or defend yourself against accusations made by another driver. This can be expensive so it’s reassuring to have £100,000 cover.

    You can also use motor legal expenses cover to help you recover any uninsured losses, like personal injury compensation, loss of earnings or hire car costs while yours is being fixed.

    More on motor legal expensesGuaranteed courtesy car This optional extra guarantees use of a courtesy car if your own car needs repair, or has been stolen or written off.

    This cover costs £19.90 per year and is only available if you choose our comprehensive or third party, fire and theft cover.

    More on Guaranteed courtesy carNeed to drive in Europe? If you are driving in the EU (or countries that conform to the EU Motor Directive) you automatically have the minimum compulsory insurance you need. But this basic level of cover means you may not be insured if your car is damaged in an accident that’s not your fault or if your car’s stolen.

    For the same level of cover you have in the UK (comprehensive or third party, fire and theft), you can add European cover to your LV= car insurance for £19.90.

    More on European car insurance coverDo you want to increase your personal accident cover? You have £10,000 of personal accident cover with our comprehensive car insurance. This will protect you or your partner if you suffer a serious injury while travelling in, or getting into or out of your car.

    Increase your personal accident cover to £100,000 for just £19.90 a year.

    More on £100,000 personal accident coverHave you got Breakdown Cover? Add breakdown cover to your car insurance from just £26 per year.

    LV= Britannia Rescue gives you access to over 3,000 breakdown professionals across the UK, to keep you moving. There are five levels of cover to choose from, from basic roadside assistance to UK and European recovery.

    More on breakdown coverDid you know you can protect your no claim discount (NCD)? You earn a year of no claim discount (or no claim bonus) for every year you don’t claim on your car insurance. The more years of NCD you’ve built up, the bigger the discount on your car insurance when you renew.

    If you have to make a claim on your policy, and we can’t recover what we pay you from the faulty party, your NCD may be reduced.

    But if you’ve earned four or more years NCD, add this optional extra to protect your NCD for the life of your LV= policy.

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    Servicemembers Group Life Insurance (SGLI) – Life Insurance #va, #veterans #affairs, #ebenefits, #vba, #veterans


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    Life Insurance

    Servicemembers Group Life Insurance (SGLI)

    SGLI is a program that provides low-cost term life insurance coverage to eligible Servicemembers. If eligible, you are automatically issued the maximum SGLI coverage. If you qualify for SGLI, you are automatically enrolled and do not need to apply for coverage.

    Servicemembers can make changes to your SGLI coverage. For example, Servicemembers can decline SGLI coverage, select a lesser amount than maximum coverage. designate beneficiaries, and/or make other changes.


    You are automatically insured under full-time SGLI if you are one of the following:

    • Active duty member of the Army, Navy, Air Force, Marines, or Coast Guard
    • Commissioned member of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS)
    • Cadet or midshipman of the U.S. military academies
    • Member, cadet, or midshipman of the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises
    • Member of the Ready Reserve or National Guard and are scheduled to perform at least 12 periods of inactive training per year
    • Servicemember who volunteers for a mobilization category in the Individual Ready Reserve (IRR)


    SGLI coverage is available in $50,000 increments up to the maximum of $400,000. Covered members receive 120 days of free coverage from their date of separation. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation. Part-time coverage is also provided to Reserve members who do not qualify for full-time coverage (members covered part-time do not receive 120 days of free coverage).

    If you are totally disabled at the time of separation (unable to work), you can apply for the SGLI Disability Extension. which provides free coverage for up to two years from the date of separation. At the end of the extension period, you automatically become eligible for VGLI, subject to premium payments.

    Ready Reserve or National Guard Members in Non-Pay Status

    You are generally still covered by SGLI if you are a member of the Ready Reserve or National Guard and are:

    • scheduled to perform at least 12 periods of inactive training per year, AND
    • are drilling for points, rather than pay.

    SGLI premium rates are the same as those drilling for pay. However, each branch of service handles payment of premiums during this non-pay period differently. If you are a drilling Reservist or Guard member in a non-pay status and have questions about whether you are covered by SGLI and how to pay your premiums, view our branch of service contact list for the number to call for information.


    If you have SGLI coverage, you pay a monthly premium that is automatically deducted from your base pay. The current basic SGLI premium rate is 7 cents per $1,000 of insurance. The premium includes an additional $1.00 per month for Traumatic Injury Protection coverage (TSGLI) .

    SGLI Premium Rates Effective July 1, 2014

    Converting SGLI to VGLI

    You must apply to convert SGLI to VGLI within one year and 120 days from discharge. Veterans who submit their application within 240 days of discharge do not need to submit evidence of good health, while those who apply more than 240 days after discharge are required to answer questions about their health. Follow this link to learn more about VGLI .

    Some medical conditions may make it difficult or even impossible to obtain private insurance. If you have any of these conditions, you should consider purchasing VGLI. Follow this link to learn more about medical conditions that may make you uninsurable. .

    Converting SGLI to Commercial Policy

    Servicemembers covered under the SGLI program have the option to convert their SGLI coverage to an individual policy of insurance within 120 days from the date of separation from the military. Learn more about converting to a commercial policy .

    Making Changes to SGLI Coverage

    If you qualify as eligible for SGLI, you are automatically enrolled and do not need to apply for coverage. However, to designate beneficiaries, or to reduce, decline, or restore SGLI coverage, use one of the following methods, depending on your branch of service:

    If you are in the Navy.

    You no longer need to use the SGLV 8286 to change your SGLI elections! You can now manage your Servicemembers Group Life Insurance (SGLI) coverage using the SGLI Online Enrollment System (SOES). SOES allows Servicemembers with full-time SGLI coverage to make fast and easy changes to their life insurance coverage and beneficiary information at any time without completing a paper form or making a trip to their personnel office. To access SOES, sign into www.dmdc.osd.mil/milconnect and go to the Benefits Tab, Life Insurance SOES- SGLI Online Enrollment System.

    If you are in any other uniformed service

    SOES is expanding by uniformed service. For now, you must complete and submit the SGLI form SGLV 8286, Servicemembers’ Group Life Insurance Election and Certificate. You should contact your Personnel Office for any changes to Basic SGLI or Family SGLI coverage. Follow this link to find out when your service is scheduled to begin using SOES .

    Myths and Rumors About SGLI

    There are several myths, rumors and misconceptions about SGLI and VGLI insurance floating around. Please visit our Myths and Rumors page to find out what’s true and what’s false.

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    Health insurance #health #and #dental #insurance #for #self #employed


    Health insurance

    We don’t just insure, we care

    To us, looking after you is about more than treatment. That’s why we provide you with around-the-clock advice and support with our Anytime HealthLine when you need it most – whether you have questions about a prescription or your child has woken up in the night with a rash. We want to make sure you’re getting the best possible care.

    If the worst should happen and you’re diagnosed with cancer, we promise we’ll be there for you every step of the way as long as you are a Bupa member, giving you access to eligible breakthrough drugs and treatments that are right for you.

    To find out more or to get a quote call us

    0808 256 9436 ^

    Families save 10% on Bupa health insurance

    We value families at Bupa, which is why you ll pay 10% less on your health insurance when compared to buying individual policies for each member of your family.

    Couples save 5% on Bupa health insurance

    We re also offering a 5% saving for couples on the same health insurance policy compared to the combined price of individual cover.

    For cancer care that’s personal

    If you experience cancer, we ll be there for you with individual care at every stage of your cancer treatment for as long as you have Bupa health insurance. Your body is unique, so if you re diagnosed with cancer, we could offer you genetic or molecular profiling tests to see if the treatment is right for you. That way, we can reduce the need for trial and error and get you on the right path faster .

    For breakthrough drugs and treatment within your reach

    If your consultant recommends a drug or treatment that isn’t widely available, we could approve it for you within 24 hours, as long as the drug is licensed for your specific condition within the UK and eligible. We even consider those that aren’t available on the NHS or NICE approved.

    For going further than funding treatment

    Whether it’s your child being sick in the night or a pain that’s worrying you, whenever you need health advice you can rely on, you can call our Anytime HealthLine 24/7 to speak directly to qualified nurses and doctors.

    For getting the help you need faster

    We’re here to help you deal with health issues big and small, sooner rather than later. From reassuring advice following diagnosis, the very moment you need it, to an eligible diagnostic scan which we’d aim to do within two days, we act quickly, so you can move forward faster.

    For fast help with muscle, bone and joint problems

    You rely on your body for every move you make, so any issues need to be sorted as quickly as possible. If you call us with a problem, our physiotherapists can give you advice on managing your pain and a specialist referral if you need one, usually without the need for a GP appointment ‡ .

    For healthcare that rewards you

    As well as money off things that can help you stay healthy, like food shopping and gym memberships, we sometimes offer little rewards just to make you smile – like free coffee for you and a friend. Because your health insurance should keep you happy as well as healthy. Terms and conditions apply.

    Most frequently asked questions

    Here’s a selection of questions and answers that we’ve already helped our customers with. Expand all

    How do I decide which core health insurance option is right for me? How do I decide which core health insurance option is right for me?

    As a starting point, think about your lifestyle, budget and the areas of your health that concern you the most. Comprehensive covers medical costs from diagnosis and treatment to aftercare.

    If you choose Comprehensive and full cancer cover, it includes diagnosis, eligible treatment and aftercare. Alternatively if you choose NHS Cancer Cover Plus, cover is only available if the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available under the NHS.

    Treatment and care covers eligible treatment and following this, any consultations, diagnostic tests and scans that are needed after you have received your treatment.

    If you’d like to speak to us about health insurance, call 0800 606 570 ^ and we can talk you through some suitable options. Alternatively you can get a quote online now.

    If you want to learn more about health insurance and how it works, take a look over our health insurance guide .

    What isn t covered as part of my Bupa By You cover? What isn t covered as part of my Bupa By You cover?

    Bupa By You covers you for new conditions that occur once your cover has started – so you won’t be able to use it for medical conditions that were apparent before you took out cover. There are also certain conditions that, whichever plan you choose, will not be covered, for example chronic long-standing conditions or cosmetic surgery. Details of the full list of exclusions can be found in the policy benefits and terms (PDF, 229KB) that will also be sent to you once you have taken your cover out.

    What happens once I have health insurance? What happens once I have health insurance?

    You’ll be covered from the moment you have agreed on the level of cover that’s right for you and you’ve set up your monthly Direct Debit. Once your cover has started, you can cancel it within 21 days and as long as you haven’t made any claims we’ll refund all of your subscriptions for that month or year. You’ll be sent all of the documentation that details what is and isn’t covered and how you get in touch with us should you need to claim. You can also find this information in our policy benefits and terms (PDF, 229KB) .

    Each year before your renewal we’ll send your renewal details including your new subscription price.

    Can I add other members of my family to my policy? Can I add other members of my family to my policy?

    For an additional cost you can add your partner and/or your children (including newborn or adopted children) as dependants at any time. Please call us so that we can update your policy on 0333 331 4195 ^ .

    Is my cover renewed every year? Is my cover renewed every year?

    We’ll write to you at least 28 days before your renewal date, and your annual cover will automatically be renewed unless you decide to end your cover. Each year at renewal you can change elements of your cover if your circumstances change.

    What if I m leaving my company scheme? What if I m leaving my company scheme?

    If you ve been part of a company health insurance scheme but you re leaving it now, you can still have Bupa health insurance.

    Anything that was excluded on your company scheme would remain excluded on Bupa By You. When joining Bupa By You as a company leaver, you will be required to meet our of eligibility criteria.

    Find out more about leaving your company scheme. or call us today on 0800 606 570 ^ to talk through your health insurance options.

    ^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

    Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based.
    Bupa will not fund for genetic testing when used solely for the purpose of screening.

    Direct access telephone services are available as long as the symptoms are covered under the policy. Pre-existing and chronic conditions are normally excluded. Direct access services may not be available for some underwriting methods. Please call us to allow us to check your eligibility for the direct access service.

    10% saving applies to family cover which includes one adult or more and one or more children. The savings apply to family cover with children on their policy compared to the price of individual cover for each family member. All children covered must live at the same address as the main policy holder Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our family rate at renewal.

    A couple pay 5% less compared to the combined single premium price. The partner covered must live at the same address as the main policy holder. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our couples rate at renewal.

    Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.

    Health assessments and checks

    Health insurance and cash plans

    Self-pay treatments

    /media/Images/Global/Icon/support-icon.png?h=17 w=12″ /> Member help and support

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    Most long-term insurance care enrollees are eligible for little-known benefit – The Washington Post


    Most long-term insurance care enrollees are eligible for little-known benefit

    Three-fifths of enrollees in the Federal Long Term Care Insurance Program who are facing steep premium increases will be eligible to invoke a little-known feature of the program that will allow them to stop paying premiums but still keep some coverage, the Office of Personnel Management has said.

    The paid-up provision allows enrollees whose premium is increased beyond a certain percentage to stop paying premiums, with benefits then reduced. The triggering percentages vary according to the age at enrollment and take into account all increases since that time; FLTCIP rates also increased for many enrollees in early 2010.

    The OPM announced last week that premiums will increase on average by 83 percent in November for all but about 10,000 of the 274,000 people in the program, which is open to active and retired federal employees and military personnel and certain family members.

    Enrollees pay the entire premium, with no government contribution, for insurance that covers at-home, nursing home and other types of care for those who need help with activities of daily living such as bathing or dressing, or who have certain cognitive impairments.

    Rates vary according to the age at enrollment and choices including daily benefit amounts, length of policy and inflation protection. The increases come with the award of a new seven-year contract with the provider, John Hancock Life and Health Insurance Co. and are based on projections that the current premiums would not cover future payouts.

    Affected enrollees are being notified that during an “enrollee decision period” through September, they can accept the increase; reduce benefits to keep their premiums the same; choose a middle course; or, if eligible, elect a paid-up benefit (enrollees also can cancel their policies at any time, although they would lose eligibility for future benefits).

    In response to a query, OPM said that about 60 percent of those facing a premium increase are being told in their notice letters that they are eligible for the paid-up benefit, formally known as a “contingent benefit upon lapse.”

    “By choosing this option, the enrollee will keep their current daily benefit amount, but their maximum lifetime benefit will be reduced to total premiums paid through November 1, 2016, or 30 times the current daily benefit amount of the coverage, whichever is greater,” OPM said.

    “By exercising the contingent benefit upon lapse, the enrollee could significantly reduce the benefits of their coverage, so it is important to give this option careful consideration before selecting it. We encourage the enrollee to discuss their options with a financial advisor on the potential implications of changing their long term care insurance coverage,” it said.

    The paid-up option could prove to be attractive for some enrollees in the face of the increase, compared with their other choices.

    “One of things we’re finding throughout this notification process is that people, in addition to being justifiably angry, really don’t understand what their options are. They are confused and unsure of what to do next,” Jessica Klement, legislative director of the National Active and Retired Federal Employees Association, said in an email.

    “If the enrollee wants to cut and run, which may be the only viable financial option, there would still be money that can help pay for long term care costs in the enrollee’s maximum lifetime benefit account. Hopefully, those eligible individuals, and all of those affected, will take the time to call the program and have the option explained,” she said.

    OPM also provided a fuller explanation for its decision to create what will be a two-level premium structure. Premiums are not increasing for those who newly enrolled after July 31, 2015, or who will enroll in the future. Premiums had increased for new enrolments after that date by 30 percent on average over the rates applying to those who had enrolled up to then.

    However, those who enrolled before that date are now facing a much larger average increase starting in November, under last week’s announcement.

    Said OPM: “The premium increase needed for the inforce (enrollee) population is significantly more than what is needed for new enrollees because the inforce population is starting from a significant deficit position, whereas new business starts from a clean slate with no deficit to make up for. The significant deficit for the inforce population is due to their having paid lower than necessary premiums for up to 14 years.”

    “Even with the increase that current enrollees are facing, FLTCIP pricing remains competitive,” in the long-term care insurance market, it said.

    In addition to those enrolling starting last August, the premium increases won’t apply to those who were age 79 or older when they enrolled, those who are under an alternative plan that covers only nursing home care, and those currently drawing benefits or awaiting a decision on a claim.

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    Motorbike insurance #top #insurance


    Motorbike insurance

    The best price for you, from a panel of leading insurers

    • Choose from comprehensive, third party fire and theft, or third party only insurance.
    • Discounts are available based on your no-claims record, parking security and riding experience.
    • Tailor your insurance with our optional extras from Legal Expenses Cover and Bike Hire, to Excess Protect and Personal Accident cover.

    Optional extras

    You can enhance your motorcycle insurance by adding these cover options.

    Legal Expenses Cover 32.99

    Protect yourself after an accident that wasn’t your fault for less than 10p a day, with up to 100,000 to cover costs such as compensation for personal injury, recovering loss of earnings, damage to personal belongings and prosecution defence to defend your legal rights.

    Helmet and Leathers Cover 39.99

    Take care of your motorcycle gear, so if anything is damaged as a result of an accident, you know it will be covered. We will provide up to 1,000 cover for your helmet, protective clothing, leathers, gloves and boots, regardless of whose fault the accident was.

    Personal Accident Cover 39.99

    Give you and your family the peace of mind that if you have an accident on your motorbike, you will be covered. Our Personal Accident cover will provide up to 25,000 cover for accidental injury, disability or death.

    Bike Hire Plus 31.99

    If you rely on your bike as your main mode of transport, don’t be left stranded. Our Bike Hire Plus cover will provide you with a replacement bike for up to 14 days if an accident leaves your bike unrideable.

    Excess Protect 41.99

    Guard yourself against the unexpected cost of making a claim with our Excess Protect cover. We’ll cover your policy excess up to 600 in one year in the event of accidental damage, fire, theft, vandalism and flood excess. So you’ve got one less thing to worry about.

    Key Protect 20.99

    All keys belonging to the immediate family living in your household are protected against loss, theft and breakage with our Key Protect policy. It also covers up to 1,500 for locksmith charges, replacement locks, reprogramming of immobilisers and alarms, and onward travel or use of a hire car.

    How you can save money on your motorcycle insurance

    Whether you ride a moped or scooter to get around town, or are a serious motorcycle enthusiast, it’s worth thinking about ways you could reduce the cost of your motorcycle insurance.

    Get a full motorcycle licence

    Having done your Compulsory Basic Training (CBT) it’s worth attending a course with a Driving Standards Agency (DSA) approved instructor and preparing to pass your test. Once you have a full licence you are likely to see a reduction in your motorcycle insurance premium.

    If you’re over 21 and have a full motorcycle licence you can take an advanced motorcycling test. Tests are offered by organisations like the Institute of Advanced Motoring (IAM) and the Royal Society for the Prevention of Accidents (RoSPA).

    The IAM’s Advanced Motorcycling Test examines your ability to ride your motorcycle safely in a variety of situations, like riding on motorways, country lanes and in city traffic. Insurers and brokers may offer you a discount on your premium if you’ve passed this, or a similar, recognised motorbike test.

    Safe motorcycling

    If you ride safely by following the Highway Code you are likely to reduce your chances of being involved in an accident. This could improve your chances of earning a no-claims discount when you come to renew your motorbike insurance.

    Staying within the speed limit will not only help you to stay on the right side of the law, it should also help you to keep the cost of your insurance premium down. A speeding conviction is likely to mean higher insurance costs.

    Motorcycle security

    Insurers will ask where you keep your motorcycle at night when you request a quote. If you keep it in a locked garage this may gain a lower premium.

    Comparing motorcycle insurance quotes

    When you compare motorcycle insurance quotes it’s important to compare like with like. If you’re looking at quotes with similar prices make sure you compare the excesses that apply to each policy.

    It’s also important to look at the benefits or options a policy offers. Think about what you need cover for. If you decide you need cover for injuries you may suffer in a bike accident look for a policy offering personal accident cover. If you’re interested in taking your bike on a tour of Europe, look for a policy which extends cover to the EU for the period you need.

    Good to know

    1 This discount is only available to AA breakdown customers when they become new AA Motorcycle Insurance customers. This offer can be withdrawn or varied at any time.

    AA Motorcycle Insurance Services is a brand style of the Automobile Association used under licence by Europa Group Limited, which arrange and administer the insurance. Registered office: Europa House, Midland Way, Thornbury, Bristol BS35 2JX. Registered in England and Wales number 3279177.

    Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 309794.

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    Cheryl Feraud – State Farm Insurance Agent in Casper, WY #insurance #companies #in #wyoming


    Cheryl Feraud, LUTCF

    • State Farm Agent since 1994
    • Wyoming Native
    • National Association of Insurance & Financial Advisors
    • Casper Area Chamber of Commerce
    • Five Trails Rotary Club
    • Local Church
    • Background: Ranching and former Associate Director
    • of Petroleum Association of Wyoming
    • Married to Kent Hambrick
    • Three grown sons, four grandsons, one granddaughter
    • Legion of Honor/Ambassador Travel Qualifier
    • NAIFA Naitonal Quality & Multiline Sales Awards
    • Auto car home renters life health
    • Insurance Casper Wyoming
    • Walk in Call in Click in

    Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.


    State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

    State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

    Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

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