Niche insurance specialist E&L? have recently made changes to their golf insurance scheme to ensure they offer the lowest premiums possible for golfers aged 5 years old and upwards.

After speaking to golfers at the recent NEC Golf show which the company attended they have reviewed their premiums to ensure they are offering the lowest possible rates in the market. This is backed up by a lowest price guarantee.

Francis Martin, General Manager of E&L? Insurance, said: ?With the warmer months approaching their will be an increasing number of golfers hitting the fairways. With a High Court ruling resulting in golfers being potentially liable for shots that cause injury it is imperative that golfers have some cover in place in case of accident. With cover from just 6p a day or plan allows the golfer to enjoy his round of golf without worrying about the consequences.?

If you would like additional information on the scheme, or wish to take out a policy, please call E&L? on 08449 809 520 or visit

If you have a pet you may want to consider carrying a pet insurance policy for them. This type of insurance is gaining in popularity as it can help defer some of the expenses that you can occur when owing a pet. Pet insurance works very similarly to a human's insurance policy and here is what you can expect from an insurance policy for your pet.

First thing you should consider is when you should enroll your pet. The younger your pet is when you buy its policy the better your premium is going to be. This is because you should have several years when your pet will only need regular check ups and routine shots. As your pet ages the premiums will raise according to the health of the animal.

When you choose a pet policy here is what you should expect. The insurance company will contact your veterinarian and get a copy of your pet's medical history. They are looking for any pre-existing condition and to see if you keep up with your pet's regular exams and shots. Once they have that information they will give you a quote and you can either except it or try another insurance company.

Almost every insurance company has an age limit on how old your animal can be for your enrollment age. The average age for dogs is eight years old, or five years old depending on the breed. Most larger breed dogs such as great Danes or German shepherds fall into the five year old category. Cats, on average, are accepted up until 10 years of age.

Once you pet is accepted you will be given notice of any exclusions on the policy. These exclusions are given for symptoms that are currently being treated. This means that nothing for that condition will be covered now or in the future. An example of this may be if your cat is showing signs of arthritis it may be excluded on your policy. Each year your insurance company will obtain your animal's health records and adjust your premiums according to the health of your pet. So as you pet ages you should expect your policy rates to rise.

There are several types of coverage that you should expect the insurance policy to cover. The first of which is your veterinarian visits, a good policy will cover both routine visits and emergency visits. There are policies that cover reasonable boarding fees if you are ever hospitalized and need your pet to be placed in boarding. Many policies also offer a lost pet coverage which means they will pay for a reward and advertising if your pet is lost or stolen.

Some policies will also give you the option of having vacation plan coverage. This coverage will pay for vacation plans that have to be cancelled due to pet illness. Read your policy carefully so you understand the requirements for coverage. Many pet insurance policies will also give you a discounted rate if you have more than one pet on the plan.

Once your children are grown, you may not see the need to carry life insurance any more. However, you might want to continue carrying life insurance for your adult children in order to provide them with the financial security they would otherwise not be able to afford.

While life insurance should be part of everyone?s life, young adults may not be able to find room their budget for it. You can help them out by paying the insurance premium on an affordable policy until they are able to pay for it themselves.

Protecting Your Adult Children

The process for buying life insurance for your adult children is much the same as buying life insurance for yourself. As the policyholder, you choose the amount of insurance you want to buy, you pay the premiums, and you decide who the beneficiaries will be. However, your adult children need to give their consent for you to take out the policy.

How much insurance do your adult children need? This will depend on how many dependents they have and whether or not they are in debt. Many experts suggest an amount that is eight times their annual income, which should provide for living expenses for 20 years.

Finding an Affordable Policy

The Internet is an excellent source for finding an affordable life insurance policy that will protect your adult children and their families. By going to an insurance comparison website on the Internet, you will be able to quickly and easily obtain insurance quotes from several A-rated insurance companies.

Of course, you will need to complete a form with information about the insured, such as their medical history, jobs, and habits. You will probably want to work with your adult child to complete the form so it will be accurate.

On the best insurance comparison websites, you can also get answers to your life insurance questions by talking with insurance professionals by phone, or through their online chat service (see link below).

Where to Get the Best Rates

Many years ago, there was an early version of James Bond called Bulldog Drummond. Like Bond, he was a Brit and he had true grit when fighting an international criminal and his moll. The movies were less successful but the books are truly memorable. One of the best is ?The Female of the Species?, the title being the unfinished version of ?. . .is more deadly than the male? ? a line from a poem by another Brit called Rudyard Kipling. When Drummond finally kills his arch enemy, the battle is resumed by his moll and she proves a deadly opponent. Indeed, throughout literature, the women who step on to the dark side always prove to be more complete villains than their male equivalents. It?s as if our horror of women doing bad stuff makes anyone good at it seem doubly frightening. Curiously, women drivers have always inspired a mixture of fear and derision. Men seem convinced women drivers are either uselessly timid or homicidal maniacs with little left between. Yet insurance companies who get to see all the traffic accident statistics across the US have a rather different opinion. The reality is women drivers are safer than men. They are involved in fewer accidents and, when an accident does occur, there are fewer people seriously injured and the vehicles are not as badly damaged. When it comes to setting premiums, you reward the people who drive more slowly and follow the rules of the road, and penalize the drivers who drive at reckless speeds and crash into anything that gets in the way.

There are several theories about differences between the sexes. Some say men have better spacial awareness. This allows them better control over moving objects at speed. Some say women do what they are told and so apply the speed limit and the laws on safety. Whatever the reason, three times more men than women are killed on the roads every year. Men aged under 25 are the most likely to die. They are the ones most likely to buy high-powered vehicles and want to show off. They are also likely to drive while under the influence of alcohol or drugs late at night when it is most dangerous. It?s a sad picture but insurance companies deal with the world as they find it. Premiums are high where the risk of claims is high. That means young male drivers pay the highest premiums of anyone on the road. Their only strategy is to prove they are the exception to the rule. They should buy low-powered family saloons and drive as little as possible. There must be no tickets for speeding or any other moving violation. There must be no claims. The men who prove they are as safe as the women earn the same lower premiums. As for the women, they will always get cheap car insurance premiums. The biggest savings comes from the insurance companies offering special women-only policies. It is worth shopping around to find the really cheap car insurance policies in the age range of 30 to 45. Assuming low mileage at conventional times of the day, the lowest rates will be offered to this group. Then as age increases, the premiums will edge slowly up again, reaching a maximum after the age of 75.

We humans are striving hard for a comfortable living at the present but what about the future. The future is quite unprecedented and unpredictable when it comes to your family. Take a minute and answer this question as to what's your life worth? If you are one among the many consumers who are lost in the world who are shopping for life insurance, that's sort of what you're trying to find out. We've been flooded with so much information about it that we are left with nothing concrete. Be it on the internet, or switching on the radio or television the infomercials all suggest you to save money by investing in a life insurance.

To Figuring out how much life insurance you need shouldn't be a guessing game. You can assess your needs -- and the needs of your loved ones -- and make a calculated assessment. If you thought that a lot of insurance advice is based on your marital status to determine your insurance needs, then you are sadly mistaken. In reality it is different and the most important factor determining it is whether you have any dependents. Those who are (or who will be) counting on you to support them, either partially or fully -- and how many dependents you have.

It's not at all a difficult task to search one such life insurance which satisfies and suits all your family needs. There are many customers which are very much satisfied with the reply they got for their questions from choices Inc. Sherry Pellicori who is the financial consultant of Choices Inc will help you a lot in understanding your needs of the family ones you sign in. a person can find many different experts in the field of insurance policy who can direct them with different estimates which will lead them to the correct number. To protect your family for the future, the analysis presented by her help you in all respects to take into account the entire peculiarity which makes you and your family exceptional.

With collaborating in with her, and signing up for the free course you will avail the once in a lifetime opportunity that will change lives. She will teach you the value of your money and protect it and allow you to leave a legacy worth 40% more-completely tax-free. Benefits that you reap after collaborating with her and the policy you choose will leave your family protected for now and in future. You have to see the bigger picture that every individual has different needs; no two humans in this world are the same. Although your financial situation may look the same as your colleague's, your needs are different.

If you are thinking what would be the right time for an insurance policy, then it is right now. Imagine how life would be if something unexpected were to happen to you your family will at least have the financial part secured even after you were gone. The benefits of an insurance policy are many as it will take care of your loved ones even when you are gone. So, why not get the term life insurance policy and reap the many benefits that will help you in the future?

Individuals have been selling their rights of life insurance policies since the beginning of the insurance industry. This, however, was a quite unknown practice until the AIDS epidemic heightened in late 1980's. When insured?s stricken with the disease learned about the living value to life insurance, the Viatical Settlement Industry is born.

Viatical Settlement Benefits
? Immediate cash inorder to ease financial burdens
? Additional cash to compensate for loss of income
? Relief from Premium paid
? Funds to seek treatment not covered by health insurance

Viatical settlement definition
A viatical settlement is selling a life insurance policy issued on the life of a person, who has a terrible illness or condition that is expected to result in death within 84 months, for an amount that is less than policy?s face value. The person with the life-threatening illness who is insured under the policy is called a viator. He may or may not be the owner of the policy. But only the holder of the policy has the right to sell it. If you do not own the policy, owner cannot sell it without your consent. The unit that buys the policy is called a viatical settlement provider, also, there are persons called brokers, who help with the sale of the policy. This settlement offers you the chance to receive a portion of your policy?s death benefit as you are still alive, giving you an option to ease the financial stress that goes with an illness or condition.

How Viatical settlement works
Most of the providers or brokers will ask you to fill an application and medical release forms so that they could collect information from your insurance company and your doctors. All that gathered is to be kept confidential and cannot be given to someone without your written approval. If you meet the criteria, the provider will make an offer for your policy. The amount offered for your insurance policy will be purely based on the facts such as how long you are likely to live, the sum you pay for premiums, the rating of your life insurance company, and your policy?s other provisions. If you accept the offer, you would be asked to sign a viatical settlement contract.

investing in viatical settlement contract
Viatical Settlement Contracts are nowadays being sold as securities, and even though there is nothing inherently wrong with investing in viatical settlements, the potential investors need to be alert of a few basic facts and the difference between viatical settlements and other kinds of securities. The first thing to keep in mind is that most often the investor in a contract is reliant upon the viatical settlement provider, or other party selected by the viatical settlement provider, see to it that the viatical settlement contract and the fundamental life insurance policy is maintained. This can involve everything from determining the life expectancy of the viator to safeguarding of the life insurance policy.

Most states consider a viatical settlement contract that is sold as an investment, as a security and regulate these investments as such. As always, anybody considering investing money in any security should carefully research the product, the individual, and the company that is offering the security.

A number of people are looking online for their home insurance. Online insurance is in demand these days. It is always better to have some knowledge about the types of insurance quotes that are available in the market. Usually, there are 2 types of schemes available for the home insurance.

The first one basically deals with all the materials, which are inside the home, such as fridge, television, computer etc. So, if there is any theft in the home, then this type of insurance policy will be applicable. Second one is the one, which generally deals with insuring the house itself, which is its structure. So, if any kind of damage occurs to the structure, then this kind of insurance scheme is applicable.

Almost all the insurance companies offer you both the types of insurance covers, and in most cases, if the property is being mortgaged, then the insurance policy will be inevitable. One can take the policy either individually or by combining the content insurance and the home insurance together jointly. Taking a joint scheme will always be giving more benefits to the customers, rather than taking an individual policy. Generally, the home content insurance covers all those items, which can easily be taken away along with you from a place to the other. And, on the other hand, the home insurance policy will cover all those parts of the house that cannot be moved.

Generally, it is always better in insuring the home content because there is always a threat of happening a theft, or a natural disaster such as lightning or flood. And, there are a number of schemes, which cover such kinds of possibilities. Every item of the house could be covered under insurance to a certain amount, which depends on their original cost, and the depreciation, which occurs with time. Generally, it is advised to get maximum cover after considering its total worth, and one should not buy any cheaper policy

A person should go through the terms and conditions of the policy and the details of the claim amounts of every item before signing any contract with the insurance company. More the coverage more is the amount of the premium that you have to pay. And one must avoid any option so as to reduce any kind of payments in the insurance coverage. So, one must take care while going for an online insurance.

This is a good year for drivers in California. Way back when in 1988, Proposition 103 received more than enough support from voters to pass. Basically, voters wanted car insurers to set rates based on the driver's record and the number of miles driven. Three years ago, the Commissioner for Insurance introduced new rules prohibiting the use of ZIP codes as the primary factor for determining car insurance rates. These rules came into force July 14. This is one battle won for consumers' rights. The war goes on. Zip codes remain a dominant factor in other states. Similarly, insurers also check out your credit score. Almost every company seems to think that people with low credit score make bad drivers.

So what's going on? Well, it's all about how to define risk. All the factors go into the melting pot. How old you are, where you work, where you live, whether you own or rent your home, whether you own the car outright or have a car loan, what make and model of car, and so on. This personal information is included in your credit history. It gives the companies a snapshot of who you are. Is it fair to look at this information? Unfortunately, yes. Just as a loan company wants to know more about you before making the offer of a loan, car insurance companies want a better idea of whether you take care of your financial affairs before agreeing to pay out if you get in a traffic accident.

The first step in setting the auto insurance rate is whether you qualify for any discounts. For example, most companies offer discounts if you can pay an annual premium rather than by monthly or half-yearly installments. Then comes the math work. There are statistical methods to determine the risk of you getting in an accident. If you're a late payer who gets into trouble with liens and mortgages on your property, if you rent rather than own, you may not take as much care of your property as others. Add in lack of consistency in employment and multiple lines of credit getting close their the maximums, and you're considered a higher risk driver. It may not feel fair. It probably isn't completely fair. But that's the way insurance credit scoring works.

So, before you go online for your next car insurance quotes, check out your credit score and, if necessary, repair the score. The Fair Credit Reporting Act gives you the right to get free copies of your credit reports. Use that right and get your credit score into shape before getting quotes.