Insurance Videos

Life insurance companies determine premium costs based on the insured person's gender, age, zip code and occupation. Prepare for an insurance company to look at medical records and credit history...

To determine whether a term life insurance policy is good or bad, look at whether the policy can be converted to a cash building policy and whether you will have to undergo underwriting again....

Life insurance companies charge different premiums for the same policies based mainly on their financial strength and ability to take risks on the insured. Find a life insurance company with a...

Occupation will affect life insurance policy premiums because the more risk in a person's job, the more expensive a policy will be. Prepare to pay a high premium if you are working a dangerous job...

For life insurance policies, the lower the age of the insured person, the lower cost of the premiums for that policy. Find out how insurance premiums rise with age with information from an...

To use life insurance as an investment, obtain an insurance policy that builds cash value, such as a universal policy, a whole life policy or a variable universal life policy. Use the cash that is...

The main difference among life insurance companies is their financial strength, which can affect premiums, benefits and investments. Find a life insurance company with solid finances to ensure...

Temporary life insurance, also called term insurance, is a policy that stays in effect for a set term of time in order to provide death benefits as long as the policy is in effect. Purchase a term...

Permanent life insurance is a policy that runs until the death of the insured and builds cash value depending on the investments made with the insurance premiums. Consider purchasing a permanent...

In a whole life insurance policy, dividends should be re-invested back into the policy to create a larger cash value, but they can be cashed out if necessary. Contact the insurance company to...

Finding a life insurance policy that is best for your needs will depend on where you are in life, what the purpose of the policy is and how much money can be used on a policy. Consider an...

You need life insurance in order to protect the people in life that are left behind from having to deal with your financial burdens. Whether you are single or married, contact a life insurance...

Variable universal life insurance policies have a very low minimum death benefit that rises and falls depending on the investments of the insurance company. Contact a financial adviser or...

To cash in a life insurance policy through work or an employer, contact the human resources department, who will then contact the insurance company in order to deal directly with you to fill out...

File a life insurance claim by contacting the insurance company and providing the death certificate of the insured, so that the insurance company can investigate the death and make sure it is...

Credit life insurance on a mortgage is set up so that in the event of the insureds death, the mortgage company is the beneficiary of the death benefit. Set up a credit life insurance policy that...

Life insurance brokers make commissions based on the policies that are sold, either on a monthly basis for the time that the policy is in existence or as an advance. Identify the risk that...

Life insurance policies work by identifying the risk of the insured to determine the premium amount that is paid by the person each month to keep the policy. Discover how life insurance death...

Life insurance works by determining the health, lifestyle and risk of the insured in order to determine the price of a premium to pay for the insurance policy. Find out how the benefit for a life...

The two main types of life insurance include temporary, or term plans, which provide coverage for a set amount of time, and permanent life insurance, which build up a cash value over the years....

Get a separate policy for a collectible or custom car, and provide the insurance agent with the vehicle identification number (VIN) of the car so that the insurer will be able to determine a value...

In order to save money on car insurance, check with an agent about eligibility for military discounts, homeowners discounts or the discount available to drivers with good credit. Find out how a...

To cancel car insurance after selling a vehicle, call your insurance agent. To avoid surprise claims on your policy by the new owner, make sure to turn the license plates of the car into the motor...

Check the car owner's insurance policy to determine the coverage levels for guest drivers; often the policy will only cover extra drivers for a set period of time. Learn how to determine if other...

To renew a car insurance policy or check on the renewal date, talk to an agent or set up an automatic policy renewal, which takes the premium directly out of a bank account. Make sure to keep car...

Though many car insurance companies offer flexible payment plans, a down payment is often needed to renew an auto insurance policy. Work out a payment plan, such as a six-month or 12-month policy,...

Comp insurance is short for comprehensive insurance, which covers property damage to a car caused by something other than a collision, such as a falling tree or a rock slide. Collision insurance...

Uninsured motorist coverage pays for injury costs when the person that you have an accident with does not have insurance. Find out the importance of uninsured motorist coverage and how to...

The types of car liability insurance include collusion, which covers driving accidents, and comprehensive, which covers damage to a car when the driver is not inside of it, such as trees, rocks or...

A driver's current car insurance carrier will check driving records periodically, but when a driver applies for a policy with a new carrier, that company will get a Motor Vehicle Report (MVR),...

The easiest way to get car insurance for teenagers is to add them to their parent's policy, but remember that sport cars can be very expensive to insure in this age bracket. Find out the most...

A great way to save money on car insurance is to pay a visit to an agent and ask about policy and premium options, but make sure the new policy includes the basics such as property damage,...

The color of a car does not affect the insurance premium for the driver of that car. Learn about factors that do affect the insurance rate of a car, such as the make and model, in this free video...

Alert an insurance company about a stolen car by immediately calling the toll-free company number and the direct number of the driver's agent; don't forget to call the police as well. Find out the...

Some car insurance companies cover accessories such as rims and stereos, some do not. The best way to determine coverage is to call an agent and discuss coverage with them. Learn how to determine...

Use the Internet to compare car insurance rates or call the toll-free numbers of the insurance companies to talk directly with a company representative, but be sure to get a final quote on paper...

The first thing to do when dealing with another person's insurance company is get that person's insurance card and copy down the information so it will not be forgotten after the traumatic...

The amount of car insurance a person needs depends on the coverage level they want for different categories, such as personal injury protection and property damage, as well as their budget and the...

When looking for the right car insurance company, consider an independent agent who works with many different carriers and can therefore offer many different quotes. Find out how an insurance...

Find cheap car insurance by comparing rates of many different carriers. The minimum basic coverage should always include personal injury protection and property damage coverage. Find out tips for...

Comprehensive car insurance covers property damage to a car caused by something other than a collision, such as a falling tree or a rock slide. Find out how to beef-up car insurance coverage to...

Car insurance for teenagers can be very expensive because of the risk and exposure associated with this age group. Parents can include teenagers on their car insurance policies or let their...

When calculating a deductible for a car insurance premium, remember that the higher the deductible the lower the premium, so get an insurance agent to calculate premiums for a variety of different...

When choosing car insurance, figure out a monthly budget to decide on how much to spend for personal injury protection, property damage, uninsured motorist and collision coverage. Determine how...

The difference between low-cost car insurance carriers and premium carriers is often the quality of customer service, though all insurance companies have to provide a minimum level of service to...

The different types of car insurance include personal injury protection, and property damage and collision; all are wise investments. Learn how to choose a car insurance deductible, which...

Many body shops have contracts with car insurance companies that allow them to deal directly with the claims adjuster. Find out how to work with a claims adjuster to determine the insurance...

Immediately after a car accident, drivers should call the insurance company to alert a claims adjuster to the accident; the adjuster can then begin work on the paperwork related to the claim. Get...

An insurance agent works as a consultant who will figure out what a client needs and then find the right insurance policy to fit those needs. Learn how insurance agents advise on insurance with...

Changing life insurance carriers is as simple as calling the life insurance company and canceling coverage. Get information on how a life insurance policy holder has the right to cancel coverage...