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Archive for the ‘Insurance’ Category

The modern american society is at war, which influences and affects virtually all domains of life and forces people to reconsider traditions, judgments and practices. This is the war of sexes. And if some domains women are left by men behind, when it comes to insuring one’s life, the strong sex is clearly losing it, with women going far ahead. But why is that really so?

About a year ago the Society of Actuaries has conducted a study concluding that high amounts of testosterone lead to more harmful effects on health and behavior, not to mention the overall risk-taking property of this substance, which makes men more prone to undertaking hazardous activities than women. Higher blood pressure and lower immune system activity is the cause of the substantial difference in mortality rates and serious health issues, which are most obvious at the age of 22, when men have the highest amounts of the hormone in their blood. Read the rest of this entry »

The one thing most likely to impress your insurance company is that you have taken a number of simple steps to reduce the risk of a burglar entering your home. The result? A reduction in the premium is guaranteed. This can be relatively minor things like deadlocks on the doors or, if there are real risks of robbery or kidnapping, the more expensive installation of a panic room. As with all decisions, it’s a balance between the costs of the work and the benefits in the reduction of premiums. Finally, even if you cannot afford a full alarm system, there are cheap ways of protecting your property. Read the rest of this entry »

The least pleasant and most stressful moments of home insurance is of course filing a claim. Insurance companies are rarely happy to receive a claim from their customers, although it their direct job to handle these things. And most people, especially when having and insurance situation for the first time, are quite nervous about contacting the company. To make it a bit easier both for you and your insurer, here are some steps to follow in order to file a claim and get all the benefits of your policy when they’re needed. Read the rest of this entry »