99Insurance Blog

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (7/3/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Change to car insurance nets big savings (The Age)
Basing the cost of car insurance on how far you drive can save people money and help the environment, a study says. (More)

Western Dental Broadens Services to Denti-Cal Patients Facing Program Cutbacks
Effective July 1, all optional adult services - ” those not mandated by the federal government to be provided - ” are being eliminated, including oral evaluations for new or established patients, fillings for cavities, restorations, crowns, and periodontal and other procedures. (More)

‘Insurance won’t cover all loses’ (BigPond News)
The promoter for the Michael Jackson concerts says insurance will cover some of the financial losses. (More)

Warren Buffett makes gift to Gates Foundation worth $1.43B
Billionaire Warren Buffett has donated $1.25 billion in Berkshire Hathaway Inc. stock to the Bill & Melinda Gates Foundation. (More)

Stocks on the move: Force Protection, MetroPCS, ShengdaTech
Shares of the following companies are having unusual moves in U.S. trading this morning. (More)

State agency approves AIG’s sale of business unit
VESTAL The New York State Insurance Department said Tuesday it has approved the sale of certain American International Group businesses to Farmers Group, a subsidiary of Zurich Financial Services. (More)

Insurance Articles

Reclaim PPI
If you in recent years took out a financial agreement it’s been widely reported that a massive total of credit agreements held ill-formed and irregular clauses. All regulated finance agreements have to comply with the exact conditions of the Consumer Credit Act 1974 which yields you the right to invalidate your agreement and cease making repayments. (More)

The three stages of Insurance Sales
I cannot imagine how the insurance salespeople are surviving this insurance crush in Florida and other states that have had high rate increases in the last few years. I feel sure they have suf… (More)

The Scandal of Payment Protection Mis-Selling
With premiums netting a lender up to 90% profit it is little wonder that across the globe each year millions of Payment protection policies are pressed onto unsuspecting borrowers. The range of cover went from home protection and car cover, through education and onto any loan for any purpose. The way the selling was set up meant that at every turn each part of the loan procurement industry was incentivised to get the product sold at all costs. (More)

Insurance Business - Generating Reliable Insurance Leads
Peoples and organizations concerned in online leads business are usually expert in SEO area. It is fine tuning your website to the demands of search engines so that when certain people use certain key… (More)

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Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (6/27/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Docs leaving under insurance pressure (Queens Chronicle)
Dr. Gary Eglinton looks at fetal heart scans at New York Hospital Queens. (photo by Michael Lanza) Upcoming malpractice insurance changes may give birth to major shocks among the city’s private obstetricians. (More)

Sun Life CEO Stewart appointed chair of Canada’s Task Force on Financial Literacy
Sun Life Financial Inc. chief executive Donald Stewart has been appointed chair of Canada’s Task Force on Financial Literacy, an independent body set up to help Canadians better understand how to save and spend. (More)

CIGNA taps COO Cordani as next chief executive
Health insurer CIGNA Corp. said it will separate the roles of chief executive and chairman and has named Chief Operating Officer David Cordani to replace retiring CEO H. Edward Hanway, effective in January. (More)

Replay chat: Iowa’s consumer advocate for insurance (The Des Moines Register)
Angel Robinson, Iowa’s consumer advocate for insurance and Ramona Lee, actuarial administrator for the Iowa Insurance Division will discuss using credit scores to determine insurance rates. (More)

SEC clears Fairfax
Fairfax Financial Holdings Ltd. said Thursday that the New York Regional Office of the Securities and Exchange Commission has completed its investigation of the company, and does not intend to recommend any enforcement action. (More)

Insurance Articles

Car insurance young drivers can afford is available!
Finding affordable car insurance when you’re young can be downright difficult. Young drivers have a record of being expensive to insure because they are involved in more accidents than more experience… (More)

How to Save On Auto Insurance
Like almost every business, the insurance companies have been hit by the rough and tumble state of the economy. While everyone is struggling to make ends meet, the costs of auto insurance has been on … (More)

Final Expense Insurance - My New Plan for Retirement
After almost 40 years of working my *** off, I’m near the point of enjoying my retirement.”Golden Years” some call it, yet is it really golden I ask you. All I’ve known is work and even when … (More)

Savings Cover to Be Increased by EU
With instability dominating the financial world at present savers are keen to know that wherever they invest their money it will be safe and covered should there be a financial meltdown and the company holding their funds go bust! With this in mind UK savers will be glad to hear of a new initiative by the EU that is set to see the compensation available to them increased considerably. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (6/19/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Man accused in $1.8M insurance scam (The Gainesville Sun)
By Anthony Clark Business editor Gainesville insurance agent James Sirmans Jr. is in a San Diego jail awaiting extradition on a charge of first-degree grand theft after allegedly pocketing $1.8 million in premiums for policies he took out on 20 sham businesses he started. (More)

Lawmakers criticize federal insurance program for wartime contractors (Los Angeles Times)
A House subcommittee contends that private companies, such as AIG and CNA Financial, have reaped profits while providing inadequate medical care to civilian workers injured in Iraq and Afghanistan. Lawmakers on Thursday sharply criticized a federal program that relies on private insurance companies to provide medical care and benefits to civilians injured while working in support of the U.S. … (More)

How to save on insurance costs (KING5 Seattle)
Many of us are looking for ways to lower our bills. The insurance industry estimates 24 percent of households have already lowered insurance payments by increasing their deductible. (More)

Senate’s Health-Care Draft Calls for Most to Buy Insurance, Nixes Obama’s ‘Public Option’ (Washington Post)
A draft proposal in the Senate to overhaul the nation’s health-care system would require most people to buy health insurance, authorize an expansion of Medicaid coverage and create consumer-owned cooperative plans instead of the government coverage that President Obama is seeking. (More)

Insurance Articles

Reasons to Invest in Insurance - Even During a Recession
With the pressures of a recession or perhaps a financial crisis of your own, you might be tempted to really strip your budget back. However, think carefully before you stop investing in something like contents insurance or private healthcare - it could be a false economy. This article will look at the reasons to continue investing in insurance, even when your budget is tight. (More)

Protecting Your Business With Business Liability Insurance
From large multinational corporations to fledgling start-ups, businesses across the world are attempting to reign in their budgets in order to remain afloat during the current economic recession. However, in the flurry to cut costs, it’s possible that some corporate priorities may fall by the wayside. (More)

When Is The Time To Get Commercial Car Insurance for Your Business?
How will you determine the type of car insurance policy that is appropriate for your business? Will the conventional insurance policy suffice in providing protection to the company?s assets an… (More)

Save Money and Avoid Unnecessary Legal Fees With Title Insurance
Title Insurance is a special insurance that is provided to protect the purchaser of a home or property from the expenses that can be accrued through court battles over property deeds. Before the purchase is completed the Insurance Company will search the property title and deed to check for leans or discrepancies in ownership. Title insurance is designed to protect the purchaser from hidden leans and can save the purchaser from needless future costs and legal fees. (More)

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Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (6/12/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Health insurance co-op proposal gains momentum (Denver Post)
As President Barack Obama traveled to the heartland to sell a government-run insurance plan as essential to health-care reform, Senate negotiators began to explore a possible bipartisan compromise modeled after rural cooperatives. (More)

Welch unveils bill to create federal health insurance (The Barre Montpelier Times Argus)
MONTPELIER – U.S. Rep. Peter Welch introduced a bill this week that is the centerpiece of President Barack Obama’s health care reform plans: The creation of a public health insurance plan run by the federal government. … - By DANIEL BARLOW VERMONT PRESS BUREAU (More)

Workers’ compensation insurance cost rising (San Francisco Chronicle)
After falling for five years, the cost of workers’ compensation coverage seems to be headed up amid debate over whether soaring medical costs or insurance industry waste is primarily to blame. At a hearing in Sacramento this week, Insurance Commissioner Steve… Sponsored Topics: workers compensation - Insurance - California Insurance Commissioner - Law - Sacramento California (More)

FactCheck: Health Insurance Ad Misses the Mark (Newsweek)
Could a public insurance plan spell the end of private insurance companies? (More)

Insurance Articles

Guide to Home Insurance for a Council House
Living in a council house? Bamboozled by home insurance? Find out what type of policy you need with this guide to insuring your possessions in a council-owned property. Home insurance vs content… (More)

Get These Questions Answered Before Choosing an Auto Insurance Provider
Auto insurance policies are not all created equally. Many consumers have the perception that all auto insurance is basically the same and that there are very few differences between auto insurance p… (More)

Wedding Insurance - Get This Valuable Protection
The bride and groom are so excited. They have put so much into the planning of their wedding, but what if something goes wrong? Wedding insurance is an inexpensive coverage that is designed to protect the bride and groom against unforeseen events that may delay or postpone the wedding. (More)

The Health Insurance Bill in a Nutshell
The Senate Health, Education, Labor, and Pension Committee released a compromise health insurance bill today. The bill mandates that all Americans purchase health insurance and places some restriction… (More)

Auto Insurance Deductible - What it is and Choosing the Right Amount
Deductibles are what the insured is responsible for paying in the event that a claim is filed. Not all policies require a deductible such as liability and the amount chosen can affect the prices of premiums. For example, comprehensive and collision policies have a predetermined amount that the insured pays if they file a claim. (More)

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Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (6/5/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Nevada Airs Insurance Public Service Announcements (Insurance Journal)
Nevada Insurance Commissioner Scott J. Kipper has released three public service announcements to air on television and radio stations across the state beginning in June. The PSAs bring to light … (More)

Two suspects jailed in alleged deadly insurance fraud scam (Reno Gazette-Journal)
Two men have been arrested on suspicion of car insurance fraud in an incident last year that proved fatal for a friend helping them, authorities said. (More)

Sri Lanka Insurance shares sale annulled (Asia News Network)
The Supreme Court yesterday declared in judgement that the sale of 90 per cent shares held by the Secretary to the Treasury on behalf of the government, in the Sri Lanka Insurance Corporation, had bee ….. (More)

Torchmark Insurance Unit Accused of Discrimination (Update1) (Bloomberg)
June 4 (Bloomberg) — Torchmark Corp. ’s Liberty National Life Insurance Co. was accused of illegally discriminating against Haitian consumers in Florida. (More)

ING hopes to raise ?6 billion by asset sales
ING Groep NV, the Dutch bank and insurer, plans to raise at least ?6 billion within five years by selling assets, the company told analysts Thursday. (More)

Insurance Articles

Have You Been Mis-Sold Payment Protection Insurance?
If you took out a loan, mortgage or credit card from a bank, high street lender or building society in the UK in recent years, the chances are that you were mis-sold payment protection insurance. It is now easy to claim if you can satisfy certain conditions outlined here. (More)

Insurance Agencies Can Help Cover All Aspects of Life
New Yorkers have many options insurance that will cover all aspects of their lives. Auto insurance, business insurance, and home insurance are briefly described in this text. (More)

Some Tips While Buying Car Insurance
Getting auto insurance for your vehicle can be the most difficult thing. It very annoying and takes lot of time to collect the auto insurance quotes from various sources. But taking the help of intern… (More)

Finding Cheap Insurance
Those residing in Northern Ireland were somewhat limited to finding cheap insurance; usually the only way that insurance could be taken was with lenders on the high street. This was due to unrest in Northern Ireland which included the stealing of cars and using them as burning barricades. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (5/30/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Older children can stay on parents’ insurance, starting Monday (The Pantagraph)
SPRINGFIELD — Illinois parents will be able to continue using their health insurance to cover older dependent children beginning June 1. (More)

Insurance Rates Based on Credit Rating (WHO-TV 13 Des Moines)
What does your credit score have to do with how much you pay for car and home insurance? That is how insurance companies have set rate for Iowans since 2004. The industry argues that people who are more responsible with their finances tend to be more responsible with their homes and vehicles. (More)

Eric Dinallo to Resign as New York Insurance Superintendent, Teach at NYU
New York Insurance Superintendent Eric Dinallo is stepping down, creating a vacancy in the most important U.S. regulatory post in the industry. (More)

AAA Insurance 200 starting lineup (Fox Sports)
ActiveReports Document @page{size: 8.5in 11in;margin-top:0.1in;margin-left:0.3in;margin-right:0.3in;margin-bottom:0.1in;} Starting Line Up by Row Dover International Speedway Provided by NASCAR Statistics - Fri, May 29, 2009 @ 11:15 AM Eastern 120.2 Speed Time 01:39:50 06/02/06 Date Driver Mark Martin  Track Race Record: AAA Insurance 200 1 33 Ron Hornaday Jr. VFW Chevrolet 23.145 155.541 Row 1: … (More)

Aetna offers credit monitoring after site breached
Aetna Inc. will offer free credit monitoring for a year to about 65,000 people after some e-mails were copied from the health insurer’s job application Web site. (More)

Insurance Articles

Auto Insurance the Web Way
When buying a new Automobile Insurance has been put on hold for other things that is less time consuming or even less frustrating, are you actually doing the right thing? Are you afraid to contact you… (More)

Understanding Payment Protection Insurance Cover
Payment protection is widely available these days to cover all forms of credit or borrowing. When comparing payment protection insurance plans it is necessary to find one that will cover all of your monthly outgoings. Many providers have different limits and it is important that you find one that will not leave you with a shortfall for repayments. (More)

State Disability Insurance Benefits
What is a State Disability Insurance? Also known as SDI, it is a partial wage for workers. This is mandated by the State and is funded by the deductions from the employee?s payroll. SDI offers short-t… (More)

Online Comparison of Auto Insurance Quotes
Buying car insurance is one of the most difficult things and requires lots of consistent hard work. Car insurance is a necessity and it is has been made obligatory by the government. Driving a car wit… (More)

Free Insurance Quotes to Save Money
Bad things can happen at any given time. We can’t predict when a traffic accident or a house fire may occur, but you can be prepared for them. Buying insurance (e.g. auto insurance, home insurance, etc) is one of the best ways to be protected and have the peace of mind you need. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (5/24/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Aig Ceo Liddy leaves a terrible joba for successor
American International Group Inc, seeking its fifth leader since 2005, needs an executive who can solve a problem that stymied Edward Liddy: How to stem an exodus of customers and repay loans in a $182.5 billion US bailout while balancing the demands of Congress and the Treasury. (More)

New beer tax on tap? Senate committee seeking ways to pay for expansion of health insurance (Journal Inquirer)
WASHINGTON — Joe Six-Pack may have to hand over nearly $2 more for a case of beer to help provide health insurance for all. Details of the proposed beer tax are described in a Senate Finance Committee document distributed to lawmakers before a closed-door meeting Wednesday. (More)

Travel insurance may protect - but check details (Grand Forks Herald)
  With swine flu dominating the headlines, planning a trip - especially an international one - may feel less like a vacation than a headache and a gamble. If you’re planning to travel, you may be considering an investment in travel insurance, which - depending on the policy - could offer you some coverage if you have to cancel or cut short a vacation. Michael Ambrose, president of the U.S. … (More)

Domino Insurance Agency: Making numbers fit since 1979 (Erie Times-News)
James T. Domino, president and owner, established Domino Insurance Agency in 1979. Jim’s bachelor’s degree in finance from Gannon University and his completion of several commercial, property and casualty courses, complement his friendly, committed service to his clients. Because of the continued growth and success of Domino Insurance Agency, Inc. (More)

New York Life Appoints SVP for Mergers & Acquisitions
John Grady has joined New York Life Insurance Co.’s Corporate Finance Department as a senior vice president responsible for the mergers-and-acquisitions area and the treasury department. (More)

Insurance Articles

Saving Money Comparing Insurance Quotes
In the present day trying to find out some of the best insurance quotes from so many different insurance quotes can certainly be a very difficult task. Although there are facilities like the internet to inquire about the various quotes online but we certainly have to do all the research and spend few minutes in deciding the cheapest insurance quotes that may best suit us. (More)

Event Insurance and How to Choose the Right Policy
When organizing an event, it is important to consider getting event insurance. This can cover all types of events no matter how small or large they are and can cover everything from weddings to corporate functions. By choosing the right coverage, you will be able to enjoy the event with a peace of mind in knowing that your time and money is well protected. (More)

What is Accidental Death and Dismemberment (AD&D) Insurance?
Accidents are a leading cause of death and disability, especially in young people. In fact, 25% of traffic fatalities in America involve a young person under 25 according to the Census Bureau. Worldwide, nearly 400,000 people under the age of 25 die every year in traffic accidents according to the World Health Organization. There are many more non-fatal but still disabling accidents and non-traffic related accidents. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (5/15/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

State Farm to cut car insurance rates for Calif. (AP via Yahoo! Finance)
California’s chief insurance regulator said Thursday he has approved an 8 percent rate cut amounting to $219 million in savings for State Farm auto insurance policyholders in the state. (More)

Berkshire sells 2.4M more Constellation shares
Billionaire Warren Buffett’s company sold more of the 20 million shares of Constellation Energy Group Inc. (More)

Tips for getting insurance when you have a pre-existing condition (CNN)
Nineteen-year-old Stuart Wald is not likely to grow out of his schizophrenia, bipolar disease and attention-deficit disorder. But he will, with 100 percent certainty, grow out of the health insurance coverage he has through his father’s employer — and that day is just a few years away. (More)

Insurance Videos

State Farm “Garage” Insurance Commercial

LeBron James does his best rendition of a Kid N’ Play dance, and refers his buddy to his State Farm agent.

Insurance Articles

Insurance Continuing Education
There are many requirements for certification in the insurance industry. One of those requirements is continuing insurance education, which varies in need within each different state. Some states have two-year continuing education requirements, while others might require agents and professionals to take courses annually to keep their certifications up to date. (More)

Make Sure You Have the Right Protection
One form of protection that most of us need but very few have is income protection (IP). The financial services industry are to blame for the majority of this, as when you take out a loan or mortgage, you will come away with some form of protection policy but the problem with that is that it is usually the wrong one. (More)

Understanding Important Insurance Matters
Indicating the name of a beneficiary as you fill up an application for insurance coverage should be something that you should not overlook during the whole process. Needless to say, this is really a very important factor since failing to do this right might mean that your dependents wouldn’t be able to receive the proceeds appropriately just in case the time comes that they need it already. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (5/7/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Insurance “Concession” To Stop Charging Women More Doesn’t Go Far Enough (Medical News Today)
The nation’s largest organization of registered nurses said the conditional offer by the insurance industry to stop charging women more for health coverage does not go nearly far enough. (More)

Insurance help improved for laid-off workers (Chicago Sun-Times)
Even if you’ve done everything you’re supposed to do to prepare for a layoff — built up an emergency fund, paid off your credit cards, set up an account on LinkedIn — losing your employer-provided health insurance could demolish your finances. Your health could suffer, too. While many insurers offer individual policies, they’re primarily targeted at the young and healthy. Individuals who are … (More)

Car insurance: What you must know (rediff.com)
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. (More)

Insurance firm hiring 50 new agents (Denver Post)
A Denver insurance agency is recruiting for dozens of new agents. (More)

Prudential posts loss of $5 million for 1st qtr
Insurance and investment company Prudential Financial Inc. on Wednesday posted its eighth consecutive quarter of losses. (More)

Insurance Videos

Travelers insurance - Katamari Damacy style

commercial inspired by katamari damacy for Travelers insurance. ad agency Fallon www.fallon.com and check this out too… www.digitaldj.jp

Insurance Articles

Hard Times in America - Preserving Insurance and Assets
Just about everyone out there is only too well aware that we are in very difficult times; things are going to become more difficult before they get better. This commentary addresses the issues and offers solutions. (More)

A Beginners Guide to Central Heating Insurance
There are insurance policies to cover most eventualities these days, from pet health insurance to mobile phone cover. Some are more important than others, and are even compulsory, as is the case with motor insurance. If someone has a mortgage, the lender will require the borrower to take out buildings insurance. These types of cover protect the policyholder from losses that could ruin their lives. (More)

The Basics of Insurance
Risk as an inevitable factor of life. Long ago, there was little you could do to manage it. These days, that’s no longer true. Risk can be managed through the use of insurance products. Insurance may be something that you don’t enjoy or don’t want to talk about, but it is something that is vital in planning for rainy day. As many of us have discovered the last few years, rainy days will come. (More)

How a Surety Bond Protects the Public
Example of Surety - Have you ever heard the saying “don’t ever be anyone’s Surety”, what exactly does it mean? You would be held liable to guarantee the obligations of the person you where acting as Surety for. (More)

This newsletter is provided by 99Insurance.com.

Dear 99Insurance.com Readers,

Welcome to the Insurance Newsletter (4/30/2009). In this edition we have included news, articles and videos. You can find more resources on our website: 99Insurance.com.

Insurance News

Judge clears way for homeowners insurance increase (The Wilmington Star-News)
RALEIGH | A Wake County judge has cleared the way for homeowners insurance rates to drop in nearly three dozen western North Carolina counties and soar along the coast starting Friday. (More)

Town to save $100,000 on insurance (The Buffalo News)
Orchard Park is saving about $100,000 on insurance under the bid accepted Thursday by the Town Board. (More)

Caterpillar Announces Remanufacturing Supply Agreement with Eaton
Caterpillar Inc. announces that it recently reached an agreement with Eaton Corporation to have Eaton’s heavy duty transmission remanufacturing business done by Caterpillar’s Remanufacturing Division. (More)

Senators Decry Flipping Of Life Insurance Policies (Washington Post)
A full-page ad in the Chicago Tribune invited people age 50 to 85 to come hear football great Mike Ditka and learn “WHY WALL STREET WANTS TO BUY YOUR LIFE INSURANCE POLICY.” (More)

Aetna reports slight 1Q profit increase
Managed-care company Aetna Inc. said Wednesday its first-quarter profit rose slightly due to membership gains and premium increases, even though the company saw higher-than-expected medical costs. (More)

16 Senate Dems push public insurance (Politico via Yahoo! News)
Sixteen Democratic senators put a finer point Wednesday on their support for a public insurance plan, urging key Senate committee chairmen not to abandon the option as they negotiate a health care overhaul bill. (More)

Insurance Articles

Insurance Against The Possible, The Probable And The Not Very Likely
Everyone is out to make more money these days and insurance companies cop a fair bit of flak for their pushy ways and sales patter. However, it is the responsibility of each and every one of us to ens… (More)

Benefits of Comparing Car Insurance Companies
Insurance is indispensible in today?s time. You should have a correct amount of insurance, covering all your risks and uncertainties. It provides many advantages to its customers. It is a separate mar… (More)

Will Insurance Cover My Marriage Counseling?
There is no price you can put on a happy marriage, but it seems that insurance companies are trying to do just that. Many variables affect whether or not your insurance will pay for your marriage help. (More)

Over 50 Insurance - What Are Your Options?
Insurance for over 50s can be expensive if they don’t do their homework. Premiums rise due to the increased likelihood of making a claim, however, by following a few simple steps insurance policies can be reduced dramatically. (More)

This newsletter is provided by 99Insurance.com.