Tuesday, June 29, 2010
Monday, June 28, 2010
Understanding Disability Insurance in New Jersey
Disability Insurance is designed to replace income lost when you can no longer work due to an accident or injury. Some employers carry this type of insurance as an employee benefit, but depending on the work you do or the dangers you are exposed to, you may want to consider buying a disability policy.
There are two types of Disability Insurance:
Short Term - Provides benefits for up to two years.
Long Term - Designed to provide benefits for at least five years, until age 65 or for a lifetime.
Like Health Insurance, Disability Insurance is provided in terms of group or individual policies. Group plans usually pay a fixed total amount at about 60 percent of original income and are sometimes integrated with Social Security benefits. Supplemental plans can boost that percentage up to 70% or 80%.
Individual policies vary widely in form and can be customized to your specific need. Your iQuote local insurance expert will be able to design a policy that meets your needs.
There are two types of Disability Insurance:
Short Term - Provides benefits for up to two years.
Long Term - Designed to provide benefits for at least five years, until age 65 or for a lifetime.
Like Health Insurance, Disability Insurance is provided in terms of group or individual policies. Group plans usually pay a fixed total amount at about 60 percent of original income and are sometimes integrated with Social Security benefits. Supplemental plans can boost that percentage up to 70% or 80%.
Individual policies vary widely in form and can be customized to your specific need. Your iQuote local insurance expert will be able to design a policy that meets your needs.
Friday, June 25, 2010
Understanding NJ Health Insurance
Navigating the complex and layered world of Health Insurance can be an intimidating experience. Industry-specific terminology, in and out of network options and changing federal law make it even more difficult to understand your own Health Insurance needs.
Options available to individuals who may not have health benefits through their jobs can be overwhelming and purchasing a simple catastrophic Health Insurance policy is just not enough for most people. There are an almost infinite number of options, each with its own benefits and drawbacks that include:
Individual plans
Group plans
Managed care plans
Medicare and Medicaid
Supplemental, and
COBRA for laid-off employees
Finding the kind of Health Insurance you need requires an understanding of what you and your family need, federal law, state law and all the specifics of the insurance industry.
This is why you need an agent or agency who knows you, your needs, your area and will discuss what Healthcare Insurance options are right for you. iQuote will help you find an agent tailored to you.
Options available to individuals who may not have health benefits through their jobs can be overwhelming and purchasing a simple catastrophic Health Insurance policy is just not enough for most people. There are an almost infinite number of options, each with its own benefits and drawbacks that include:
Individual plans
Group plans
Managed care plans
Medicare and Medicaid
Supplemental, and
COBRA for laid-off employees
Finding the kind of Health Insurance you need requires an understanding of what you and your family need, federal law, state law and all the specifics of the insurance industry.
This is why you need an agent or agency who knows you, your needs, your area and will discuss what Healthcare Insurance options are right for you. iQuote will help you find an agent tailored to you.
Monday, June 14, 2010
Understanding Life Insurance
Understanding Life Insurance
The classic question about Life Insurance is "why do I need insurance if I'm dead?" The answer, of course, is that as a responsible person, you want to protect your family financially after you're gone. With that in mind, there are a variety of factors to consider when purchasing a Life Insurance policy including age, health and lifestyle as well as a variety of insurance types.
There are basically two types of Life Insurance – Term Life and several variations on Whole Life. There are a wide variety of options under these umbrellas including:
•20 year level term
•30 year level term
•High risk life insurance
•Low cost life insurance
•Annual renewable term
•Universal Life
•Guaranteed Universal Life
Your New Jersey Life Insurance agent will be able to provide a clear and understandable life insurance comparison of term vs. whole life insurance so you can find the most afforable life insurance for you.
Term Life
Term Life is among the most basic types of insurance and offers some of the most reasonable Term Life rates. A term policy is one you purchase for a price that pays out a specific amount to whomever you designate at a specific date or event, your death. This type of policy protects your family by providing a single payout to cover the expense of your funeral and possibly replace income after you've gone. Typically, a term insurance policy expires after a specific amount of time.
Whole Life
A Whole Life policy builds a savings account over time that you are allowed access to over the course of your life. As long as you keep paying your premiums on time, your rate will never change and your policy will not expire. Designed to be a stable and reliable investment, a Whole Life policy usually pays dividends you can use to lower your payments and offers tax-deferred accumulation.
Variable Life
A Variable Life policy follows a more aggressive strategy. Like Whole Life, it grows a savings account as you pay your premiums. It is designed to provide your beneficiaries a payout upon your death, but the final value of the account may vary based on the returns of the account.
Universal Life
Like Whole and Variable Life policies, a Universal Life Insurance policy allows you to grow a low-risk savings account with every premium you pay, but unlike the previous types, it also allows you flexibility in terms of the things that account is invested in. This provides the comfort of flexibility, but also a certain amount of unpredictability some buyers are not willing to take on.
The classic question about Life Insurance is "why do I need insurance if I'm dead?" The answer, of course, is that as a responsible person, you want to protect your family financially after you're gone. With that in mind, there are a variety of factors to consider when purchasing a Life Insurance policy including age, health and lifestyle as well as a variety of insurance types.
There are basically two types of Life Insurance – Term Life and several variations on Whole Life. There are a wide variety of options under these umbrellas including:
•20 year level term
•30 year level term
•High risk life insurance
•Low cost life insurance
•Annual renewable term
•Universal Life
•Guaranteed Universal Life
Your New Jersey Life Insurance agent will be able to provide a clear and understandable life insurance comparison of term vs. whole life insurance so you can find the most afforable life insurance for you.
Term Life
Term Life is among the most basic types of insurance and offers some of the most reasonable Term Life rates. A term policy is one you purchase for a price that pays out a specific amount to whomever you designate at a specific date or event, your death. This type of policy protects your family by providing a single payout to cover the expense of your funeral and possibly replace income after you've gone. Typically, a term insurance policy expires after a specific amount of time.
Whole Life
A Whole Life policy builds a savings account over time that you are allowed access to over the course of your life. As long as you keep paying your premiums on time, your rate will never change and your policy will not expire. Designed to be a stable and reliable investment, a Whole Life policy usually pays dividends you can use to lower your payments and offers tax-deferred accumulation.
Variable Life
A Variable Life policy follows a more aggressive strategy. Like Whole Life, it grows a savings account as you pay your premiums. It is designed to provide your beneficiaries a payout upon your death, but the final value of the account may vary based on the returns of the account.
Universal Life
Like Whole and Variable Life policies, a Universal Life Insurance policy allows you to grow a low-risk savings account with every premium you pay, but unlike the previous types, it also allows you flexibility in terms of the things that account is invested in. This provides the comfort of flexibility, but also a certain amount of unpredictability some buyers are not willing to take on.
Friday, June 11, 2010
New Jersey Insurance Quotes From Real Agents
Find the Right NJ Insurance Agent and the Right Insurance Quote online iQuote connects you with the right agent for you and the insurance you need. Whether you are looking for affordable:
•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
•New Jersey Disability Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.
Just tell us:
•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.
So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.
You won't be contacted by every agent on the Web
iQuote helps you locate a local insurance expert in New Jersey. We also protect your information. When you search for a insurance quote online with iQuote, you’ll hear from one New Jersey Insurance Agent who knows you and your area.
You tell us what you need. You choose how you'd like to be contacted. We find your local expert.
•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
•New Jersey Disability Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.
Just tell us:
•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.
So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.
You won't be contacted by every agent on the Web
iQuote helps you locate a local insurance expert in New Jersey. We also protect your information. When you search for a insurance quote online with iQuote, you’ll hear from one New Jersey Insurance Agent who knows you and your area.
You tell us what you need. You choose how you'd like to be contacted. We find your local expert.
Thursday, June 10, 2010
NJ Insurance Agents
Why iQuoteNetwork is a trusted source for fast insurance quotes.
Savings and ValueWe offer real value for quoting insurance policies — the right price for the right protection combined with the right service. We don't sacrifice quality or service to provide great rates — by dealing directly with real agents you save both time and money.
Secure InformationRest assured that we protect your privacy. Under no circumstances will iQuoteNetwork sell or share any personal information about you to or with any person or organization except, as authorized by you.
Real Agents. Real-time Quotes.Consumers complete one simple and secure online questionaire, iQuoteNetwork matches their application with the right agents, and within minutes the agent receives the insurance request. We connect qualified professional agents within your NJ state area to the type of insurance you need.
"What I liked about the experience was that I was immediately provided with my local Agent information after I answered some simple questions. They even contacted me quickly just as I had requested. It was simple and personal."
— David Leone, Point Pleasant, NJ
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