Insurance-companies Sentence Examples
In 1832 the fire insurance companies united to maintain a small fire brigade, and continued to do so until 1866.
The cost of maintenance exceeds £200,000 annually; contributions towards this are made by the Treasury and the fire insurance companies.
Corporations are reached through the general property tax, but there is a small levy on fire insurance companies for the support of the local fire departments.
There are no special corporation taxes, but licence-charges are levied upon express and sleeping-car companies, and a tax is laid on the premiums of insurance companies.
Insurance is another important business, for here are the headquarters of the Prudential, the Mutual Benefit Life and the American Fire, the Firemen's and the Newark Fire Insurance companies.
In 1906 the six fire insurance companies had an aggregate capital of more than $10,000,000; on the 1st January 1906 they reported assets of about $59,000,000 and an aggregate surplus of $30,000,000.
The life insurance companies have assets to the value of about $225,000,000.
The income of the state, counties and towns is derived mainly from taxes levied on real estate, on male polls between the ages of twenty-one and seventy, on stock in public funds, on stock in corporations that pay a dividend and are not subject to some special form of tax, on surplus capital in banks, on stock in trade, on live-stock, on railways, on telegraph and telephone lines, on savings banks and on the stock of fire insurance companies.
Such a portion of 75% of the tax on fire insurance companies is distributed among the several towns, in proportion to the amount of stock owned in each, as the amount of stock owned within the state bears to the whole amount of stock, and the remainder is reserved as a part of the state tax.
The state also derives an income from fees charged for chartering banks, railways, insurance companies and other corporations.
AdvertisementA feature in the mercantile life of Stettin is the large number of insurance companies which have their headquarters in the town.
The chief sources of the state's revenue are a general property tax and taxes on the franchises of corporations, especially those of railway and insurance companies and savings banks; among the smaller sources are licences or fees, a poll tax, and a collateral inheritance tax.
The tables which he drew up from information obtained from all the presbyteries of Scotland were based on a system of actuarial calculation that supplied a precedent followed by insurance companies in modern times for reckoning averages of longevity.
It is a regime of " big players " including banks, securities firms, insurance companies and many large corporates with corporate treasuries.
Schemes of Arrangement have been used to bring finality to 69 insurance companies run-offs, of which PricewaterhouseCoopers have been involved with 58.
AdvertisementTo improve their profit margins, Insurance Companies began to establish their own fire brigades.
That would not just fill out exactly indigent some insurance companies.
Most insurance companies would prefer a five-lever mortice dead lock (BS3621) on all doors and key operated locks on all windows.
Life insurance companies often do not tell policyholders they can sell the policy on the open market, rather than cashing in.
A Salvage Corps is independently maintained by the Insurance Companies.
AdvertisementChosen in 1905 as a member of a committee of three to act as trustees of the majority of the stock of the Equitable Life Assurance Company, he promoted the reorganization and the mutualization of that company, and acted as rebate referee for it and for the Mutual and New York Life insurance companies.
There are many pet health insurance companies and a staggering array of policies from which to choose.
Having said that the rejection figures from the insurance companies do vary, so it may be that some are more stringent than others.
It is probably wise to avoid driving for at least four weeks; insurance companies may be unhappy should a problem arise earlier.
Begin comparing rates from different insurance companies for insurance plans.
AdvertisementThis is important since many insurance companies charge wildly different rates for very similar plans.
Below you'll find links to the official Web sites of some of America's most reputable and popular insurance companies.
When talking to reps at insurance companies about disability, be sure to find out the maximum amount of monthly benefits.
Keep in mind, however, that some dental insurance companies will not cover major dental work.
Many dental insurance companies only cover services provided by network or participating dentists.
Everyone from banks and other financial institutions to insurance companies and employers use this score to pass judgment on you.
Certain insurance companies will also reimburse a portion of the visit if homeopathy isn't specifically covered under your plan.
In fact, some insurance companies offer additional driver safety instructional booklets and videos.
Many health insurance companies and workplaces also provide cessation programs.
Health insurance companies want to see you smoke free because it lowers your risk of developing costly diseases such as lung cancer or heart disease.
Since many of these health insurance companies do not pay all prescription medication costs and you may fall into the Medigap, which means you will have to pay for your medication in full.
You are no longer in the prime age bracket and you may have medical issues that make health insurance companies leary of insuring you, never mind giving you affordable deductibles and co-pays.
The good news is that there is health coverage especially for senior citizens; these health insurance companies understand that sometimes things happen and you are no longer able to afford the health insurance you once had.
If you do not have success with these two options, it's time to contact some health insurance companies.
The Great American Life Insurance Company, its largest subsidiary, is ranked in the top 12 percent of stock insurance companies.
Unfortunately, some insurance companies are just after the money and not the policy-and the agents often target senior citizens.
Medigap insurance plans are provided by private insurance companies and their costs vary based on the company and specific plan.
There are federal regulations requiring insurance companies selling standard Medigap policies to provide the same benefits from state to state.
Medicare Advantage plans are purchased through private insurance companies.
You can search multiple insurance companies at once and find the perfect policy to fit your needs without the hassle of calling insurance brokers and listening to lengthy sales talk.
BenePath is a similar website in that it gives you a list of health insurance companies and allows you to see quotes for plans.
Again, the Internet is a beneficial tool when searching for life insurance companies that have policies you need at a low rate.
American Term asks you questions about what type of policy you are seeking and then lists life insurance companies that have policies that fit your needs.
There are so many insurance companies and different policies at different prices.
However, there are insurance companies that offer life insurance policies specifically for senior citizens.
Senior citizens who have this plan as their health care plan choose their health insurance coverage from private insurance companies.
Medicare recipients pay a monthly premium for this coverage which is provided by Medicare approved private insurance companies.
A monthly premium is charged for this portion of the plan which is provided by private insurance companies.
Insurance coverage known as Medigap health insurance is offered by private insurance companies to supplement Medicare.
The policies offered by the insurance companies are standardized and the companies themselves are regulated by the federal government.
As insurance companies begin to realize the importance of preventive health care programs for seniors, more people will reap the benefits by living healthier and happier lives.
Private insurance companies offer Medigap health insurance plans.
It is important to get rate quotes from several different insurance companies when looking for low-cost term life insurance.
There are many insurance companies that require a physical exam before you will be approved for term life insurance.
However, there are also life insurance companies that do not require a physical examination in order to qualify for a term life insurance policy.
Do not make the mistake of thinking that all insurance companies charge the same rates for the same amount of coverage.
There are many websites that provide a free rate quote tool that allows you to receive term life insurance quotes from multiple insurance companies that are well known and reputable.
Once you decide on the amount of the insurance and the term of the policy, compare rate quotes for term life insurance from multiple insurance companies before purchasing a policy.
Some medical insurance companies consider the oral appliances to be experimental, in spite of the fact that many of the devices have been approved by the Food and Drug Administration (FDA).
Some insurance companies consider sleep dentistry to be experimental and they do not pay for dental treatments for sleep apnea.
Some health insurance companies have replacement reimbursement schedules that differ, so it is important to contact your health insurance provider for details.
Since implantable lenses are still being investigated, the surgery is elective and not covered by most insurance companies.
Your insurance company may also pick up a part of the cost--or all if it if you have a great plan (although most insurance companies only spring for the basic frames and you will end up having to pay the difference).
Hopper passes are also available through local hotels, motels and travel agencies, as well as certain insurance companies such as AAA.
The majority of health insurance companies do cover a portion, if not all, of the tests' costs.
The National Institutes of Health (NIH) estimates that atopic dermatitis costs U.S. health insurance companies more than $1 billion every year.
Legal nurses provide expert testimony and analysis of cases for attorneys and insurance companies.
Yet another area of employment for legal nurse consults is at insurance companies.
Major insurance companies may need a legal nurse consultant on staff to review pending cases, analyze facts, and organize the cases.
Financial discrimination - Mortgage lenders and insurance companies can not discriminate by refusing to sell their loans and policies to non-white buyers or by charging higher rates in non-white areas.
As long as they are under a certain age (often 18 or 21, if still in college) and can be claimed as a dependent, insurance companies may cover a portion of the costs.
In fact, many insurance companies reimburse families who attend a certain number of classes.
Individual policies are available through many insurance companies.
Independent agents sell plans from several insurance companies.
Some individual health insurance companies offer an option to add services like maternity coverage for an extra fee.
Most insurance companies do not cover the costs of infertility treatments, leaving the couple to pay out of pocket.
A number of states are passing laws that require insurance companies to offer coverage and some companies will pay for a part of the costs, but couples should expect to lay out some of their own money.
Most insurance companies will not cover the numerous expenses associated with hormonal and/or surgical gender modifications.
Although many insurance companies cover prenatal care, labor, and delivery, you might still be left with huge bills if you have a large deductible or co-payment.
Some insurance companies might not cover maternity benefits at all.
Many insurance companies have a waiting period.
Pregnancy may also be considered a pre-existing condition to some insurance companies.
If you don't have insurance through an employer, talk to an agent at any of the major insurance companies about getting coverage before you conceive.
Most insurance companies give you a few weeks after a birth to have your child added to your policy, but you will need to make sure you can get this taken care of quickly after the birth.
Many insurance companies have stipulations regarding your choice of doctors.
There is also a cost-saving program, where members receive discounts from partner businesses, such as banks, office supply providers, insurance companies and communication companies.
Not all insurance companies offer policies for jewelry.
Here is where the responsibilities of the medical insurance companies become blurred.
Arizona residents can take a sigh of relief because this state requires insurance companies to cover some treatments for autistic disorders (Steven's Law).
The insurance companies will only cover approaches that have scientific backing, which can make selecting the type of approach quite simple.
Whether it's just you and a secretary, or if you have an office full of employees, determining the best options for insurance companies is a process that can't be ignored.
There are an incredible number of insurance companies ready to serve the need- of small businesses.
To generate an accurate quote, insurance companies require the names, gender, ages, education, occupation, driver's license number, marital status, contact information for all of the vehicle's drivers, and desired amounts of coverage.
Over the years, the insurance companies have analyzed the age, marital status, and other information about drivers involved in accidents to help them identify the groups that are more likely to have accidents.
Here again, insurance companies have statistics guiding them about the chances of an accident occurring in the zip code where the vehicle remains when not in use as well as the frequency and length of the vehicle's use.
Many car insurance companies provide discounts to loyal and repeat customers, but you might have to ask about them.
A good starting point is an online service that will compare rates at popular insurance companies for you.
Rather than wait for lawsuits to assign blame, the insurance companies are required to pay up to $50,000 toward medical expenses regardless of who caused the accident.
Since not all insurance companies offer this discount, you could end up taking, and paying for, the class without seeing any discount.
The idea was so popular, other insurance companies soon followed suit.
Most insurance companies charge higher premiums to cover smokers.
Many car insurance companies claim that you can save money using their site and that may be true since it is so easy to compare insurance rates through the web.
Most large insurance companies like Geico, Progressive, and State Farm offer their own online forms that give you quotes directly from their company.
They then take your information and develop quotes from several insurance companies.
The concept of purchasing insurance over the Internet caught on in the late 1990s with the success of car insurance companies selling policies online.
However, not all online insurance companies are created equal.
Most insurance companies now have free quote features on the company website.
Many car insurance companies will give you a discount to switch to their product.
Progressive has become one of the leading car insurance companies in the nation.
Some insurance companies offer policies specifically to consumers who want to pay low rates while staying legal.
Today, Nationwide Insurance is one of the largest insurance companies in the world, with over $157 billion in assets.
There are dozens of car insurance companies operating across the nation.
Medicare supplemental is a health insurance policy sold by private insurance companies and agents.
There are currently ten standardized Medicare supplemental policies, or Medigap plans, that can be purchased from private insurance companies and agents.
Though the plans are standardized, and will be the same no matter who you purchase them from, insurance companies are allowed to set the cost for coverage and costs may vary greatly.
There are many other types of plans available to individuals from insurance companies and plan sponsors (employers).
Investigating and comparing different insurance companies like Mercury Insurance can help make finding the right company for you easier than ever.
There are many insurance companies and agents that offer affordable health insurance plans.
By concentrating on preventative care measures, insurance companies and the people they cover save billions of dollars in dental care costs each decade.
Many insurance companies now offer free quotes for insurance coverage.
Plenty of health insurance companies offer medical insurance throughout the state of California.
While HCFA oversees the program, private health insurance companies administer the plan.
To assist our readers, we have researched insurance companies and online auto insurance quotes carefully.
Established in 1907, Protective Life Insurance is thought to be one of the nation's leading insurance companies and provides more than $140.9 billion in insurance coverage to individuals and families in the United States.
Over the years, the club has evolved into AAA Insurance and is now one of the most recognized and respected insurance companies in the nation.
Progressive.com offers online quotes that give you a price for a Progressive policy, as well as policy costs for several other leading insurance companies.
Insure.com works with more than 200 different insurance companies and can provide you with instant online insurance quotes.
Many insurance companies offer multi-policy insurance discounts.
To purchase an insurance policy, you will need to contact one of the many auto insurance companies or insurance brokers.
There are currently hundreds of insurance companies in the United States alone.
They may be able to offer you references or a list of insurance companies to stay away from.
Try to contact at least three or four insurance companies for a quote.
Many car insurance companies offer a multitude of discounts to those who are looking for them.
When AARP decided to offer a life insurance program to their members, they considered proposals from a number of insurance companies.
Whether traveling once a year or taking multiple holidays, UK Travel Insurance companies offer policies tailored to your needs.
If you decide there is too much risk in traveling and want to find a policy to protect your holiday, there is a multitude of UK Travel Insurance companies that you can choose from.
Founded in 1810, Hartford Insurance is one of the largest insurance companies in the United States.
Auto insurance rates vary by up to several hundred dollars a year, or more, for similar coverage provided by different insurance companies.
With the advent of online auto insurance quotes, insurance companies are more competitive than ever with their pricing.
Drivers may compare many auto insurance companies at their convenience and save even more if they purchase a policy online.
While you cannot change a number of factors, such as age and driving history, you can work with insurance companies that provide more savings and fewer penalties.
These services allow individuals to simultaneously compare rates from various insurance companies.
Different auto insurance companies offer different forms of coverage and different insurance rates.
Before signing up for a policy, consumers should always check with several insurance companies to see if there are any discounts available to them.
Not all insurance companies offer fire insurance in every state.
When the necessary information has been entered, you will receive quotes from several competing insurance companies.
These health plans are generally available from employers or through independent insurance companies.
Most vet insurance companies require an annual check-up and vaccinations to remain covered.
Many insurance companies cover the full the cost of your trip.
Simple travel insurance companies offer you everything for a low fee versus a company where you have to pick and choose what coverage you want.
Websites are available for individual insurance companies, and also for companies which specialize in comparing several different insurance companies at once.
People with current insurance coverage for cars should make it a habit to periodically review what insurance rates are being offered by the various UK auto insurance companies.
Some UK auto insurance companies offer substantial discounts to customers who cover more than one car through their company, or who carry additional insurance coverage for home, life, or health through the same company.
When you request an immediate insurance quote, insurance companies will ask you which insurance limits you would like to carry.
Dental insurance policies can be applied for at work or many insurance companies allow you to apply for policies online.
Many insurance companies will pay for part of these orthodontia services, but you may have to wait for up to a year for reimbursement.
Some dental insurance companies require co-payments at the time of service.
Dental insurance can either be acquired through your current employer or if you are self employed, through insurance companies that offer policies online.
Since things change rapidly in the insurance industry, individuals who work for insurance companies must keep abreast of the latest changes, especially individual state laws.
The Ohio Insurance Board offers continuing education courses to keep its members at the cutting edge of changes that affect individual insurance companies and their policyholders.
The Ohio Board of Insurance has a history of advocacy on behalf of insurance companies within the state.
Examples of people that are advocates and lobbyists include individuals working in workers compensation, Social Security disability, medical insurance boards or managers from car insurance companies.
The board determines which insurance companies will do insurance business in the state, as well as creating the bylaws under which insurance companies and their agents will work.
Some insurance companies will require appraisals for the vehicle prior to issuing an insurance policy.
Additionally, some insurance companies will request photos of the vehicle to keep on file.
Many auto insurance companies have the capability to provide insurance for classic cars, so checking with your current insurer is a viable option.
Classic Car Insurance Directory This website lists several classic car insurance companies for potential applicants to choose from.
Some insurance companies request additional information, but the process of obtaining competitive quotes on flood insurance is generally quite simple.
Many well-known insurance companies issue flood insurance policies.
Not all insurance companies offer flood insurance in every area, and the cost of flood insurance will certainly be higher in areas that are considered high-risk.
Several reputable insurance companies allow applicants to request a quote for yacht insurance online using a simple form.
Plenty of other insurance companies offer adequate coverage for yachts.
The broker's job is to find the very best coverage with the lowest insurance rates among all the available yacht insurance companies.
This can be a fast and simple way to scour the many yacht insurance companies available to find the very best coverage available at the lowest price.
A good portion of the home warranty insurance companies who advertise online accept applications for coverage from homeowners in rural areas.
An actuary is a highly trained professional statistician who calculates risks and premiums for insurance companies.
Disability insurance is offered by several major insurance companies and by a host of much smaller companies.
For people who want to buy a single payment whole life insurance plan, but can't afford the one-time payment, some insurance companies offer installment plans.
Instead, some insurance companies include war exclusions in their policies because they do not want to be financially responsible if a large-scale bombing wipes out an entire marina of yachts and other ships.
If the yacht is damaged while being seized by the Coast Guard or another legal authority, insurance companies will usually not pay for the repairs.
These damages are usually not covered by insurance companies They can, however, in some cases be handled by a warranty company.
Some insurance companies limit the areas in which the coverage is valid, and if damage occurs while the yacht is in unprotected waters then the insurance company is not liable for the cost of the repairs.
With so many insurance companies to choose from, it can be difficult to find an affordable car insurance quote.
Fortunately, there are websites available that will help you find the best rate; even some of the insurance companies themselves are getting into the comparison shopping business.
There are many insurance companies offering professional liability products to a host of professions, including real estate brokers.
Several reputable insurance companies provide quality professional liability insurance to nurses.
Plenty of insurance companies provide adequate insurance coverage to churches within California.
There are many different insurance companies which offer policies to churches within California, and taking the time to research the best options is a smart idea.
Under Colorado law, insurance companies are required to provide fair and accurate insurance claim investigations and promptly pay any money due to the claimant.
For this reason, people naturally assume that most insurance companies will fairly assess a claim and quickly settle for the amount due to the person filing the claim.
Plenty of insurance companies do business in Texas, supplying quality dental coverage to residents throughout the state.
Not surprisingly, insurance companies like Cigna are reporting strong profit outlooks for 2007.
Several states carry legislation which prohibits health insurance companies from increasing premiums without the consent of the state government.
Here is a brief listing of insurance companies offering home insurance for both owners and renters within Ireland.
Check with individual insurance companies if you think you may have a factor that might affect your insurability.
Citizens Property Insurance Corporation is one of the few insurance companies accepting new customers for property and casualty homeowner's insurance in this area.
The insurance industry views Progressive Insurance as a model for other insurance companies of how a company can successfully be built with a focus on customer service.
These brokers sold a variety of car insurance policies from various insurance companies.
Most insurance companies can afford to repair a few homes damaged by a fire.
This is certainly not an exhaustive listing of insurance companies offering professional liability insurance to financial services employees.
Plenty of other insurance companies offer first-rate coverage conducive to the needs of investment advisers, portfolio managers, and other financial professionals.
If your business has less than 199 employees then it is generally considered to be a small business, although many insurance companies classify small business as those which have between 2-50 employees.
For example, insurance companies cannot deny coverage to a small business in Ohio based solely on the number of employees within the business.
Ohio law also prohibits health insurance companies from cancelling the policy for a small business based on a health issue with one of the employees covered by the policy.
This company is one of the more respected and recognized health insurance companies within the United States in addition to serving some international markets.
Life insurance companies also vary greatly in the products they offer and the amount of money they charge for policies, so it's important to do some comparison shopping if you're in the market for a term life insurance policy.
Life insurance companies utilize various methods to decide what life insurance premiums to charge applicants.
There are countless other insurance companies that offer adequate term life policies.
There are several factors that insurance companies consider when figuring out the cost of premiums on a homeowners insurance policy.
The insurance companies that partner with AAA have methods to check the accuracy of an application for coverage, so do not attempt to hide the fact that you have made homeowners insurance claims in the past.
If you wait too long, insurance companies may consider you to be too high a risk, and even if you qualify the premiums can be prohibitive.
Guardian Life Insurance Company of America is highly ranked among the largest mutual life insurance companies.
There are many other insurance companies offering insurance for backpackers in the UK.
Often, insurance companies offer joint coverage to create a complete package policy including fire coverage and additional coverage like an endorsement for earthquake loss.
People searching for dental insurance with no waiting period will quickly realize that there is no shortage of insurance companies offering this product.
The Internet has a wide variety of insurance companies offering dental insurance no waiting period plans.
This is a brief listing of insurance companies offering dental plans without any waiting period.
Taking time to shop around and get quotes from different insurance companies will often pay off in real dollars.
There are two methods offered by insurance companies to pay claims.
Some insurance companies will refund only the base premium, while others return the entire amount.
It evaluates United States and Canadian insurance companies every year for financial strength and stability, and assigns a rating from ""A++"" to "D".
This is a very brief listing, as there are many other insurance companies that offer group health insurance within the state of Florida.
The drawback is that some health insurance brokers in Florida limit their offerings to a few health insurance companies.
Employees can apply for individual policies offered through insurance companies.
Standard and preferred insurance companies would not even consider insuring most of Titan's customers.
Also called the Medicare Advantage Plan, Medicare Part C is designed to enable private health insurance companies to offer health coverage to Medicare beneficiaries.
All quotes are free and from reputable insurance companies.
With that, they get a quote from several insurance companies for you to compare.
The best way to get the affordable prices is to get quotes from insurance companies of several types of policies to compare costs, coverage and functionality.
Most health insurance companies require a physical for covered patients.
Here are a few companies that offer quotes right online from several insurance companies.
These are health insurance brokers; they offer free quotes from several health insurance companies.
Not all insurance companies offer every type of homeowners insurance, and some companies only offer policies within certain geographic locations.
Keep in mind that the policies offered by insurance companies vary from one insurer to another.
Different insurance companies offer different policies at varying costs and availability.
Private health insurance companies insure people who do not have health insurance through their employers or through other means.
The surprise is that some people decline employer-sponsored health insurance plans and instead turn to individual policies from insurance companies who cater to individual policyholders.
Some people have no choice but to purchase a policy through private health insurance companies because they do not have an employer-sponsored policy available to them.
Sometimes people who have an employer-sponsored program choose to decline the coverage offered through work and instead purchase an individual plan through one of the many private insurance companies.
It's a good idea to use a website that will allow you to compare several different health insurance companies so you can find out what is available to you and at what cost.
Websites like eHealthInsurance can offer preliminary quotes from several private insurance companies all at once, allowing you to compare between the options to find the best coverage at the lowest price.
Private insurance companies need more information than geographic location, gender, and age before they can issue a health insurance policy.
This is merely a brief listing of private health insurance companies.
Every state has their own rules and regulations with regards to how insurance companies can operate and what coverage they can offer within the boundaries of the state.
Since 1917, the company was named "The Guardian Life Insurance Company of America," and today it stands as one of the largest mutual life insurance companies in the country.
Most major health insurance companies have policy options that include coverage for alternative medicine.
The truth is, insurance companies use an exhaustive list of factors when they analyze the level of liability a person represents.
Most insurance companies offer discounted rates if you simply install a car alarm system.
In order to reduce the risk of financial loss, insurance companies increase car insurance rates for teenagers.
In effect, the State of Ohio has mandated that insurance companies cover any Ohio resident willing to pay.
State Farm has been providing protection to homeowners for decades, and is widely recognized as one of the leading insurance companies for this type of coverage, as well as for several other kinds of insurance policies.
Western General does that by offering its insurance products to insurers throughout the country, but it also does it by allowing customers more online functionality than some other insurance companies.
Western General is one of the most well established insurance companies in the country.
This company does not issue actual insurance policies but instead works on behalf of a wide variety of insurance companies.
Many other insurance companies operate under the name First National Insurance, and are not necessarily involved with the same company that no longer assists.
Not all insurance companies are created equally, and once in a while there are insurers who operate contrary to what is best for the customers they serve.
It is one of the largest life insurance companies in the United States and has over $41 billion in assets.
Many insurance companies offer additional or fewer varieties of whole life insurance products.
Some insurance companies will sell you a policy with a provision that your first accident is "forgiven" and won't affect your rates, but not all drivers have this type of coverage in place.
Why is it important to know the top rated auto insurance companies in United States?
There is not one definitive rating company or department that is solely responsible for designating the top rated auto insurance companies in United States.
Auto insurance companies consistently ranking high in several different areas are considered to be at the top of the list for best companies.
If you are looking for the highest rated car insurance companies based on consumer opinion, this is a reliable source.
These sites often offer a list of the most highly ranked auto insurance companies within the state.
Ocassionally, respected newspapers and websites will compile a list of the most highly rated car insurance companies within the United States based on varying criteria.
Highly rated insurance companies are generally considered as safe choices for consumers looking to insure an automobile.
Although ratings change depending on a variety of fluctuating factors, there are some auto insurance companies consistently rank high when compared to other car insurance companies.
It's not difficult to see why insurance companies aren't jumping over themselves to offer teens good deals.
When car insurance companies calculate the premiums that a driver must pay, drivers are placed within a "risk bracket," and age is one of the biggest factors that the company takes into account.
If your own insurance company doesn't offer rates that seem fair, don't be afraid to contact other insurance companies and offer them your business (with both auto, home and your other insurance needs).
The issue of government ratings on insurance companies can be confusing for consumers and potentially controversial in some instances.
The NAIC does provide a consumer information website called InsureU to promote consumer education about insurance companies.
This website offers a "Consumer Information Source," which lets you search online for complaints and financial information about specific insurance companies.
This is because, for the most part, rating insurance companies is left to the major private insurance ratings firms - A.M. Best, Fitch Ratings, Moody's Investors Service, Standard & Poor and Wiess.
Rating scales varied quite a bit from agency to agency because there is no common "grading system" for insurance companies.
Weiss and Moody were more willing to score insurance companies lower on the scale.
Almost every state offers consumers an information section that researches and compares insurance companies.
Some insurance companies will also take the extra step of providing the customer with rates from their competitors for comparison purposes.
Stonebridge Life is one of the AEGON Companies, one of the largest groups of insurance companies in the world.
You may think that if you are a bad driver insurance companies will not agree to cover you.
Even if your teen is usually a very safe driver, insurance companies simply cannot ignore the alarming statistics that point to an increased chance of automobile collisions among teenagers.
Regardless of this, however, insurance companies must base policy premiums not only on the individual teen but also on the historical statistical data presented by reliable sources.
Some insurance companies may offer lower premiums than others.
Most seventeen year old drivers do not have a long driving history, and this makes potential auto insurance companies nervous.
Some insurance companies won't insure drivers of certain ages, so this can make the process of finding adequate coverage frustrating.
Most insurance companies will charge less for a seventeen year old added to an existing policy as opposed to an entirely new policy solely for the teen.
Not all insurance companies offer car insurance to people who fall into this age group.
Use an insurance broker or take the time yourself to contact several insurance companies to find out where you can get the best deal.
One of Colonial Penn's claims to fame is the fact that this company was one of the first life insurance companies to offer guaranteed acceptance life insurance policies for people over the age of 50.
The company has a large base of policyholders who fall into the category of over 50 years old who perhaps might be considered uninsurable by other life insurance companies.
Colonial Penn will accept applicants who may have been turned away by other life insurance companies.
It is one of the largest insurance companies in the United States.
Unlike other insurance companies that represent physicians, Medicus doesn't start settlement discussions without the consent of the insured.
MetLife Dental Insurance benefits are offered by MetLife, Inc., one of America's leading insurance companies.
Car insurance companies do not pay claims that are under the amount of the policy's deductible.
Most insurance companies offer insurance calculators on their websites that will allow you to take a look at how much of a car insurance deductible you should consider accepting when purchasing your policy.
No load life insurance allows individuals to pay for life insurance without the annual fees required by some insurance companies or with greatly reduced fees.
In fact, some insurance companies will void your homeowner's policy if not informed you are running a business out of your home.
If you're browsing insurance companies for your motorcycle, why not take a look at Geico motorcycle insurance?
Coventry offers health insurance from several insurance companies as well as their own insurance product CoventryOne.
There a variety of plans available through both regional health plans as well as nationwide insurance companies offering PPO and HMO plans.
Health insurance companies base the cost of medical coverage on several factors.
A number of different lines of insurance are available through property and casualty insurance companies.
The full list of homeowners insurance companies can seem intimidating when looking for a new provider.
Power annual homeowner's survey also provides service ratings on all of the major homeowners insurance companies.
Be sure you do your homework before you jump in and start contacting insurance companies for homeowners insurance quotes.
Most insurance companies will provide insurance quotes on the phone either through their in-house sales area or through their local agent.
Now that the vast majority of renters insurance companies allow potential customers to not only obtain renters insurance online quotes using the Internet but to also purchase policies online.
To obtain a renters insurance quote, visit the website for several insurance companies offering renters insurance.
Another option is to go through a website that is designed to submit quotes to several renters insurance companies at once.
Renters insurance companies generally keep their online quote questionnaires simple, but if you run into problems or need additional assistance with your quote request, you should contact an insurance representative directly.
Flexibility under government health care would likely suffer, since many private insurance companies would lose customers as a result.
Federal investigations by the CPSC, legal action underway and claims decisions by insurance companies can all play a role in how homeowners will -or will not- be compensated for their Chinese drywall problems.
Health insurance companies expect fewer claims from healthy nonsmokers who maintain an ideal weight than they do from people with health problems, or factors (smoking, weight) that can predict future health problems.
Not all health insurance companies sell individual policies, but those that do will often provide the prospective customer the opportunity to pick and choose among available coverage to create an affordable policy.
Plenty of insurance companies offer individual policies.
Not all insurance companies offer short term health policies.
They do this by having a working relationship with a variety of insurance companies as well as the capability to send out a request for coverage en masse.
Another option is to utilize one of the many websites available that act as insurance brokers without charging a fee; they receive their revenue from the insurance companies and through advertising.
You should also keep in mind that the results you receive from a broker may not include the least expensive coverage, since the broker is limited to affiliate insurance companies.
Compare the costs and coverage offered by several insurance companies before purchasing a short term health coverage policy.
When it comes to these and other important questions, some health insurance companies stand out among the rest.
There are a number of methods for rating health insurance companies.
Most of the larger health insurance companies have the capability of creating health insurance policies based on the needs of the policyholder.
Quotes offered online by other insurance companies are never final until they go through the underwriting process, so by utilizing quick contact telephone numbers and emails for their agents you're able to skip entering information online.
Online insurance companies which request information and offer quotes will require you to provide the information again if you pass the underwriting process, but RLI skips this step.
If you want to find information regarding specific insurance companies offering long term health care insurance, a great starting point is the website for your preferred company.
When all members of the family are non-smokers and are not overweight, health insurance companies see them as less of a risk for costly medical claims.
Preexisting Conditions for Children - Effective September 2010, insurance companies cannot discriminate against children who have preexisting medical conditions.
Annual Limits - Starting in September 2010, insurance companies are restricted on how they apply annual limits on coverage.
Policy Cancellation - Starting in September 2010 Insurance companies cannot cancel policies of individuals who get sick.
Annual Limits - Starting in 2014 insurance companies are prohibited from using annual limits on coverage.
Sentry Insurance has assets of almost $10 billion and is rated A+ by A.M. Best, a company that measures the financial strength of insurance companies and their ability to pay claims.
Instead of being owned by stockholders, mutual insurance companies are collectively owned by the members.
No matter which site you utilize, most online calculators are very basic and more often than not they're only available as a way for insurance companies to attract new leads.
If you have a preexisting condition that will require costly dental procedures down the road, you may be denied by some insurance companies and will have to look for a plan that will cover your procedures.
Delta Dental provides insurance plans to individuals, as does MetLife, one of the nation's most popular insurance companies.
Compare the offerings of several insurance companies before deciding on one particular policy.
An independent broker has a relationship with several different insurance companies and he can help you find the best policy at the lowest cost that meets your needs.
Sometimes, the most imperative needs are taken care of by insurance companies that don't offer full dental plans.
Instead, they offer information on the basics of buying travel insurance, explanations of common terminology and types of travel insurance, and reviews of popular travel insurance companies.
For instance, if you have a backyard pool or trampoline, you have what insurance companies refer to as an attractive nuisance.
Different travel insurance companies will have different rates for the same level of coverage.
Today, Progressive offers a number of different products in the car insurance world and offers customer service features designed to set it apart from other car insurance companies.
Currently, Progressive is one of the largest auto insurance companies in the country.
Currently, the State Farm name is an umbrella for a number of different insurance companies and financial services.
Some pet insurance companies set deductibles for the year while others apply deductibles per incident (accident, illness, disease) or per veterinarian visit.
Pet insurance companies expect the pet owner to pay the vet for services rendered at the time they occur and subsequently file insurance claims with the company for reimbursement of the portion of the fees that are covered under the policy.
For this type of loss to be covered, the bank must buy specialized policies through private insurance companies.
Although American Fidelity has not been in business as long as some of the other insurance companies around, this company does have a solid history and impressive ratings.
American Fidelity frequently markets directly to employers and has been encouraging automatic insurance premium deductions from paychecks long before other insurance companies consider this a mainstream way to obtain insurance premiums.
Different insurance companies use their own criteria to evaluate an applicant for an insurance policy, and the cost of putting this protection in place can vary between providers.
Fortunately there are plenty of insurance companies specializing in graduate student health insurance plans.
They're like a cross between a bond and a retirement plan, except that only insurance companies issue -or underwrite- them.
Not all insurance companies provide this type of coverage, while those that do often have stringent standards as to what type of mental health care an insured person can receive.
These are insurance companies that the union or association endorses and which may offer a discount for members.
This is merely a brief list; be sure to research all of your options including options available from insurance companies you already do business with.
Companies offering malpractice insurance coverage don't set rates in the same way that car insurance companies do; the level of experience that a provider has doesn't play a large part in what the premium level will be.
Getting quotes from a number of insurance companies is the way to compare rates and find the best pricing.
Some insurance companies will offer a discount for buying coverage online.
Reinsurance refers to a type of insurance that commercial insurance companies take out to mitigate or spread risk.
For insurance companies that are publicly traded, this also smoothes out their earnings curve by preventing sudden losses from major claims.
Reinsurance is typically a commercial insurance product purchased by major insurance companies to offset risk, rather than a personal policy.
Reinsurance is an option that allows insurance companies to offer high-end insurance plans without the full amount of capital necessary to offer that much insurance.
Reinsurance is something that is needed by insurance companies so they can have more predictable profits over time.
You might be surprised to learn that many insurance companies work with reinsurers to make covering home, car, property, and other insurance plans possible.
Insurance companies like the ones listed below work with insurance companies to maximize profit and minimize that risk.
Their website explains their leadership in the field of reinsurance, their expertise in capital management, and their solutions for insurance companies.
Many people wonder about home and contents insurance companies in Australia when first buying a home.
The truth is, when it comes to home and contents insurance companies in Australia, as with almost anywhere else in the world, there are plenty of insurance options.
Fortunately, insurance companies offer different plans that give protection in different situations for your items.
Reinsurance Group of America can offer solutions to insurance companies interested in entering this market that is both low-risk and economical.
Annuities are products that are commonly offered by insurance companies.
All of the Axis Insurance companies have been rated as "A+" by Standard and Poor's.
Axis Reinsurance offers property and casualty reinsurance to various insurance companies worldwide.
Not only does it count the largest insurance companies in the world as its customers, but it also works with insurance providers who are doing business on a regional or local basis.
Most insurance companies that offer homeowners policies also have home contents insurance for tenants.
Many insurance companies offer online quotes, which can save you a lot of time and phone calls.
Its main purpose was to assist insurance companies with covering the long term expenses of worker's compensation and disability claims by purchasing reinsurance contracts with third parties.
Its largest shareholder is the famous investing guru and philanthropist Warren Buffett, and it's main product offering is reinsurance, which helps to protect other insurance companies from financial losses.
Generally speaking, insurance companies expect to pay out a certain amount of funds every year.
To start the process, look in the phone book, do an online search, and begin compiling numbers of insurance companies that provide insurance in Ohio.
You should approach the insurance companies with this information in hand in order to get some basic quotes.
Many major insurance companies such as Aetna, Anthem Blue Cross Blue Shield, Kaiser Permanente, and United Healthcare, to name a few, offer competitive health insurance rates to citizens of Virginia.
Individuals can also contact some of the more popular insurance companies and inquire about their all risk policies if they are offered.
The broker can provide information about available discounts from different insurance companies to help customers avoid overpaying for coverage.
One issue where the organization stepped in is by requiring car insurance companies to change their advertising to clarify claims of savings that are offeredwhen buyingtheir products.
There are private health insurance companies that will offer domestic partner coverage and you can search for them in the same way that you look for individual insurance.
Peace Net Kenya.org gives some options that allow you to compare quotes to see if the prices are right for you and your family for health insurance and other major insurance types from big insurance companies.
The eRentersInsurance website is a network of insurance companies offering renters insurance through one portal online.
Consumers have a few different options for finding the lowest price for coverage, including visiting the websites for several insurance companies and requesting quotes for coverage.
After submitting the request, you will receive quotes from any of the insurance companies within the eRenters Insurance network that can fulfill your request.
Websites like RentersInsurance.net and NetQuote.com both provide quotes from multiple insurance companies to help renters find the best coverage at the lowest price.
There are a number of circumstances where homeopathic treatment is covered by group health insurance companies.
Equipped with all the pertinent information, the insurance broker can then shop the application or file of the client to several insurance companies to find the best match.
The health insurance broker will then make suggestions based on your preferences and will narrow down the choices for insurance companies and their packages.
They provide clients with relevant information about different insurance companies and their products and services.
Usually, they represent a number of different car insurance companies.
Thus, instead of researching the different car insurance companies throughout your state, you can easily go to a broker and obtain as much information as needed about the variety of companies and all of the services that they offer.
He or she will then provide you with a listing of car insurance companies that match your criteria for car insurance.
Brokers have a great deal of knowledge regarding health insurance companies that offer group coverage within the state and also have the ability to negotiate with these companies in an attempt to get the lowest cost (yet adequate) coverage.
Chicago residents have many different insurance companies to choose from, most of which offer a variety of coverage policy options.
While some renters choose to utilize local insurance companies for this coverage, others obtain insurance from companies offering coverage throughout the United States.
Most major insurance companies offering renters insurance offer coverage in Chicago.
Most of the major insurance companies that offer renters insurance throughout the United States offer policies within Maryland.
In some instances, large insurance companies are able to offer lower premium costs for renters insurance simply because of the large number of customers they have.
Check with these large insurance companies to obtain a quote for renters insurance in Maryland.
Insurance brokers act as intermediaries between people needing insurance and the insurance companies that want to provide coverage.
A broker obtains all the necessary information to send a coverage quote request to several insurance companies at a time to find the cheapest--yet sufficient--coverage.
You may also want to try utilizing the services of a website like Esurance, which will act as an online insurance broker by comparing several insurance companies based on your information.
While there are many people who swear by homeopathic treatments for a wide variety of ailments, most insurance companies are reluctant to insure treatments than deviate from standard medical procedures.
Scientific research points to a lack of proof of homeopathy's effectiveness, making insurance companies reluctant to cover this type of treatment.
Additionally, not all insurance companies offer coverage in all instances, so this is where online renters insurance quotes can be valuable.
Which insurance companies are willing to provide me with renters insurance?
For this reason, do not request renters insurance rate quotes from websites for obscure insurance companies you have never heard of.
You can go directly to the websites of the insurance companies you are familiar with and request quotes, or you can utilize an online service that acts as an insurance broker.
Websites like NetQuote will obtain quotes from several insurance companies at once, making this a good option if you want instant quotes from more than one company.
Although many people know AAA as a popular roadside assistance provider, they also partner with insurance companies to offer policies at reduced prices.
Start by requesting quotes from a variety of insurance companies to find an affordable policy to protect your personal belongings as a renter.
Coverage for motorcycles through AAA is provided by third party insurance companies who work with AAA, but are not technically a part of the American Automobile Association.
In some regions, there may be as many as three or more insurance companies partnering with AAA to provide coverage for motorcyclists.
Condominiums on the beach have a higher likelihood of flooding than condos not located anywhere near bodies of water and, for this reason, some insurance companies are reluctant to provide coverage for these structures.
While some insurance companies will not offer condo insurance for buildings on beaches, others will offer this coverage at an increased cost.
Several insurance companies offer condo insurance for structures located on a beach.
Examples of insurance companies offering this type of coverage include Pablo Beach Insurance Group and Condo-Insurance.org.
Under this new law, insurance companies will no longer be allowed to put a cap on this or any other type of insurance.
Not all insurance companies are prepared to offer coverage to someone who fits this profile.
Not all insurance companies provide coverage in every state.
Luckily, most credible insurance companies make it easy for potential customers to research prices by offering free, no-obligation quotes online.
There is no shortage of car insurance companies offering free quotes and most companies claim to have the lowest rates available.
Start your search with the companies listed below; all of these car insurance companies make the claim of offering affordable car insurance and also offer free quotes online to potential customers.
Esurance and Insurance.com are both examples of websites offering multiple quotes from car insurance companies.
The following are the top life insurance companies that offer online term life insurance quotes.
Some insurance companies also offer price breaks to good students.
One of the main factors that insurance companies consider when setting rates for policyholders is driving history.
Finally, search the price of policies offered by private insurance companies.
Unfortunately, insurance companies consider most removals to be "cosmetic," which means they don't have to pay for them.
Most insurance companies do not consider stretch mark removal necessary, making the cost a responsibility of the patient.
While considered by most insurance companies as an elective procedure, some people choose to have their skin tags removed by a doctor.
Because many insurance companies classify blue light laser treatments as emerging technologies, the procedure may not be covered.