University Student Health Insurance - Helping Students Save Money On Insurance

By Greg Haehl

Today, it has never been more important for University students to make sure they are covered by health insurance. University student health insurance is offered through a few different companies but benefits can vary widely. It might seem overwhelming when it comes time to choose the right health insurance provider for you. In addition to finding the right health insurance, there is still a health plan that needs to be chosen. Many Universities offer health insurance that’s usually affordable but may lack in coverage which many students find unacceptable, and for good reason. No matter the price of the insurance, it certainly isn’t wise to pay for coverage that won’t help financially if there were a medical emergency.



When looking for University student health insurance, it’s important to make a list of the features that are most important to you in health insurance. For example, if you want more coverage for things like regular doctor’s visits or check ups but don’t find it necessary to hold an insurance policy that offers high end emergency benefits, you’ll want to make sure that is the kind of coverage you purchase. A good way to find the best health insurance provider to meet your needs is to choose the top three health insurance companies that offer all of the benefits you listed to be important to you and then compare, and compare some more.



You can use the internet of even your University as a great tool to choosing your student health insurance. Finding and reading review websites will shed some light on the experiences other University students have had with a particular health insurance company, which can be a valuable tool to help you choose a health insurance provider that you will be confident in counting on when you need it the most and by comparing insurance companies, you can be sure you aren’t spending more for benefits than you need to.



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How Much Does All Auto Insurance Cost?

By John Rich

Comprehensive coverage covers you and others in the event of an accident or theft involving you and/or your auto. Insurance companies establish prices for auto coverage according to driving experience, number of violations or accidents. It's best to shop rates and coverage limits in your area, as coverage options and prices can vary.

Bear in mind that when insuring your auto, one insurance option does not fit all! For example, if you're driving an older car that's paid for, you probably won't need as low a deductible and you may be able to get by with less collision coverage. On the other hand, if you're making payments on your car, the lender will require sufficient coverage to protect your car, which serves as collateral for your auto loan. How much you drive and how far can also impact the cost of auto insurance.

At the very minimum, you'll need to carry liability coverage as required by your state; but baying additional auto insurance coverage can help avoid problems if you're involved in an accident. Uninsured motorist coverage is one way of protecting yourself against being involved in an accident and the other driver isn't insured.

One way to limit costs is to shop for "package" deals. If you write your homeowners insurance and auto insurance with the same carrier, they may offer a discount. Auto insurance discounts may also be available through your employer, union affiliate, or membership organizations. Balancing your need for low cost insurance with adequate coverage is important for maintaining financial peace of mind.

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Making Sense of Your Term Life Insurance Quote

By Darren Yates

Like many things you purchase, term life insurance begins with the quote. You provide some basic information and a person or a computer system churns out a base price for a term life insurance policy. Whether online, in person, or on the phone, you can receive a term life insurance quote instantly.

However, if you want a more accurate idea of the price you'll be paying for your term life insurance, it's really important to understand all that this type of insurance offers.

Understanding term life insurance

Term life insurance typically is the most uncomplicated of the various insurance packages. Term life insurance remains in effect for the entire term that was selected by the insured.

Term periods generally range between 1 year and 30 years. If the insured dies within the term that was purchased, the individual or individuals that are named as beneficiaries on the policy receive the death benefit amount that also was chosen at the time the policy was purchased.

For example, when you purchase a 20-year term insurance policy with a specific payout or face value, your beneficiary will receive that amount, in full, if you die anytime during that 20-year period.

Any payout is subject to whatever restrictive clauses are in the policy, such as suicide exclusions. And the payout would occur provided you did not allow your policy to lapse.

If the 20-year term passes and you do not die, your term life insurance policy simply would expire. If your term life insurance quote included a renewal clause which you had written into your actual policy, at the end of the term you would be able to renew the policy.

You can usually do so without having to go through another round of medical history review. The only real drawback is that if you did take advantage of the renewal feature, you'd likely have to pay a much higher premium because you would be 20 years older than you were at the time of original purchase.

How to compare various term life insurance quotes

When you are comparing term life insurance quotes, make sure you are making an equal comparison. Specifically, some quotes will include at no extra charge additional benefits such as accelerated death, accidental death or a disability waiver of premiums.

Other quotes may either omit these benefits or make them available as a rider for which you'll pay an additional cost.

You might also find that some term life insurance quotes include a conversion to permanent policy opportunity, which you usually are able to take advantage of within the first few years. Again, some companies won't require a re-evaluation of your health while others will.

The bottom line is that life insurance is a very competitive business and there are companies that will low-ball their term life insurance quotes in order to attract your business.

Before you purchase any policy, make sure you fully understand exactly what the term life insurance quote you receive does and does not cover.

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