When it comes to insurance, I turn to my sister and her hubby for help. They are both insurance agents.
Any friend or relative who wants to promote me insurance, be it North Carolina health insurance, life insurance or term insurance, I will tell them frankly that my sister and her hubby are my insurance agents.
If there are any cheap insurance deals that my friends or relatives would like to recommend to me, I will tell them to call my sister. Well, they dare not do so.
In the event of you or your partner dying, mortgage life insurance can mean that the difference between keeping a roof over your head or ending up having your home repossessed.
A mortgage life insurance policy runs for a fixed policy term – most people take it put to run concurrent with their mortgage. Should you die before the end of the term period, the policy can help pay off outstanding balance of the mortgage on your home. This will be in the form of a cash sum.
This means that your dependants will not have the financial worry of trying to find the mortgage repayments in the event of your death. Neither will they have to worry about selling up and maybe downsizing in order to keep a roof over their heads – the last things that you would want to put them through.
If you are looking for mortgage life insurance, then do shop around and do not automatically accept the first quotation you get. Premiums as well as terms of the policy and other benefits can vary wildly from provider to provider and you could be surprised just how cheap mortgage life insurance can be, without any compromise on cover.
“Life insurance helps ensure your financial needs are met, even after you’re gone. Life Insurance is priced based on your health, family history and goals……” When do I hear this ? When my insurance agent is fighting for his target.
My insurance agent came this morning, trying to persuade me and my hubby to get the latest life insurance quotes. He heard that hubby was involved in business, so there was business possibility for him too. What he didn’t know is that hubby quit his job last month.
If given a choice, I think hubby and I would prefer term life insurance which is a shorter term cover that provides protection for a limited period, such as 10, 15 or 20 years. This is a popular form of life insurance, and is the cheaper option for us who are on a budget.
There are a lot of insurance companies now competing online for your car insurance, life insurance, travel insurance or home owner insurance.
Online insurance provides:
1. More Choices. Shopping online gives one the advantage of more choices. You can take your time and really look into different insurance companies, which may help you choose a policy and an insurance quote that best suits you.
2. Time Saver. This is an easy one. Of course it works better for you to meet with your laptop anytime than an appointment with a local insurance agent. When shopping online for insurance you can do it anytime, day or night.
3. Quick Insurance Quotes. Shopping online for online auto insurance quotes, life insurance quotes or home insurance quotes gives you the advantage of getting instant insurance quotes from many insurance companies.
I was surprised that a long long friend called me this morning. I mean she managed to find my phone number even though I had left Kuala Lumpur for more than 5 years and my cell phone was no longer the same.
Apparently, she went to my uncle’s house and got my phone from him. Upon hearing that she is an insurance agent, I was like … oops …
As expected, she asked how my teaching is in Cameron Highlands and if I have made any investments such as trust funds, insurance or real estate.
You know what she wants, right ? Typical insurance agent….boring questions ! I told her that I am loaded with tonnes of credit card debts and barely make ends meet. I still have credit card payments, home loan, personal loans, car loan, rental, term life insurance policies, and lots of expenses that suffocates me every month.
Guess what ? She didn’t dare to ask me further about my financial status, let alone insurance policies.
This morning, my sister called up and we chatted for a while. I grumbled to her that we didn’t get any cheap car insurance this year even though hubby’s driving record is clean and no traffic summons at all.
We were told by our insurance agent that we got the cheapest insurance available on the market, but it was not true !
We found out later that there were other cheap insurance websites that offered even lower insurance quotes. We should have compared various car insurance companies before making the best decision.
We have already bookmarked ThriftyScot.co.uk so that we can compare home insurance and life insurance quotes to get the best quotes.
My room in Ipoh was a mess as I hadn’t been back there for some time. Even my hubby goes back there weekly, he doesn’t tidy the room. you know, guys aren’t that interested in keeping the house clean and neat.
As it was in a mess, we had to spend some time searching for our insurance policies. My brother-in-brother needed me to locate some details so that he could upgrade our policies should there be any needs.
Fortunately, I found them stashed among some old magazines. Life insurance policies, auto insurance policy and mortgage life insurance policy – Great ! All found and are in good condition.
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