Search
Advertisement
May 2019
M T W T F S S
« Sep    
 12345
6789101112
13141516171819
20212223242526
2728293031  
Search
HealthInsurance.com Homepage
TopOfBlogs

Posts Tagged ‘National’

Voluntary dental can open doors for p-c agents.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on October 21, 1996. The length of the article is 1159 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: Insu… More >>

Voluntary dental can open doors for p-c agents.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Selling voluntary dental shouldn’t be like pulling teeth.: An article from: National Underwriter Life & Health

Product Description
This digital document is an article from National Underwriter Life & Health, published by The National Underwriter Company on November 29, 2004. The length of the article is 1070 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title:More >>

Selling voluntary dental shouldn’t be like pulling teeth.: An article from: National Underwriter Life & Health

Dental plans fund accreditation project.: An article from: National Underwriter … & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on April 27, 1998. The length of the article is 626 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation DetailsMore >>

Dental plans fund accreditation project.: An article from: National Underwriter … & Casualty-Risk & Benefits Management

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 2, 1991. The length of the article is 768 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details… More >>

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Employers urged to brush up on dental cover. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on January 13, 1992. The length of the article is 1374 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Detail… More >>

Employers urged to brush up on dental cover. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Play The National Game

Recently, the political parties were arguing over whether you should be allowed to buy your health insurance across state lines. As part of the healthcare debate, the GOP was strongly in favor of dismantling the current state monopoly. For once, and some would say for good reason, the Democrats were the party of “No”, and insurance companies are still to be regulated by Departments of Insurance in individual states. Obviously, this does not prevent you from moving between states so here, at last, is a national survey telling you where to pitch your tent to get the cheapest premium rates for insuring your vehicle.

With the arrival of internet search engines, it is easy to collect and compare data state-by-state. For these purposes, the research team agreed a standard set of answers to the questionnaires used by the search engines. The sample covered ten zip codes for each state and assumed a single male driver with a short distance to commute to work. He accepted a $500 deductible on comprehensive and collision coverage, and limits of $100,000 for injury to one individual, $300,000 for all injuries arising out of a single traffic accident, and $50,000 for property damage. Prudently, our hypothetical male also asked for uninsured coverage. This approach distinguishes the survey from that undertaken by the National Association of Insurance Commissioners (NAIC). The NAIC monitors the actual premium rates and takes an average from the gross revenue figures submitted by the insurers in each state. This survery’s sole intention was to find the cheapest average insurance available for one class of driver.

The most expensive state by a country mile was Louisiana with an average premium of $2,510. The cheapest was Maine with an average of $902. It may be appropriate to treat Louisiana as a “special case”. Ignoring Hurricane Katrina which has no obvious effect on vehicle premium rates, there is a unique court system which encourages settlements of claims just under $50,000. Because judges are elected, they prefer to be generous to keep the voters happy. For some unexplained reason, this makes litigation a popular hobby and the number of claim rates is higher in this state than in any other state. By contrast, Maine has only a small number of drivers in a rural state. This makes for significantly fewer accidents. Add in the fact that there are more than 30 insurance companies competing for the business and you get the lowest rates.

Obviously, it is difficult to justify the expense of moving to another state just to find cheap auto insurance but, with 18 states offering our male driver insurance at less than $1,300, the savings will mount up over time. The moral of all this story seems to be that premium rates are low in states which have two features. Firstly, their populations are relatively small. Secondly, there is a reasonable level of competition between the insurers licensed to sell policies. If we ignore the unusual legal issues in Louisiana and Michigan which has a particularly generous personal injury system, the highest rates tend to be in the more urbanized states where car ownership and the risk of an accident are high, and there are only a few insurance companies. If you cannot move, get as many auto insurance quotes as possible to find the best deal.

About Author
Norris Rios has shared his vision and professional opinion on a vast array of topics and http://www.findcarinsurancequotes.net/car-insurance-in-louisiana.html is one of the sites where you can read more of Norris Rios’s contributions.

Dental plans fund accreditation project.: An article from: National Underwriter … & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on April 27, 1998. The length of the article is 626 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation DetailsMore >>

Dental plans fund accreditation project.: An article from: National Underwriter … & Casualty-Risk & Benefits Management

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 2, 1991. The length of the article is 768 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details… More >>

Dental coverage can reduce costs of benefits. : An article from: National Underwriter Property & Casualty-Risk & Benefits Management

Social Widgets powered by AB-WebLog.com.