MORTGAGE HOME LOANS:
Purchase a home, getting a home loan is one of the most important decision in someone's lifetime. That's why it's
imperative to get the very best mortgage information possible, also the best mortgage rate program available in the
market. By doing so,could literally save you thousands of dollar in the long run!
We are Licensed Mortgage Broker; we have experienced loyal loan officers who work hard to ensure that you know
where, who, how, and what to do, to obtain the best mortgage service, each day and everyday. "MORTGAGE
INFORMATION" HOME LOANS GENERAL INFORMATION TO HELP YOU SAVE TIME AND MONEY..
You're in the market to save money, look no further. CALL 786-709-6577 --SOUTH FLORIDA
------------------------------------------------------------------------------------
PRE-QUALIFICATION
You should get yourself pre-qualified for a mortgage loan by a competent & experienced mortgage loan officer or lenders
before you begin shopping for a home. CALL Mr. ANTONY AT 786-709-6577---
Most sellers will not take you seriously as a potential buyer unless you you're preappoved.
PRE-APPROVAL lets sellers know that that the bank, or the lending institution has agreed in principle to approve your
mortgage loan. And this put you as a prospective investor in better position to negotiate and obtain better deals, better
discount, better advantage for the future.
---------------------------------------------------------------------------------------------------------------
Purchase a home, getting a home loan is one of the most important decision in someone's lifetime. That's why it's
imperative to get the very best mortgage information possible, also the best mortgage rate program available in the
market. By doing so,could literally save you thousands of dollar in the long run!
We are Licensed Mortgage Broker; we have experienced loyal loan officers who work hard to ensure that you know
where, who, how, and what to do, to obtain the best mortgage service, each day and everyday. "MORTGAGE
INFORMATION" HOME LOANS GENERAL INFORMATION TO HELP YOU SAVE TIME AND MONEY..
You're in the market to save money, look no further. CALL 786-709-6577 --SOUTH FLORIDA
------------------------------------------------------------------------------------
PRE-QUALIFICATION
You should get yourself pre-qualified for a mortgage loan by a competent & experienced mortgage loan officer or lenders
before you begin shopping for a home. CALL Mr. ANTONY AT 786-709-6577---
Most sellers will not take you seriously as a potential buyer unless you you're preappoved.
PRE-APPROVAL lets sellers know that that the bank, or the lending institution has agreed in principle to approve your
mortgage loan. And this put you as a prospective investor in better position to negotiate and obtain better deals, better
discount, better advantage for the future.
---------------------------------------------------------------------------------------------------------------
HOW TO SAVE MONEY ON HOMEOWNERS INSURANCE?
It will take some time, but could save you a good sum of money.
Ask your friends, check the yellow pages or contact your state insurance department.
BUY AND SALE REAL ESTATE AT KNOWLEDGEFINANCIAL.COM
States often make information available on typical rates charged by major insurers and many states provide the frequency of
consumer complaints by company. Also check consumer guides, insurance agents, and online insurance quote services. This will
give you an idea of price ranges and tell you which companies have the lowest prices.
RAISE YOUR DEDUCTIBLE
Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim
according to the terms of your policy. The higher your deductible, the more money you can save on your premiums.
BUY YOUR HOME AND AUTO POLICIES FROM THE SAME INSURER
Some companies that sell homeowners, auto and liabilities coverage will take about 5 to 10percent off your premium if you buy
tho or more policies from them.
MAKE YOUR HOME MORE DISASTER RESISTANT.
Find out from your insurance agent or company representative what steps you can take to make your home resistant to
windstorm and other natural disaster.
You may be able to save on your premiums by adding storm shutters, reinforcing your roof, if your home is old consider
modernization your heating, plumbing, and electrical system to reduce the risk of fire and water damage.
--------------------------------------------------------
IMPROVE YOUR HOME SECURITY
You can usually get discounts at least 5 percent for smoke detector, burglar alarm or dead-bolt locks.
MAINTAIN A GOOD CREDIT RECORD
Establishing a solid credit history can cut your insurance can costs.
Insurers are increasingly using credit information to price homeowners insurance policies.
--------------------------------------------------
KNOWLEDGE FINANCIAL GROUP & INVESTMENT
We are here to serve and to help. And we will be here for longtime.
Why not doing business with us. Trust us & we will deliver the best to your door.
WE SPECIALIZE IN REAL ESTATE FINANCING,
PROPERTY MANAGEMENT,
MORTGAGE & LOANS, HOME REFINANCING, HOME EQUITY,
REAL ESTATE INVESTMENTS. CALL US AT:
786-709-6577 SOUTH FLORIDA
---------------BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Homeowners' Insurance: What You Need to Know
Get the basics on homeowners' insurance and the importance of doing a home inventory.
Before finalizing a mortgage loan, lenders require home buyers to purchase at least a minimal level of "hazard insurance,"
which is part of the standard homeowners' insurance policy. Hazard insurance will cover damage or destruction by fire, smoke,
wind, hail, theft, vandalism, or another similar event. To protect your own interests, however, you'll probably want to buy
comprehensive home owner's insurance, including liability insurance and more complete hazard coverage than your lender
requires.
What Homeowners' Insurance Covers In addition to covering the house, the hazard portion of your homeowners' insurance
protects furnishings and other personal items, as well as any other structures on the property, such as a pool or separate
garage (unless you use such structures for nonresidential purposes, such as for your home business).
Most policies' hazard coverage doesn't include business equipment, damage caused by natural disasters, or loss of art or
jewelry over a certain amount. You will want to purchase additional insurance if your house is in a high-risk area for fire, floods,
earthquakes, or other natural disasters or if you have expensive art, jewelry, or business equipment at home.
Standard homeowners' policies also cover some types of personal liability -- if the mail carrier, for example, trips over your
kid's skateboard or gets clawed by your cat, your policy will pay for the carrier's medical expenses and other losses, up to a
certain limit. Unlike hazard insurance, this portion isn't required by your lender -- but is a good idea anyway, since you don't
want to lose your house to pay someone's medical bills.
Finding Homeowners' Insurance Finding good homeowners' insurance coverage has become surprisingly difficult in some
states, such as California and Texas. High payouts for mold and other disasters have made the insurance industry in these
states skittish. If either you or the seller of the property have made claims for water damage (the usual precursor to mold),
you might actually find that you can't purchase a policy -- or at least not a reasonably priced one. Same thing goes if you've
filed many insurance claims in the past -- you might not be able to find a company willing to sell you insurance.
You can protect yourself against the possibility of not getting homeowners' insurance for a house you're purchasing by making
your obtaining insurance a contingency or condition of finalizing the sale.
Claiming Homeowner Losses Guard your policy well once you've got it. Don't file claims unless you have to -- if you file more
than two or three claims, your rates will rise and your policy may be canceled. You are best advised to get a policy with a high
deductible, so that you've got no reason to file lower-cost claims that will raise your premiums or lead to future cancellation of
your policy. (Your lender may, however, insist you not go higher than a certain deductible amount.)
Making a Home Inventory If your home is struck by a burglary, fire, flood, earthquake, or other disaster, an up-to-date home
inventory will make it easier to deal with police and your insurance company. Without one, you'll have to create a list of all your
property from memory.
Fortunately, making a home inventory isn't onerous, and might actually prompt you to prevent the loss itself. As you inventory
your possessions, you'll become more aware of their vulnerability, and can take steps to secure them.
Start by walking through your house with a pad of paper and a still or video camera. Jot down a list of any items worth more
than $50 or so and take pictures of them. Go room by room, and don't forget the garage, attic, and basement. Be sure to
include jewelry, clothing, stamp or coin collections, CD and record collections, silver, tools, and electronic equipment.
Then take a little time to formalize your inventory. Insurance companies often supply inventory .
----------------------------------------------------------------------------------BUY AND SALE
HOMES AT KNOWLEDGEFINANCIAL.COM
It will take some time, but could save you a good sum of money.
Ask your friends, check the yellow pages or contact your state insurance department.
BUY AND SALE REAL ESTATE AT KNOWLEDGEFINANCIAL.COM
States often make information available on typical rates charged by major insurers and many states provide the frequency of
consumer complaints by company. Also check consumer guides, insurance agents, and online insurance quote services. This will
give you an idea of price ranges and tell you which companies have the lowest prices.
RAISE YOUR DEDUCTIBLE
Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim
according to the terms of your policy. The higher your deductible, the more money you can save on your premiums.
BUY YOUR HOME AND AUTO POLICIES FROM THE SAME INSURER
Some companies that sell homeowners, auto and liabilities coverage will take about 5 to 10percent off your premium if you buy
tho or more policies from them.
MAKE YOUR HOME MORE DISASTER RESISTANT.
Find out from your insurance agent or company representative what steps you can take to make your home resistant to
windstorm and other natural disaster.
You may be able to save on your premiums by adding storm shutters, reinforcing your roof, if your home is old consider
modernization your heating, plumbing, and electrical system to reduce the risk of fire and water damage.
--------------------------------------------------------
IMPROVE YOUR HOME SECURITY
You can usually get discounts at least 5 percent for smoke detector, burglar alarm or dead-bolt locks.
MAINTAIN A GOOD CREDIT RECORD
Establishing a solid credit history can cut your insurance can costs.
Insurers are increasingly using credit information to price homeowners insurance policies.
--------------------------------------------------
KNOWLEDGE FINANCIAL GROUP & INVESTMENT
We are here to serve and to help. And we will be here for longtime.
Why not doing business with us. Trust us & we will deliver the best to your door.
WE SPECIALIZE IN REAL ESTATE FINANCING,
PROPERTY MANAGEMENT,
MORTGAGE & LOANS, HOME REFINANCING, HOME EQUITY,
REAL ESTATE INVESTMENTS. CALL US AT:
786-709-6577 SOUTH FLORIDA
---------------BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Homeowners' Insurance: What You Need to Know
Get the basics on homeowners' insurance and the importance of doing a home inventory.
Before finalizing a mortgage loan, lenders require home buyers to purchase at least a minimal level of "hazard insurance,"
which is part of the standard homeowners' insurance policy. Hazard insurance will cover damage or destruction by fire, smoke,
wind, hail, theft, vandalism, or another similar event. To protect your own interests, however, you'll probably want to buy
comprehensive home owner's insurance, including liability insurance and more complete hazard coverage than your lender
requires.
What Homeowners' Insurance Covers In addition to covering the house, the hazard portion of your homeowners' insurance
protects furnishings and other personal items, as well as any other structures on the property, such as a pool or separate
garage (unless you use such structures for nonresidential purposes, such as for your home business).
Most policies' hazard coverage doesn't include business equipment, damage caused by natural disasters, or loss of art or
jewelry over a certain amount. You will want to purchase additional insurance if your house is in a high-risk area for fire, floods,
earthquakes, or other natural disasters or if you have expensive art, jewelry, or business equipment at home.
Standard homeowners' policies also cover some types of personal liability -- if the mail carrier, for example, trips over your
kid's skateboard or gets clawed by your cat, your policy will pay for the carrier's medical expenses and other losses, up to a
certain limit. Unlike hazard insurance, this portion isn't required by your lender -- but is a good idea anyway, since you don't
want to lose your house to pay someone's medical bills.
Finding Homeowners' Insurance Finding good homeowners' insurance coverage has become surprisingly difficult in some
states, such as California and Texas. High payouts for mold and other disasters have made the insurance industry in these
states skittish. If either you or the seller of the property have made claims for water damage (the usual precursor to mold),
you might actually find that you can't purchase a policy -- or at least not a reasonably priced one. Same thing goes if you've
filed many insurance claims in the past -- you might not be able to find a company willing to sell you insurance.
You can protect yourself against the possibility of not getting homeowners' insurance for a house you're purchasing by making
your obtaining insurance a contingency or condition of finalizing the sale.
Claiming Homeowner Losses Guard your policy well once you've got it. Don't file claims unless you have to -- if you file more
than two or three claims, your rates will rise and your policy may be canceled. You are best advised to get a policy with a high
deductible, so that you've got no reason to file lower-cost claims that will raise your premiums or lead to future cancellation of
your policy. (Your lender may, however, insist you not go higher than a certain deductible amount.)
Making a Home Inventory If your home is struck by a burglary, fire, flood, earthquake, or other disaster, an up-to-date home
inventory will make it easier to deal with police and your insurance company. Without one, you'll have to create a list of all your
property from memory.
Fortunately, making a home inventory isn't onerous, and might actually prompt you to prevent the loss itself. As you inventory
your possessions, you'll become more aware of their vulnerability, and can take steps to secure them.
Start by walking through your house with a pad of paper and a still or video camera. Jot down a list of any items worth more
than $50 or so and take pictures of them. Go room by room, and don't forget the garage, attic, and basement. Be sure to
include jewelry, clothing, stamp or coin collections, CD and record collections, silver, tools, and electronic equipment.
Then take a little time to formalize your inventory. Insurance companies often supply inventory .
----------------------------------------------------------------------------------BUY AND SALE
HOMES AT KNOWLEDGEFINANCIAL.COM
WWW.KNOWLEDGEFINANCIAL.COM
INSURANCE GENERAL INFORMATION: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR
INSURANCE.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!--- Understand Your Insurance Contract..
State Insurance Departments for all 50 States.
INSURANCE.
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!--- Understand Your Insurance Contract..
State Insurance Departments for all 50 States.
 |  |  |  |  |  |  |  |  |
 |  |  |  |  |  |  |  |
 |  |  |  |  |
REAL ESTATE INVESTMENTS:
Invest today for a better tomorrow,
invest for an
ideal retirement, invest for abundant.
Invest in multiplex properties, houses,
condos,
town-homes, businesses, luxury
waterfront properties.
Give yourself a chance to get richer?
CALL US WE ARE HERE TO ASSIST YOU!
ANTONY, REAL ESTATE AGENT
786-709-6577 {SOUTH FLORIDA}
Invest today for a better tomorrow,
invest for an
ideal retirement, invest for abundant.
Invest in multiplex properties, houses,
condos,
town-homes, businesses, luxury
waterfront properties.
Give yourself a chance to get richer?
CALL US WE ARE HERE TO ASSIST YOU!
ANTONY, REAL ESTATE AGENT
786-709-6577 {SOUTH FLORIDA}
 |  |  |  |  |
 |  |  |  |  |  |  |  |  |  |
| HOME-SELLING We are real estate marketing experts, let us put your property on the market for sale, your listing will be available to more buyers than you can think off. " WE SELL REAL ESTATE FAST & FOR THE TOP PRICE" I have committed to provide you with specialized real estate service you deserve. "WE CAN HELP YOU SALE YOURS" OFFICE COMPLEXES, RETAIL CENTERS, APARTMENT BUILDINGS, HOTELS, HOUSES, CONDOS, TOWN-HOMES, BUSINESSES. -------CALL 786-709-6577 |
THE IMPORTANCE OF INSURANCE IN SOMEONE'S
LIFE! ----- BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
Your Financial Plan
Insurance is an important element of any sound financial plan.
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability, and
death.
2
What Are Your Insurance Needs?
The insurance decisions you make should be based on your family,
age, and economic situation. There are many forms of insurance and,
unfortunately, no one-size-fits-all policy. Life insurance, for example,
is a virtual necessity if you have a spouse and children, but perhaps is
less important for a single person. Disability insurance, which provides
an income stream if you are unable to work, is important for everyone.
Following is a list of the forms of insurance most people require.
3
Auto Insurance
Auto insurance protects you from damage to the often considerable
investment in a car and/or from liability for damage or injury caused
by you or someone driving your vehicle. It can also help cover
expenses you or anyone in your car may incur as a result of an
accident with an uninsured motorist.
Auto liability coverage is necessary for anyone who owns a car. Many
states require you to have liability insurance before a vehicle can be
registered. However, state-required minimum coverage often does
not provide adequate protection. Suggested minimums are $100,000
for medical expenses per injured person, $300,000 for the total per
accident, and $50,000 for property damage. Collision, fire, and theft
coverage is also advisable for a vehicle having more than minimal
value. You can cut costs, however, by choosing a higher deductible --
the amount of loss that must be exceeded before you are
compensated.
The cost of auto insurance varies greatly, depending on the company
and agent offering it, your choice of coverage and deductible, where
you live, the kind of vehicle, and the ages of drivers in the family.
Substantial discounts are often available for safe drivers,
nonsmokers, and those who commute to work via public
transportation.
4 ---BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Homeowner's Insurance
Homeowner's insurance should allow you to rebuild and refurnish your
home after a catastrophe and insulate you from lawsuits if someone is
injured on your property. Coverage of at least 80% of your home's
replacement value, minus the value of land and foundation, is
necessary for you to be covered for the cost of repairs. There are
several grades of policies, ranging from HO-1 to HO-8, with
increasingly comprehensive coverage and cost. Unless you increase
coverage, most homeowner's policies cover the contents of the house
for 50% to 75% of the amount for which the house is insured. The
liability coverage in many homeowner's policies is $300,000.
5
Liability Insurance
Often called umbrella liability coverage, this takes effect when the
personal liability and lawsuit coverage in other policies is exhausted.
The cost for $1 million worth of protection -- especially necessary for
high-income individuals and those with considerable assets -- may be
only a few hundred dollars a year.
6
Life Insurance ----BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and can fund education
tuition costs. The amount you need depends on your situation. If you
make $100,000 a year, have a sizable mortgage, and have two kids
headed to an expensive college, you could need $1 million in coverage.
Value-accumulating, but commission-heavy, whole life or universal
insurance is often sold as a conservative savings vehicle.
Talk with an insurance agent who offers policies from companies
whose financial strength is ranked high by rating agencies. And
remember that you can shop
LIFE! ----- BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
Your Financial Plan
Insurance is an important element of any sound financial plan.
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability, and
death.
2
What Are Your Insurance Needs?
The insurance decisions you make should be based on your family,
age, and economic situation. There are many forms of insurance and,
unfortunately, no one-size-fits-all policy. Life insurance, for example,
is a virtual necessity if you have a spouse and children, but perhaps is
less important for a single person. Disability insurance, which provides
an income stream if you are unable to work, is important for everyone.
Following is a list of the forms of insurance most people require.
3
Auto Insurance
Auto insurance protects you from damage to the often considerable
investment in a car and/or from liability for damage or injury caused
by you or someone driving your vehicle. It can also help cover
expenses you or anyone in your car may incur as a result of an
accident with an uninsured motorist.
Auto liability coverage is necessary for anyone who owns a car. Many
states require you to have liability insurance before a vehicle can be
registered. However, state-required minimum coverage often does
not provide adequate protection. Suggested minimums are $100,000
for medical expenses per injured person, $300,000 for the total per
accident, and $50,000 for property damage. Collision, fire, and theft
coverage is also advisable for a vehicle having more than minimal
value. You can cut costs, however, by choosing a higher deductible --
the amount of loss that must be exceeded before you are
compensated.
The cost of auto insurance varies greatly, depending on the company
and agent offering it, your choice of coverage and deductible, where
you live, the kind of vehicle, and the ages of drivers in the family.
Substantial discounts are often available for safe drivers,
nonsmokers, and those who commute to work via public
transportation.
4 ---BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Homeowner's Insurance
Homeowner's insurance should allow you to rebuild and refurnish your
home after a catastrophe and insulate you from lawsuits if someone is
injured on your property. Coverage of at least 80% of your home's
replacement value, minus the value of land and foundation, is
necessary for you to be covered for the cost of repairs. There are
several grades of policies, ranging from HO-1 to HO-8, with
increasingly comprehensive coverage and cost. Unless you increase
coverage, most homeowner's policies cover the contents of the house
for 50% to 75% of the amount for which the house is insured. The
liability coverage in many homeowner's policies is $300,000.
5
Liability Insurance
Often called umbrella liability coverage, this takes effect when the
personal liability and lawsuit coverage in other policies is exhausted.
The cost for $1 million worth of protection -- especially necessary for
high-income individuals and those with considerable assets -- may be
only a few hundred dollars a year.
6
Life Insurance ----BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and can fund education
tuition costs. The amount you need depends on your situation. If you
make $100,000 a year, have a sizable mortgage, and have two kids
headed to an expensive college, you could need $1 million in coverage.
Value-accumulating, but commission-heavy, whole life or universal
insurance is often sold as a conservative savings vehicle.
Talk with an insurance agent who offers policies from companies
whose financial strength is ranked high by rating agencies. And
remember that you can shop
 |  |  |  |  |  |  |  |
Understand Your Insurance Contract
Almost all of us have insurance. When your insurer gives you the
policy document, generally, all you do is glance over the decorated
words in the policy and pile it up with the other bunch of financial
papers on your desk, right? If you spend thousands of dollars each
year on insurance, don't you think that you should know all about it?
Your insurance advisor is always there for you to help you
understand the tricky terms in the insurance forms, but you should
also know for yourself what your contract says. In this article, we'll
make reading your insurance contract easy. Read on to take a look
at the basic principles of insurance contracts and how they are put
to use in daily life. ---BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM

Essentials of a Valid Insurance Contract
Offer and Acceptance: When applying for insurance, the first thing
you do is get the proposal form of a particular insurance company.
After filling in the requested details, you send the form to the
company (sometimes with a premium check). This is your offer. If
the insurance company accepts your offer and agrees to insure you,
this is called an acceptance. In some cases, your insurer may agree
to accept your offer after making some changes to your proposed
terms (for example, charging you a double premium for your chain-
smoking habit).
Consideration: This is the premium or the future premiums that you
have pay to your insurance company. For insurers, consideration
also refers to the money paid out to you should you file an
insurance claim. This means that each party to the contract must
provide some value to the relationship.
Legal Capacity: You need to be legally competent to enter into an
agreement with your insurer. If you are a minor or are mentally ill,
for example, then you may not be qualified to make contracts.
Similarly, insurers are considered to be competent if they are
licensed under the prevailing regulations that govern them.
Legal Purpose: If the purpose of your contract is to encourage
illegal activities, it is invalid.
Find the Value in Indemnity contracts
Most insurance contracts are indemnity contracts. Indemnity
contracts apply to insurances where the loss suffered can be
measured in terms of money.
Principle of Indemnity: This states that insurers pay no more than
the actual loss suffered. The purpose of an insurance contract is to
leave you in the same financial position you were in immediately
prior to the incident leading to an insurance claim. When your old
Chevy Cavalier is stolen, you can't expect your insurer to replace it
with a brand new Mercedes-Benz. In other words, you will be
remunerated according to the total sum you have assured for the
car.----BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Additional Factors
There are some additional factors of your insurance contract that
also need to be considered, including under-insurance and excess
clauses that create situations in which the full value of an insured
asset is not remunerated.
Under-Insurance: Often, in order to save on premiums, you may
insure your house at $80,000 when the total value of the house
actually comes to $100,000. At the time of partial loss, your insurer
will pay only a proportion of $80,000 while you have to dig into your
savings to cover the remaining portion of the loss. This is called
under-insurance, and you should try to avoid it as much as possible.
Excess: To avoid trivial claims, the insurers have introduced
provisions like excess. For example, you have auto insurance with
the applicable excess of $5,000. Unfortunately, your car had an
accident with the loss amounting to $7,000. Your insurer will pay
you the $7,000 because the loss has exceeded the specified limit of
$5,000. But, if the loss comes to $3,000 then the insurance
company will not pay a single penny and you have to bear the loss
expenses yourself. In short, the insurers will not entertain claims
unless and until your losses exceed a minimum amount set by the
insurer.
Not all insurance contracts are indemnity contracts. Life insurance
contracts and most personal accident insurance contracts are non-
indemnity contracts. You may purchase a life insurance policy of $1
million, but that does not imply that your life's value is equal to this
dollar amount. Because you can't calculate your life's net worth and
fix a price on it, an indemnity contract does not apply.
Insurable Interest
It is your legal right to insure any type of property or any event
that may cause financial loss or create a legal liability to you. This is
called insurable interest.
Suppose you are living in your uncle's house, and you apply for
homeowners' insurance because you believe that you may inherit
the house later. Insurers will decline your offer because you are not
the owner of the house and, therefore, you do not stand to suffer
financially in the event of a loss.
This example demonstrates that when it comes to insurance, it is
not the house, car or machinery that is insured. Rather, it is the
monetary interest in that house, car or machinery to which your
policy applies.
It is also the principle of insurable interest that allows married
couples to take out insurance policies on the lives of their spouses -
they may suffer financially if the spouse dies. Insurable interest
also exists in some business arrangements, as seen between a
creditor and debtor, between business partners or between
employers and employees.
Principle of Subrogation
Subrogation allows an insurer to sue a third party that has caused a
loss to the insured and pursue all methods of getting back some of
the money that it has paid to the insured as a result of the loss.
For example, if you are injured in a road accident that is caused by
the reckless driving of another party, you will be compensated by
your insurer. However, your insurance company may also sue the
reckless driver in an attempt to recover that money.
BUY AND SALES HOMES AT KNOWLEDGEFINANCIAL.COM
Doctrine of Utmost Good Faith
All insurance contracts are based on the concept of "uberrima
fidei", or the doctrine of utmost good faith. This doctrine
emphasizes the presence of mutual faith between the insured and
the insurer. In simple terms, while applying for life insurance, it
becomes your duty to disclose your past illnesses to the insurer.
Likewise, the insurer cannot hide information about the insurance
coverage that is being sold.
Doctrine of Adhesion
The doctrine of adhesion states that you must accept the entire
insurance contract and all of its terms and conditions without
bargaining. Because the insured has no opportunity to change the
terms, any ambiguities in the contract will be interpreted in favor of
the insured.
Conclusion
When purchasing insurance, most of us rely on our insurance
advisor for everything - from choosing a policy for us to filling in the
insurance application forms. Most people try to stay away from the
boring legal terms of insurance contracts, but it is always handy to
be familiar with these words and phrases and to become familiar
with the terms of the policy you are paying for.
Almost all of us have insurance. When your insurer gives you the
policy document, generally, all you do is glance over the decorated
words in the policy and pile it up with the other bunch of financial
papers on your desk, right? If you spend thousands of dollars each
year on insurance, don't you think that you should know all about it?
Your insurance advisor is always there for you to help you
understand the tricky terms in the insurance forms, but you should
also know for yourself what your contract says. In this article, we'll
make reading your insurance contract easy. Read on to take a look
at the basic principles of insurance contracts and how they are put
to use in daily life. ---BUY AND SALE HOMES AT
KNOWLEDGEFINANCIAL.COM

Essentials of a Valid Insurance Contract
Offer and Acceptance: When applying for insurance, the first thing
you do is get the proposal form of a particular insurance company.
After filling in the requested details, you send the form to the
company (sometimes with a premium check). This is your offer. If
the insurance company accepts your offer and agrees to insure you,
this is called an acceptance. In some cases, your insurer may agree
to accept your offer after making some changes to your proposed
terms (for example, charging you a double premium for your chain-
smoking habit).
Consideration: This is the premium or the future premiums that you
have pay to your insurance company. For insurers, consideration
also refers to the money paid out to you should you file an
insurance claim. This means that each party to the contract must
provide some value to the relationship.
Legal Capacity: You need to be legally competent to enter into an
agreement with your insurer. If you are a minor or are mentally ill,
for example, then you may not be qualified to make contracts.
Similarly, insurers are considered to be competent if they are
licensed under the prevailing regulations that govern them.
Legal Purpose: If the purpose of your contract is to encourage
illegal activities, it is invalid.
Find the Value in Indemnity contracts
Most insurance contracts are indemnity contracts. Indemnity
contracts apply to insurances where the loss suffered can be
measured in terms of money.
Principle of Indemnity: This states that insurers pay no more than
the actual loss suffered. The purpose of an insurance contract is to
leave you in the same financial position you were in immediately
prior to the incident leading to an insurance claim. When your old
Chevy Cavalier is stolen, you can't expect your insurer to replace it
with a brand new Mercedes-Benz. In other words, you will be
remunerated according to the total sum you have assured for the
car.----BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM
Additional Factors
There are some additional factors of your insurance contract that
also need to be considered, including under-insurance and excess
clauses that create situations in which the full value of an insured
asset is not remunerated.
Under-Insurance: Often, in order to save on premiums, you may
insure your house at $80,000 when the total value of the house
actually comes to $100,000. At the time of partial loss, your insurer
will pay only a proportion of $80,000 while you have to dig into your
savings to cover the remaining portion of the loss. This is called
under-insurance, and you should try to avoid it as much as possible.
Excess: To avoid trivial claims, the insurers have introduced
provisions like excess. For example, you have auto insurance with
the applicable excess of $5,000. Unfortunately, your car had an
accident with the loss amounting to $7,000. Your insurer will pay
you the $7,000 because the loss has exceeded the specified limit of
$5,000. But, if the loss comes to $3,000 then the insurance
company will not pay a single penny and you have to bear the loss
expenses yourself. In short, the insurers will not entertain claims
unless and until your losses exceed a minimum amount set by the
insurer.
Not all insurance contracts are indemnity contracts. Life insurance
contracts and most personal accident insurance contracts are non-
indemnity contracts. You may purchase a life insurance policy of $1
million, but that does not imply that your life's value is equal to this
dollar amount. Because you can't calculate your life's net worth and
fix a price on it, an indemnity contract does not apply.
Insurable Interest
It is your legal right to insure any type of property or any event
that may cause financial loss or create a legal liability to you. This is
called insurable interest.
Suppose you are living in your uncle's house, and you apply for
homeowners' insurance because you believe that you may inherit
the house later. Insurers will decline your offer because you are not
the owner of the house and, therefore, you do not stand to suffer
financially in the event of a loss.
This example demonstrates that when it comes to insurance, it is
not the house, car or machinery that is insured. Rather, it is the
monetary interest in that house, car or machinery to which your
policy applies.
It is also the principle of insurable interest that allows married
couples to take out insurance policies on the lives of their spouses -
they may suffer financially if the spouse dies. Insurable interest
also exists in some business arrangements, as seen between a
creditor and debtor, between business partners or between
employers and employees.
Principle of Subrogation
Subrogation allows an insurer to sue a third party that has caused a
loss to the insured and pursue all methods of getting back some of
the money that it has paid to the insured as a result of the loss.
For example, if you are injured in a road accident that is caused by
the reckless driving of another party, you will be compensated by
your insurer. However, your insurance company may also sue the
reckless driver in an attempt to recover that money.
BUY AND SALES HOMES AT KNOWLEDGEFINANCIAL.COM
Doctrine of Utmost Good Faith
All insurance contracts are based on the concept of "uberrima
fidei", or the doctrine of utmost good faith. This doctrine
emphasizes the presence of mutual faith between the insured and
the insurer. In simple terms, while applying for life insurance, it
becomes your duty to disclose your past illnesses to the insurer.
Likewise, the insurer cannot hide information about the insurance
coverage that is being sold.
Doctrine of Adhesion
The doctrine of adhesion states that you must accept the entire
insurance contract and all of its terms and conditions without
bargaining. Because the insured has no opportunity to change the
terms, any ambiguities in the contract will be interpreted in favor of
the insured.
Conclusion
When purchasing insurance, most of us rely on our insurance
advisor for everything - from choosing a policy for us to filling in the
insurance application forms. Most people try to stay away from the
boring legal terms of insurance contracts, but it is always handy to
be familiar with these words and phrases and to become familiar
with the terms of the policy you are paying for.
WWW.KNOWLEDGEFINANCIAL.COM
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SMALL BUSINESS, METHODS, TECHNIQUES, AND
STRATEGIES. Business structures 101. LLP, LLC, S-corp
and C-corp: It's not just alphabet soup! A breakdown of what
you need to know, in layman's terms.
Mortgage Loans Modification: SAVE YOUR HOME, SAVE
YOUR CREDIT, REDUCE YOUR MONTHLY PAYMENT, AVOID
FORECLOSURE
HOME REFINANCE: 10 GREAT REASONS TO REFINANCE A
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THE 16 DAYS THAT SHOOCK THE US ECONOMY IN
SEPTEMBER, 2008. A shocking series of events that forever
changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101: What new law says.
Here's a rundown of key provisions of the financial rescue
plan that United State Senate voted, Wednesday October 1;
and the house voted Friday October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION: When you invest
in stock, you buy ownership shares in a company. Before
You Invest; Before undertaking any investment program, it is
critical that you assess your current situation and form
goals. Evaluating a Stock, Creating an Emergency Fund
Trust Account: Definition of a Trust; Land Trust, Living Trust,
Revocable Trust. In general, a "trust" is a legal entity that is
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Your Financial Life, Three Ways to Put Your Budget
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..SAVING MONEY: THE SECRETS TO SAVE MONEY,
66 WAYS TO SAVE MONEY, WAYS TO SAVE MONEY
ON GAS...
..FINANCE: THE BANKING AND THE AMERICAN
FINANCIAL SYSTEM HISTORY, SUCCESS AND
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KNOWLEDGE, GREAT THINGS TO KNOW ABOUT THE
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| State Insurance Departments for all 50 States REQUEST INSURANCE INFORMATION, PLACE A COMPLAINT, CHECK ON AN INSURANCE COMPANY, CHECK INSURANCE LICENSES, FIND QUALIFIED AGENTS, FIND LOCATION ETC. BUY AND SALE HOMES AT KNOWLEDGEFINANCIAL.COM |
State Insurance Departments for all 50 States
ALABAMA DEPARTMENT of INSURANCE
135 South Union Street #200
Montgomery, Alabama 36130
(334) 269-3550
Minimum Limits 20/40/10
ALASKA DIVISION of INSURANCE
333 Willoughby Ave 9th Floor
Juneau, Alaska 99811-0805
(907) 465-2515
(907) 465-3422 (Fax)
Minimum Limits 50/100/25
ARIZONA DEPARTMENT of INSURANCE
2910 North 44th Street #210
Phoenix, Arizona 85018
(800) 325-2548 (In State)
(602) 912-8444
Minimum Limits 15/30/10
ARKANSAS DEPARTMENT of INSURANCE
1200 West 3rd Street
Little Rock, Arkansas 72201-1904
(501) 371-2600
Minimum Limits 25/50/15
CALIFORNIA DEPT. of INSURANCE
300 Capital Mall # 1500
Sacramento, California 95814
(800) 927-HELP (In State)
(213) 897-8921
Minimum Limits 15/30/5
COLORADO DIVISION of INSURANCE
1560 Broadway # 850
Denver, Colorado 80202
(303) 894-7499
Minimum Limits 25/50/15
CONNECTICUT DEPT. of INSURANCE
P.O. Box 816
Hartford, Connecticut 06142-08156
(860) 297-3802
Minimum Limits 20/40/10
DELAWARE DEPT. of INSURANCE
710 North King Street
Wilmington, Delaware 19801
(302) 577-3119
Minimum Limits 15/30/10
DISTRICT OF COLUMBIA DEPT. of INSURANCE
441 Fourth Street NW 8th Floor
Washington D.C. 20001
(202) 727-8000
Minimum Limits 25/50/10
FLORIDA DEPARTMENT of INSURANCE
200 East Gaines St., Larson Building
Tallahassee, FL 32399
Toll-free in state: (800) 342-2726
(850) 922-3100
Minimum Limits 10/20/10
GEORGIA INS. FIRE SAFETY COMM.
2 Martin L. King Jr. Drive (704 West Tower)
Atlanta, Georgia 30334
(404) 656-2056
Minimum Limits 25/50/25
HAWAII INSURANCE COMMISSIONER
250 South King Street 5th Floor
Honolulu, Hawaii 96813
(808) 586-2790
Minimum Limits 15/35/10
IDAHO DEPARTMENT of INSURANCE
700 West State Street 3rd Floor
Boise, Idaho 83720-0043
(208) 334-4250
Minimum Limits 25/50/15
ILLINOIS DEPARTMENT of INSURANCE
320 West Washington Street 4th Floor
Springfield, Illinois 62767-0001
(217) 782-4515
Minimum Limits 20/40/15
INDIANA DEPARTMENT of INSURANCE
311 West Washington Street # 300
Indianapolis, Indiana 46204-2787
(317) 232-2385
Minimum Limits 25/50/10
IOWA INSURANCE DIVISION
Lucas Bldg. 6th Floor
Des Moines, Iowa 50319
(515) 281-5705
Minimum Limits 20/40/15
KANSAS INSURANCE DEPARTMENT
420 S/W Ninth Street
Topeka, Kansas 66612-1678
(800) 432-2484 (In State)
(785) 296-3071
(785) 296-2283 (Fax)
Minimum Limits 25/50/10
KENTUCKY DEPARTMENT of INSURANCE
215 West Main Street
Frankfort, Kentucky 40601
(800) 595-6053 (In State)
(502) 564-3630
(502) 564-1650 (Fax)
Minimum Limits 25/50/10
LOUISIANA DEPARTMENT of INSURANCE
950 North Fifth Street
Baton Rouge, Louisiana 70804-9214
(800) 259-5300 (In State)
(800) 259-5301 (In State)
(504) 342-5900
Minimum Limits 10/20/10
MAINE BUREAU of INSURANCE
34 State House Station
Augusta, Maine 04333
(207) 624-8475
(207) 624-8599 (Fax)
Minimum Limits 20/40/10
MARYLAND INSURANCE ADMINISTRATION
501 St.Paul Place 7th Floor
South Baltimore, Maryland 21202-2272
(410) 333-2521
(410) 333-6650 (Fax)
Minimum Limits 20/40/10
MASSACHUSETTS DIVISION of INSURANCE
470 Atlantic Avenue 6th Floor
Boston, Massachusetts 02210-2223
(617) 521-7794
(617) 521-7772
Minimum Limits 20/40/8
MICHIGAN INSURANCE BUREAU
611 West Ottawa Street 2nd Floor North
Lansing, Michigan 48933
(517) 335-4978
Minimum Limits 20/40/10
MINNESOTA DIVISION of INSURANCE
133 East Seventh Street
St. Paul, Minnesota 55101
(612) 296-6848
(612) 296-4328 (Fax)
Minimum Limits 30/60/10
MISSISSIPPI INSURANCE DEPARTMENT
1804 Walter Sillers Bldg.
Jackson, Mississippi 39201
(800) 562-2957 (In State)
(601) 359-3569
(601) 359-2474 (Fax)
Minimum Limits 10/20/5
MISSOURI DEPARTMENT of INSURANCE
P.O. Box 690
Jefferson City, Missouri 65102-0690
(800) 726-7390 (In State)
(573) 751-2640
Minimum Limits 25/50/10
MONTANA DEPARTMENT of INSURANCE
126 North Sanders Rm. 270
Helena, Montana 59620
(406) 444-2040
(406) 444-3497 (Fax)
Minimum Limits 25/50/10
NEBRASKA DEPARTMENT of INSURANCE
941 'O' Street # 400
Lincoln, Nebraska 68508-3690
(800) 833-0920 (In State)
(402) 471-2201
Minimum Limits 25/50/25
ALABAMA DEPARTMENT of INSURANCE
135 South Union Street #200
Montgomery, Alabama 36130
(334) 269-3550
Minimum Limits 20/40/10
ALASKA DIVISION of INSURANCE
333 Willoughby Ave 9th Floor
Juneau, Alaska 99811-0805
(907) 465-2515
(907) 465-3422 (Fax)
Minimum Limits 50/100/25
ARIZONA DEPARTMENT of INSURANCE
2910 North 44th Street #210
Phoenix, Arizona 85018
(800) 325-2548 (In State)
(602) 912-8444
Minimum Limits 15/30/10
ARKANSAS DEPARTMENT of INSURANCE
1200 West 3rd Street
Little Rock, Arkansas 72201-1904
(501) 371-2600
Minimum Limits 25/50/15
CALIFORNIA DEPT. of INSURANCE
300 Capital Mall # 1500
Sacramento, California 95814
(800) 927-HELP (In State)
(213) 897-8921
Minimum Limits 15/30/5
COLORADO DIVISION of INSURANCE
1560 Broadway # 850
Denver, Colorado 80202
(303) 894-7499
Minimum Limits 25/50/15
CONNECTICUT DEPT. of INSURANCE
P.O. Box 816
Hartford, Connecticut 06142-08156
(860) 297-3802
Minimum Limits 20/40/10
DELAWARE DEPT. of INSURANCE
710 North King Street
Wilmington, Delaware 19801
(302) 577-3119
Minimum Limits 15/30/10
DISTRICT OF COLUMBIA DEPT. of INSURANCE
441 Fourth Street NW 8th Floor
Washington D.C. 20001
(202) 727-8000
Minimum Limits 25/50/10
FLORIDA DEPARTMENT of INSURANCE
200 East Gaines St., Larson Building
Tallahassee, FL 32399
Toll-free in state: (800) 342-2726
(850) 922-3100
Minimum Limits 10/20/10
GEORGIA INS. FIRE SAFETY COMM.
2 Martin L. King Jr. Drive (704 West Tower)
Atlanta, Georgia 30334
(404) 656-2056
Minimum Limits 25/50/25
HAWAII INSURANCE COMMISSIONER
250 South King Street 5th Floor
Honolulu, Hawaii 96813
(808) 586-2790
Minimum Limits 15/35/10
IDAHO DEPARTMENT of INSURANCE
700 West State Street 3rd Floor
Boise, Idaho 83720-0043
(208) 334-4250
Minimum Limits 25/50/15
ILLINOIS DEPARTMENT of INSURANCE
320 West Washington Street 4th Floor
Springfield, Illinois 62767-0001
(217) 782-4515
Minimum Limits 20/40/15
INDIANA DEPARTMENT of INSURANCE
311 West Washington Street # 300
Indianapolis, Indiana 46204-2787
(317) 232-2385
Minimum Limits 25/50/10
IOWA INSURANCE DIVISION
Lucas Bldg. 6th Floor
Des Moines, Iowa 50319
(515) 281-5705
Minimum Limits 20/40/15
KANSAS INSURANCE DEPARTMENT
420 S/W Ninth Street
Topeka, Kansas 66612-1678
(800) 432-2484 (In State)
(785) 296-3071
(785) 296-2283 (Fax)
Minimum Limits 25/50/10
KENTUCKY DEPARTMENT of INSURANCE
215 West Main Street
Frankfort, Kentucky 40601
(800) 595-6053 (In State)
(502) 564-3630
(502) 564-1650 (Fax)
Minimum Limits 25/50/10
LOUISIANA DEPARTMENT of INSURANCE
950 North Fifth Street
Baton Rouge, Louisiana 70804-9214
(800) 259-5300 (In State)
(800) 259-5301 (In State)
(504) 342-5900
Minimum Limits 10/20/10
MAINE BUREAU of INSURANCE
34 State House Station
Augusta, Maine 04333
(207) 624-8475
(207) 624-8599 (Fax)
Minimum Limits 20/40/10
MARYLAND INSURANCE ADMINISTRATION
501 St.Paul Place 7th Floor
South Baltimore, Maryland 21202-2272
(410) 333-2521
(410) 333-6650 (Fax)
Minimum Limits 20/40/10
MASSACHUSETTS DIVISION of INSURANCE
470 Atlantic Avenue 6th Floor
Boston, Massachusetts 02210-2223
(617) 521-7794
(617) 521-7772
Minimum Limits 20/40/8
MICHIGAN INSURANCE BUREAU
611 West Ottawa Street 2nd Floor North
Lansing, Michigan 48933
(517) 335-4978
Minimum Limits 20/40/10
MINNESOTA DIVISION of INSURANCE
133 East Seventh Street
St. Paul, Minnesota 55101
(612) 296-6848
(612) 296-4328 (Fax)
Minimum Limits 30/60/10
MISSISSIPPI INSURANCE DEPARTMENT
1804 Walter Sillers Bldg.
Jackson, Mississippi 39201
(800) 562-2957 (In State)
(601) 359-3569
(601) 359-2474 (Fax)
Minimum Limits 10/20/5
MISSOURI DEPARTMENT of INSURANCE
P.O. Box 690
Jefferson City, Missouri 65102-0690
(800) 726-7390 (In State)
(573) 751-2640
Minimum Limits 25/50/10
MONTANA DEPARTMENT of INSURANCE
126 North Sanders Rm. 270
Helena, Montana 59620
(406) 444-2040
(406) 444-3497 (Fax)
Minimum Limits 25/50/10
NEBRASKA DEPARTMENT of INSURANCE
941 'O' Street # 400
Lincoln, Nebraska 68508-3690
(800) 833-0920 (In State)
(402) 471-2201
Minimum Limits 25/50/25
NEVADA DEPARTMENT of INSURANCE
1665 Hot Springs Road #152
Carson City, Nevada 89710
(702) 687-7650
(702) 687-7651
(702) 687-3937 (Fax)
Minimum Limits 15/30/10
NEW HAMPSHIRE INSURANCE DEPT.
169 Manchester Street #1
Concord, New Hampshire 03301-5151
(603) 271-2261
Minimum Limits 25/50/25
NEW JERSEY DEPT. of BANKING INSURANCE
20 West State Street
Trenton, New Jersey 08625
(609) 292-5363
(609) 984-5273 (Fax)
Minimum Limits 15/30/5
NEW MEXICO INSURANCE DIVISION
P.O. Drawer 1269
Santa Fe, New Mexico 87504-1269
(505) 827-4601
(505) 827-4734 (Fax)
Minimum Limits 25/50/10
NEW YORK DEPT. of INSURANCE
Empire State Plaza, Agency
Bldg. # 1
Albany, New York 12257
(800) 342-3736 (In State)
(518) 474-6600
Minimum Limits 25/50/10
(50/100 for death)
NORTH CAROLINA DEPT. of INSURANCE
P.O. Box 26387
Raleigh, North Carolina 27611
(800) 546-5664 (In State)
(919) 733-7343
Minimum Limits 30/60/25
NORTH DAKOTA DEPT. of INSURANCE
600 East Blvd.
Bismarck, North Dakota 58505-0320
(701) 328-2440
(701) 327-4880 (Fax)
Minimum Limits 25/50/25
OHIO DEPARTMENT of INSURANCE
2100 Stella Court
Columbus, Ohio 43215-1067
(614) 644-2658
(614) 644-3743
Minimum Limits 12.5/25/7.5
OKLAHOMA DEPT. of INSURANCE
2401 NW 23rd Street, Suite 28
Oklahoma City, Oklahoma 73107
(405) 521-2828
(405) 521-6635 (Fax)
Minimum Limits 10/20/10
OREGON DEPT. of COMMERCE & BUSINESS INS. DIV.
350 Winter Street N.E. Room 200
Salem, Oregon 97310-0200
(503) 947-7980
(503) 378-4351
Minimum Limits 25/50/10
PENNSYLVANIA DEPT. of INSURANCE
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
(717) 787-2317
(717) 783-8585 (Fax)
Minimum Limits 15/30/5
RHODE ISLAND INSURANCE DEPARTMENT
233 Richmond Street #233
Providence, Rhode Island 02903-4233
(401) 222-2223
(401) 751-4887
Minimum Limits 25/50/25
SOUTH CAROLINA DEPT. of INSURANCE
P.O. Box 100105
Columbia, South Carolina 29202-3105
(803) 737-6150
(803) 737-6231 (Fax)
Minimum Limits 15/30/5
SOUTH DAKOTA INSURANCE DIVISION
118 West Capital
Pierre, South Dakota 57501
(605) 773-3563
(605) 773-5369 (Fax)
Minimum Limits 25/50/25
TENNESSEE DEPT. OF COMMERCE& INSURANCE
500 James Robertson Pkwy.
Nashville, Tennessee 37243-0565
(615) 741-2176
(615) 741-4000 (Fax)
Minimum Limits 20/50/10
TEXAS DEPARTMENT of INSURANCE
P.O. Box 149104
Austin, Texas 78714-9104
(512) 463-6464
(512) 475-2005 (Fax)
Minimum Limits 20/40/15
UTAH INSURANCE DEPARTMENT
3110 State Office Bldg.
Salt Lake City, Utah 84114
(800) 439-3805 (In State)
(801) 538-3800
(801) 538-3829 (Fax)
Minimum Limits 25/50/15
VERMONT INSURANCE DIVISION
89 Main Street - Drawer 20
Montpelier, Vermont 05620-3101
(802) 828-3301
(802) 828-3306
Minimum Limits 20/40/10
VIRGINIA BUREAU of INSURANCE
P.O. Box 1157
Richmond, Virginia 23218
(800) 552-7945 (In State)
(804) 371-9741
(804) 371-9873 (Fax)
Minimum Limits 25/50/20
WASHINGTON INSURANCE COMMISSION
P.O. Box 40255
Olympia, Washington 98504-0255
(800) 562-6900 (In State)
(360) 753-7301
(360) 586-3535 (Fax)
Minimum Limits 25/50/10
WEST VIRGINIA INSURANCE DEPT.
P. O. Box 50540
Charleston, West Virginia 25305-0540
(304) 558-3354
(304) 558-0412 (Fax)
Minimum Limits 20/40/10
WISCONSIN INSURANCE COMMISSION
121 East Wilson Street
Madison, Wisconsin 53702
(800) 236-8517 (In State)
(800) 236-8575 (In State)
(608) 266-3585
(608) 266-9935 (Fax)
Minimum Limits 25/50/10
WYOMING INSURANCE DEPT.
122 West 25th Street, 3rd Floor East
Cheyenne, Wyoming 82002-0440
(307) 777-7401
Minimum Limits 25/50/20
1665 Hot Springs Road #152
Carson City, Nevada 89710
(702) 687-7650
(702) 687-7651
(702) 687-3937 (Fax)
Minimum Limits 15/30/10
NEW HAMPSHIRE INSURANCE DEPT.
169 Manchester Street #1
Concord, New Hampshire 03301-5151
(603) 271-2261
Minimum Limits 25/50/25
NEW JERSEY DEPT. of BANKING INSURANCE
20 West State Street
Trenton, New Jersey 08625
(609) 292-5363
(609) 984-5273 (Fax)
Minimum Limits 15/30/5
NEW MEXICO INSURANCE DIVISION
P.O. Drawer 1269
Santa Fe, New Mexico 87504-1269
(505) 827-4601
(505) 827-4734 (Fax)
Minimum Limits 25/50/10
NEW YORK DEPT. of INSURANCE
Empire State Plaza, Agency
Bldg. # 1
Albany, New York 12257
(800) 342-3736 (In State)
(518) 474-6600
Minimum Limits 25/50/10
(50/100 for death)
NORTH CAROLINA DEPT. of INSURANCE
P.O. Box 26387
Raleigh, North Carolina 27611
(800) 546-5664 (In State)
(919) 733-7343
Minimum Limits 30/60/25
NORTH DAKOTA DEPT. of INSURANCE
600 East Blvd.
Bismarck, North Dakota 58505-0320
(701) 328-2440
(701) 327-4880 (Fax)
Minimum Limits 25/50/25
OHIO DEPARTMENT of INSURANCE
2100 Stella Court
Columbus, Ohio 43215-1067
(614) 644-2658
(614) 644-3743
Minimum Limits 12.5/25/7.5
OKLAHOMA DEPT. of INSURANCE
2401 NW 23rd Street, Suite 28
Oklahoma City, Oklahoma 73107
(405) 521-2828
(405) 521-6635 (Fax)
Minimum Limits 10/20/10
OREGON DEPT. of COMMERCE & BUSINESS INS. DIV.
350 Winter Street N.E. Room 200
Salem, Oregon 97310-0200
(503) 947-7980
(503) 378-4351
Minimum Limits 25/50/10
PENNSYLVANIA DEPT. of INSURANCE
1326 Strawberry Square
Harrisburg, Pennsylvania 17120
(717) 787-2317
(717) 783-8585 (Fax)
Minimum Limits 15/30/5
RHODE ISLAND INSURANCE DEPARTMENT
233 Richmond Street #233
Providence, Rhode Island 02903-4233
(401) 222-2223
(401) 751-4887
Minimum Limits 25/50/25
SOUTH CAROLINA DEPT. of INSURANCE
P.O. Box 100105
Columbia, South Carolina 29202-3105
(803) 737-6150
(803) 737-6231 (Fax)
Minimum Limits 15/30/5
SOUTH DAKOTA INSURANCE DIVISION
118 West Capital
Pierre, South Dakota 57501
(605) 773-3563
(605) 773-5369 (Fax)
Minimum Limits 25/50/25
TENNESSEE DEPT. OF COMMERCE& INSURANCE
500 James Robertson Pkwy.
Nashville, Tennessee 37243-0565
(615) 741-2176
(615) 741-4000 (Fax)
Minimum Limits 20/50/10
TEXAS DEPARTMENT of INSURANCE
P.O. Box 149104
Austin, Texas 78714-9104
(512) 463-6464
(512) 475-2005 (Fax)
Minimum Limits 20/40/15
UTAH INSURANCE DEPARTMENT
3110 State Office Bldg.
Salt Lake City, Utah 84114
(800) 439-3805 (In State)
(801) 538-3800
(801) 538-3829 (Fax)
Minimum Limits 25/50/15
VERMONT INSURANCE DIVISION
89 Main Street - Drawer 20
Montpelier, Vermont 05620-3101
(802) 828-3301
(802) 828-3306
Minimum Limits 20/40/10
VIRGINIA BUREAU of INSURANCE
P.O. Box 1157
Richmond, Virginia 23218
(800) 552-7945 (In State)
(804) 371-9741
(804) 371-9873 (Fax)
Minimum Limits 25/50/20
WASHINGTON INSURANCE COMMISSION
P.O. Box 40255
Olympia, Washington 98504-0255
(800) 562-6900 (In State)
(360) 753-7301
(360) 586-3535 (Fax)
Minimum Limits 25/50/10
WEST VIRGINIA INSURANCE DEPT.
P. O. Box 50540
Charleston, West Virginia 25305-0540
(304) 558-3354
(304) 558-0412 (Fax)
Minimum Limits 20/40/10
WISCONSIN INSURANCE COMMISSION
121 East Wilson Street
Madison, Wisconsin 53702
(800) 236-8517 (In State)
(800) 236-8575 (In State)
(608) 266-3585
(608) 266-9935 (Fax)
Minimum Limits 25/50/10
WYOMING INSURANCE DEPT.
122 West 25th Street, 3rd Floor East
Cheyenne, Wyoming 82002-0440
(307) 777-7401
Minimum Limits 25/50/20
REAL ESTATE: THE ROAD MAP
TO RICHES, THE BEST WAY TO
BUILD WEALTH. WE'RE HERE TO
ASSIST YOU.
SOUTH FLORIDA CALL AT:
786709-6577
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-------- WE ARE LICENSED
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FLORIDA;
PLEASE CALL Mr. ANTONY A
PROFESSIONAL REALTOR. AT:
786-709-6577 --- Fortune
International Realty. BUY AND
SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
TO RICHES, THE BEST WAY TO
BUILD WEALTH. WE'RE HERE TO
ASSIST YOU.
SOUTH FLORIDA CALL AT:
786709-6577
-----------------------------------------------------
-------- WE ARE LICENSED
REALTOR AND LICENSED
MORTGAGE BROKER...
REAL ESTATE: BUYING,
LEASING, & SELLING. --- IF YOU
NEED HELP TO SELL YOUR REAL
ESTATE PROPERTY IN SOUTH
FLORIDA;
PLEASE CALL Mr. ANTONY A
PROFESSIONAL REALTOR. AT:
786-709-6577 --- Fortune
International Realty. BUY AND
SALE HOMES AT
KNOWLEDGEFINANCIAL.COM
| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: Mortgage Foreclosure Sales, Traffic Online Service, Buy Tax Deed Sales, Public Records Search, Documents SEARCHES, Buy Tax Liens Certificates, Marriage License Application & Wedding... ETC. FREE, FREE, FREE! LEARN MORE! Make a professional license, renew a license, check on a license, register a business in the State of Florida... FREE ACCESS CLICK HERE! |
| FREE SERVICE: FREE HOME VALUE REPORT, { CMA, HOME APPRAISAL}.. HOMEOWNERS, HOME SELLERS; WHAT IS THE VALUE OF YOUR HOME? LEARN MORE.. HOME-BUYERS, BEFORE BUYING IT, YOU MUST KNOW HOW MUCH IT REALLY WORTHS. WHAT'S THE EXACT OR APPROXIMATE MARKET VALUE OF IT? LEARN MORE! |
| ..Free Insurance Quotes: Auto, Business, Health, Long-Term-care Insurance, and Life. Shop For Insurance and Compare Insurance Quotes. Business Registration: State Business Entity Registration.. State Licenses and Permits . Steps to Registering a Business. INSURANCE 101: EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE. NOW IS YOUR CHANCE TO KNOW HOW WIN THE INSURANCE GAME... HOW TO SAVE MONEY ON YOUR INSURANC, And How to Understand Your Insurance Contract? |
| Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786-709-6577 It makes good sense to have us as your Insurance Agent to help you review your insurance needs and policies. -------------------- I Will Provide You With High Quality Life Insurance and Annuity Products; Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} -----------------LIFE INSURANCE & VARIABLE ANNUITY-- I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786-709-6577 Licensed Real Estate Agent Licensed Mortgage Broker Licensed Insurance Agent |
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Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important
step in creating a solid personal financial plan. The
right insurance policies will go a long way toward
helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S
LIFE!
Your Financial Plan; Insurance is an important
element of any sound financial plan
Different types of insurance protect you and your
loved ones in different ways against the cost of
accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND
GET HIRED, START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE COMPANY IN
THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR
THOSE WHO LIVE IN MIAMI DADE AND BROWARD
COUNTY FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents
with the funds necessary to maintain their standards
of living, can help repay debt, and can fund education
tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability
for damage or injury caused by you or someone
driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend
more than is absolutely necessary on their daily bills,
the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a
number of factors into consideration in order to obtain
the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to rebuild
and refurnish your home after a catastrophe and
insulate you from lawsuits if someone is injured on
your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least
costly homeowners insurance will likely give you the
least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three
main factors affecting your insurance premium (age
and family medical history), there are steps you can
take regarding the third - lifestyle. You could lower
your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”.
In the context of life insurance, it is a contract
between you and an insurance company under which
the insurance company pays you money for a
stipulated period.
Protecting your most important assets is an important
step in creating a solid personal financial plan. The
right insurance policies will go a long way toward
helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S
LIFE!
Your Financial Plan; Insurance is an important
element of any sound financial plan
Different types of insurance protect you and your
loved ones in different ways against the cost of
accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND
GET HIRED, START WORKING IMMEDIATELY WITH
ONE OF THE GREATEST INSURANCE COMPANY IN
THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR
THOSE WHO LIVE IN MIAMI DADE AND BROWARD
COUNTY FLORIDA. LEARN MORE HERE...
Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents
with the funds necessary to maintain their standards
of living, can help repay debt, and can fund education
tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability
for damage or injury caused by you or someone
driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend
more than is absolutely necessary on their daily bills,
the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a
number of factors into consideration in order to obtain
the best coverage for your needs at a reasonable
price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on
Home Insurance?
Home-owner's insurance should allow you to rebuild
and refurnish your home after a catastrophe and
insulate you from lawsuits if someone is injured on
your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put
another way, you get what you pay for. The least
costly homeowners insurance will likely give you the
least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three
main factors affecting your insurance premium (age
and family medical history), there are steps you can
take regarding the third - lifestyle. You could lower
your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”.
In the context of life insurance, it is a contract
between you and an insurance company under which
the insurance company pays you money for a
stipulated period.
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
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Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they
take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best coverage
for your needs at a reasonable price. For instance, how much is
your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way,
you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage, and
vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of life
insurance, it is a contract between you and an insurance
company under which the insurance company pays you money
for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care
insurance plan. In this article we’ll look at some of the basic
coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period
of time due to an injury or illness, how long would
you be able to pay your bills and meet your day-to-
day expenses? LEARN MORE...
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH.
INSURANCE GENERAL KNOWLEDGE, GLOBAL
INSURANCE INFORMATION FOR BETTER CHOICES,
BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they
take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of
factors into consideration in order to obtain the best coverage
for your needs at a reasonable price. For instance, how much is
your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you from
lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way,
you get what you pay for. The least costly homeowners
insurance will likely give you the least amount of coverage, and
vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments.
“Annuity” comes from the Latin for “year”. In the context of life
insurance, it is a contract between you and an insurance
company under which the insurance company pays you money
for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care
insurance plan. In this article we’ll look at some of the basic
coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period
of time due to an injury or illness, how long would
you be able to pay your bills and meet your day-to-
day expenses? LEARN MORE...
| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? |
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy
the term, and invest the difference.
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INSURANCE PRODUCTS: How to make profits with the insurance companies?
the term, and invest the difference.
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Features While Alive and After Death... Learn
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Make Money & Save Money on Your
Insurance. Learn More...
..Term Insurance Advantages, Term Insurance
General Knowledge. Buy the Term, and invest
the difference. Learn More...
..Life Insurance Quote. Find out if You Pay too
much for Your Insurance, Or Check How Much
You Can Pay For a Life Insurance...
..Investment Products: Investing & Money
Management Basics. FINANCIAL SOLUTIONS,
TOOLS & RESOURCES. LEARN MORE...
Insurance Products: How to make profits with
the insurance companies? Learn More...
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letters, numbers, and symbols, the
latin words, The pyramid mean?
FIND-OUT...
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