KNOWLEDGEFINANCIAL.COM
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| ...REAL ESTATE MARKET: TODAY'S GREAT DEALS FOR FIRST-TIME HOME-BUYERS & FOR EVERYONE AS NEVER SEEN BEFORE! WONDERFUL OPPORTUNITY TO CREATE TREMENDOUS AMOUNT OF WEALTH... ..RICH GUIDE, WHY AREN'T RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... ..RULE OF 72: The compound interest and financial success. Rule Of 72 is the most important and simple rule of financial success. ..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset ..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!... ..GOVERNMENT: Government's general information; Local, State, and Federal. Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County ..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS... ..INVESTORS: CREATIVE FINANCING: TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY TO INVEST! The Five C’s of Credit: LEARN MORE.. CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN REAL ESTATE... ..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT.. Top 10 home-buying mistakes to avoid! HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?... ...ACCOUNTING: The Basics of Accounting... ...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU PAY... ...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors should know about... ...REAL ESTATE MARKET: TODAY'S GREAT DEALS FOR FIRST-TIME HOME-BUYERS & FOR EVERYONE AS NEVER SEEN BEFORE! WONDERFUL OPPORTUNITY TO CREATE TREMENDOUS AMOUNT OF WEALTH... ..FINANCIAL SYSTEM: THE UNITED STATES FINANCIAL SYSTEM AND THE ENTIRE WORLD. LEARN MORE... ..MONEY MANAGEMENT: Ten Resolutions to Make Your Financial Life, Three Ways to Put Your Budget On on Auto Pilot Easier, 10 Ways to Avoid Overdraft and Bounced Check Fees... .. ..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 FAILURE... .. BANKING SYSTEM, BANKING HISTORY: FINANCIAL KNOWLEDGE, GREAT THINGS TO KNOW ABOUT THE AMERICAN BANKING HISTORY... |
The Ultimate Retirement Guide for Everyone; Retire Rich, Retire Early.
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you are
no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today for a
secure tomorrow?
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you are
no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today for a
secure tomorrow?
| 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
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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
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| FREE SERVICE: CLERK OF THE AND COUNTY COURTS. Search for: .. 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! |
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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.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
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...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
..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..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
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...
LONG-TERM CARE INSURANCE: What is long-term care insurance?
Should you buy a long-term care policy? What should you look for in
a long-term policy?
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.
TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the
term, and invest the difference.
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...
INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL
SOLUTIONS, TOOLS & RESOURCES. LEARN MORE...
..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..
INSURANCE PRODUCTS: How to make profits with the insurance companies?
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...
LONG-TERM CARE INSURANCE: What is long-term care insurance?
Should you buy a long-term care policy? What should you look for in
a long-term policy?
| TALK TO A FLORIDA LICENSED INSURANCE AGENT BY CALLING AT: 786-709-6577. TALK TO A FLORIDA LICENSED REAL ESTATE AGENT AT: 786-709-6577 TALK TO A FLORIDA LICENSED MORTGAGE BROKER AT: 786-709-6577 FOR REAL ESTATE FINANCING & REFINANCING. |
| LICENSED INSURANCE AGENT: 786-709-6577 FOR INSURANCE GENERAL INFORMATION. LICENSED REAL ESTATE AGENT: 786-709-6577 FOR REAL ESTATE COMPLETE ADVICE & INFORMATION. BUYING SELLING & LEASING LICENSED MORTGAGE BROKER: 786-709-6577 FOR MORTGAGE GLOBAL INFORMATION, FINANCING & REFINANCING. |
| ''Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! GET A FREE INSURANCE QUOTE, Click Here! |
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6 Ways To Save On Insurance
Shop AroundAs with any type of shopping, do your homework to ensure that you found the best deal possible. When looking for new insurance,
get at least three quotes and compare the differences. The internet also makes it easy to have insurers bid for your business by filling out just
one application.
This can also ensure that the same policy options are chosen and the comparisons are on an apples-to-apples basis. An independent
insurance agent can also help you shop around, though they will earn a commission that may increase the cost of the insurance
1.Go Direct
Insurance agents can be extremely helpful in assisting with finding affordable insurance and identifying any discounts that can be earned, but
they receive a commission for doing so. The commission is usually included in the cost of your insurance. There are insurers out there that go
directly to consumers and cut out the insurance-agent middle man.
Direct policies may not always be the cheapest, but they have a good chance of being the most affordable option, as commissions are no
longer part of the equation. (Interested in earning some of those commissions?
1.Raise Your Deductible
A higher deductible lowers the amount an insurer is liable for and therefore can lower insurance premiums. A common deductible amount is
$250 but it can easily be raised to $500 or $1000 for nearly all types of insurance.
Insurers can easily crunch the costs of an insurance policy with the different deductibles. The savings can be substantial. For example, raising
the deductible to $1,000 from $250 can result in annual savings of 15% to 20%.
IN PICTURES:
4.Use a Single Insurer
Insurers usually offer discounts if you use them to cover your home, multiple cars, or separate jewelry or umbrella policy. Larger insurers
usually offer multiple insurance lines so it can be your best bet.
Insurers are willing to offer a discount because the fixed costs of maintaining your records and carrying out customer service are needed for
the first policy and this makes additional policies less costly.
It also increases the stickiness-factor, as it’s more difficult to switch all policies at once while maintaining the discount, and it’s also a time
consuming process that consumers may not want to deal with.
1.Avoid Claims
This point is easier said than done and it is the reason one needs insurance in the first place, but it basically boils down to avoiding smaller
claims that are likely to raise your rates.
In other words, pay for smaller claims out of monthly expenses if you can. As previously mentioned, raising the deductible also helps ensure
that only larger claims are made.
1.Pay for Insurance Less Often
Insurers usually offer the option to pay a monthly premium to cover insurance, but they usually charge extra for the convenience. Paying every
six months or annually can be slightly less expensive, and though it requires discipline to save up each month to make the payments, it can
save you money in the long run.
The Bottom Line
Again, the above tips are a way to save on insurance in general. There are thousands of other ways to save on individual types of insurance.
For instance, keeping a car in good working condition and a home with a fire extinguisher and alarm system can lower insurance costs as they
lower the chances a claim will be made. Staying healthy is perhaps the best advice for keeping health insurance costs low. Overall, though, the
above advice represents the simplest way to save on insurance.
Shop AroundAs with any type of shopping, do your homework to ensure that you found the best deal possible. When looking for new insurance,
get at least three quotes and compare the differences. The internet also makes it easy to have insurers bid for your business by filling out just
one application.
This can also ensure that the same policy options are chosen and the comparisons are on an apples-to-apples basis. An independent
insurance agent can also help you shop around, though they will earn a commission that may increase the cost of the insurance
1.Go Direct
Insurance agents can be extremely helpful in assisting with finding affordable insurance and identifying any discounts that can be earned, but
they receive a commission for doing so. The commission is usually included in the cost of your insurance. There are insurers out there that go
directly to consumers and cut out the insurance-agent middle man.
Direct policies may not always be the cheapest, but they have a good chance of being the most affordable option, as commissions are no
longer part of the equation. (Interested in earning some of those commissions?
1.Raise Your Deductible
A higher deductible lowers the amount an insurer is liable for and therefore can lower insurance premiums. A common deductible amount is
$250 but it can easily be raised to $500 or $1000 for nearly all types of insurance.
Insurers can easily crunch the costs of an insurance policy with the different deductibles. The savings can be substantial. For example, raising
the deductible to $1,000 from $250 can result in annual savings of 15% to 20%.
IN PICTURES:
4.Use a Single Insurer
Insurers usually offer discounts if you use them to cover your home, multiple cars, or separate jewelry or umbrella policy. Larger insurers
usually offer multiple insurance lines so it can be your best bet.
Insurers are willing to offer a discount because the fixed costs of maintaining your records and carrying out customer service are needed for
the first policy and this makes additional policies less costly.
It also increases the stickiness-factor, as it’s more difficult to switch all policies at once while maintaining the discount, and it’s also a time
consuming process that consumers may not want to deal with.
1.Avoid Claims
This point is easier said than done and it is the reason one needs insurance in the first place, but it basically boils down to avoiding smaller
claims that are likely to raise your rates.
In other words, pay for smaller claims out of monthly expenses if you can. As previously mentioned, raising the deductible also helps ensure
that only larger claims are made.
1.Pay for Insurance Less Often
Insurers usually offer the option to pay a monthly premium to cover insurance, but they usually charge extra for the convenience. Paying every
six months or annually can be slightly less expensive, and though it requires discipline to save up each month to make the payments, it can
save you money in the long run.
The Bottom Line
Again, the above tips are a way to save on insurance in general. There are thousands of other ways to save on individual types of insurance.
For instance, keeping a car in good working condition and a home with a fire extinguisher and alarm system can lower insurance costs as they
lower the chances a claim will be made. Staying healthy is perhaps the best advice for keeping health insurance costs low. Overall, though, the
above advice represents the simplest way to save on insurance.