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Jessica Farrell's Articles

  • Whole Life Insurance Advice—Is It Better?
    If you have decided that whole life insurance is the route you want to take, you need to be well-aware of both its pros and its cons.

    Whole life insurance covers you for your entire life, as opposed to term life insurance which only covers you for a certain number of years. However, with that additional coverage comes additional costs. Isn’t that the way things always happen? With whole life insurance, not only are you paying for the cost of the insurance, but you are also...
  • Things To Look For When Choosing An Individual Health Insurance Company
    There are a plethora of Health Insurance providers online, most offering fairly competitive policies at decent rates. The sheer amount of choice makes it confusing when you're trying to decide between companies, and if you don't know what to look for you may miss out on a good deal, or worse, be stung by hidden costs or not receive the cover you paid for.

    The first thing to look for when choosing an insurance company is to make sure that the terms and conditions are stated...
  • The Top Five Home Owner Insurance FAQ
    Whether you are a new home owner, or have owned your home for a longer period of time, there’s no doubt you have many questions about home owner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about home owner insurance.

    1. As a home owner, am I required to have insurance? Yes, in most cases, especially if you have a lender. It’s also wise to look into insurance if you are in the process o...
  • Term vs. Whole Life Insurance - Which Is Best For You?
    If you are looking into purchasing life insurance, you have probably heard about both term life insurance and whole life insurance. Before you decide on one or the other based on what you have heard or what your insurance agent tells you, you need to understand the meanings of “term” and “whole,” and familiarize yourself pros and cons of each one (and how these pros and cons will affect you).

    First, we have term life insurance. It covers its policyholders for a certain am...
  • Term Life Insurance Rates - The More You Know The More You Save
    If you’re in the market for a term life insurance policy, here are a few money saving tips to help you keep the premiums down.

    1. Buy when you are young healthy: Life insurance rates, although they contain fees, and a myriad of expenses, are primarily based upon the statistical chances of a person dying in a given year. Insurance companies use their own experience plus the statistical information collected by the government. The statistics are used to calculate the yearly ...
  • Purchasing Car Insurance Online - Some Things To Know About Online Insurance
    The Internet has been a blessing to both the Insurance Industry and consumers who want access to a wide range of providers quickly. The benefits of purchasing your car insurance online are many, here's a few of them.

    For starters, you have an unprecedented ability to compare and contrast between policies online, simply flicking between windows, or in some cases taking advantage of specialty brokers who will send you a comparative cost quote in very short order.

    If the s...
  • Is There Discount Term Life Insurance Out There?
    First of all, we’ve all heard of life insurance. Many of us even have it. But what is term life insurance? The meaning of term life insurance is in its name—it covers its policyholders for a certain amount of time—a certain term. It costs much less (except for the very elderly) than whole life insurance and can be covered in two types of premiums—level-term and annual renewable. The premiums of level-term stay the same throughout the duration of the policy and can usually be ...
  • Finding Your Best Life Insurance Company
    Purchasing life insurance is a big decision, and we all want the best coverage for the least cost. However, money is not the only factor that goes into choosing a life insurance company. Below are five factors that separate best life insurance companies from the average ones. You will want to consider when choosing the best life insurance company, and policy, for you.

    First, after you have shopped around a bit, thrown out the definite “no way’s” and decided on a couple of ...
  • Getting A Good Car Insurance Rate For Your Teen - Saving Money When You Need It Most
    If you'd like to insure your teenager to drive your car, be prepared to pay through the nose. It's an unfortunate fact of life that young people tend to have more accidents than their older counterparts, and insurance companies know this all too well.

    There may be some variance in the Teen rate your insurance company provides depending on the sex of the child, with males being a higher risk than females, and therefore more expensive to insure. Over all, the likelihood of s...
  • Getting Life Insurance Protection Online - The Internet Can Provide Very Low Rates
    There's been a revolution in the Insurance market, and its been heralded by the ability of companies to go online and compete in a marketplace that does not depend on them having a branch in your specific town, or advertising through television or radio.

    Because of the lower costs associated with offering insurance online, you the consumer can now access much better life insurance deals online than ever before. Getting your Life Insurance online means that you can contrast...
  • How Can I Save Money On My Homeowners Insurance Rates?
    Why should your homeowner’s insurance carrier receive any more of your hard earned money than they should? Here are a few pointers to help you to reduce your premiums and put that money right back into your pocket.

    1. Raise your deductible: Depending on the state in which you live and your insurance carrier, raising your deductibles from $250 to $5,000 per claim could save anywhere from 5 to 25% of your premium.

    2. Buy your policies from the same insurance company: Insu...
  • How To Find Very Cheap Car Insurance
    No one wants to pay for more than what they’re actually getting, and no one wants to pay for services they don’t need. The same is true whether you’re purchasing telephone services or car insurance. If you’re looking for very cheap car insurance (and who isn’t?), take these tips into consideration.

    1. It’s easier to find very cheap car insurance during a soft market, also called the buyer’s market, rather than a hard market, also called the seller’s market. During a soft m...
  • How To Get Really Cheap Car Insurance - Sometimes Cost Is The Most Important Thing
    So you'd really rather not have to pay for car insurance at all, but you have to. Them's the breaks I guess, but you can save money on that insurance and get your premiums super low if you use your head. Here are a few tips to get those premiums down.

    Get only 3rd party insurance. The easiest way to reduce costs is to reduce cover. Most states require that you have minimum 3rd party insurance, but any extra is up to you. Of course that means if your car is stolen then you'...
  • Individual Health Insurance Coverage - A Little Help To Understand The Facts
    Choosing the right type of individual health insurance is an important step in looking after yourself. The main three choices when it comes to Individual Health Insurance coverage are Fee-for-service, HMO and PPO.

    Fee for service means that you can go to any doctor in the country and you do not need referrals for specialists. This is the most flexible type of cover, and often the most expensive too. You pay a monthly premium and a yearly deductible which is a payment you m...
  • Do You Have Medical Insurance Coverage?
    We all need medical insurance coverage. Although we can not always predict when we are going to need it, we can almost be sure that at some point we are going to need it. Whether you pride yourself in rarely ever getting sick, or you have an illness or condition that you will deal with for life, medical insurance coverage just makes sense.

    Whether you are choosing to purchase medical insurance coverage independently or are choosing from a variety of policies available thr...
  • Do You Need A Long-Term Care Insurance Provider?
    When purchasing insurance, most of us take care of the immediate needs—car, health, home, even renter’s insurance—and we search for those providers according to location, coverage, rates, etc. But many of us don’t consider looking into long-term care insurance, much less long-term care insurance providers. There’s a good reason for this. Not everyone needs a long-term care insurance provider. However, some folks do and they fall into two main categories—the elderly, and peopl...
  • Cheap Sports Car Insurance - Some Tips To Save Money For Those Who Like To Drive Fast
    Lets face it, this is probably not going to happen. Sports cars are expensive to buy, to run and to insure. However, you can keep your premiums down if you take a few common sense measures.

    Getting your insurance online is probably the easiest way to start saving. Companies offer discounts to people who purchase their insurance online, and it is very convenient for the purchaser as well. You can compare between policies quite easily on the Internet, and also receive quotes...
  • Affordable Texas Health Insurance - Get Insurance Cheap In The Lone Star State
    Change is never easy, and amendments to Texas Law have seen the Health Insurance market explode with a multitude of health plan options. While more competition is always a good thing, it can sometimes be very confusing to consumers who want to get the best deal, but are confused by the sudden array of choice.

    There is also the added confusion that not all health plans have to contain all benefits, meaning you've suddenly got a whole lot of policies that may or may not con...
  • Affordable Individual Health Insurance
    There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that there are savings in numbers; the more people in a plan, the better the savings for each member.

    In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing or mailings, you may be able to ...
  • Cheap Term Life Insurance - Lowering Those Rates May Be Easier Than You Think
    Term Life Insurance is insurance that covers you for a specific period of time only. As such, it is already one of the cheaper forms of Life Insurance. Here are a few ways to get even more value for money on your Term Life Insurance.

    First of all, look after yourself. Staying in good health will have a dramatic effect on your premiums. Quit smoking, exercise frequently, and make sure that you eat well. You'll feel better, and so will your wallet.

    Term Life Insurance is ...
  • A Word About Child Medical Insurance
    We love our children. From the moment we realize they are making their way into this world, we begin making plans for them. We want the best of everything for them, from homes and communities to schools and activities. We strive to raise them in safe, healthy, nurturing environments in hopes that they will grow into and remain safe, healthy, nurturing adults throughout their lives.

    Child medical insurance must be included in our plans for our children. Children are consta...

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