New York Auto Insurance Reviews 2013: The 20 Largest Companies & their NY State Complaint Records & Rankings

This review will show you the twenty largest companies insuring private passenger vehicles in New York, ranking them from best to worst, based on their number of upheld complaints filed with the New York State Department of Financial Services. Most consumers fail to check the complaint records of their insurance companies, and are unaware of all the major auto insurance companies in their state. The information I provide in this review not only helps you evaluate your auto insurance company, it helps you know about the other leading companies, so you can shop for lower rates and better service. I update this review or write a new review with the latest complaint statistics each year, so bookmark or place my website in your favorites! Continue reading

Term Life Insurance Age 50 – 59 Review: The Best Rates for People Age Fifty through Fifty-Nine (and older)

This term life insurance age 20 – 29 review will show you the best prices for people in their fifties. Using the pricing information in this review can help keep you from overpaying for your term life insurance. However, if you are age 50 years or older, you should question whether you should be looking to buy term insurance or a permanent life insurance policy. If you follow anyone writing about personal finance, almost all of them say the only type of life insurance anyone should buy is term life insurance. This may be the best strategy for many people in their 20s, 30s, & 40s, trying to “buy term and invest the difference.” When you are younger, term life insurance is inexpensive, so you can buy enough term life insurance to cover you during your working years, and use the money you would have used to buy the more expensive permanent life insurance, to invest in the stock market to get a better return. For example, say you buy a $750,000 30 year term life insurance policy at age 32. By the time the policy expires when you are 62, your kids are grown, your mortgage is paid off, and the 30 years of investment returns has built a large retirement account your spouse can use should you die. Continue reading

Term Life Insurance Age 45 – 49 Review: The Best Rates for People Age Forty-Five through Forty-Nine

This term life insurance age 45 – 49 review will show you the best prices for people in their middle to late Forties. It’s difficult to find the best deal for term life insurance by searching for the lowest rates on the Internet. You may not qualify for the best rates you see on the Web, or the low rates advertised by some agents or life insurance companies. For example, $250,000 of term life insurance for as little as $22 a month, may cost a whole lot more money for you, when your application is approved by the life insurance company. You could be in very good health with no medical problems, and still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the best price for which you qualify, with each term life insurance company.

Many agents and companies you contact may brag about their competitive term life insurance rates, but some insurance companies charge much more than other insurance companies for the same term life insurance coverage. A $ 300,000 20 year term life insurance policy for a 46 old female non-smoker at standard rates costs $608 a year with Ohio National Life Assurance Corporation, $663 with Cincinnati Life Insurance Company, $680.52 with TIAA-CREF Life Insurance Company, and $816 with Guardian Life Insurance Company of America. Change one variable, like the amount of coverage, length of the term, the health class, age, sex, etc., & the life insurance companies with the most competitive rates will change. This blog article reviews the best term life insurance rates for men & women age 45 to 49, for smokers and non-smokers, so you know if you are quoted a competitive price, when you are shopping for term life insurance. Continue reading

Term Life Insurance Age 35 – 39 Review: The Best Rates for People Age Thirty-five through Thirty-Nine

This term life insurance age 35 – 39 review will show you the best prices for people in their middle to late thirties. It’s hard to shop for the lowest term life insurance rates on the Web. You may not qualify for the lowest rates you find online, or the teaser rates advertised by agents or life insurance companies. For example, $300,000 of term life insurance for as little as $20 a month, may cost a lot more for you, after your application is approved by the insurance company. You may be in good health with no medical conditions, but still not qualify for a term life insurance company’s lowest rates. You can’t shop based on price, until you know the lowest price you qualify for with each term life insurance company.

All life insurance agents or companies you contact will brag about their competitive term rates, but some companies charge a lot more than others for the same coverage. A $300,000 20 year term life insurance policy for a 36 year old female non-smoker at standard rates costs $335 a year with Ohio National Life Assurance Corporation, $361 with Hartford Life and Annuity Insurance Company, $381 with AAA Life Insurance Company, and $442 with Northwestern Mutual Life Insurance Company. Change one thing, like the amount of coverage, length of the term, the health rating class, age, sex, etc., and the companies with the most competitive rates will change. This review shows you the best term life insurance rates for men & women age 35 to 39, for smokers and non-smokers, so when you are shopping for term life insurance, you’ll know if the rates you are quoted are competitively priced. Continue reading

Louisiana Home Insurance Reviews 2013: The Major Companies, their Customer Complaint Records, & JD Power Ratings

If you want choose the best home insurance for you, you need to know the major companies offering coverage in your state. Your home is probably your biggest investment, so you want to make sure you choose a good home insurance company, with a reputation for good customer service, and a better than average complaint record. This review will show you the 20 leading home insurance companies in Louisiana, their complaint ratings based on home (homeowners/condo/renters/mobile home) insurance complaints filed with a state’s department of insurance for the last 3 years (2010, 2011, & 2012), and their claims & customer satisfaction ratings, if surveyed by JD Power. Continue reading

Term Life Insurance Age 40 – 44 Review: The Best Rates for People Age Forty through Forty-Four

This term life insurance age 40 – 44 review will show you the best prices for people in their early forties. It’s difficult to find the best deal for term life insurance by searching for the lowest rates. You won’t possibly qualify for the best rates you see on the Web or the low rates advertised by some agents or life insurance companies. For example, $300,000 of term life insurance for as little as $15 a month, may turn into a whole lot more for you, when your application is approved by the life insurance company. You may be in very good health, but still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the best price for which you qualify, with each term life insurance company.

Almost all agents and companies you contact will brag about their competitive term life insurance rates, but some companies charge much more than others for the same coverage. A $ 400,000 20 year term life insurance policy for a 40 year old female non-smoker at standard rates costs $530 a year with EMC National Life Company, $562 with United of Omaha Life Insurance Company (Mutual of Omaha), $619 with AAA Life Insurance Company, and $719 with Nationwide Life and Annuity Insurance Company. Change one thing, like the amount of coverage, length of the term, the health class, age, sex, etc., & the companies with the most competitive rates will change. This blog post reviews the best term life insurance rates for men & women age 40 to 44, for smokers and non-smokers, so you know if you are quoted a competitive price, when you are shopping for term life insurance. Continue reading

Term Life Insurance Age 30 – 34 Review: The Best Rates for People Age Thirty though Thirty-Five

This term life insurance age 30 – 34 review will show you the best prices for people in their early thirties. It can be hard to shop for the lowest term life insurance rates. You may not qualify for the lowest rates you find online, or advertised by agents or life insurance companies. For example, $500,000 of term life insurance for as little as $17 a month, may turn into a lot more for you, once your application is approved by the insurance company. You may be very healthy, but still not qualify for a life insurance company’s lowest rates. You can’t shop based on price until you know the lowest price you qualify for with each term life insurance company. Any life insurance agent or company you contact will brag about their competitive term rates, but some companies charge a lot more than others for the same coverage. A $500,000 20 year term life insurance policy for a 33 year old female non-smoker at standard rates costs $390 a year with Royal Neighbors of America, $495 with New York Life Insurance Company, $504 with MetLife Investors USA Insurance Company, and $530 with Pruco (Prudential) Life Insurance Company. Change something like the amount of coverage, length of the term, the health rating class, age, sex, etc., and the companies with the most competitive rates will change. This blog post reviews the best term life insurance rates for men & women age 30 to 34, for smokers and non-smokers, so you know when you are shopping if term life insurance rates you are offered are competitively priced. Continue reading