Provident Car Insurance

A part of the GMAC group since 2007, Provident Insurance has over forty years of service in catering to the needs of the motoring public. The company is known as a pioneer that specialises in offering car insurance at competitive rates. The Provident Insurance have always catered to insuring older model cars and offer non-comprehensive insurance policies for women. An individual with a second-hand vehicle can evaluate the competitive insurance rates presented by the company. Provident has a reputation as a provider of insurance rates at bare minimum.

This is made possible as their target segment is restricted to a few limited customers. Not all drivers can enjoy the privilege offered by the company as unlike the other insurance companies Provident Insurance does not concentrate on high risk drivers who offer maximum premium that creates the platform to reap maximum profit. The needs of the customers are recognized and met by a team of intermediaries who acts as a connecting link between the customer and the company, presenting the drivers with the best possible deal. As the intermediary can be a representative of various insurance companies, they strive to offer their customers with a profitable product.

Through the appointment of an insurance broker, the insurance company markets its products and works to keep the costs down. These intermediaries approach the prospective customer, understand their needs, and offer them with a beneficial insurance deal based on the requirements. Offering an insurance package that covers the budget and requirements of the customer is undertaken by the mediators. Provident Insurance seeks the assistance of the intermediaries as their target segment is restricted to women drivers and older model of cars. These areas of specialisation are preferred over the others on account of the lower risk attached to it.

To the restricted clientele, the company aims to provide high quality product at lowest possible premium. So if you fall into any of these categories covered under the Provident Insurance, scrutinise the cost of insuring your car. The research can be conducted online or through the liaison with the intermediaries of the company. Call up on an insurance agent to inquire whether he is a mediator of the company or seek the contact details of those dealing in Provident Insurance in your local suburb. A thorough and well-performed research can aid in identifying the best company that offers insurance coverage to your motoring needs at a price that fits into your budget, thus making it cost-effective.

If you are interested in Provident Car insurance be sure to head over to cars stuff to check out all the details.

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Insurance Companies Listings and Ratings Guide For Insurance Agents & Brokers

Here is the newest, revised version of the best insurance companies listings. These are compiled in a top 100 ratings guide format. The listings are in alphabetical order helping insurance agents & brokers locate an insurer. Find out how your opinion compares. How can you possibly rate an insurance company? I will mention briefly the various ways, show you the method I is used for this article, and why.

BY NUMBER OF AGENTS

This ratings guide listing method evaluates the insurer by the sheer number of insurance agents & brokers currently licensed and under contract. with carrier. I feel this evaluation to be worthless for a multitude of reasons. First of all there are a number of career health and life insurance agencies that have thousands of representatives. However, of these,up to 80% of the total agents are relatively new in attempting to establish credibility in the industry. Four years down the line only 6% of many an insurance company agency force will maintain enough production to stay career representatives.

Moreover, my findings uncover inaccuracy of this method due to licensing renewal process state insurance departments impose on the insurer. Most state departments of insurance send the renewal report forms on a yearly basis. There is a fee to be paid by each ins agent renewed. What makes it difficult is the variation of different paperwork procedures by individual states for removing non-active ins reps. The paperwork consists of costly, time consuming forms and procedures for the insurance company to make any changes. Renewing all the sales representatives is often cheaper, and thus the route the insurer frequently takes. This also gives the insurance company bragging rights to how many sales people write for them.

Personally I was shown in state insurance department records as licensed for 11 years after I wrote my last case.

INSURANCE CO FINANCIAL RANKING LISTINGS
There are four or five top independent firms that employ this insurer rating of a company based on a multitude of financial factors. A lot has to do with projecting the financial stability of the insurer. This is accomplished by closely dissecting past and present financial history. It covers how the insurer investments perform, and the rate of return. An insurance evaluation also takes in consideration the amount of cash on hand, and how much exists in reserves to pay present and future claims.

There is a consensus among life insurance association members into believing that the highest rated insurers are the best of the bunch. Yet association members make up less than 12% of the total producer base. The other insurance agents and brokers, (the majority), do not agree that these are always the best ones to use for their client's needs. Logic tells you that a newer quality insurer does not have past history to start out top ranked. In my situation, clients bought what I presented them. Nearly half the time it was NOT the highest rated company by the rating firms. I however sold the client what their emotional needs demanded. Many past insurance companies with rankings in the best 100 later financially failed, and still frequently do in today's world.

BY RANKING OF PREMIUMS COLLECTED

This is a very common type of insurance company listing & ranking to produce. Insurance companies are rated by total number of premiums they collected that year. It seems rather unfair to mix annuity premiums in with all dollars collected. Producers know it is easier to sell a $20,000 annuity than a $20,000 premium term insurance policy. The other fault I find with using total premiums collected is with who actually contributed a chunk of the premiums collected. With some companies an enormous amount of these premiums were not collected by the average sales person. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

BY RATINGS IMPORTANT TO HEALTH & LIFE SELLERS

This is my way. As fair and balanced from an sales representative perspective as feasible. Premiums are collected from the 1,500,000 agents, trying to make a living by selling insurance policies in this industry. Often these sales are done one by one. Plus, of this 450,00 independent brokers, semi-independent agents and some career reps write, depending on which company, 50% to 100% of that insurance co business.

This rankings method is imposed because I find the insurance companies listing is intended to be a beneficial directory. One that independent brokers, semi-independent representatives, along with some career reps can turn to. This is a guide directory to other insurers that you may consider writing production for.

The insurance companies listing and ratings guide to the top 100 is purposely placed in alphabetical order instead of by premium or financial data. You may not agree completely with the listing, because we have left in some companies with a strong percentage of business sold in annuities, and investment products.

In the eyes of a typical health and life broker, this guide is of health and life insurance companies is about as accurate as possible.

1. Aetna 2. AIG Life Insurance Company** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co** 7. American General Life Insurance Co** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And Annuity 12. Anthem Blue Cross 13 Aurora National Assurance 14 Aviva Life and Annuity Company 15. AXA Equitable 16.Bankers Life and Casualty Company 17. Banner 18. Beneficial Life 19. C.M. Life Ins 20. Colonial Life & Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First-Penn Pacific 25.Forethought 26. General American 27. Genworth 28. Gerber 29. Great American 30. Great-West Life & Annuity 31. Guardian 32. Hartford Life and Accident Ins Company 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40.. Kansas City Life 41.. Lafayette 42.. Liberty Life Assurance Co of Boston 43.. Liberty National 44.. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Lincoln Benefit 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - America 56. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co for Life & Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance Standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. U.S. Financial 90. Union Central 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. United Investors 95. United of Omaha 96. United States Life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co of Ohio Note: Sagicor Life, Foresters, and Illinois Mutual should appear on the bottom 3 listings, replacing the companies listed above as #6, 2, and 7.

**AIG Life Insurance Company, American General Life, American General Life and Casualty Comments

This group of companies USED to be one the highest premium generating, and highest ranked insurance companies in the United States. Still, after two massive Federal Bailouts, the future is uncertain. Therefore, AIG Life is no longer deserving of being on this top 100 list guide.

GUIDE TO QUESTIONABLE LIFE INSURANCE COMPANY LISTINGS

The following insurance companies listings often could be included in different types of some top 100 Life ins company rankings IF you were evaluating premiums written. Sometimes the premiums consist of considerable amounts of annuity premiums. Also counted in would be insurers where a large portion of sales do not come from representatives and sales people. Instead it is written by security stock brokerage firms, and independent broker-dealers of variable investment contracts not governed by insurance departments. In other cases, products may be directly strictly toward teachers, the military, or credit unions. In a couple cases, there are companies with pending litigation. A representation of this mix of insurers is listed below:

1. Cuna Mutual 2. Genworth Life and Annuity 3. Harford Life and Annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. Metlife Investors USA 8. MML Bay State 9. Nationwide 10. Nationwide Life & Annuity 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah -- financial difficulties

There is a grand total of over 600 Licensed Life/Health Companies "active" in every state of the United States. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so you will find them missing from the top insurance company listings. Most states have a true actual listing count of 220 to 330 life and health home offices currently accepting new cases from licensed agents & brokers.

Advisor's predition. If I choose from the provider listings above, Foresters would be my top pick as the next rising star. Its innovative niche products are starting to create a high demand. Also watch Genworth, its stock value has zoomed and the company is very adaptive to market opportunities.

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Therefore, he enjoys telling it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing. brokerage, and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is http://www.agentsinsurancemarketing.com

Article Source: http://EzineArticles.com/?expert=Donald_Yerke

How To Track The Budgetary Issues

Currently, these limits are very low and have not been looked at in the light of rising Cost of Living Index over the years. Other avenues for providing relief to a salaried taxpayer could be a deduction for the payment of life insurance premiums for dependent parents, the enhancement of specified investment limits (for availing deductions) such as life insurance premiums, provident funds, etc. Interestingly, a global personal taxation comparison survey undertaken by Mercer in 2007 identifies India as the least favorable economy in Asia with respect to personal tax rates.

Over the years, the income tax slabs have been modified, but on each occasion, the impact has been minimal, since realignment, either has been negligible or has been accompanied by removal of other tax deductions. Hopefully, Budget 2008 will address this issue. Like salaried taxpayers, Corporates have their 'wish list' of expectations from the Budget. India's corporate tax base rate is currently pegged at 30 percent, at par with the Asia Pacific average.

However, surcharge, cess, Dividend Distribution Tax and Fringe Benefit Tax (FBT) actually raises the tax rate above the Asia Pac average. India appears well on course for matching or even beating its federal fiscal deficit target for this financial year and pushing for an even smaller shortfall next year -- thanks to the country's rapid economic growth.

Finance Minister Palaniappan Chidambaram delivers his annual budget on Feb. 29, the last full one of this administration. Analysts expect him to say he bettered a goal of cutting the federal deficit to 3.3 percent of GDP for the year to March 31 from 3.7 percent a year earlier.

However, this year's target, enshrined in a four-year-old fiscal responsibility drive, excludes the deficits of state governments. If they were included, the overall shortfall would be more like 6.0 percent of GDP, economists estimate. It also ignores off-balance sheet items, such as oil bonds issued in lieu of raising government-set fuel prices to match global trends. With world oil prices rallying strongly and hitting records just this week, the government may have to issue more bonds in coming quarters.

The main problem of the Finance Minister is the low revenue, which have been decelerating the customs revenue growth. Moreover, the excise revenue also gets low. Therefore, while making the budget the Finance Minister will obviously be focusing on better mobilization of earnings through direct and service taxes.

Nasscom addresses five issues in its pre-budget memorandum. Nasscom suggests the government to:

(1) Continue the Software Technology Park of India scheme up to 2010,

(2) Liberalize the eligibility criteria for the scheme of Large Tax Payer Unit. According to the current benchmark, those companies will be eligible only who pay an amount of 10 crores or more as advance tax.

(3) Inculcate some relevant provisions in the domestic laws so that an efficient mechanism or process for full tax credit can be provided.

(4) Start a mechanism for the Advance Pricing Agreements on the issues like, transfer pricing to ensure high tax certainty.

(5) Refund the service tax paid by the companies on the services used for exporting BPO applications and computer software

Article Source: http://EzineArticles.com/?expert=Tamal_Roy

Sourcing the Best Car Insurance Rates by Seeking Out Many Quotes

It is a sure bet that, if you have a driver's license, you either get a car insurance bill or another party gets billed for you. It's also a good bet that your rates haven't lessened in recent years. Actually, exactly the opposite is happening, am I correct? Similar to almost all other things, vehicle policy costs have skyrocketed, particularly in states with an already high cost of living, like California and Florida.

Due to that, most of us are seeking a secret - any secret - for cutting our annual auto insurance rates. Many have attempted to call nearby agents to get quotes from them. Sadly, each agent contact take plenty of time, due to the fact that each agent is required to record your private data before quoting a rate. If you go that route, you could spend a ridiculous number of hours speaking with agents or secretaries, and save little off your bill.

It's obvious then, if calling them isn't going to accomplish anything, then using your car to drive around to their places of business won't work any better. Clearly, that would take several hours, and result in the same meager savings. You could easily use up a whole morning, not to mention quite a bit of petrol, and end by saving very little on your yearly coverage rates.

Another easier method of slicing your insurance costs is getting rates from one of the huge companies that markets low rates, for instance Geico or Progressive. Some have been known to save a bundle of cash going that direction.

Unfortunately, because you're only dealing with one company, what promise do you have that they are the least expensive? The truth is, there are tons of insurers out there, all of which might offer you a progressively more greatly reduced quote. Could you ever be certain, without phoning them all, and then you're back to spending a crazy amount of time, right?

What's the answer, then? On the bright side, a solution exists, and you will find it both easy and effective. On top of that, you can know, very quickly, that you are saving the most amount of money out there. We have the internet to thank for this. Sounds awesome, doesn't it?

Normally, the process consumes only about eight minutes. A person might expect to save up to hundreds of dollars, mitigated by your own personal driver's background as well as other criteria. Without fail, savings can be huge.

After reading this, isn't it time you began clicking through and reducing your costs?

For more help, and money saving car insurance quotes, visit the website http://car--insurancequotes.com/.

Article Source: http://EzineArticles.com/?expert=Michael_Breeze

Where Do You Find the Best Car Insurance Quotes?

The prices on everything increase but it doesn't mean that you have to sit idly by and simply write your check when it comes to auto insurance. You have options to reduce your costs. Reducing costs doesn't always mean you have to tighten your belt and accept inadequate or inferior coverage. It simply means you have to become a smarter shopper.

The best car insurance quotes often come from online sites. The biggest reason for this is that these sites are able to pull the information from many different companies at one time. While each company may be equally fiscally sound, reputable and service oriented, they all have different expense experience and income. These two factors decide that amount of money that they have to charge for premiums. If they've experienced higher losses, in order to remain fiscally sound, they must increase their premiums or their income to offset this.

You can find great insurance quotes if you contact company representatives in your area, but in order to gather as much data, you'd spend hours of time talking to each company on the phone or driving there in person. If you've ever asked for a quote on the phone, you know that the receptionist often makes you wait until an insurance representative is available. What you need to ask yourself is, "How much elevator music can I endure while on hold, just to save money?" Getting the same number of quotes from one online source takes only a minute or two of your time.

Here's what to do next:

To get the best car insurance quote from top-rated companies, click here: http://Cheap-Motor-Car-Insurance.com/. You can also get free car insurance estimates.

Article Source: http://EzineArticles.com/?expert=Andy_Darwinson

Import Car Insurance Rates - 5 Surefire Ways to Chop it Down

Driving an import car? You probably already realized the average car insurance premium rates for import cars are at least 20% higher than standard rates. If you're driving one, you probably can afford it. But with world economy at its current states, it's understandable if you're looking for ways to save on your car insurance rates.

Carrying car insurance is a necessity for any licensed driver and in most states in the US is a requirement. This is true whether you're driving a locally manufactured vehicle or an import car. If you're looking for ways to reduce your unavoidable monthly expenses, looking over these requirements is a good place to begin with. The requirements specify coverage you must carry so you can request for quotes that meet the minimum legal requirements.

In addition, have a look at the following import car-specific strategies to further chop down your import car insurance rates:

1. Mind the make and model of your car. The car itself is a factor that raises your insurance rates. Import cars are more expensive, ergo, higher premium rates. Older models cost more to insure than newer ones, too.

2. Get the benefits of owner's club membership. Joining an owner's club can reduce your import car insurance premiums significantly. If you get insured through club membership, you enjoy the benefits of group discounts similar to group health insurance.

3. Check for cost-saving features and company policies. Even if you obtain insurance through an owner's club, check various plans that offer bigger savings for modifications made on import cars. For example, adding a performance filter to an otherwise unmodified 1.6-litre Honda Civic can actually improve its performance enough to earn you additional savings. This is because more and more insurance companies are going to great lengths to be more specific with their policies on car insurance from other countries.

4. Look after your no-claims discount. This applies to non-imports as well. When you're a good driver, rewards actually translate to dollar values so take care of your NCD when you're offered said discount. If you lose it, you'll lose what could potentially be the equivalent of several years' no-claims discount.

5. Be a security freak. If your car is imported from countries with little to no car crimes, such as Japan, chances are, your car comes with little or no security features as well. Probably because of the fact that it's not readily available (or it used too be), in your local market, cars from other countries are hot stuff to car-nappers. Insurance companies place a high premium on security features on these types of cars. Having alarm or tracking systems and immobilizers installed on an import car can greatly reduce your car insurance premiums.

The popularity of import cars is undeniable. Although insurance might pose a slight setback to your wanting to own one, top-notch performance at incredibly low prices make thousands upon thousands gravitate toward fuel-efficient, overall economical Japanese cars. Plus, the design makes for interesting car buff-magnet.

Looking for a car insurance price quote for your type of car? To get car insurance estimates from highly rated companies, visit Cheap-Motor-Car-Insurance.com.

Article Source: http://EzineArticles.com/?expert=Andy_Darwinson

Free Online Car Insurance Quote - A Useful Tool For Finding Low Rates

To drive a car in whatever state you may live in, we all know that there is a required minimum coverage you must have if you would avoid the wrath of the law. The minimum coverage required is dependent on the state in question. In an attempt to comply with the requirements of the state law which would make them qualify to drive in the state, many drivers simply look for any insurer to get the minimum state auto insurance cover from not considering the price. Unfortunately, what this means is that many people spend money they could otherwise have saved on their auto insurance coverage. The process of getting lower rates is much simpler than a lot of people think.

I have seen people spend a lot of time driving bargains on certain items they want to buy for their homes. Considering how we love bargains, why is it then difficult to make some effort to get low rates on our auto insurance policy? If you really want to save, then you would need to know how to compare quotes.

To get low rates, you first need to know what coverage you want after which you should go ahead to get free online car insurance quote. Getting an insight into rates charged by insurers for the coverage you want is achieved by getting free online car insurance quotes which are not difficult to get.

The first step is to visit a quotes comparison site where you would be presented a short online form. Simply fill it out and if I may add, correctly. You would then receive quotes from a number of insurance companies with which you can then start your comparison.

It is very important to be sure you are comparing the same policy. It would be very wrong to compare the price of an apple to the price of an orange. It has to be the same coverage. The importance of this can not be over emphasized as doing it wrongly could lead to decisions based on wrong information.

With careful comparison, you can enjoy a savings of almost 25% on your rates.

You can get your free online car insurance quote without the stress of leaving your home. All the information you need to make an informed decision can be gotten from the comfort of your home. All these resource are available online.

You can get some good information from your state department of insurance website. You can also get information from insurance rating sites and other independent rating sites.

Why would you throw money away on high rates when you can get your rates lowered easily? Get free online car insurance quote today and save.

How do I start my quotes comparison? Here are two very good sites to start getting your quotes. Free Online Car Insurance Quotes Affordable Auto Insurance Quotes Chimerenka Odimba is the publisher Several finance based sites. Article Source: http://EzineArticles.com/?expert=Chimerenka_Odimba

How to get the best child life insurance quotes

Getting child life insurance quotes on the net can be convenient, but are you sure that you are seeing the big picture?

You can see life insurance information child policies, but the words can be cryptic. The child life insurance coverage information could be well-hidden online too! Because child life insurance costs money, it's important to know precisely what life insurance coverage you can get. It may be best to talk to an authorized life insurance agent.

Question You Should Ask About Your Child Life Insurance

Is child life insurance really worth the premiums? Many question the importance of child life insurance. After all, if anyone needs to get insured, shouldn't it be the working parents? While this is indeed a valid argument, there are advantages to getting child life insurance.

It's not so much the benefits as it is about future eligibility. Child life insurance is especially important if your family has a history of medical illness. You see, if you get child life insurance, your child can automatically get any type of life insurance later on.

Most types of child life insurance are actually term life insurance. Child life insurance often does not build cash value and has small premiums. In order to be competitive, some life insurance agencies are providing child life insurance some features similar to whole life insurance. However, child life insurance ends when your child matures, so the cash value benefits are very minimal.

As a general rule, parents should first get themselves insurance, before their children. Because the main purpose of child life insurance is future eligibility, parents will do well to just get the cheapest child life insurance package.

Beyond everything else, they must make sure that the child life insurance will allow their children to have immediate access to life insurance later on.

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The Ins And Outs Of No Load Life Insurance

What is no load life insurance? No load insurance is fairly uncommon, but many consider it better than the average whole life insurance package. Life insurance no-load simply means that it is not commissioned-based.

The first year payments are much less compared to traditional life insurance packages. No load life insurance also has other notable features like zero cash surrender charges and earlier cash value accessibility. However, most life insurance companies still do not offer no load insurance. Still, if there is no load insurance available in your area, you should consider getting no load insurance instead.

How Does No Load Insurance Exactly Work?

No load insurance isn't exactly made to eliminate the need for life insurance agents or brokers. Instead, the fee structure of no load insurance has been changed. Life insurance advisors are paid by potential life insurance clients. This fee is considerably smaller than what one would pay with a traditionalwhole life insurance package sold through an agent.

Another advantage of a no load insurance policy is that because more of your life insurance premiums are not channeled into agent commissions, more of it can build cash value immediately. This means you can borrow from your life insurance policy in as early as a year.

Many states require that the no load insurance professional be licensed before he can provide any life insurance advice. Try to find out if your state issues such licenses, and be sure to look for it when you talk to a life insurance advisor.

No load insurance is sometimes called low load insurance. However, they are both the same. The best route is to look for a company that specializes in providing life insurance advisors.

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