New Insurance Policy

NEW INSURANCE POLICY WORLDS: Manulife announced its new insurance product, Synergy, life insurance, critical illness insurance and disability insurance combined in one package with an application to manage a payment plan.

"For many of us significantly, the combined risk of disability, illness or death before the age of 65, and the financial consequences can be devastating," said Michael Doughty, Executive Vice President, individual insurance. "While these risks are insurance products to consumers now have separate changes Synergy purchasing decisions and buying a stand-alone policy and the cost is often too expensive .."

Synergy offers a "pool of money" for claims against serious diseases, disability insurance and death on demand. Benefits paid to each of the basins in case of serious illness or disability will reduce the amount of the pool for the death benefit. This concept is revolutionary new insurance because no insurance company in North America is the combination of services and bundled applications.

This new design offers the potential for synergies insurance savings when purchasing three stand-alone policy. For example, a non-smoker, age 30, men to buy $ 250 000 in synergy insurance up 34% over three stand-alone policy to save.

"With Synergy, we help families turn their life insurance needs, they should not be able to work and protect their incomes," said Paul Smith, vice president, marketing and product development, individual insurance . 'We have a gap in the market and I wanted to Canadians with a simple solution to save money in the real everyday risks that they can cover. "
Research points to need for new insurance plans

A recent survey by Manulife Financial were conducted, showed that:

    * Nearly six in 10 respondents said the provision for their families when they die, have been affected.
    * Seven out of 10 were very or somewhat concerned about the financial implications of not working for the situation over a longer period of time due to injury or illness.
    * Less than 60% of respondents said they have an individual life insurance, only 21% have an individual disability insurance, and only 13% said they have a personal protection against serious diseases.
    * A total of 92% of Canadians surveyed do not plan that includes three products, individual life, disability insurance and critical illness.

Discount Car Insurance

INSURANCE WORLDS: Auto insurance is not cheap, but it is something that you absolutely must have, as required by the state. So how can you save money on insurance for your car? Well, that's a good possibility, car insurance discount. There are many companies that offer good deals on insurance, which covers you for accidents, but before you go looking, you should know that there are different types of insurance at a reduced price for your car.

One of the most important ways you can get a discount on your insurance is kept to an absolute minimum you need to buy. Check to see the requirements of your state auto insurance, what kind of PLPD - or the personal liability and property damage - insurance you need. This is basically the type of insurance that protects other people, if you're the only one who are actually causing an accident or, say, running into the fence in the front yard of someone. This insurance will be reduced mainly to the insurance company not a big risk on you because they do not pay, if someone hits your car or your car is damaged by hail or whatnot.

You can also auto insurance discount to your questions about all sorts of discounts you can get to ask a particular society. Some companies, for example, which offer their customers discounts for good drivers, and other business discounts to students with good grades. Still other companies offer discounts for more than a car with them or for the insurance of your car and your house or apartment with them. In an interview with agents is a good place to find out where to save money get discounts on insurance for your car.

Another thing to consider is that it is important that one of the best deals on car insurance shop. You're probably at how different the prices of a company are to be astonished at the next comparison. The ads are right: you can literally save hundreds of dollars per year, sometimes by transferring your insurance company. Therefore, it is really important that you check your insurance costs every month to ensure that the best possible deal. Fortunately, you can easily check, discount auto insurance online through a variety of specialized search engines and websites that make the process much easier.