Geico Auto Insurance, Get the Facts

The Government Employees Insurance Company (GEICO) car insurance used to be available only to government agents. Now, they have become a very competitive car insurance company for the general public. GEICO car insurance is a wholly owned subsidiary of Berkshire Hathaway and boasts well known people such as Warren Buffet and Bill Gates on its board of directors. In 2001 the founder of GEICO car insurance, Leo Goodwin was inducted to the International Insurance Society Hall of Fame because of the success of the company.

GEICO car insurance is one of the most popular budget car insurance companies around and is one of the largest companies in the United States, as a matter of fact as of 2006 GEICO had provided coverage for more than 10 million motor cars, trucks and over vehicles. The company grew to this size based on a concept in the mid 1930’s of offering lower premiums to consumers by lowering marketing costs by carefully targeting customer groups. Tony Nicely is now GEICO car insurance’s CEO and sums up their way of thinking pretty much the same as the original plan of the 1930’s as: excellent coverage, low prices, outstanding customer service.

GEICO car insurance is regarded as the one to beat by many insurance companies and is considered a leader in the industry. GEICO car insurance is provided in the District of Columbia and all U.S. states except Massachusetts. GEICO car insurance is now the largest car insurer in New York, Maryland, the District of Columbia and Hawaii, and is almost at the the top in several other states.

GEICO car insurance not only offers low car insurance, but also offers extra savings when you have additional safety and anti-theft devices or if you take out a multi-policy. Considering many house-holds have more than one car the multi-policy discount is a big plus.

GEICO car insurance also performs outstandingly well when it comes to customer services, with a 97% customer satisfaction rate. Customer service lines are always available, in case you should ever require them.

Getting a quote is easy and fast, simply fill in your details and you will receive your quote immediately. Obtaining your quote online is the best way to go, no waiting on the phone to speak to a representative, and you can easily make adjustments to your excess to see how the premium is effected. GEICO car insurance is the nation’s largest direct writer of private car insurance, saving you more money that would otherwise have been spent on employing insurance agents.

GEICO car insurance does not stop the savings at just providing you with discount car insurance, they also have the GEICO Privileges program, entitling you to a range of discounts on everyday items or larger purchases like travel & entertainment.

In conclusion, GEICO is hard to beat when you consider their track record for discount rates and superb customer satisfaction. If you are looking for budget reliable car insurance GEICO car insurance is a great choice.

11 Points to Convince – Why Critical Illness Policy

The world is growing at rapid pace, and the carbon emission is making its way to the atmosphere faster. Today, pollution, change in climate, global warming, and other calamities are common. Undoubtedly, this is affecting the world at large; but the worst is on human health. The recently concluded climate conference in ‘Paris – France’ have warned cities like ‘New Delhi, Beijing, etc’ to lower their level of pollution in the air. This dangerously high level of pollution in the air is making people sick. The kids and old people are especially vulnerable to such harmful gases.

In recently concluded survey, 80% children in the capital city of New Delhi is suffering from lung ailments, breathing problem, asthma, epilepsy, and other inherited diseases. This early childhood vulnerability is going to cost them their youth and old age. This is not a curse, but an alarm for people to save the generation arriving in near future. However, it’s not only the children and old people who are vulnerable; the report further made it clear the people between age group of 20 – 45 are more susceptible to critical illnesses of any nature.

What can we do to protect ourselves and our next generation?

We need to first change our lifestyle
Our lifestyle must comprise of healthy food habit, skin care, exercise or yoga, and annual health checkup
Minimum of 6 hours of sleep is necessary for our body and maximum of 8 hours sleep is required for a strong immune system
Organic food are recommended over chemical based foods
Junk food is total no
Cover our mouth and nose when going out
Drink always mineral or purified or filtered water
Follow the pollution check of your vehicles
Keep surroundings clean and garbage free
Follow government orders to curb pollution and contribute as a citizen
Have a strong health care policy to eradicate the risk of sudden strike by a critical illness

The eleven points are the base of starting a healthy life from tomorrow. This is the beginning and the going is tough; so always secure your future based on today. The experts always focus on health first and recommend opting for ‘critical illness policy’.

Why critical illness insurance cover?

The atmosphere and surrounding we live is full of life risk pollutants
The lifestyle in urban cities are self destructive
The future is uncertain and sometime diseases attack our immune structure without forewarning
The critical diseases are not seldom, in today’s 21st century
Treatment for critical illnesses are very costly and sometime financially devastating
Emotional trauma becomes worse, if financial crisis hits the rock bottom
The life of near and dear ones become unstable
Sometime the financial pressure to get recover or cover hospital expenses affect the education of children

These 8 points are not a part of critical illness cover, but if you ignore the insurance cover you may become a victim; with the above mentioned problems. Let’s check the 20 critical illnesses covered by the insurance policy for general awareness.

Cancer
End Stage Renal Failure
Multiple Sclerosis
Benign Brain Tumor
Motor Neuron Disorder
End Stage Lung Disease
Major Organ Transplant
Heart Valve Replacement
Coronary Artery Bypass Graft
Stroke
Paralysis
Myocardial Infarction
Major Burns
Coma
Blindness
Parkinson’s Disease before the age of 50 years
Alzheimer’s Disease before the age of 50 years
End Stage Liver Disease
Bacterial Meningitis
Aplastic Anemia

So, be assuring of aids and assistance from the insurance cover, when you need it the most. You can check with the reputed insurance company for more details and features about critical illness policy.

Buying a Home in Toronto (G-T-A) Blog Series Part 3 – Information for First Time Home Buyers

Buying your first home is a very exciting process, but it can also be a very overwhelming and stressful one. Help eliminate this stress and make buying a home in Toronto a smooth and trouble-free process by following these steps for first time home buyers:

Know how much you can afford and how much you qualify for before you even start looking. Finding a house and falling in love with it before you know how much of a mortgage you can afford and qualify for can mean heartbreak – either for you or your pocket! Set out your monthly budget and figure out what an affordable, manageable monthly mortgage payment would be.

Now it is time to get the funds to buy a house. Find a mortgage broker so that you know that you are going to get the best mortgage at the lowest interest rate. A mortgage broker will work with the different banks in order to secure this for you! They will also explain the different types of mortgages available to first time home buyers, and the advantages of each.

Make sure that you have thought about – and saved – a down payment. “No down payment” mortgages are available, but in order to secure a low interest rate and to decrease the amount of your monthly mortgage payment, having a down payment is essential when buying a house. Look at the different options available to you in order to amass that down payment, including saving or the RRSP Home Buyers’ Plan, which allows first time home buyers to use up to $25000 tax free from your RRSP to purchase a home.

Secure the services of a real estate agent. These professionals will be able to help take the hassle out of buying a house that meets your needs/wants, and save you the time of having to wade through all of the real estate listings out there. Go to open houses and look at different properties, and always keep in mind that as a first time home buyer no house may seem perfect – but it may be the perfect house for you!

Know the costs associated with a real estate closing. A down payment and a mortgage are not the only costs associated with buying a home in Toronto. First time home buyers need to be aware of the various other fees that come with buying a house. These other costs are important to remember:

– Home Inspection – a home inspector will inspect the house to make sure that it is safe and to let you know of any repairs that are required.

– Real Estate Lawyer – your real estate lawyer will go through all of the legal paperwork and make sure you understand your rights and responsibilities as a homeowner.

– Land Transfer Tax – this tax is calculated based on the value of the property. There are substantial rebates on this for first time home buyers.

– Home Insurance – required by the bank, this will protect your home and property from incidents such as fire or theft.

Buying a home – your first home – should be a very exciting experience. Just keep in mind that it is a complex process that involves some important steps that you cannot ignore. By using these easy tips to guide you in your home buying process, you can save yourself time, money and stress. Being a first time home buyer does not need to be intimidating – it should be fun – so just be prepared and take advantage of the services available to you to make it so!

What makes Online Term Insurance Pocket Friendly

The ongoing reforms in the insurance sector in India have paved way for a number of customer-friendly products and policies. Today, if you want to buy an insurance policy, you would come across dozens of large and established corporate houses providing insurance services in the country. The proliferation of online platforms further makes exchange of information more smooth and robust. As a matter of fact, it is much easier to adopt online platforms for buying an insurance policy. Here are the top reasons why it is cheaper to go for an online term insurance.

Cost of marketing

Traditional marketing is much more expensive for insurance companies. Also, they find it difficult to track the impact of marketing schemes offered through media such as newspapers, magazines and outdoor advertising. But in the case of online media, the impact of a marketing campaign could be tracked with the help of tools and technologies. This is one of the major reasons, why insurance service providers are choosing this platform over traditional media.

But how does it matter to you as a consumer? It does. Because the cost of marketing is ultimately borne by an end customer. If this cost goes down, an insurance service provider comes into a position to pass on this benefit to consumers. There are chances that a consumer gets more attractive pricing and additional benefits on buying online term insurance.

Elimination of middlemen

Online transaction eliminates the middlemen. In this case, the insurance service providing company saves on the commission being paid to an agent. Again, this benefit could be passed on to the consumer. The benefit may not come as a direct benefit as such costs are not revealed openly in the public domain. However, they affect the company’s cost of operations and profitability.

Instant updates and information exchange

Buying an Online Term Insurance Plans In India also enables you to operate your online account. All the information about your policy is available at the click of a mouse. You do not have run from pillar to post at insurer’s offices to get details about your policy. An online account is much more efficient and you find yourself empowered enough.

Security

An online term insurance rule out the possibilities of loss of policy, which may happen in case of physical policy. Loss of physical policy document becomes painful as a policy holder has to file an FIR (First Information Report) at the police station, then inform the service provider and undertake a procedure to get another copy. But in case of an online term insurance, all these aspects do not come under play at all. A win-win situation for both company and consumer. However, Insurance seekers should go ahead and compare various insurance plans provided by insurers in order to find the best suited insurance plan to the consumer. This insurance comparison is done using insurance comparing websites such as policy.com.This website provides a detailed analysis of the terms and conditions governing the insurance plans.