Cruise Travel Insurance

Whether you're planning a family cruise around the South Pacific or a once in a lifetime voyage to Antarctica - It's vital to have travel insurance while traveling on the high seas.

We're the best place to compare cruise travel insurance online.

Goldfish lets you compare cruise travel insurance online, choose a policy that fits your needs and saves money in the process. Choose from a range of reputable, established providers, and get online discounts on your policy of up to 30%. We can help insure you're protected in the event of anything from a travel delay to a helicopter evacuation.

Find your policy today!
Share:

Life insurance rates

Life insurance rates are based on a number of factors, including the type of policy purchased (Term Life, Group Life, Whole Life, Universal Life, Variable Life), the age of the person insured, and health of the person insured. Even with all of those variables, there are several things everyone can do to reduce the cost of their life insurance. The classic and best reason for buying life insurance is to protect your family from financial instability in the event of your premature death.


Start a life insurance program when you're young. Every adult should consider starting a life insurance program while young and in good health. The most important factor in determining life insurance premium rates is the age of the person to be insured. 

The second most important factor is the health of the person to be insured. Don't use tobacco. If you are a smoker, you should quit. Most insurance companies have several tiers of rates, including a lower tier for non-smokers and a higher tier for smokers. Many companies will offer a lower tier rate to former smokers who are tobacco free for 12, 24, or 36 months or more. If you purchased life insurance while you were a smoker and are now smoke-free, contact your life insurance company or shop around to see if you are now eligible for lower rates.

Take care of yourself. Eat healthily, limit alcohol consumption, exercise, and watch your weight. Not only will you feel better, but you'll also probably lower your life insurance rates.

Be prepared for a medical exam. Depending on your age and the amount of insurance you are applying for, some insurance applications may require you to give a blood sample. Be sure to fast for twelve hours before this test to get accurate results.

Comparison shop. Prices for the same life insurance coverage can vary greatly. Compare several insurance plans from different insurance companies and agents before making a selection. Wells Fargo offers an online term life insurance shopping service that compares rates from some of the nation's top insurance providers.

Take advantage of Group Insurance plans at work. Many employers offer Group Life insurance coverage as an optional employee benefit. Group insurance plans generally provide term insurance coverage at very low rates. Employees are often eligible for group life insurance coverage regardless of health. Family riders providing coverage for your spouse and children can often be added to a Group Life plan at a very low cost.

Update your coverage according to life changes. Create a financial plan and be sure the life insurance you have meets your current needs and financial obligations as you get married, purchase a home, and have children. If you marry or divorce, make sure you review and change the beneficiary on all of your life insurance, if necessary.
Share:

Disability Basics

Refer Us Disability Buying Tips


Steps: Learn about the elements of a disability plan. The benefits period is how long the policy will continue to provide you an income. The elimination period is the time between when you're injured and when you start getting benefits. Most policies provide benefits to age 65, but offering only two years of benefits is not unheard of. Be clear on what type of coverage you have. Find out if your employer offers a disability plan. It's not common, but it is out there. Make sure your plan provides enough coverage. Most long-term disability plans replace only 60 percent of a base salary, up to a maximum of $5,000 per month in benefits (bonus and commission income is not covered).

Know what is covered. Many disability insurance policies have strict guidelines for which disabilities are covered and which are not. For example, mental disabilities and incapacitation are gray areas. Read the fine print. Calculate your financial needs. If you were laid up for a year, how much would you need for you and your family to live? Be sure to factor in future expenses, like college educations. Bring your financial picture into focus and compare that to the coverage. Being underinsured can be a big financial risk. Shop around for a disability plan if your employer doesn't offer one. Contact agents and search online sites that give rate quotes.

Large insurance providers all offer disability packages. Supplement your company's plan with individual long-term disability coverage if your employer's program won't cover all of your family's expenses.

Individual coverage can go as high as $10,000 to $15,000 per month, but it's tax-free if you pay the premium. Expect to pay a sizable premium. Don't be surprised if your annual premium tops $1,800. Tinker with your policy so you get adequate coverage without paying too much. The less you settle for in monthly benefits, the lower your premium.

Overall Tips: If you can only afford limited disability coverage, try to protect yourself with as much savings as possible. If the coverage is too expensive, increase the elimination period, say from 60 days to 90 days, to cut your costs. You can buy optional riders that provide for cost of living and future earnings increases. If you are in your 20s or 30s, this may be a good addition to consider.
Share:

Get insurance quote

Hello, I have State Farm insurance and decided to shop around to see if I could indeed save money on my car insurance. I was told about this site from my daughter who said she save over $150.00 and I thought I would try it out. I received 4 free quotes instantaneously from AIG insurance, AARP insurance, Safeco Insurance, and Liberty Mutual. After reviewing the quotes, I found that my State Farm Insurance was comparable with the other quotes. Thanks for trying to help but I will stick with my StateFarm insurance policy.

This quick and easy to use service makes shopping for automobile insurance simple. At get insurance quote, you will get the cheapest and most affordable car insurance quotes available. Our partners provide you with the best quotes on the market. We do not have local agents but provide some quick facts about major insurance carriers below who may have agents in your area. To get your free quotes from getinsurancequote, enter your zip code and fill out the form with some basic information. It's fast and will save you money on your car insurance. Getting insurance quotes has never been easier!

Share:

Short Term Car Insurance

Short term car insurance policy is a type of car insurance policy that provides your car with a cover for only a short period of time. There are many reasons why you may need this short term car insurance cover. One of these reasons is when you are test driving a car that you are interested in. Anything can happen when you are test driving the car. To protect yourself, get a short term car insurance cover.

You may also need a short term car insurance cover when you are borrowing another person's car. You might have borrowed a friend's car to drive or to move stuff around. You should protect the car and yourself by getting a temporary car insurance cover.

If you have teenagers in the house that you are interested in teaching how to drive, it's important that you protect the car by getting a temporary car insurance cover. You can get a one week, one month or any other policy that might be favorable for you.

It's common for people to take their cars to a new country. If you recently moved to a new country with your car, you should get a temporary car insurance cover that will cover your vehicle while you are in this new country.

It's also recommended that you get a temporary car insurance cover if you recently bought a new car but you are yet to get a permanent car insurance cover. The short term car insurance policy will protect your car while you are in the process of getting a permanent cover. 

Finding the right short term car insurance policy


If you compare the short term car insurance policy with annual or any other car insurance policy you will find that the short term car insurance policy is expensive. The main benefit is that you pay for what you need. The short term car insurance policy also has the benefit of being straightforward. To get it you don't need to visit the car insurance company. Most of the car insurance companies allow you to purchase it online. All you need to get it is a valid driver's license, your name, address and you will be able to get a quote in a matter of minutes.

It's good to note that all vehicles don't get the same quote. The amount that you get depends on many factors such as the car insurance company, the age of your vehicle, your location, and your driving history. Obviously, if you have a bad history you will be required to pay a large amount of money. 

How to get a cheap short term car insurance cover


There are many ways in which you can get a cheap short term car insurance cover. One of the ways is keeping your record clean. As mentioned, your driving history is an important factor considered by the car insurance company. To attract a lower quotation, be a keen driver.

You should also be keen on the car insurance company that you are working with. Different car insurance companies have different rates. To be on the safe side go with a reputable car insurance company charging favorable rates.

If you are looking to insure for days is a wide range of short term car insurance policies that you can go for. One day, one week, and even one-month car insurance policies to choose from.
Share:

Recents

Popular

Recent Posts