Deter and Detect Identity Theft

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by Brandon Nguyen May 10, 2012 in Insurance Quotes

Nationwide and its partners provide coverage to help you keep your good name.

The Federal Trade Commission estimates that almost 9 million Americans a year are the victims of identity theft. No matter how your personal information is used, the effect is devastating—and re-establishing your identity can be time-consuming and stressful.

That’s why Nationwide offers Identity Theft Coverage, with options that help you prevent identity theft as well as recover from it.

Prevention
“We just released a new, free feature for Identity Theft policyholders called Online Data Protection,” says Deidre Abbitt, Nationwide Identity Theft Product Manager. These tools from Nationwide and Europ Assistance USA® protect sensitive data while you’re surfing the Internet.

  • DataScramblerTM protects your keystrokes from key logging attacks. “If you’re

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Why You Need 30-Year Term Life Insurance Instead of 20

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by Brandon Nguyen May 09, 2012 in Insurance Quotes

When considering life insurance policies, especially at a young age, thirty years may seem excessive. After all, by the age of 55, should you not expect to be retiring with a paid-for home and money in the bank? Why should you extend your life insurance term to 65, assuming you are 35 at the age of purchase?

There are very good immediate reasons to choose a thirty-year term policy over a twenty-year term, and one of the biggest is price. You will most likely pay far less per unit for a thirty-year term policy than a twenty-year term policy, simply because the risk of your death is spread over a much larger pool of paying customers. Most insurance companies also like to give incentives for thirty-year policies because they make more money from these policies.

How does a thirty-year policy really benefit you? In the long run, what matters is your family’s security. I

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Watch How You Answer Travel Questions on Life Insurance Applications

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by Brandon Nguyen April 07, 2012 in Insurance Quotes

Have you ever regretted something that you have done in the past?  Maybe you are contemplating doing something and in that moment and you realize there might be a negative effect as a result.  Now, did you ever think that you could be penalized for something you think you may do at some point in time?

Yes, it’s true. Some life insurance companies actually decline your application for life insurance based on the fact that you answered their question about future potential travel in a way they deem to be a risk. Insurance companies have been doing risk assessment for years this is just one aspect of assessing the risk you pose.

The International Travel Question

Depending on whom you are and what you do for work this question, asked on your life insurance application, might prove to be the reason you are denied coverage. In the case of work, perhaps you are in local, state or even federal government. If

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Exclusions in Property Insurance

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by Brandon Nguyen March 29, 2012 in Insurance Quotes

Keeping your personal property safe is important. Property insurance coverage protects your property against many risks. But have you thought about the exclusions in your property insurance policy?

The article Property Insurance Coverage Exclusions: 5 Basic Exclusions in Your Property Insurance Policy will help you understand what exclusions are in your property insurance.