Insurance Sector

With all the hustle and bustle of the holiday season, it’s easy to lose track of where your cats are and what trouble they might be getting into. Having pet insurance as a backup is always a good idea— but here are some holiday health tips to keep your kitty safe this season.

1. Decadent Food Be careful not to overdo it by giving your cat foods that may cause digestive upset. Avoid feeding table scraps indiscriminately during the festivities, and remind guests not to sneak tidbits to your cats either. Also remember that chocolate can be toxic or even fatal to dogs and cats, especially unsweetened cocoa or baking chocolate. The

Read more…

Auto insurance is intended to protect drivers in the event of an accident. Your auto insurance coverage will help you pay for damages and injuries caused by your driving, as well as payments for your own injuries and damages in some situations.

Therefore, it is important to ensure you have all of the coverage you need. Not all auto insurance policies are created equally. It is up to you to ensure that you have everything you need without purchasing too much coverage. Save on your auto insurance policy with our FREE comparison tool!

State Minimums

Each state issues its own laws in regard to the amount of coverage each driver is required to carry in auto insurance.

Read more…

Landlords will need to adjust the way they finance their investments and purchases, as lenders become more reluctant to offer them deals with high loan-to-value (LTV) rates.

In the residential sector, a certain amount of hesitancy has come to characterise mortgage providers since the collapse of the sub-prime market in the US contributed to the global recession.

Generally speaking, landlords who treat their investments as a business to raise rental income are more reliable, and often already have a large number of properties against which to borrow.

However, Mortgages for Business, which specialises in buy-to-let deals, believes that this general reticence, prompted by the continual economic gloom, is now invading the landlords sector.

LTVs of 75 per cent and below to be expected

Gary Elley, relationship manager at the company, explains that landlords typically expect to be able to secure finance with an LTV of 85 per cent, meaning they can borrow 85 per cent of the total value needed to purchase a property.

However, he believes that such high LTVs will become increasingly rare, with most lenders only prepared to go as high as 75 per cent LTV.

“In the present climate, it is going to be 75 per cent and below – that is where lenders are going to be comfortable,” he told those in attendance at the recent Landlord & Letting Show in Birmingham.

Read more…

Major broker group Austbrokers expects premium increases in the SME sector and is already seeing significant rises in domestic classes, CEO Lach McKeough told last week’s AGM.

He says the broker market will continue to consolidate in 2012, providing opportunities for Austbrokers, which has $20 million available for acquisitions.

“There is also increased competition emerging for acquisitions,” he said.

Mr McKeough says Austbrokers’ earnings for the first four months to October 31 were “pleasing” but 40% of the group’s profit is earned in the last two months of the financial year.

The group maintained its previous earnings guidance of a 5-10% increase in net profit after tax this financial year.

While there had been rate increases in the personal and SME sectors this year, Mr McKeough said professional indemnity and directors’ and officers’ insurance rates remain soft due to excess capacity.

“Underwriters have generally continued their push for rates to increase, particularly after the floods and Cyclone Yasi,” he said. “Risks with any degre

Read more…

Set for Life Insurance is proud to offer discounts on disability insurance for physcian assistants in all 50 states.

As a physician assistant, it is important to protect your income with a policy that will cover you if you can’t work in your field of specialty as a physician assistant, even if you are able to work in another specialty or other occupation.

Set for Life has the largest portfolio of disability insurance discounts in the country. Wh

Read more…

Santa Rosa life insurance agents can direct you toward the best plan for you and your family. Whether you have decided on a universal, term or whole life Santa Rosa life insurance policy, you will need to undergo a medical exam to determine what you will pay for your policy. While the exam will be done in the privacy of your Santa Rosa home or your CA office, a medical exam can cause some stress if you don’t know what to expect. While each company may perform their own variation of tests as part of the medical exam, the exam for a Santa Rosa life insurance policy is pretty standard.

Medical Exam for Santa Rosa Insurance

The goal of the medical exam is to determine what you will pay the insurance company for your life policy.

Read more…

Lee Roy Hartung was a classic American eccentric.

Hartung, a man who lived off and on for nearly forty years in a pole barn with no running water, loved beautiful and interesting things which other people no longer found interesting or useful.

It was this appreciation of those castoffs and items lost to time that led Lee Hartung to amass a collection of cars, motorcycles and assorted memorabilia which recently sold at auction for $4 million.

Lee was a character, said Dale Walksler, a friend and confidant of Hartungs.

Read more…

Cinnamon’s family was excited; their 3-year-old seven pound Chihuahua had just given birth to 6 puppies! Cinnamon was a light chocolate brown color and her puppies looked just like her. It was her first litter and everything seemed to be going great. About two weeks after giving birth though, her family noticed something was terribly wrong. Cinnamon started to have a slight all over muscle tremor that quickly progressed through the day to almost seizure-like twitching and convulsing. A

Read more…