Buying Life insurance often seems like a daunting and unnecessary task, but neither statement needs to be true. Buying Life Insurance can be simple, if given the right tools and the need for life insurance is a matter of financial responsibility.

Before diving into the process of purchasing, it’s important to understand which type of insurance you may need. There are two types of life insurance, Term Life insurance (temporary) and Permanent life insurance (such as whole or universal). Both types of policies offer financial benefits for the policy holder or their beneficiary to protect against death or life-altering accidents. Which type of insurance to purchase is dependent upon the needs of the insured and the purpose for which you are seeking life insurance.

To better understand which type is best for you, let’s take a look at the two types of insurance and what they offer:

TERM LIFE INSURANCE

Term life insurance is often the easiest and cheapest type of insurance to purchase. Term Life is an excellent source of added insurance, especially during the work years of life. The benefits of purchasing term life insurance are it’s initial affordability and renewability.

Term Insurance can be purchased relatively cheap and is carried for a specified period of time (referred to as relevant term). This type of insurance is paid, dollar for dollar, there is no equity and no cash value to the holder. Upon death, the insurance would pay out to the beneficiary (person designated by insurance holder) the cash benefits. The cash is often used to cover debts incurred such as mortgage, loans, funerals and college tuition for dependents.

The fixed term of the insurance is set dependent upon your needs. You can set it for one year, with a renewable term. The downside is that each year you have to prove insurability and in general the cost of purchasing the insurance will increase. Once the policy has reached it’s date of expiration, you can opt to renew the insurance, at an increased cost.

WHOLE LIFE INSURANCE or PERMANENT LIFE INSURANCE

Whole life insurance policies or permanent insurance carries less initial investment as compared to the cost of Term Life insurance rates. The policies are held over a longer period of time and often are paid out with death as long as the payments are made and current.

The downside to purchasing whole life insurance is the overall cost of the insurance vs. the benefits. In other words, will the amount you pay in premiums be worth the pay-out benefits when you need them? It’s important to get an accurate idea of what the cost vs payout will be from an authorized insurance provider.

On the upside, whole life insurance increases in value and can often, if needed, be borrowed from by the insured prior to cashing in the policy. This benefit can often assist a family during tough financial times.

When deciding which type of life insurance policy suits you best, consider the purpose of the policy, the cost and the payout. An authorized insurance agent can often help you decide which policy will best meet the needs of you and your family.

The internet can be a wonderful tool to assist you in comparing rates on various types of insurance against various companies. This is a great first step to purchasing life insurance, but should not be the only step.

It’s important to do your homework when shopping for life insurance. Like any other financial investment, knowing the pros and cons of each company can be beneficial in the long run to prevent surprises when trying to cash in the policy. You can check up on the rating of insurance companies through a variety of national life insurance rating policies and can be found on the web.

Purchasing life insurance can be beneficial and offer financial security once you understand the basics.

About this Author

To learn more about best type life insurance [http://lifehealthplan.net] check out our Web Site at [http://lifehealthplan.net]

Buying Life insurance often seems like a daunting and unnecessary task, but neither statement needs to be true. Buying Life Insurance can be simple, if given the right tools and the need for life insurance is a matter of financial responsibility.

Before diving into the process of purchasing, it’s important to understand which type of insurance you may need. There are two types of life insurance, Term Life insurance (temporary) and Permanent life insurance (such as whole or universal). Both types of policies offer financial benefits for the policy holder or their beneficiary to protect against death or life-altering accidents. Which type of insurance to purchase is dependent upon the needs of the insured and the purpose for which you are seeking life insurance.

To better understand which type is best for you, let’s take a look at the two types of insurance and what they offer:

TERM LIFE INSURANCE

Term life insurance is often the easiest and cheapest type of insurance to purchase. Term Life is an excellent source of added insurance, especially during the work years of life. The benefits of purchasing term life insurance are it’s initial affordability and renewability.

Term Insurance can be purchased relatively cheap and is carried for a specified period of time (referred to as relevant term). This type of insurance is paid, dollar for dollar, there is no equity and no cash value to the holder. Upon death, the insurance would pay out to the beneficiary (person designated by insurance holder) the cash benefits. The cash is often used to cover debts incurred such as mortgage, loans, funerals and college tuition for dependents.

The fixed term of the insurance is set dependent upon your needs. You can set it for one year, with a renewable term. The downside is that each year you have to prove insurability and in general the cost of purchasing the insurance will increase. Once the policy has reached it’s date of expiration, you can opt to renew the insurance, at an increased cost.

WHOLE LIFE INSURANCE or PERMANENT LIFE INSURANCE

Whole life insurance policies or permanent insurance carries less initial investment as compared to the cost of Term Life insurance rates. The policies are held over a longer period of time and often are paid out with death as long as the payments are made and current.

The downside to purchasing whole life insurance is the overall cost of the insurance vs. the benefits. In other words, will the amount you pay in premiums be worth the pay-out benefits when you need them? It’s important to get an accurate idea of what the cost vs payout will be from an authorized insurance provider.

On the upside, whole life insurance increases in value and can often, if needed, be borrowed from by the insured prior to cashing in the policy. This benefit can often assist a family during tough financial times.

When deciding which type of life insurance policy suits you best, consider the purpose of the policy, the cost and the payout. An authorized insurance agent can often help you decide which policy will best meet the needs of you and your family.

The internet can be a wonderful tool to assist you in comparing rates on various types of insurance against various companies. This is a great first step to purchasing life insurance, but should not be the only step.

It’s important to do your homework when shopping for life insurance. Like any other financial investment, knowing the pros and cons of each company can be beneficial in the long run to prevent surprises when trying to cash in the policy. You can check up on the rating of insurance companies through a variety of national life insurance rating policies and can be found on the web.

Purchasing life insurance can be beneficial and offer financial security once you understand the basics.

About this Author

To learn more about best type life insurance [http://lifehealthplan.net] check out our Web Site at [http://lifehealthplan.net]

What is insurance?

Insurance is a means of providing protection against financial loss in a great variety of situations. It is a contract in which one party agrees to pay for another party’s financial loss resulting from a specified event.

Insurance works on the principal of sharing losses. If you wish to be insured, against any type of loss, agree to make regular payments, called premiums, to an insurance company. In return, the company gives you a contract, the insurance policy. The company promises to pay a certain sum of money for the type of loss stated in the policy.

History

Insurance is thousands of years old. The Code of Hammurabi, a collection of Babylonian laws of 1700BC, is believed to be the first form of credit insurance. A borrower did not have to repay a loan if personal misfortune made it impossible to do so. Insurance as we know it today can be traced to the Great Fire of London in 1666, which devoured 13,200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings.

Types of Insurance

Insurance generally covers situations involving pure risk – that is, situations in which only losses can occur. Such situations include fire, floods and accidents. People also buy insurance to cover unusual types of financial losses like, a dancer might insure her legs against injury. There are mainly three types of insurance policies sold:

1. Life Insurance

A life insurance policy provides that the insurance company will pay a certain amount when the person dies. This may be paid in a lump sum or in installments to the beneficiary [people named by the policyholder to receive the death benefit]. Some types of life insurance policies also enable policyholders to save money. Such policies have a cash value. A policyholder may borrow money against the cash value or surrender the policy for its cash value.

Annuities

These are savings plans sold by insurance companies to provide a fixed and regular retirement income. If the annuitant [owner of the annuity] dies before receiving the guaranteed number of payments, the insurance company must continue the payments to the beneficiary.

Dividends

Some insurance policies refund part of the premiums in the form of dividends. Such policies are called participating policies. An insurance company pays dividends if the money it collected in premiums exceeds the amount needed to pay benefits and administrative costs. Dividends may also include a share of the profits the company earned on investments made with premium funds. Dividends are most commonly paid on life insurance.

2. Private Health Insurance

Health insurance pays all or part of the cost of hospitalization, surgery, laboratory tests, medicines, and other medical care. The rising cost of medical care has increased the need for adequate health insurance. You could suffer a major financial hardship without such coverage, especially in case of a serious illness or accident.

Dental insurance is one of the fastest-growing types of health insurance. It helps pay for a wide variety of dental services.

3. Property & Liability Insurance

Individuals and businesses buy property and liability insurance to protect their assets against financial loss. Property insurance provides direct compensation if a policyholder’s possessions are damaged, destroyed, or lost as a result of perils. Liability insurance protects individuals and businesses against possible financial losses if their actions result in bodily injury to others or in harm to property owned by others.

The main types of individual coverage are:

o Homeowners Insurance

This provides protection against losses from damages to an owner’s home and its contents.

o Automobile Insurance

This is the most widely purchased and most important kinds of insurance. Drivers are legally responsible for any costs arising from accidents they cause. This insurance protects a policyholder against financial losses from accidents.

Financial viability of Insurance Companies

Financial stability and strength of the insurance company should be a major consideration when purchasing an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool with less attractive payouts for losses).

How Insurance Is Sold

Most insurance companies sell policies through agents. Exclusive agents are employees of an insurance company who sell only that company’s policies. Independent agents sell policies for several companies.

About this Author

David Dugan is a contributing author to the insurance information site http://insurance.divinfo.com/, a site that has information on auto, homeowners, life, pet and many other kinds of insurance as well as the retirement site http://retirement.divinfo.com

According to Wikipedia, insurance is:

“Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss”

Insurance can be Personal or Business one, but the main goal of insurance is to insure you or your business against a possible loss. Term insurance can be described as:

- A small loss that prevents a large, possibly devastating loss.

Insurance protects you against financial loss in a future if you have an accident. Insurance is a contract between you – a policyholder (person or entity buying the insurance), and the insurance company. Policyholder’s payments are called premium.

At Free Insurance Quotes Site we have some great offers that you don’t want to miss! Feel free to fill out the form and do the insurance quote. Most important – it’s free of charge and you can save up to $550 for year or more!

There are a lot of types of insurance, but let’s stick with the main ones:

Auto Insurance

Auto insurance also known as

- vehicle insurance

- car insurance

- motor insurance

It is purchased for cars, trucks, motorcycles and other vehicles. The primary use of auto insurance is to provide protection against losses incurred as a result traffic accidents.

There were more than 180 million automobiles in USA in 2006. About 175 million were covered by auto insurance companies. It’s the largest auto insurance market in the world. There are more than 35 million automobiles in Russia. About 34 million are insured as well. China – 10 million insured automobiles.

Auto insurance provides:

a) Property coverage – it pays for thief or damage of your car

b) Medical coverage – it pays for your responsibility to others for bodily injury or property damage

c) Liability coverage – it pays for the cost of treating injuries, lost wages or even funeral costs.

Insurance premium varies for males and females, teenagers and adults. According to the statistics males drive more miles than females and consequently have a proportionally higher accident involvement at all ages. Teenagers who have no driving record will have higher car insurance premiums as well.

Owners of sport cars, motorcycles would have higher insurance premiums as opposed to compact cars, midsized cars and electric cars.

Your auto insurance policy is a contract, most polices are issued from six months to one year period. In USA, Russia, Brazil, Japan auto insurance company should notify you by mail, phone or any other method to renew your policy.

Home Insurance

As auto insurance, home insurance provides compensation or insure you against damage of a home from disasters. Sometimes it’s called hazard insurance or homeowners insurance as well. In the real estate industry it is abbreviated as HOI.

This is the type of insurance that covers private homes. It can include:

- losses occurring to one’s home

- loss of home use

- home contents

- loss of other personal possessions of the homeowner

In some geographical areas, it is necessary to buy additional insurance plan for certain types of disasters, for example:

- flood insurance

- earthquakes

- war

They excluded from original policy plan and require additional coverage. Home insurance policy is a lengthy contract. It names what will and what will not be paid in the case of various events. It can be seasonal or long term.

Home insurance company should notify you by mail, phone or any other method to renew your policy.

Health Insurance

Health insurance is the type of insurance that pays for medical expenses. It also known as:

health coverage
health care coverage
health benefits

Policy can be purchased by individual or company on group basis to cover its employees. Health insurance policy is a lengthy contract. Policyholders should pay premiums to help protect themselves from unexpected healthcare expenses. Insurance contract can be renewable annually or monthly.

In 2008 approximately 84% of USA citizens have health insurance:

About 9% purchase health insurance directly
About 60% obtain it through an employer
About 20% of Americans obtain health insurance from various government agencies.

In 2006, there were 16% of Americans (47 million people) who were without health insurance. Average spending is higher in the individual market. Many medical expense plans include coverage for dental expenses. Stand-alone dental insurance is also available.

Health care system is mainly in private hands in USA. Hospitals and doctors generally funded by payments from patients and insurance.

Hospitals provide some outpatient care in their emergency rooms and specialty clinics, but primarily exist to provide inpatient care.

In 2008 a report by the Commonwealth Fund ranked the USA last in the quality of health care among the 19 compared countries. According to the Institute of Medicine of the National Academy of Sciences, the United States is the “only wealthy, industrialized nation that does not ensure that all citizens have coverage”.

Life Insurance

Life insurance is also known as life assurance. Insurer (or Life Insurance Company) agrees to pay sum of money upon the occurrence of the policyholder’s death, illness, critical illness, terminal illness or other event. Policyholder pays a fee at regular intervals or in lump sums. This fee is called a premium.

Life insurance can be:

Temporary.

It’s life insurance coverage for a specified term of time for a specified fee (premium). Usually premium buys protection in the event of death and nothing else.

Permanent

Type of insurance that remains in force until the policy matures (in other words pays out), unless the policyholder fails to pay the specified fee when due.

As with most insurance policies, life insurance is a contract between the insurer and the policyholder whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

Insured events that may be covered include:

Protection policies
Investment policies
Illness

Each contract may include limitations of the insured events. Usually they a written to limit the liability of the policyholder: for example claims relating to war, suicide or fraud. Any misrepresentations by the insured on the application will cause the nullification of the contract.

Upon the insured’s death or illness the insurance company requires acceptable proof before it pays the claim. For example list of necessary documents that required upon the policyholder’s death:

Death certificate
Completed, signed and notarized claim form

If insured’s death looks suspicious, it can be investigated by insurance company before deciding whether it has an obligation to pay the claim. Proceeds from the policy may be paid as a lump sum or as an annuity.

About this Author

At Free Insurance Quotes Site [http://freeinsurancequotessite.net/] we have some great offers that you don’t want to miss! Feel free to fill out the form and do the insurance quote. Most important – it’s free of charge and you can save up to $550 for year or more!

Buying Life insurance often seems like a daunting and unnecessary task, but neither statement needs to be true. Buying Life Insurance can be simple, if given the right tools and the need for life insurance is a matter of financial responsibility.

Before diving into the process of purchasing, it’s important to understand which type of insurance you may need. There are two types of life insurance, Term Life insurance (temporary) and Permanent life insurance (such as whole or universal). Both types of policies offer financial benefits for the policy holder or their beneficiary to protect against death or life-altering accidents. Which type of insurance to purchase is dependent upon the needs of the insured and the purpose for which you are seeking life insurance.

To better understand which type is best for you, let’s take a look at the two types of insurance and what they offer:

TERM LIFE INSURANCE

Term life insurance is often the easiest and cheapest type of insurance to purchase. Term Life is an excellent source of added insurance, especially during the work years of life. The benefits of purchasing term life insurance are it’s initial affordability and renewability.

Term Insurance can be purchased relatively cheap and is carried for a specified period of time (referred to as relevant term). This type of insurance is paid, dollar for dollar, there is no equity and no cash value to the holder. Upon death, the insurance would pay out to the beneficiary (person designated by insurance holder) the cash benefits. The cash is often used to cover debts incurred such as mortgage, loans, funerals and college tuition for dependents.

The fixed term of the insurance is set dependent upon your needs. You can set it for one year, with a renewable term. The downside is that each year you have to prove insurability and in general the cost of purchasing the insurance will increase. Once the policy has reached it’s date of expiration, you can opt to renew the insurance, at an increased cost.

WHOLE LIFE INSURANCE or PERMANENT LIFE INSURANCE

Whole life insurance policies or permanent insurance carries less initial investment as compared to the cost of Term Life insurance rates. The policies are held over a longer period of time and often are paid out with death as long as the payments are made and current.

The downside to purchasing whole life insurance is the overall cost of the insurance vs. the benefits. In other words, will the amount you pay in premiums be worth the pay-out benefits when you need them? It’s important to get an accurate idea of what the cost vs payout will be from an authorized insurance provider.

On the upside, whole life insurance increases in value and can often, if needed, be borrowed from by the insured prior to cashing in the policy. This benefit can often assist a family during tough financial times.

When deciding which type of life insurance policy suits you best, consider the purpose of the policy, the cost and the payout. An authorized insurance agent can often help you decide which policy will best meet the needs of you and your family.

The internet can be a wonderful tool to assist you in comparing rates on various types of insurance against various companies. This is a great first step to purchasing life insurance, but should not be the only step.

It’s important to do your homework when shopping for life insurance. Like any other financial investment, knowing the pros and cons of each company can be beneficial in the long run to prevent surprises when trying to cash in the policy. You can check up on the rating of insurance companies through a variety of national life insurance rating policies and can be found on the web.

Purchasing life insurance can be beneficial and offer financial security once you understand the basics.

About this Author

To learn more about best type life insurance [http://lifehealthplan.net] check out our Web Site at [http://lifehealthplan.net]

Auto insurance is a contract that protects your financial security in case of an accident. Although it is not mandated by federal law, the purchase of auto insurance is usually a requirement in most states; every state (with the exception of New Hampshire and Wisconsin) have minimum insurance laws.

These two states, instead of having insurance requirements, have mandated financial responsibility laws, so that the owner of a car is required to show that he has sufficient funds to pay any necessary claims. If said owner cannot produce proof of satisfactory assets, then he must buy an auto insurance policy. Regardless of the law, having good auto insurance is practical for the driver who wishes to avoid lawsuits or immense repair bills.

According to the Insurance Information Institute (III), a basic auto insurance policy is comprised of six basic types of coverage. While some of these types of coverage are required by state law, some are considered optional.

These are: 1. Bodily injury liability 2. Property damage liability 3. Medical payments or Personal Injury Protection (PIP) 4. Collision 5. Comprehensive 6. Uninsured/Underinsured motorists coverage

Liability Insurance

Liability coverage is the foundation of any car insurance policy, and is required in most states. If you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills. Bodily-injury coverage pays for medical bills and lost wages.

Property-damage coverage pays for the repair or replacement of things you wrecked other than your own car. The other party may also decide to sue you to collect “pain and suffering” damages.

Liability insurance (both bodily injury and property damage) is the foundation of most auto insurance policies and is ideal if you are seeking a low cost car insurance policy. Every state that requires auto insurance mandates the purchase of property damage liability, and Florida is the only state that requires auto insurance but does not call for bodily injury liability. If you are at fault in an auto accident, your liability coverage will pay all the expenses, bodily injury, property damage, and any legal bills. The bodily injury coverage would pay for medical bills and lost wages; the property damage coverage would pay for any auto repairs, or replacement. Property damage liability usually repairs damage to other vehicles, but can also cover damages to things such as lamp poles, fences, buildings, or anything else that your car may have struck.

Remember, although purchasing only the minimum can get you a cheap auto insurance rate, if you cause a serious accident, minimum insurance may not cover you adequately. That’s why it’s a good idea to buy more than what your state requires. If you own a home and have nest egg and a savings account, you should consider more liability insurance because, in most states, drivers are allowed to sue other drivers who injure them in car accidents. If you’re sued and your liability insurance doesn’t pay for all of the damages, your personal finances are on the hook, and it’s likely you’ll become a target.

Collision and Comprehensive Coverages

If you cause an accident, collision coverage will pay to repair your vehicle. You usually can’t collect any more than the actual cash value of your car, which is not the same as the car’s replacement cost. Collision coverage is normally the most expensive component of your car insurance rate. By choosing a higher deductible, say $500 or $1,000, you can keep your premium costs down. However, keep in mind that you must pay the amount of your deductible before the insurance company kicks in any money after an accident.

Insurance companies often will “total” your car if the repair costs exceed a certain percentage of the car’s worth. The critical damage point varies from company to company, from 55 percent to 90 percent.

Comprehensive coverage will pay for damages to your car that weren’t caused by an auto accident: Damages from theft, fire, vandalism, natural disasters, or hitting a deer all qualify. Comprehensive coverage also comes with a deductible and your insurer will only pay as much as the car was worth when it got wrecked.

Because insurance companies normally will not pay you more than your car’s book value, it’s helpful if you have a rough idea of this amount. Check the Kelley Blue Book or the National Automobile Dealers Association. If your car is worth less than what you’re paying for the coverage, you’re better off not having it.

Neither collision nor comprehension insurance is required by any of the states, but some lenders, when the owner finances the car, may require the purchase of collision and comprehensive in the loan agreement. Even when it is not required, collision and comprehensive coverage is highly recommended by the insurance industry, so that in the unforeseen event of damage or theft, the owner of the car can avoid heavy bills. Theft of cars is not as unusual as some people may think. In 2004, a car was stolen in the United States every 26 seconds, and a car had a 1 in 190 chance of being stolen.

Medical Payments, PIP, and No-fault coverages

Medical payments (MedPay) coverage will pay for your and your passengers’ medical expenses after an accident. These expenses can arise from accidents while you’re driving your car, someone else’s car (with their permission), and injuries you or your family members incur when you’re pedestrians. The coverage will pay regardless of who is at fault, but if someone else is liable, your insurer may seek to recoup the expenses from him or her.

Personal Injury Protection (PIP) coverage is an extended form of MedPay. PIP may cover expenses that are related to injury, but not necessarily medical, such as lost wages, childcare and funeral costs. PIP coverage is currently required by sixteen states. If you are already insured under a good health insurance policy, then fortunately, there is no need to buy more than the minimum required amount of PIP or MedPay insurance.

If you have a good health insurance plan, there might be little need to buy more than the minimum required PIP or MedPay coverages, if at all. And, if you already have disability insurance, there’s little reason to purchase higher-than-minimum amounts of PIP.

Uninsured/Underinsured Motorists Coverages

Uninsured motorists (UM) coverage pays for your injuries if you’re struck by a hit-and-run driver or someone who doesn’t have auto insurance. It is required in many states.

Underinsured motorists (UIM) coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. In some states, UM or UIM coverage will also pay for property damages. Similarly, underinsured motorists insurance will cover any damage caused when you are struck by a driver who is not insured for a sufficient amount.

If you are hit, as a pedestrian, underinsured coverage will cover the expenses. Uninsured motorists insurance is currently required by twenty states, and Underinsured motorists coverage is required by only four: Connecticut, Minnesota, Maine, and Vermont.

You’ll probably want to have at least the minimal amount of UM/UIM because if you can’t find the other driver, you’ll at least have some coverage for pain-and-suffering damages.

Add-on Features

Several supplemental auto coverages are available, either as separate premium items or included in augmented policies. -Rental reimbursement, a common add-on, covers vehicle rentals required because your car is damaged or stolen. -Coverage for towing and labor charges in case of a road breakdown is also common. -Gap coverage for your new car will pay the difference between the actual cash value you receive for the car and the amount left on your car loan if your vehicle is totaled in an accident.

Basic auto insurance is required by virtually every state and is typically the cheapest auto insurance in the marketplace. Proof of insurance is required at different times throughout the life of a vehicle.

You may be asked for proof of insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. It is suggested that the owner of the car keeps proof of insurance in the car at all times, instead of on his or her person, so that it can be available at all times, no matter who is driving.

Any violations of state law regarding auto insurance could result in, at best, a hefty fine, and at worst, suspension of your driver’s license and/or time in jail. The dire consequences of driving while uninsured are not worth the neglect of paying for insurance. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished.

About this Author

Amy Danise is a staff writer for Insure.com Visit Insure.com for an instant car insurance quote. Insure.com can also provide cheap car insurance quotes for drivers seeking minimum coverage. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes [http://www.insure.com/quotesmith/controller?REF=99998&reqid=qstermindex&redirx=x] from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.