Tag Archives: Insurance

Bills.com CEO Cautions Workers to Protect Livelihood With Life, Disability Insurance

San Mateo, CA (PRWEB) May 23, 2007

The first U.S. life insurance policy was issued almost 250 years ago, on May 22, 1761, by The Corporation for the Relief of Poor and Distressed Presbyterian Ministers and of the Poor and Distressed Widows and Children of Presbyterian Ministers. On this anniversary, Andrew Housser, co-founder and co-CEO of Bills.com, a free online consumer portal that provides financial tips and resources, suggests ways consumers can maximize life and disability coverage.

“Today, insurance companies have shorter names — but lives are longer,” Housser said. “Individuals may need life insurance and disability insurance more than ever.”

Insurance professionals estimate one in eight people will be disabled before they retire. Those who would face financial disaster if they lost their income need disability coverage, Housser said. Similarly, those with families that depend upon their income need life insurance protection.

Housser suggests five steps to planning the right insurance coverage:

1. Check job benefits. Many employers offer life and disability coverage benefits. Review the benefits package to understand coverage offered, such as life insurance benefits, usually stated as a percentage of a year’s salary.

2. Evaluate assets. In a financial disaster, insurance can help pay off a home, pay for children’s educations, provide time and/or child care support for a stay-at-home spouse to re-enter the workforce, and even pay basic expenses — plus health care deductibles and medical bills — in the event of an illness, injury or death.

3. Understand disability insurance. Two types of disability coverage exist: Short-term and long-term. Short-term coverage pays benefits for disabilities lasting less than six months. Long-term policies provide benefits for longer disabilities. The benefit period varies, depending upon the policy. The period can range from a few months up to the beneficiary’s 65th birthday.

“Just as a new car comes with a few items standard and a broad array of options (with a higher price tag) when nicely equipped, disability insurance includes what you pay for,” Housser explained. For example, two common definitions of coverage are “own occupation” or “any occupation.” Some policies pay only if a disability prevents the beneficiary from working at any job. “While those policies are less expensive, many people feel more secure with policies that pay benefits if they cannot work in their own fields,” Housser added.

4. Do some financial planning. Some employer-sponsored disability plans begin paying benefits within seven days after the beneficiary must leave the workforce. Many families can bridge that financial gap with their savings. Self-purchased plans offer waiting periods from 30 days to a year. Policy buyers can choose a lower premium if they have other resources to support themselves during the waiting period.

5. Get help if needed. The planning process raises complex issues. A trusted insurance agent and a qualified financial planner can help determine needed coverage.

“Both life and disability insurance policies offer many options. They can be customized to your family’s unique needs,” Housser said. “Doing the research you need to choose the best option allows you to move forward in life with confidence.”

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The company blogs about consumer finance issues at http://www.bills.com/blog. Since 2002, Bills.com and its partner company, Freedom Financial Network, have served more than 15,000 customers nationwide while managing more than $ 350 million in consumer debt. The company’s co-founders and CEOs, Andrew Housser and Brad Stroh, were named Northern California finalists in Ernst & Young’s 2006 Entrepreneur of the Year Awards.

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Health Insurance, Health Care Issues Now Top Rated Topics for Radio Listeners According to Arbitron


Kansas City, MO (PRWEB) August 16, 2007

Cary Hall announced today that the Health Insurance Advocate Show, featured on Talk Radio 710 KCMO in Kansas City, Missouri, 9 a.m. Saturdays, has recently experienced a significant Arbitron ratings increase of 119 percent, more than doubling its listenership since this time last year. The program also airs on News Radio 1330 KNSS Talk Radio in Wichita, Kansas, noon on Saturdays, and has experienced an Arbitron ratings increase of 576 percent in the past year – an increase Hall says is a direct result of teaching listeners to feel confident in their understanding of healthcare coverage. Listen to program podcast or live.

“With so much change in the industry and the relentless cost increases that can often drive consumers away from even having healthcare coverage, we believe we know why the show has had such incredible gains in popularity,” Hall said. “Simply put, it’s desperately needed.”

Hall is host of the Saturday morning program as well as president of Benefits By Design, a health insurance and consumer advocate company. The radio program is now the number one rated Saturday talk show in the region according to Arbitron Winter Book Ratings for 2007.

“We’re ending the myth that health insurance is not affordable with a cutting edge program designed to educate and raise awareness in the group and individual policy markets,” said Hall. “We’re helping everyone from sole proprietors who are trying to raise their families to HR executives at large corporations who are trying to make sense out of poorly performing group policies. The show teaches them to understand the market and how best to protect their employees and loved ones with incredible savings and coverage efficiency.”

“People don’t gain clarity on Medicare changes or child-only coverage or caring for elderly parents and so many other very personal issues by reading a boring conventional brochure,” Hall says. “We teach our listeners by conversing with knowledgeable experts, healthcare professionals and community service organizations every week in order to put a human face on what we all face together — the need to protect ourselves and our families and the need to conserve and protect our dollars.”

Hall cites the fact that the health insurance industry can be complex and often leads to confusion, frustration and even heartache in the market place. Breaking down industry terminology and government regulations, demonstrating cost efficiency and giving consumers confidence in the purchase of healthcare coverage is what the Health Insurance Advocate Show strives to deliver.

The new Arbitron ratings come at a crucial time as the Health Insurance Advocate Show reaches its fourth anniversary on the air in Kansas City, touching most of western Missouri and eastern Kansas. The program is in its second year in the Wichita market.

The Health Insurance Advocate Show, heard in Kansas City on Talk Radio 710 KCMO Saturdays from 9 a.m. to 10 a.m. and in Wichita on News Radio 1330 KNSS Talk Radio Saturdays from Noon to 1 p.m., is Kansas City’s and Wichita’s only source for the latest information on the health insurance industry.

Listen to program podcast or live.

Contact:

Vicky Bisby

913.385.2224

The Health Insurance Advocate – 10540 Marty, Suite 200 – Overland Park, KS 66212

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Puppy Snacks on Earrings and Surgery Costs $7,700.00 – Pets Best Insurance Pays 80%, Total paid by family in premiums about $90.00, total received by family about $6,100.00 Value of Abby to Her Family, Nearly Priceless!

Boise, ID (PRWEB) August 30, 2007

Pet insurance can provide the immediate means to cover costly veterinary care once the policy is in force. Abby is a very good example – before being adopted, this happy and loving Labrador mixed breed puppy had already had a pretty tough life. Both her and her brother were originally dumped on the side of the road, starving, sick and infested with fleas, both were in need of veterinary care. They were sent to a local shelter and put on the list to be euthanized. Funds were not available for needed care and her brother didn’t make it, but Abby was rescued at the last minute. Charles and Virginia Meyer adopted her and paid the hospitalization costs related to her rescue that exceeded $ 1,000. In very short period of time, she had an injury to her rear leg and other issues that included surgery to remove ingested earrings. In her short life, veterinary care is quickly approaching $ 9,000.00.

According to Virginia Meyer, “Abby is such a wonderful addition to our family; she is like a child to my husband and me. Her care after she was rescued cost us around $ 1,000.00. We feel she is worth so much that we can not place a monetary price on her. Once we got Abby home, she had a serious injury to her rear leg. It required a specialist and he suggested that we protect Abby in the future with Pets Best Insurance. We went online and ordered coverage for Abby. A few weeks later while at home, Abby brought a small box to me, minus the earnings it normally contained. Within hours, she was very sick and we rushed her to an emergency clinic. After several surgeries and trips back and forth to the veterinarian, she is now back at home and recovering. For Charles and me, we would have done whatever it would take to care for our puppy. We are thankful that we have insurance coverage because we just cannot imagine having to choose between providing needed care, or having to put Abby down.”

Social Security Disability Insurance Recipients Need Better Understanding of Pros and Cons of New Debit Card, Allsup Says


Belleville, IL (Vocus) March 27, 2008

Starting next month Social Security Disability Insurance recipients in some states will have the option of receiving their benefit payments electronically on a debit card, rather than via a paper check. However, eligible individuals — many of whom are “unbanked” — should have a clear understanding of the pros and cons of opting for the debit card, particularly the financial ramifications, according to Allsup (http://www.allsup.com), which represents tens of thousands of people in the Social Security Disability Insurance (SSDI) process each year. It also offers services that support the financial and health well-being of individuals with disabilities.

“Before signing on to or totally dismissing the idea of the debit card program, potential cardholders should look at how they are likely to use a card,” said Paul Gada, personal financial planning director of the Allsup Disability Life Planning Center. “For some, the card may make sense. For others, they may realize after looking at their spending habits that getting a bank account may really be the best option. And there will be others that will always operate with cash only, regardless of the drawbacks it presents.”

The debit card program, called Direct Express, is run by the U.S. Treasury Department through Comerica Bank with the intent to encourage Social Security recipients who do not have a bank account to elect to have their benefits loaded electronically onto a debit card. The Direct Express program will be introduced this spring in Arkansas, Louisiana, Oklahoma and Texas before being phased in across the nation during the summer.

The cost savings for the government could be significant, based on estimates from the Treasury’s Financial Management Service. For example, it cost 89 cents for the government to issue a paper check in 2006 compared with 9 cents to process an electronic payment. As a result, if the 4 million recipients of Social Security, SSDI and Supplemental Security Income (SSI) who don’t have bank accounts were to sign up for the debit card, the savings could be $ 44 million annually.

Having monthly benefits electronically deposited onto debit cards also has its advantages for recipients, most notably convenience and security. In the case of individuals with disabilities who may have limited mobility, for example, having the debit card would mean that they would not have to make a special trip to cash their SSDI award or be concerned if they were hospitalized or otherwise unable to retrieve their benefit payment when it was due to arrive. Additionally, funds on the card are FDIC insured, just like money in a bank account, so the money is fully protected if the card is lost or stolen; though a card replacement fee will be assessed the second time a card needs to be replaced in any given year.

Evaluating the Costs

While cost savings for the government — and taxpayers — are obvious, the cost savings may not be as clear-cut for debit-card recipients. They might end up paying even more in transaction fees than the average $ 6 to have a paper check cashed, especially if they don’t pay attention to how they’re using the debit card.

Among the questions Gada recommends potential cardholders consider before signing up for a debit card include:

Travel Insured International Introduces New Travel Insurance Plans with Stronger Benefits, More Insurance Options

East Hartford, CT (PRWEB) April 29, 2008

Travel Insured International a leading provider of travel protection plans for travelers, has unveiled a new trio of travel insurance plans under the company’s popular Worldwide Trip Protector brand.

Worldwide Trip Protector, the signature brand of Travel Insured International now includes two plans redesigned with stronger benefits and more optional coverage choices than ever before. These include the company’s two popular comprehensive insurance plans, Worldwide Trip Protector and Worldwide Trip Protector Gold. A third plan, being launched for the first time, is Worldwide Trip Protector Lite and Lite Expanded, which is designed as basic yet flexible protection for families and budget conscious travelers.

New Upgrades and Options

Each of the three Worldwide Trip Protector plans offers a menu of included and optional features to help travelers select the right coverage to fit their travel insurance needs. Available benefits, depending on the plan selected, include Kids Are Free coverage, Cancel for Any Reason and Cancel for Work Reasons options (neither of these options is available in Texas, Washington State or Oregon), a new Sports Coverage option, ID Theft Recovery Assistance, Pet Care coverage, Missed Port of Call and School Year Extension protection.

Travelers can ask their travel agent to describe the plan that works best for their booking, or they can visit Travel Insured’s web site at http://www.travelinsured.com and ask questions using Live Chat. They can also speak to a friendly, knowledgeable Travel Insured customer care professional who can answer their questions at 1-800-243-3174.

All three Worldwide Trip Protector plans offer options to Cancel for Any Reason or Cancel for Work Reasons (neither option is available in Texas, Washington State or Oregon), as well as options for increased Emergency Medical Expense benefits including Medevac coverage, and Flight Accident Protection. Travelers on any of the plans may also opt for a Sports Coverage upgrade to protect prepaid sports activities, such as golf green fees and ski passes, and rented or owned sports equipment while on vacation.

Kids are Free and ID Theft Recovery

Worldwide Trip Protector, Travel Insured’s most popular comprehensive plan, is widely used by travelers booking land or cruise vacations in both the popular-priced and luxury markets. The updated Worldwide Trip Protector includes Kids Are Free coverage for children under 18 traveling with a related adult enrolled and traveling on the same policy.

Worldwide Trip Protector Gold offers the highest level of comprehensive travel insurance benefits for clients who seek enhanced coverage that protects the quality of their travel preferences. The Gold plan has higher Medical and Trip Delay limits and inclusive Car Rental Collision Damage Waiver. Both Worldwide Trip Protector and Trip Protector Gold feature an ID Theft Protection Service that works to resolve any compromised financial cards or documents for the insured client who is victimized by an ID theft event while traveling.

Worldwide Travel Concierge Services are an added benefit with Worldwide Trip Protector and Worldwide Trip Protector Gold. Along with several other destination support features, Concierge Services provide travelers with access to entertainment and sports event tickets, help with local directions, restaurant and hotel reservations, or locating translation services or guides.

New Lite and Lite Expanded Travel Insurance Plan

Worldwide Trip Protector Lite and Lite Expanded are two coverage levels available within one newly-created Travel Insured plan for budget-minded travelers. Customers start with broad Worldwide Trip Protector Lite basic coverage at our most affordable plan rates. They may upgrade to stronger inclusive benefits with Lite Expanded protection and select specific coverage options that match their trip type or individual travel protection needs. Kids are Free coverage is included for one child under 18 per related adult enrolled and traveling on the same Worldwide Trip Protector Lite or Lite Expanded policy

All Worldwide Trip Protector plans come with Travel Insured’s superior level of customer service and Worldwide Emergency Travel Assistance, which is available 24/7 by a free phone call from anywhere insured customers are traveling and in need of help.

About Travel Insured International

Travel Insured delivers comprehensive travel protection benefits ranging from trip cancellation and trip interruption to emergency assistance and Medevac insurance, travel accident and sickness medical expense, accidental death and dismemberment, missed connection and baggage delay or loss.

The company’s travel insurance plans include its comprehensive Worldwide Trip Protector, the most popular travel protection plan and Worldwide Trip Protector Gold, an enhanced travel insurance plan designed to protect luxury vacations and business trips. Travel Insured also offers two travel insurance plans designed to provide basic yet flexible protection for families and budget conscious travelers, its Worldwide Trip Protector Lite insurance plan and Worldwide Trip Protector Lite Expanded insurance plan. Finally they offer a Medical Protector insurance plan, an Airline Ticket Protector plan as well as a complete offering of Group Travel Insurance plans including Student Group insurance plans.

Visit Travel Insured’s web site at http://www.travelinsured.com or speak to a friendly, knowledgeable Travel Insured customer care professional at 1-800-243-3174.

Travel Insured International, based in East Hartford, Connecticut, was founded in 1993 by the foresight of insurance industry executive Peter Gehris when he acquired the travel protection division of the Travelers Insurance Company. Coverage is underwritten by Arch Insurance Company (a Missouri corporation, NAIC #11150) with executive offices located in New York, NY. Not all insurance products or coverage is available in all jurisdictions. Coverage is subject to actual policy language.

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Social Security Disability Insurance Recipients Need Better Understanding of Pros and Cons of New Debit Card, Allsup Says


Belleville, Ill. (Vocus) June 10, 2008

The nationwide rollout has begun and Social Security Disability Insurance (SSDI) recipients in some states already have the option of receiving their benefit payments electronically on a debit card, rather than via a paper check. However, eligible individuals many of whom are unbanked should have a clear understanding of the pros and cons of opting for the debit card, particularly the financial ramifications, according to Allsup, which represents tens of thousands of people in the SSDI process each year. It also offers services that support the financial and health well-being of individuals with disabilities.

Before signing on to or totally dismissing the idea of the debit card program, potential cardholders should look at how they are likely to use a card, said Paul Gada, personal financial planning director of the Allsup Disability Life Planning Center. ”For some, the card may make sense. For others, they may realize after looking at their spending habits that getting a bank account may really be the best option. And there will be others that will always operate with cash only, regardless of the drawbacks it presents.”

The debit MasterCard program, called Direct Express, is run by the U.S. Treasury Department through Comerica Bank with the intent to encourage Social Security recipients who do not have a bank account to elect to have their benefits loaded electronically onto a debit card. Direct Express has been introduced in 10 states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina and Texas. The rest of the nation will be phased in throughout the summer.

Cost savings for the government could be significant, based on estimates from the Treasurys Financial Management Service. For example, it cost 89 cents to issue a paper check in 2006 compared with 9 cents to process an electronic payment. If the 4 million recipients of Social Security, SSDI and Supplemental Security Income (SSI) who dont have bank accounts signed up for debit cards, the savings could be $ 44 million annually.

Having monthly benefits electronically deposited onto debit cards also has its advantages for recipients, most notably convenience and security. For example, people with limited mobility who have the debit card would not have to make a special trip to cash their SSDI check or be concerned if they were hospitalized or otherwise unable to retrieve their benefit payment. Funds on the card are FDIC insured, just like money in a bank account, so the money is fully protected if the card is lost or stolen, although there will be a fee the second time a card needs to be replaced in any given year.

Evaluating the Costs

While cost savings for the government and taxpayers are obvious, it may not be as clear-cut for debit-card recipients. They may pay even more in transaction fees than the average six dollars to have a paper check cashed, especially if they dont pay attention to how theyre using the debit card.

The following questions are among those that Gada recommends before signing up for a debit card:

How accessible to you is an ATM in the Comerica network?
How often would you make ATM withdrawals and would they be at in- or out-of-network ATMs?
How often would you use the electronic bill payment feature?
Will the companies you are paying electronically charge you a fee for electronic payment?
Is there a bank in your area that could provide you with a more cost-effective solution for the features you want, such as ATM, electronic bill pay or direct debit?
If you are concerned about opening a bank account, have you spoken with a local bank to see if they can help alleviate your concerns?
Social Security recipients participating in the Direct Express program are allowed one free ATM cash withdrawal per month from a designated ATM. They are assessed a 90-cent fee for each additional ATM withdrawal. Cardholders may be charged an additional surcharge fee by ATM owners outside of the Comerica Bank network, which issues the debit cards. Additionally, program participants have access to online bill payment for a fee of 50 cents per online bill payment and can receive a paper statement for a 75-cent monthly fee.

Gada advises potential cardholders to consider how they would use the debit card. For example, rather than having to pay for a cashier check or carry large amounts of cash and pay bills in person, incurring a small transaction fee for electronic bill payment may be worth it, particularly for individuals who have a difficult time getting around. However, Gada noted, individuals should check to see if the organization they are paying will assess an additional charge for accepting electronic bill payment.

On the other hand, people who are going to head for an ATM every time they need cash will find transaction fees quickly adding up to little added value.

”In these cases, its time to seriously consider what is preventing you from getting an account at your local bank, because that probably would be your best option,” said Gada. ”Many banks offer no minimum balance checking accounts where you can have your Social Security benefits direct deposited and electronically pay bills or use their ATMs at no additional charge.”

Overcoming Banking Barriers

One of the reasons that some Social Security recipients continue to insist on paper checks is the fear that their bank accounts could be attached by creditors. However, under federal law, Social Security benefit payments are protected from attachment, meaning creditors do not have the right to take these funds from a recipients bank account. The same rules will apply to funds placed on Direct Express debit cards. There are a few explicit exceptions to the rules guarding against attachment of Social Security benefits. For example, Social Security funds can be taken to pay child support or alimony payments the individual owes.

”At any given time, there are likely millions of dollars in Social Security payments that are at risk because people on fixed incomes got into debt or are having a dispute with a creditor,” said Gada. ”Unfortunately, they are acting on inaccurate information that has them afraid to put their money into bank accounts where it can be protected and they can be afforded other benefits of being banked.”

About Allsup

Allsup, Belleville, Ill., is a leading nationwide provider of financial and healthcare related services to people with disabilities. Founded in 1984, Allsup has helped more than 100,000 people receive their entitled Social Security Disability Insurance and Medicare benefits. Allsup employs more than 500 professionals who deliver services directly to consumers and their families, or through their employers and long-term disability insurance carriers.

For more information, visit http://www.Allsup.com .

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Travel Insured International’s Worldwide Trip Protector Lite Is the Right Travel Insurance Plan for Tighter Travel Budgets

East Hartford, CT (PRWEB) November 19, 2008

The travel insurance company Travel Insured International, an industry leader, reports that Worldwide Trip Protector Lite & Lite Expanded, a flexible new travel insurance plan introduced this year for budget-minded travelers, is finding growing consumer demand in today’s volatile economy.

The dual-level protection plan combines strong, basic travel insurance at affordable prices with a menu of available upgrades and coverage options. The plan format of Trip Protector Lite and Lite Expanded allows you to match travel protection choices to your type of trip and individual needs. A popular feature with family travelers is Kids are Free protection, included in either Worldwide Trip Protector Lite or Lite Expanded for one child (under 18) covered with each related adult traveler and enrolled on the same travel insurance plan. Another family-friendly benefit is School Year Extension coverage. This provides Trip Cancellation / Interruption protection when an unforeseen event forces your child’s school year calendar to interfere with your scheduled trip departure date by extending beyond the predetermined school year.

Affordable Lite Benefits

Worldwide Trip Protector Lite is the most affordable, flexible plan ever introduced by Travel Insured International. The plan starts with strong basic protection including: Trip Cancellation and Trip Interruption coverage up to full trip cost Missed Connection and Trip Delay Baggage / Personal Effects and Delayed Baggage Coverage $ 10,000 in Emergency Medical Coverage with only a $ 50 deductible Emergency Evacuation and Repatriation benefits of up to $ 100,000 Travel Insured’s Worldwide Emergency Travel Assistance 24/7 included!

Lite Expanded Upgrades

Trip Protector Lite can be upgraded to Lite Expanded’s schedule of enhanced benefits. Protect your belongings with Lite Expanded’s increased limits of Baggage / Personal Effects and Baggage Delay Coverage Protect your family with $ 25,000 of Lite Expanded’s Emergency Medical Coverage, or opt for up to $ 50,000 of primary coverage with no deductible Purchase Lite Expanded within 14 days of your initial trip deposit to include a Pre-Existing Medical Condition Waiver and Financial Default coverage in your plan.

Lite or Lite Expanded Options

Whether your choice is Lite for basic coverage or Lite Expanded for stronger benefits, there are additional options available to address your needs for enhanced protection. Select optional primary coverage of $ 200,000 in Emergency Evacuation & Repatriation benefits Choose rental car Collision Damage Waiver for $ 7 per day (not available in Texas or Washington State) for dramatic savings compared to coverage at the rental counter Purchase a Cancel for Any Reason or Cancel for Work Reasons option (neither option is available in Washington State) Opt for Sports Coverage protection to cover prepaid sports activities and rented or owned equipment such as skis or golf clubs Choose from four available levels of Flight Accident Protection.

Service with Every Plan

Every Worldwide Trip Protector Lite or Lite Expanded plan includes Travel Insured’s renowned customer service and claims assistance. Ask your favorite local travel agent for more information about Travel Insured, or visit us on our Web site at http://www.travelinsured.com. Call 1-800-243-3174 to experience our friendly, professional customer care for yourself. Every plan comes with Travel Insured’s Worldwide Emergency Travel Assistance, available 24/7 with a free call from anywhere you travel.

About Travel Insured International

Travel Insured delivers comprehensive travel protection benefits ranging from trip cancellation and trip interruption to emergency assistance and Medevac insurance, travel accident and sickness medical expense, accidental death and dismemberment, missed connection and baggage delay or loss.

The company’s travel insurance plans include its comprehensive Worldwide Trip Protector, the most popular travel protection plan and Worldwide Trip Protector Gold, an enhanced travel insurance plan designed to protect luxury vacations and business trips. Travel Insured also offers two travel insurance plans designed to provide basic yet flexible protection for families and budget conscious travelers, its Worldwide Trip Protector Lite insurance plan and Worldwide Trip Protector Lite Expanded insurance plan. Finally they offer a Medical Protector insurance plan, an Airline Ticket Protector plan as well as a complete offering of Group Travel Insurance plans including Student Group insurance plans.

Visit Travel Insured’s web site at http://www.travelinsured.com or speak to a friendly, knowledgeable Travel Insured customer care professional at 1-800-243-3174.

Travel Insured International, based in East Hartford, Connecticut, was founded in 1993 by the foresight of insurance industry executive Peter Gehris when he acquired the travel protection division of the Travelers Insurance Company. Coverage is underwritten by Arch Insurance Company (a Missouri corporation, NAIC #11150) with executive offices located in New York, NY. Not all insurance products or coverage is available in all jurisdictions. Coverage is subject to actual policy language.

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Allstate Insurance Company Holiday Teen Driving Hotspots Study Reveals Areas with Highest Rates of Deadly Teen Crashes from Thanksgiving through New Year’s Day : Study part of Home for the Holidays teen safe driving campaign to urge parents and teens to have a conversation about smart driving during the holiday season and sign Allstate’s Parent-Teen Driving Contract


NORTHBROOK, Ill. (PRWEB) December 3, 2008

The Allstate Holiday Teen Driving Hotspots Study found that the 10 deadliest hotspots for fatal teen crashes among the nation’s 50 largest metro areas (a central city and its surrounding counties) from Thanksgiving through New Year’s Day are:

Holidaymakers Could be Paying 500% Over the Odds for Their Travel Insurance, Warns Confused.com


Cardiff, UK (PRWEB) May 16, 2009

Buying insurance from a travel agent, rather than shopping around, could see holidaymakers paying nearly 500% more for their holiday insurance than necessary, says Confused.com.*

According to the Association of British Travel Agents (ABTA) and Datamonitor, more than one third (40%) of all travel insurance policies were sold by travel agents last year. However, in the same way that customers can shop around to make significant savings on their car and home insurance policies, they can also save money on travel insurance policies.

Steve Williams, head of travel insurance comparison at Confused.com, says: “Even if consumers choose to purchase their holiday through a travel agent, they should not feel obligated to take their travel insurance out with them too.”

“While holiday insurance is a must-have, it makes little sense to pay through the nose for it, especially when shopping around for a better deal is likely to save consumers money. Price comparison sites enable consumers to trawl the market for the most suitable travel insurance policies on offer.”

“Not only is the service quick, easy and comprehensive, but it also enables consumers to directly compare levels of cover. For example, a family of frequent globe-trotters heading off on a three-week safari in South Africa would require a very different policy to a family which goes caravanning in France once a year. Price comparison sites are designed to empower the user and enable them to make educated decisions about the best policies for them, in turn saving them money.”

“Spending just a little bit of extra time finding the best holiday insurance deal will allow you to properly relax and enjoy your trip.”

For further information please contact:

Press office, Confused.com: 02920 434 398

Joanna Harte/Gug Kyriacou, Polhill Communications: 020 7655 0550

Notes to editors

Research below compiled by Confused.com

Confused.com – quotes accurate as at 02/05/09

Single Trip

1 Adult between 18-54 travelling to Europe for 1 week

Staysure – Medical expenses