What Does Insurance Comparisons Claim?

By Ryan Thompson

Since ads for the site have begun showing up on Facebook, more and more people have been wondering about the site. The issue is not perfectly cut-and-dry, since it depends on what you consider a scam. There is nothing technically illegal going on with insurance comparisons, but the site is not exactly squeaky-clean, either. On the basis of substantial evidence, with information from users of insurance comparisons as well as information provided by the site itself, the short answer is: Yes. Insurance comparisons are essentially a scam.

The reason that there have been so many questions about the trustworthiness of insurance comparisons website is that the site's ads make amazing, outlandish claims about insurance costs. The ads will claim that if you visit insurance comparisons you can get $9 (or $10, or $13) car insurance, or that the site offers some secret of car insurance that your insurance company wouldn't want you to know about. Furthermore, these ads take advantage of Facebook's data on your location, in order to make it appear as though the ad is for your area in particular, regardless of the fact that once you click the ad, the site you are taken to is always the same. So, to begin with, there are a few important things to consider. Is that $9 insurance offer fake, or if it is real, how does it work? Are the ads for insurance comparisons dishonest?

Here's where we come to the not-technically-illegal part of what insurance comparisons does. If you go to the site, you won't even find a reference to an online comparison or quote service. Instead, what you'll find is a site that has been unchanged since sometime in early 2007, including all of its so-called news stories and financial updates. There is very little to look at. In fact, usually the only way to get to the "quote" form, with its promise of information on stupidly cheap insurance, is to follow a link from another website.

When it comes to the links to this phony quote form, you will find them primarily on other sites owned and operated by the same company that owns and operates insurance comparisons website. The biggest offender, especially when it comes to misleading Facebook ads, is lifestylejournal.com, which is a bogus news site that exists to host links to insurance comparisons. Even that site is a drop in the bucket, since the owner of insurance comparisons website and lifestylejournal.com owns a huge number of websites. Consider this and the typical outcome of a request for a "quote," and insurance comparisons looks downright shady. If you do go and fill out the form on insurance comparisons website, with the expectation of getting a quote for that car insurance that costs less than twenty dollars, a few things will happen.

First, if you look carefully, you will find that the number given in the ad or fake news story, whatever it was (usually between $8 and $13) is a weekly rate. In other words, the cost for the insurance over a normal six-month or one-year period is just as much as car insurance would normally cost in your area. So that low number is not, strictly speaking, a lie; however, it is misleading.

Once you have submitted the quote request form, you will be given links to websites for a bunch of different insurance companies, but this information is not tailored to you, and it is not any different from what you would get in a simple web search. Then, the phone calls will start. Some people report getting phone calls as soon as five minutes after filling out the quote form. The person on the other end will ask for a bunch of information in order to give you an insurance quote, although they may never sell you insurance, and they may call you back the next day asking all the same questions. Some users of insurance comparisons have reported that these phone calls may be as frequent as one every half-hour, and other users have reported being woken up by these calls at two or three in the morning. Users have also reported that once they have created an account with insurance comparisons, they cannot close the account in order to remove their personal information. This doesn't happen when requesting a Medicare supplemental insurance quote.

What is really going on with insurance.comparisons.org is that it is an information harvesting scam. The site collects your information and sells it, and that is how the site makes money. If you read the privacy statement provided at the bottom of the quote form page, it specifically states that your information will be given to third parties.

"We may enter into alliances, partnerships, or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number, and email for the purpose of providing you information regarding products and services that we think will be of interest to you. In connection with alliances, partnerships, or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. For example, some of our partners operate stores or provide services on our site, while others power offerings developed by us for your use."

Perhaps you wonder who this "we" refers to. According to the publicly-available registration data for insurance.comparisons.org, the site is registered to Media Force Ltd, a company in Israel. Media Force Ltd does not provide any information about itself, even on its own website, except for office contact information. The individual name and address in the registration information for insurance comparisons is Alexandra Moshe, 54 Jabotinski Street, Holon, Israel. However, elsewhere on the Internet, the name Eyal Hay Moshe is associated with Media Force Ltd., at the same address. It appears to be the case that Media Force Ltd. may operate as many as five hundred and fifty other sites.

These other sites are not related to insurance comparisons, or even to insurance. Instead, they run the gamut from British sports betting sites, to sites that supposedly help you keep your computer's drivers up-to-date, to fake news sites designed to drive traffic elsewhere. Furthermore, some of these sites, including those that link to insurance comparisons website, are known to use fake customer testimonials along with stock photos.

One can reasonably conclude that insurance comparisons are dishonest. The site does not have any special information to offer you about car insurance. But it is very important to remember that the law often allows for your information to be used or sold if you give it willingly. If you fill out that quote form, it may be legal for your information to be sold, even if you are on the Do Not Call Registry. Of course, once that information is sold, there is no guarantee that it hasn't been sold to someone crooked. Therefore, although insurance comparisons may not be breaking the law -- that is unclear -- the site may be selling your information to a company or organization that means to use your information to scam you. Because an insurance comparison takes your information for reasons other than what it tells you, it is fair to call the site a scam.

About the Author:

To Find out about Medicare supplement insurance.visit the authors website about Get Medigap.

What You Should Know About Critical Illness Life Insurance

By Otha Presas

One of the biggest challenges that can strike a family is sickness. Critical illness can cause serious impact on every member of the household. An ill patient and his loved ones are likely to face physical, mental and emotional stress among other things.

These, however, can be aggravated further if the affected family does not have sufficient financial resources to help them with any expense during treatment and recovery of the patient and their other needs. This is why it pays to prepare for the worst. This will not only benefit the sick family member but it will also help his loved ones go through the ordeals. And what can be a better way to do this than buying a Critical Illness Life Insurance. This is an insurance product where the policyholder is paid a lump-sum benefit when he is diagnosed to have any of the critical illnesses listed on the policy and you don't get this with Medicare supplements.

This can be purchased as a stand-alone policy or as a rider in your life insurance. Whichever option you choose to go for, you should know that with this purchase you are actually giving yourself and those around you one of the best means to deal with a serious illness such as heart attack, cancer, kidney failure and multiple sclerosis.

The amount that the Critical Illness Life Insurance will pay can be used for whatever expenses deemed necessary by the family, whether it is an expense not related to the illness. This can be very ideal for the income earners of a family whose sickness can imply long period of no cash flow that should otherwise be used to pay off bills and other household expenses.

Quite commonly, insurance companies give the payout to those diagnosed with critical illness but are able to survive within 28 days. But with the application of the term assurance on the policy, insurance companies give the policyholders an option that pays the lump-sum amount when the insured died because of the critical illness.

In the UK, there is a tax rule imposed on qualifying policies issued before March 14, 1984. This is the Life Assurance Premium Relief which states that there is no relief for premiums in excess of 1500 pounds or 1/6th of the total income whichever is greater. To be granted with the tax relief the policy should agree to pay a capital sum on death; it should also be on the life of the policyholder or the spouse by whom premiums must be made; and that the couple are residents of UK at the time the payment is made. The insured will be entitled for a payment amounting to 50 percent of the basic rate of tax.

About the Author:

Critical Illness Life Insurance is one of the most important aspect of one's life. As the benefits that can be claimed from a Critical Illness Life Insurance is worth when its need arises.

Starting Out as a Senior Agent with Gerber Life Medicare Supplement

By Alex Stone

Medicare supplemental insurance, or Medigap, provides coverage for the additional health care costs that traditional Medicare does not cover. Seniors can choose to purchase a supplemental insurance policy from a private insurer, with the coverage proportional to the paid premiums.

Gerber Life, "the baby food people" is one of the most recognizable brands and they have been providing stability to their consumers since their beginning in 1967. Their partnership is for the shared goal of helping senior citizens live a happy and healthy life. They are dedicated to providing excellent customer service, answering client question thoroughly, and providing accurate product information. For your clients more comfortable going with a "name brand" for their supplemental insurance policy Gerber Life is a national brand they will know and trust.

There is a fax application program available to make selling Medicare supplements by phone ease with their product. Once you've finished speaking with a client and gathering their information you can then mail them the application to complete, with instructions, and a self-addressed stamped envelope. When you receive it back from the applicant you will then fax it into the company for review and processing.

Gerber Life has an excellent commission and offers a direct company contract and agent's have the potential to earn the highest commission level available (pending production requirements are met). Plus, also available are an aggressive policy issue, 12 month advancing, and competitive premiums. Their company is easy to work with, available in most states, and an ideal product for a new senior agent portfolio.

With an "A" Excellent rating from AM Best for their financial strength, they currently have $37 billion of life insurance in force. This provides stability to 3 million policies throughout the United States, Canada, and Puerto Rico.

About the Author:

For the top-level Gerber commissions, work with Precision Senior Marketing. PSM is dedicated to serving the top-level senior agents and providing them with marketing tips and a top-level Gerber Life commissions.

Types of Health Insurance - Health Insurance

By Cloude Raine

With changing lifestyle, unhealthy eating habits and practically no exercise schedules, lifestyle diseases along with the existing deadly illnesses are on a rise and more numbers of victims get added to the count with each passing day. The treatment is not getting any cheaper and even though medical technology is pacing up to provide better and efficient treatment, there is an add up to the medical treatment cost with all this. To minimize the risk of heavy financial damage to your bank account due to any likely event of medical illness, a potent health insurance is an utmost necessity today.

It is easy to get health insurance coverage if you work for a company. But, if you are self-employed, medical insurance might be that bit difficult for you to acquire. The various options of self employed health insurance currently available are: Preferred Provider Organization (PPO) - This might be most suited to you if you travel a lot. This gives you the freedom to choose your healthcare service provider, irrespective of the provider being in the network or not. However, the facility doesn't come cheap and this is arguably the costliest plan to have.

Types of health insurance 1. Point-of-Service Plans (POS) 2. Fee-for-Service Plans 3. Preferred Provider Organizations (PPOs) 4. Health Maintenance Organizations (HMOs)

This kind of plan works well if your family visit the doctor quite often. If your family does not regularly visit the doctor or only does for annual check ups, then you only need a plan that may ask for higher copayment costs but cheaper monthly premiums.

Short Term Health Insurance Short-term health insurance is often a cheaper alternative to COBRA. To cover unexpected illnesses and accidents. Pre-existing illnesses and routine medical procedures are not covered. You can get the coverage the next day, when answering a few simple questions about your health. Short term health insurance is an affordable option for temporary health insurance needs and is also a viable alternative to COBRA.

If you have been laid off or have left the job, you can remain covered for eighteen months after having off rolls from your previous employer. However, you will have to pay the complete premium and also, your previous employer should have more than twenty employees.

Skilled Care Basically, the goal of quality care is taken to help you better. Skilled care has nothing to do with how you're ill. It has to do with the technical skills that nurses and doctors should help you better. Medicare defines it as "rehabilitation services that require technical skills or professional personnel such as registered nurses, licensed practical nurses and physical therapists and professional." Skilled Care is usually received in hospitals or skilled nursing homes, but can also be received in your home and is usually not covered by Medicare supplemental insurance.

If you have exhausted the above options, you can also search for groups offering self employed health insurance. You can also take a lesser health insurance cover, if you have good health, to minimize the premium amount. By now you must have realized that being your own boss feels good, but comes at a price. So, do proper research and compare maximum number. of policies/plans to arrive at the most suited and most affordable plan for you.

About the Author:

Cloude Raine always sees to it the quality of his work is fully delivered. Automobile Insurance, Cheaper Car Insurance with an uninsured driver promise and home insurance with 1000000 buildings cover as standard.

Insurance CE - Insurance Agent Responsibility

By Ed Hulse

It is important to understand insurance agents and their responsibility. Those professionals take your personal information and help you find the best policy for your situation. They inform you about new products the company produces that might be of interest to you. A policy specialist also coordinates the activation of your product if needed.

You may believe that insurance agents are merely sales representatives. Indeed, one of their major responsibilities is sell coverage to those who need it. Policies are not bought and sold like groceries and clothing are. If you are going to pay thousands of dollars into a product, you need to make sure it is the proper one for you. An expert in those services can explain all of your options and assist you in selecting the best one.

As time goes by, different coverage options are developed and sold. Your agent can keep track of the details of your policies even a Medicare supplement. He will make a note if something better or extra is developed after you purchase your coverage.

This is an example of coverage you may need but do not know exists. You could get your home insured with a policy that does not have a flood damage clause. If flood coverage is created that can easily and inexpensively be added onto your home product, your agent can alert you of it. You may elect to buy it if you have had problems with high water in your yard.

The most important function an insurance agent has is to make sure your coverage is activated properly if needed. Home coverage is not something most folks think about regularly until their dwelling goes up in flames. You might never glance at your automobile policy cards until you get hit by someone who should not have been driving. It is the job of your coverage expert to oversee the execution of your contract.

A coverage professional is able to make sure that the person who causes an accident fulfills his responsibilities. Not all guilty parties are willing to admit their mistakes. A professional is able to stick up for you should such a problem arise.

Insurance agents and their responsibility encompass a wide range of duties. Experts can help you to purchase the ideal policies for your situation. A coverage professional is able to alert you if new sorts of products are created that might benefit you. Agents can also manage the fulfillment of your policy and make sure that the contracts of others are properly executed.

About the Author:

Vermont Insurance Continuing Education

More Seniors Than Ever Purchasing Medigap Online

The United States has grappled with the issue of healthcare for decades. It has been used for political mileage and has also shown the world some very noble politicians who are interested in the welfare of their citizens. The concept of medicare has been implemented with relative success. But it has not stopped More Seniors Than Ever Purchasing Medigap Online.

Medigap works with the medicare plan to cover the shortfalls that may arise with the original plan. Where the Medicare scheme falls short the Medicare supplemental insurance steps in to help. This ensures that the health needs of policyholders are well protected.

There are various conditions which would enable a person to benefit from the medigap scheme. First one must be a beneficiary of the Medicare scheme. In addition, one must also be eligible or be using the primary sections, or schemes of the medicare policy. This means that one must be a beneficiary of the hospital costs as well as the doctor's visits and appointments as well as physical therapy and other forms of therapy.

Once a person has attained or is within half a year of becoming 65 years of age, they can ask to be on the medigap guaranteed schedule. This essentially means they do not have to be tested and examined before joining. Otherwise, with an insurance company who is doing the covering, a person needs to be screened.

To make things easier, the administrating authority has made the application process standard for everyone. This has resulted in several tiers or plans, which are named after the alphabet, from A to L. Also, accredited private insurers are engaged to administer these plans in various regions in the country. However, different companies still do not possess the mandate to change anything about the standard plans. What may differ from insurer to insurer is the premiums paid to the particular insurer. Each medigap plan is unique offering different benefits and plans.

The idea is to offer a plan which is approximately equal to the premium that a person is playing. The thing is older medigap plans offer only limited benefits but cost more than the newer medigap plans that offer more or even full benefits. The thing is that the older policies cater to persons who are older than the people the newer plans cater to. It is assumed these ones have more risk.

This scheme is viewed as private insurance but some states provide additional cover in addition to the medigap solution. Some companies even offer it to their employees as a benefit when these employees finally decide to call it a day. And this would include but not exceed prescription drug coverage.

The main reason to observe more seniors than ever purchasing medigap online might be the fact that the medicare plan is simply not as noble in implementation as it was in theory. The reason is that the financial crisis has affected government. On top of that there is a perception of distrust of government and non private initiatives. The point of medicare was to fill the gap of healthcare, and medigap again is supposed to fill a gap too. This idea of a solution to a problem that was meant to be a solution leads to a loss of trust.

How to Choose and Compare Medicare Supplement Insurance, Medigap Plans and Determine Medicare Eligibility

Nice Squido Lense about Medicare Supplements.