GAYSURANCE.COM

Guest Author: David Zurich

Guest Author: Carol Bell

Surely planning for any eventuality regarding your health is a wise decision; critical illness insurance might be required someday so is planning for this really strange? This type of coverage is designed to provide your family with peace of mind if anything were to happen whereby you would no longer be able to work and generate an income. Insurance providers, acting on the statistical information they receive from research institutes now offer this type of protection to every one of their customers.

Guest Author: Bryan Burbank

Finding good cheap affordable dental insurance coverage can be a hard task because it seems that most employers do not offer it and if they do the premiums are very high. When you are searching for a insurance plan you need to take a look at your situation and decide what type of insurance you will need. Are you looking for a maintenance plan or are you needing some major work done. 

Guest Author: Mark Decherd

If your home has just suffered through a flood, not only will you need to mop up the mess, dry out the home, and repair the water damage, you’ll have to figure out whether or not your insurance company will pay the bill. Insurance companies do cover some types of water damage while excluding other types making it hard for the average homeowner to figure out who should pay.

Each year we choose our Gay Ghetto Top 10 by cross-analyzing demographics against real estate sales data to discover those especially prized metropolitan areas throughout the USA that are most in vogue with the diverse GLBT community. When the number crunching is over, we usually have 10 distinct winners, individually ranked by virtue of their popularity. But for 2008 we have some unique and special surprises – including three 2-way ties and a 3-way tie. Our top 10 are so outstanding, in other words, that they rate higher than ever.

Guest Author: Christy Myers

The business security is necessary to secure the business owner. To get the security from all types of threats business owners need protection. 

The business insurance is the basic requirement to protect from all types of threats like theft, fire, lawsuit and employee accident. It is better to get the coverage from all the threats through selection of proper insurance policy. The insurance is important part of any business entrepreneurs. You can get protection by insurance. The present local as well global market condition will also affect on the performance of the small business...

Guest Author: Jim Brown

Some people view pet ownership as simply a way of bringing a new member into the family unit. They want the pet to have the best of care in all stages of life just as they would want any family member to have. Obtaining personal insurance policies for pets can be quite complex at times because there are unusual circumstances that might affect the cost of insurance coverage.

Guest Author: Craig Thornburrow

There are many types of insurance out there available to people, from cars to planes to property, death, life, loss of work, health, and everything in between these subjects. Business insurance is just one of many different markets for insurance that are out there, but it is one of the most necessary as it can incorporate any of a number of things. People work hard for their businesses and when unpredictable things happen that take a toll on the livelihood of the business and the people whose living depends on it, times can get hard fast. Business insurance can protect against that type of inevitability and so much more.

Insure Your Livelihood Against the Inevitable

Business insurance can protect against theft, against disaster, against devastatingly slow times, and even from embezzlement. Depending on the type of policy that you buy, an insurance policy for a business can reach a pretty penny of a premium but with good reason. Business insurance of this type is a huge market, and while many insurers are afraid of what it brings, it is a virtual gold mine to those who can reach the right market for subscribers...

By Guest Author Scott Daugherty

Anybody who watches the news this morning (Feb 7) sees about the horrible storms that ripped through the south. They say that this was the worst damage from tornadoes in 23 years. Just 2 ½ years ago, we saw the worst damage of all time on the Gulf Coast after Hurricane Katrina tore up the coastline from Louisiana all the way to Alabama. There are many other events that I am sure that you can think of.

How many people do you think had enough insurance coverage to sustain their losses? The answer, may surprise you. Statistically, only about 57% of American's have any insurance coverage on their home. Whether you are a renter or a homeowner, there is a policy available for you.

Guest Author: Ajeet Khurana

If you are planning on getting insurance, make sure that you are in for the long haul. There are a number of issues that you will have to be aware of while looking for insurance, and it will not help that there are so many varieties in the market. Insurance comes in so many different varieties that you can cover pretty much anything for any eventuality, meaning that there are enough types around for you to take a look at.

Guest Author: J Tillotson

Who needs life insurance? 

Anyone in dangerous jobs and those with large and/or young families, gain more from being insured than anyone else. Young, single folk with no obligations or dependants may not require as much cover, and therefore may decide to wait until they have a family or commitments such as a mortgage.

Why get life insurance? 

Guest Author: Matthew Hick

Having homeowner's insurance isn't just a good idea; it's a necessity. Unless your home is paid in full, your mortgage company will require you to hold enough insurance to pay off your mortgage loan in the event of a catastrophic calamity to your home.  But, even if you own your home free and clear, you'll want coverage to protect your home against...

Thanks to increasing accident rates and rising repair costs, auto insurance costs are going through the roof. But you can still get affordable auto insurance from a reputable company. Here's how ...

State insurance regulators, working together through the State insurance regulators, working together through the National Association of Insurance Commissioners (NAIC), today announced the details of a regulatory settlement agreement between 36 states, the District of Columbia and United Healthcare Insurance Company over alleged violations of state law involving claims-payment services.

“By working collaboratively, state insurance regulators have proven that we can protect consumers and maintain a strong regulatory system,” said NAIC President and Alabama Insurance Commissioner Walter Bell. “This agreement clearly demonstrates that state insurance regulation, on both a state and national level, is sucessful and effective...”

Living a homosexual lifestyle no longer incurs discrimination from life insurance providers, the Association of British Insurers (ABI) has said.

The industry body remarked that consumers may view being gay as a factor that could affect their application for life insurance, but that this is no longer the case.

"It's possible that there has been a perception that applications were not treated in the same way in the past, but now no longer do people have to disclose.what their sexuality is," said a spokesperson for the organisation.

In October 2005, a new Statement of Best Practice on HIV and Insurance was introduced by the industry, which included guidelines on questions it is "reasonable" to ask to assess an applicant's likelihood of contracting HIV - these questions should not relate to sexuality, the document advised.

"There is government legislation now which means that you don't have to disclose whether you're in a civil partnership, so there can be no way that the insurance company knows what your sexuality is," the industry spokesperson advised.

Meanwhile, Legal & General recently advised people that full disclosure is essential when applying for critical illness cover.

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By Kyung M. Song                                                                                                      Seattle Times health reporter

Scientists have known since 1984 that HIV causes AIDS. But for more than two decades since, the cunning human immunodeficiency virus has foiled all efforts to develop a vaccine.

As nearly a thousand of the world's top vaccine researchers gather in downtown Seattle this week for the four-day AIDS Vaccine 2007 Conference, some of them say the most realistic goal now isn't a vaccine to prevent HIV infection, but rather one that prevents HIV from being passed on.

"The HIV virus is an elusive virus," said Dr. Glenda Gray, a pediatrician and co-founder of the perinatal HIV research unit at the Chris Hani Baragwanath Hospital in Soweto, South Africa.

"I don't think anyone would have expected that it would take so long to find a vaccine."

At the same time, vaccine hunters remain unshaken in their belief that a vaccine is the only way to eventually eradicate AIDS. That's because it is clear now that it's impossible to completely eliminate the biggest sources of infection: unprotected sex, sharing needles, and childbearing and breastfeeding by infected women.