Things To Know Before Searching For Life Insurance Quotes

By Rodney Daniel Bolton

Purchasing life insurance is a good decision and an important step in providing for the future of your family. But life insurance can be confusing; especially if it is the first time you are faced with this decision. There are a few things you should know before you search for life insurance quotes.

You will need to know what kind of life insurance is best for you, and how much you want to be covered for. On the market today, the most widely sold types of polices are term life and whole life insurance.

Whole life insurance is designed to cover you for your entire life. Whole life insurance policies have been around the longest and are still widely held by many consumers in the market.

Not only does whole life act as an insurance policy, but it can also be an investment. Money will accumulate in the policy account. For this reason, the payment you make will probably be higher at the beginning of the policy. It will lower as money has accumulated. If you ever find yourself in need, you will be able to borrow against the accumulated amount.

Term life insurance is for a specific amount of time that you choose. As long as you make the premium payment, you will be covered during the term of the policy. Unlike whole life insurance, term life insurance does not accumulate a cash value. Once the term is over, you receive no money and you are no longer covered.

If your salary is high and you have been able to put a lot of money aside for the future of your family, term life might be just what you need. If, on the other hand, you do not make much and have not been able to save much, a whole life policy might be a better choice for the future of your family.

With the knowledge of the policy that is best for you, it will not be difficult to find a policy. The Internet has made it easy for companies and brokers to offer you comparisons online. It will not take much time to find the life insurance quotes you need. - 32196

About the Author:

We are all becoming old, which is why there are so many people around the world looking for life insurance quotes. If you feel that life is becoming shorter, it could be time for your life insurance policies.

What Do Mobile Notary Publics Do?

By David Stone

Understand the duties of notary publics.

A notary public acts as an agent who attests or certifies deeds and other documents. This is usually done under an official state seal . The notary may collect identification proof in order to make sure the person who signs has the indentity he or she claims. They may slo try to help make sure that papers are signed in the correct places.

Have you ever had to have a paper notarized? A public notary's duties are mainly related to instruments used in business transactions. Loan documents, contracts, and applications are common examples of things that need to be notarized. As you can see these are all procedures which require an impartial third party in order to validate them.

If you had to look for a notary, you would probably start your search at your bank, office, or other business. Many companies keep one on staff as a convenience for employees or customers. They may charge you a small fee, and that fee is strictly regulated by the state they work in. Sometimes the service will be free for clients and employees because it is underwritten by the company.

Who Needs a Mobile Notary?

A mobile notary (also called a signing agent) performs the same functions we already wrote about. But they will come too the place their services are needed. They will actually visit the place they are needed, and because of this, they usually only do business transactions so they can charge a higher fee that makes the travel worth it for them. Title companies often use these professionals to help facilitate closings. They can certify documents, collect signatures, and also make sure documents get moved from one place to another.

An authorized and trained professional agent can collect signatures and move documents from one location to another. This makes the whole process more convenient for everybody involved.

Notaries have some limitations.

Keep in mind that notary publics are not lawyers. You cannot ask them questions about your contract. You need to address those questions to the lender before you sign documents. They are simply agents who make sure that documents are completed and signed the way they need to be. - 32196

About the Author:

Can we help you find a Houston Signing Agent? We are very qualified to help you! We can provide a mobile notary service.

What Should You Look For When Renting An Apartment?

By Adriana Noton

If you are just leaving home for the first time, or moving to a new location for work and looking for a place to live, you want to make sure that you make an informed decision about where you will be living. When choosing an apartment, you want to make sure all of your needs are met before you make your choice. There are a variety of different types of apartments rentals on the market with different amenities offered and different terms and conditions. Before you make your decision, there are many factors that you should take into consideration.

1. Apartment Location: When considering an apartment, it is important to factor in its proximity to such places as school, work, and other essential places such as hospitals, recreational centers, outdoor recreational activities, religious institutions, supermarkets, and shopping centers. For example, you may be looking for Toronto apartment rentals. If you do not have a vehicle, having an apartment that is within walking distance to the essential places is a good choice. If not, you should consider a place near a bus or subway stop. Often, the more expensive apartments will be in close proximity to the essential amenities and services. You can always consider a roommate. You should also look at the neighborhood. Is it friendly and well-maintained? Are the houses and other buildings in good shape?

2. Type of Apartment: Before you start shopping for apartments, consider what type of apartment you require. Consider the number of rooms and the size of each room. Make sure the kitchen and bathroom will be large enough to meet your needs. As well, consider such features as whether you need a shower, bath, or both. Also, some apartments will come fully furnished, but they will cost more. The size of the apartment will also depend on your budget. The bigger the apartment, the higher the rent will be. Also consider the noise level of the apartmenft. Are the walls paper-thin? Can you hear televisions, music, and people talking? You should also inquire about other costs such as water, lights, heat, cable, garbage collection...etc.

3. Leases and Rental Agreements: A lease is a contract that you sign when you rent an apartment. It details the landlord's terms and conditions. Before signing a lease you should carefully read it over and make sure you know your rights. The lease will tell you how much you have to pay, the amount of the damage deposit, how much notice you have to give when you plan to move out, how long you are locked into the agreement, and what happens if you break the lease. A rental agreement is generally a month-to-month contract. This is a good choice if you do not know how long you will be living in the apartment. Leases will lock a person into a contract to pay for a certain amount of time such as a year. It will then be renewed at the end of the year, or the renter will move out. A rental agreement gives more flexibility. Sometimes if you have found an apartment you like, you can negotiate the rent. It all depends on how firm the landlord is with the amount they are charging for rent.

There are many apartments that offer different types of amenities and services. When searching for an apartment, it is important to take your needs into consideration. You should thoroughly research a number of apartments before making your decision. You want to make sure that you are happy and comfortable with your choice. - 32196

About the Author:

Are you looking for appartment rentals in Toronto? If so, look no further! We're the number one source for Toronto apartment rentals and Toronto apartments for rent. Find your dream apartment in Toronto today!

Ousting Third Party Defense From Professional Liability Contracts

By Tim Esler

Engineers' and architects' professional liability insurance policies are "indemnification policies" which means that the insurance carrier agrees to "make whole" any party that suffers loss or injury resulting from "negligent deliverance of professional services" up to the available limits of the professional liability insurance policy. Negligence is the operative word meaning that the standard of care is the "ordinary man" standard (not perfection).

It is a misfortune that many contract drafters that are used for architects' and engineers' professional services do not understand a professional liability insurance policy has no provision within the policy to provide "defense" to anyone outside of the design professional (unlike in a General Liability policy's "additional insured" provision providing affirmative defense of a third party).

Most owners are not educated properly to understand the implications that differentiate engineers' or architects' professional liability insurance policies from a contractor's general liability policy.

Perhaps you are wondering why this is not insurable. Professional liability is brought on by "actual or alleged negligence" and solely benefits the design professional. To grant affirmative defense to a third party due to alleged negligence is outside the policy's provisions. Professional liability policies will compensate an owner for costs accrued in their defense as long as the architect or engineer was actually negligent.

Additionally, ALL professional liability policies for engineers and architects contain a CONTRACTUAL LIABILITY exclusion that states that the only contractual coverage granted by the policy is "such liability that would have existed in the ABSENCE of a contact." [In short, this means that even without a contract the Design Professional is always held to the negligence standard of care.]

Clearly, you should remove the word "defend" from the professional liability policy contract and make sure that the balance of the indemnity provision is correctly based on your "negligence." Now, the only question is: "What do I actually do when the owner (or their attorney) recoils at the removal of the word "defend" from the contract? - 32196

About the Author:

Timothy Esler, CPCU, is a Principal with Fenner & Esler Insurance Agency, a boutique insurance brokerage and risk management organization representing architects and engineers countrywide. Tim's complete original articles are published in The Zweig Letter.