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A Home Security System Can Lower Your Insurance Bill

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Among the many reasons to install a home security system, such as peace of mind against theft, invasion, and personal harm, there’s one that might not have occurred to you: An alarm system can save you money over the years by keeping your homeowner’s insurance lower.
This may not be a primary reason to install a security system but a home insurance discount can be used to calculate the affordability of a solid security system. Add in a fire alarm system that alerts the local fire department and the discount rises.

The Home Insurance Discount Companies Offer Can Be Substantial

Homeowner’s insurance covers damage from theft of contents in the home, fire and storm damage (but rarely floods) and injury incurred in the home. It’s a solid investment to help your financial and emotional security after a devastating loss that you obviously hope never occurs. As it turns out, the insurance companies hope the same.

Hence, the generous discounts for home insurance for households that have alarm systems in place. According to Realtor.com, a home security system can reduce an insurance bill by as much as 15%. And if you’ve managed to avoid filing a homeowner’s claim a certain number of years, you can ask for even more discounts and receive as much as an additional 20% premium reduction.

Burglars Move On If They See Alarms

A 2013 study of 422 prisoners locked up for burglary found that most looked for alarms and security equipment such as cameras when they cased a residence. The study, conducted by the University of North Carolina at Charlotte, found some interesting points:

• 83% looked for evidence of security, including cameras, dogs, and signs for the alarm system • 60% skipped over homes with apparent security • Half who discover an alarm system during a break in abandon the house and more than a third said they “might” retreat • Female burglars were more likely to pass over a home with security • Half said they primarily burgled homes and 31% preferred to target businesses

Security Alarms and Other Precautions Protect Your Home and Premiums

While the UNC study certainly shows the benefit of an alarm system as a deterrent measure against burglars, there are still those who will attempt to break into a home no matter what the level of security available.

Insurance companies like to see efforts to prevent break-ins so will even discount items like deadbolt locks on doors and windows. The point is to prevent a burglary, something you and the insurance companies want.

Here are some more low-cost, low-tech approaches homeowners and renters should take to lower the chance for a break-in:

• Make your place look occupied. Use a timer to turn on a couple of lights at dusk. • When you’re away, have the mail and newspaper delivery halted. • You might think that tall shrubs protect you from prying eyes, but in fact burglars use them to hide. Keep them trimmed and protect your privacy with shades and blinds. • Keep windows, doors and garage doors closed and locked even when at home

Benefits of Whole Life Insurance in Denver

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There are several considerations and benefits to choosing a whole life insurance policy over other different types of life insurance policies in Denver, CO. With so many options in the insurance marketplace, it is certainly confusing to choose the best insurance plan for you. However, here are a few advantages of whole life insurance plans in Denver to help you decide why this might be the right one for you.
Benefits of Denver Whole Life Insurance

• Lifelong Insurance Coverage: The term whole life insurance is no misnomer! As the name implies, whole life insurance plans are designed to provide insurance coverage for your whole life, unlike term insurance policies, which only offer coverage for a specified period of time.

• Fixed Insurance Premiums: Premiums for other types of insurance policies generally increase over time to reflect the rising cost of protecting older policyholders. But for whole-life insurance policies in Denver, insurers average the entire cost so that you pay a predictable and level premium throughout your time. Having a fixed insurance premium can be easier for people to plan around the budget.

• Cash Value: One of the distinguishing features of a whole life insurance policy is “cash value”. It means that the insurance premiums you pay towards your plan accumulate in a cash balance that you can use even when you are still alive! If you do decide to discontinue paying your premiums, your insurance plan may still be worth something to you. This, however, depends on how much cash has accumulated. On the contrary, term insurance premiums (pure insurance policies) only pay out upon a death.

• Encourages Savings: For those who require additional encouragement, paying a compulsory policy premium forces them to set aside cash that can be used at a later date.

• Flexible Money Options: The accrual nature of your whole life insurance plans will offer you several flexible options in the future – should you decide to discontinue paying premiums. There may be a waiting period before you can borrow against your cash value. You can also opt to stop paying new premiums, and stretch your accumulated cash value and existing premiums towards a reduced benefit protection.

• Possible Dividends: If you have a participating whole life insurance policy, you can receive dividends from your company. However, they’re not guaranteed and are only paid out when your agency has excess investment earnings, favorable mortality statistics, or savings on expenses. You can choose how you want the dividends to be used: reduce your premium payments, paid out in cash, accumulate interest, or pay for paid up Additional insurance.

• Tax Deferrals: There are added tax benefits of whole insurance policies in Denver. The growth of interest in whole life policy is tax-deferred! In addition, if you have a basic participating policy, any dividends you receive will be considered a return of premium. They will not be taxed for until your total dividends exceed your total premiums.

• Certain Death Benefit: Policy holders are usually guaranteed a death benefit no matter when the holder dies, so long as the plan is active. This assumes the plan wasn’t surrendered, and that premiums were continued. In comparison, under term insurance policies, beneficiaries only receive a benefit if the policy holder passes away within the period covered.

Use the above points to determine if whole life plans are suitable for you and make the right choice!

Why you should consider online income protection quotes

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Ever considered income protection insurance? If the answer’s no then you wouldn’t be in the minority – when compared to life insurance, few people understand the value of income protection. In fact, statistics on how UK households plan to cope with financial hardship show that, whilst 36% of UK households have life insurance, only 8% have income protection insurance. Financial hardship could entail the loss of a loved one and primary contributor to the household income. Whilst this can have a dramatic and lasting effect on both you and your finances, statistics show that you are 3 times more likely to be ill for 6 months or more than to die during your working life. Therefore it seems we really should be giving income protection insurance a little more thought.
Out of employment

If you suffered an illness or injury that prevented you from doing your job, are you prepared to lose your salary? The change in circumstances can have a profound effect on household life, especially if you’re tasked with managing the finances of a whole family. Employers are only legally obliged to provide you Statutory Sick Pay of £87.55 a week for up to 28 weeks; to put this into perspective, that’s just over £350 a month, a sum many people would struggle to get by on. If out of employment then the benefits you’d receive from the government would be unlikely to cover your mortgage or rent.

Critical illnesses

Yet the fact remains, less than 10% of households have income protection insurance in place. Considering the recent findings announced by Cancer Research UK that 1 in 2 people will develop cancer at some point in their life, the figures just don’t add up. A critical illness can have drastic effects on your lifestyle, making protection all the more important.

Peace of mind

Being unable to carry out your job or even simple day-to-day tasks can be frustrating, and if you’re unable to provide for your household then this can bring only greater stress to family life. Buying income protection insurance offers some stability, and whilst it can’t reduce the emotional impact of a situation like this, it will at least provide some peace of mind for whatever’s ahead.

Online income protection quotes

When you consider how easy it is to buy insurance online then it makes it even harder to believe that so many people don’t have protection in place. The internet makes retrieving and comparing online income protection quotes simple and hassle-free, and with the range of prices before you then you’ll be well-placed to find an affordable option. It’s important to do a little research to find the best deal for you, and discount brokers can be a good option for many customers.

Discount brokers

Discount brokers are much like your typical broker, offering a great range of insurance products from a reliable panel of providers. However, where they’re different is in the way they charge you – typical brokers will take commission on your policy, meaning they’ll be taking that little bit of your hard-earned cash every month. This can amount to hundreds of pounds when considering the length of typical income protection policies, but discount brokers charge just a small one-off fee for setting up your insurance, often as little as £20. They then rebate you all commission to ensure you get the cheapest deal possible.

Take Best Price Financial Services for example: their online income protection quotes are some of the most competitive around. What’s more, they come from some of the best insurance providers – the ones that you can trust to provide great cover at an affordable price and, most crucially, pay out when you need it. They offer quotes from providers such as Aviva, Zurich and Friends Life. The latter of these three paid out an average of £860 a month per claim in 2013, and accepted 85% of all claims received. 10% of claims were not accepted due to inaccuracies in the medical definition given by the insured person at the start of the policy, foregrounding the importance to reveal any existing health issues – honesty is the best policy. Being honest when filling in your form will mean you can be sure that your claim will be accepted when it matters.

Take time to gather income protection quotes, to compare prices and to take note of the individual features offered by each option. Your cover will vary between providers, and it’s important to be sure that you’re happy with everything on offer. Taking out the policy is quick – fill in a form, or submit your details by post, and you’ll feel that weight lifted from your shoulders. There are few better feelings than knowing that your finances, and family, are safeguarded, and with online income protection quotes just a click away, it couldn’t be easier. Visit Best Price FS to find out more and gather quotes today.

How to Choose Affordable and Technically Advanced Printers

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A large number of documents today float in softcopies. These may be in the form of digital documents in various forms but they are acceptable almost everywhere. This is a kind of complete shift in the way businesses operated or office documentations took place a decade ago. However, even in this increasingly advanced computer era, need for printed documentation has not subsided. In fact more technical advancement has taken over the yesteryear printing patterns. Result is – we see much more lucrative designs and high-definition images getting printed.
Having realized the significance of printing in the modern world, it should not be wrong to say that the business world largely relies upon high quality printing. Chunk of their publicity happens through printed material and evidently, their dependence on modern age, sophisticated printers is evident.

Large variety of printing solutions:

Need of the hour is such an agency which can take care of a large variety of printing solutions. On one hand, there are businesses which need printed items for their promotions, offers, updates, information of different types and the other, there are government or public sector needing their own printed items. For this, it is important that the printed material is catchy, lucrative and vibrant. All that clearly signifies how dependent businesses are on printed material and further, printing agencies are on advanced printing solutions.

Elegant Printers – meeting expectations:

When businesses grow, they want world class agencies to associate with and expect high standard solutions for their everyday and special needs. When it comes to printing solutions, one agency is predominantly preferred by businesses and then name is Elegant Printers. As the name says it all, elegance is the prime attribute of all printing jobs done at Elegant Printers. The agency has innovative minds that can produce business-centric designs for any business under the sun. Moreover, the agency’s design finesse gets rightly complemented by their extraordinary printing devices and inclusion of latest advancements.

As a result, Elegant Printers is the leading agency for printing every print item for businesses – right from brochures to pamphlets and from flyers to visiting cards! All these things mean serious business and so companies needing them cannot rely upon inexperienced people with below average printing facilities.

Many Printing Options available

Screen printing has been an all time favourite from many perspectives and this traditional printing approach is prevalent to this day. A noteworthy amount of work gets done on offset printing. The prominence of offset printing can be understood from the fact that a lot of businesses want some specific items to be designed and printed through offset printing. The new age and revolutionary alternate is digital printing. This allows exceedingly good picture quality and the paper finish is awesome too.

Elegant Printers of Bangalore is such an agency which offers all these printing regimes and deals in all of the three of them. Elegant Printers is many steps ahead of its counterparts as the agency aims to touch most aspects of human life and expects to serve many more businesses. Incorporating revolutionary changes, the agency looks forward to shine brighter than before.