Thursday, June 6, 2013

Find Free Insurance Quotes Online And Save

Mike Heuer, EzineArticles Platinum Author
In the new and improved digital age, there are a great number of insurance companies that offer free insurance quotes online to help people save a great deal of cash while reducing operating costs. In such instances, it can be easy to get overwhelmed by the sheer volume of potential insurance quotes that can be had online. But with the help of a site like the general insurance .org, people can shop and choose the best insurance rates on the types of coverages they need, whether it is auto, home, life or health insurance, there is an abundance of insurers offering free quotes online so people can learn more about them and find the lowest rate on quality insurance coverage to protect them, their families and their assets. Sites like this one help people find those great rates and help keep themselves and their families protected from potential financial harm arising from what otherwise might be protected with a good insurance policy.

Life and Health Insurance Rates That Keep Costs Low

With the federal government now fining people who do not have health insurance coverage, there is a great deal of concern among many U.S. citizens they won’t be able to find affordable health insurance rates. But is can be easy to find free insurance quotes online for health insurance and even life insurance to keep costs low and the federal government away from your check book each year at tax time. And with most families lacking a proper level of life insurance coverage, as determined by federal studies, there is a great deal of risk most people face that do not need to exist. Life insurance rates are at their most affordable in years, especially term life insurance. And a good life insurance plan helps pay the costs of extremely debilitating afflictions, such as a permanent disability or, worse, being diagnosed with a terminal illness, such as cancer.

For those looking for good rates on auto and home insurance, there are a lot of insurers who will provide free insurance quotes online for auto and home protection. Auto insurance is required by law in every state to legally drive on public roads, and even simple liability insurance coverage can add up to large costs if you have a poor driving record. But finding good insurance rates is much easier when using sites like this one to make insurers compete. And if you have a home, apartment or condominium and want to find insurance coverage for it, there is no better place than here to get the best rates on quality home and auto insurance coverage. Many property and casualty insurance companies offer steep discounts when insuring one or more cars with them and especially when insuring a home as well. The combination of rate discounts could add up to thousands of dollars or more over the lifetime of a vehicle being owned or a home being kept in the family.

Free, Easy Insurance Quotes Online

The digital age has more than arrived, and that means it is easier than ever to find great deals on the kinds of insurance coverages people need to protect their homes, autos, assets and lives against potential harm and financial heartbreaks. The best property and casualty insurance companies and the most reputable health insurance and life insurance firms all market their products online so people can examine various offers and find the best deals for them and their families. But that can take a great deal of time to do if searching for several insurance firms and giving them the same info over and over again with no end in sight. But with secure online sites like this one offering free insurance quote tools, the time it takes to find the best deals on quality auto, home, life and health insurance is a fraction of what it might take any other way.

Auto and home insurance rates have gone up in recent years due to a lot of reasons, such as massive catastrophic events leveling homes across states like Oklahoma and Missouri, floods hammering communities from Texas to New Jersey and beyond and a slew of rivers, hail storms, blizzards and other events that can cause damage across the heartland and other parts of the United States. And, of course, California and other earthquake-prone states can result in even the best built homes being demolished by a single event. People living in Washington State know too well even a dormant volcano suddenly can become active and send a wide swath of destruction raining down on nearby homes and cities. But the right kind of auto and home insurance protection can help mitigate the potential harm caused by such event, as unnatural as they might seem. Yet, new reports are full of exactly such tragedies that can cause a great deal of harm and inflict a large amount of financial distress in addition to emotional calamity. Finding a good rate on auto and home insurance protection is the best way to ensure such things do not destroy lives as well as property.

Life And Health Direct General Insurance Quotes Online

Health insurance costs have gone up a great deal in recent years, and the federal health care law has made rate go up even higher while stripping some 7 million U.S. citizens of their group health insurance plans at a time when the federal government is fining people for not having health insurance plans, according to recent reports by the U.S. Congressional Budget Office. So finding affordable health insurance plans that truly protect families is a serious concern for many. And so is finding affordable life insurance, which federal studies indicate most people lack in sufficient quantity to prevent their families from suffering drastic changes in quality of life and income levels if the head of household is injured or killed in a tragic accident. And if afflicted with a permanent disability or diagnosed with a terminal illness, medical costs can be covered so families do not go bankrupt while trying to keep their loved ones alive and living well.

Sunday, June 2, 2013

Everest Group Allies With Arrowhead General Insurance Agency

Officials for the Everest Re Group have announced that its wholly-owned primary insurance subsidiary, Everest Security Insurance Company, has entered into a definitive agreement with Arrowhead General Insurance Agency Inc., a subsidiary of Brown & Brown, whereby ESIC will transfer certain assets associated with its non-standard automobile business to Arrowhead.

Effective April 1, all of ESIC's employees became employees of Arrowhead and Everest will become the exclusive underwriter of the combined non-standard automobile book of business for Arrowhead. This strategic alliance will grow Everest's non-standard automobile business from $30 million to approximately $80 million under the combined book. The pairing of Everest's financial strength with Arrowhead's longstanding expertise in the non-standard automobile sector creates operational efficiencies and growth opportunities for both parties.

“I am very pleased to expand our current business relationship with Arrowhead,” said Daryl Bradley, President of Everest's primary insurance operations. “This alliance gives Everest immediate scale in the non-standard automobile sector and the ability to utilize Arrowhead's infrastructure and technology capabilities to expand our market share in this sector.”

A history of cooperation between the two insurance operations facilitated the merger.

“The decision to enter into this agreement developed from Arrowhead's longstanding relationship with Everest as it currently writes several programs with Arrowhead,” said Chris Walker, CEO, Arrowhead. “Everest is a blue chip company with exceptional financial strength and smart, creative people driven to produce strong results," Walker further commented, "Fortunately, we have built longstanding business and personal relationships with the Everest team and frequently discuss program opportunities. This venture will allow Everest to further tap into our infrastructure and technology capabilities as we work together to scale the program for growth. It truly is a win-win scenario.”

Everest Re Group, Ltd. is a Bermuda holding company that operates through the following subsidiaries: Everest Reinsurance Company provides reinsurance to property and casualty insurers in both the U.S. and international markets. Everest Reinsurance (Bermuda), Ltd., including through its branch in the United Kingdom, provides reinsurance and insurance to worldwide property and casualty markets and reinsurance to life insurers. Everest Reinsurance Company (Ireland), Limited provides reinsurance to non-life insurers in Europe. Everest National Insurance Company and Everest Security Insurance Company provide property and casualty insurance to policyholders in the U.S. Everest Indemnity Insurance Company offers excess and surplus lines insurance in the U.S. Everest Insurance Company of Canada provides property and casualty insurance to policyholders in Canada.

Arrowhead General Insurance Agency is headquartered in San Diego and is an independent national insurance program manager for commercial, personal and specialty products and is one of the largest general agencies in the U.S. with more than $800 million written premium.

Arrowhead's relationships with strong general insurance carriers provide stability for its nationwide network of producers. For more information about its products and services, please visit their website at Arrowhead is a subsidiary of Brown & Brown Inc., which is ranked by Business Insurance magazine as the United States' sixth-largest independent insurance intermediary with $1 billion total revenue. The Allstate Insurance Co. is the largest publicly held insurer in the United States.