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When it comes to auto insurance premiums, we all have some control over how rates can affect us. You have the opportunity to assume more of the risk with higher deductibles, just carrying liability coverage on older cars, getting discounts for not receiving speeding tickets, in general just being an overall good driver.
However, for some avoiding such incidences seem to be difficult so if this applies to you don’t freight, there is still hope for obtaining insurance.

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What do we mean when we say risk? Well, we all know that when it comes to Auto Insurance, or any form of insurance for that matter, it’s about protecting you financially in the event of an accident. So with that said, think about it for a second, what does an insurance carrier think about when they take you on as being a “risk” customer? They think about ways to get you in the frame of mind to think about your actions more carefully so that you’re not a financial risk to them. How will they manage risk? Here are some ways to think about.

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Do you find yourself in the non-standard status with auto insurance carriers these days? Did you know that many factors effect this type of status not just getting yourself into trouble from drinking while driving, or more commonly known as a DUI?, or being involved in a few accidents? Others factors can classify you as a high risk driver that you need to be aware of. After reviewing these helpful tips I hope it helps you in obtaining more affordable auto insurance.

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Did you get ripped off when you bought your annuity? Maybe.

I often get called from people who own annuities and the first question they ask goes something like this: ‘I own a (insert annuity name here). Did I get ripped off? It’s not an easy question to answer but let’s take a look at that.

Lets assume being ripped off means one of three things:

1) That you didn’t exactly get what you paid for (i.e. invested in).

2) You got something completely different than what you paid for.

3) You got something you weren’t expecting.

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What does it take to get your money out of your annuities? That is a great question. It is probably no surprise that your annuity has surrender charges. However, some annuities require even a little more than waiting that surrender period out to getting your money. What I am talking about are what are typically referred to as two-tier annuities. Let me explain.

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