What To Expect When Applying For Life Insurance #answers #to #crossword #puzzles

#the answer to life


What To Expect When Applying For Life Insurance

Life insurance can help ensure that your dependents have the resources they need to replace your income after you die. But how do you go about purchasing coverage? And what can you do to get the best possible rate? Understanding the process for obtaining life insurance can provide you with options for getting the coverage you need at a price you can afford.

Determining Your Policy and Coverage
There are two main categories of life insurance – permanent life insurance (which provides coverage for your entire life) and term life insurance (which provides coverage for a set period of time). You can learn more about life insurance options by contacting a local insurance broker (look in your phone book under “insurance agents”) and by getting information from reputable insurance websites such as Insure.com, Accuquote.com and InsWeb.com. (Learn more about your options in Buying Life Insurance: Term Versus Permanent and Five Life Insurance Questions You Should Ask .)

One you have decided to purchase life insurance, you’ll need to determine your coverage amount – how much your beneficiaries will need after you die. Selecting coverage depends on several factors, including the age of your dependents, your spouse’s financial ability and your combined financial resources. (How Much Life Insurance Should You Carry? can help you determine coverage.)

Tips for the Application Process
You will need to complete an application to purchase life insurance. The application will ask for basic information, such as your name, address and employer.

It will also ask for the following personal information:

  • height
  • weight
  • date of birth
  • lifestyle habits (i.e. smoking, drinking, exercise)
  • financial information, including your annual income and net worth

While it may be tempting to lie about your weight or other health issues, it’s important to tell the truth. If the company discovers that you lied about a health condition or lifestyle, it can increase your premium. cancel your policy and/or deny a beneficiary’s claim to the death benefit.

Some insurance companies will accept your answers to health-related questions on the application. However, most companies require an in-person medical exam. A life insurance agent will arrange for a paramedical (a licensed healthcare professional contracted by the insurance company) to meet you at your home, office or a clinic selected by the insurance company.

During the exam, the paramedical will likely:

  • take your medical history (including medical conditions, surgeries and any prescription medications)
  • ask about your immediate family ‘s medical history
  • take your blood pressure
  • listen to your heartbeat
  • check your height and weight
  • draw a blood sample
  • get a urine sample
  • ask about lifestyle habits that could affect your health (such as exercise, smoking, drinking, recreational drug use, frequent travel or high-risk hobbies)

There may be additional tests you need to undergo depending on your age, the type of policy you want and the amount of coverage you’re applying for. Additional tests could include an EKG, a chest X-ray, and/or a treadmill test.

Next, an underwriter at the insurance company will review your application and medical exam results. He or she may order medical records from your physician to learn more about any medical conditions you may have and any treatment received. This information helps them determine what risk you represent to the company financially and how much to charge you for coverage. If you lie about a medical condition, the insurance company may not only deny you coverage but may also “red-flag” you, meaning that other insurers will know you were denied coverage because you lied.

Once your application and medical exam have been reviewed, the company will either approve or deny your request to purchase coverage. That process can take days or weeks, depending on if you have submitted a complete application, how long it takes to receive lab results, if the company requests information from your physician, and so on. (Once you’re approved, learn how to understand the key parts of your policy by reading Life Insurance Clauses Determine Your Coverage .)

Ways to Reduce Your Life Insurance Premium
While you can’t do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps you can take regarding the third – lifestyle. You could lower your insurance premium if you:

Quit smoking. As a non-smoker you are likely to live longer, meaning the life insurance company will have more years to collect your premium payments before having to possibly pay out on the policy when you die.

Lose weight. Weight loss often means lower cholesterol levels, lower blood pressure and lower risk of developing chronic diseases like diabetes. All of these improvements to your health can make you a better insurance risk.

Reduce or eliminate your alcohol intake. Drinking can pose a potential health risk. Life insurance companies will check your application, driving record and your medical exam to get a grasp of your drinking habits. Drinking less alcohol – or stopping entirely – makes you less of a risk for the company and therefore you’ll likely be rewarded with a lower premium.

  • Improve your driving. Insurance companies can hike your premium if you have multiple moving violations.
  • Other non-lifestyle-related ways to reduce your premium include the following:

    Switching from permanent to term life insurance. Depending on your age and how long you expect to need life insurance coverage. you may want to consider switching to a term policy. Check the cancellation policy on your current coverage before making a change.

    Switching insurers. You may be able to get similar or better coverage for less money.

    Eliminating riders. Riders are optional policy provisions that pay additional money to your beneficiaries. Types of riders include these five:

    • accidental benefit rider – pays your beneficiaries if your death was the result of an accident
    • children’s term life insurance rider – pays if a child covered under your life insurance policy dies
    • waiver of premium rider – pays your policy premium if you become permanently and totally disabled
    • living benefits rider – pays a portion of your death benefit payment in advance if you are diagnosed with a terminal illness or if you require long-term care or nursing-home services

    payor rider – waives premiums if you die or become disabled before a covered dependent child reaches a certain age (Find out how riders can help you customize your policy in Let Life Insurance Riders Drive Your Coverage .)

    Looking for “no-load” or “low-load” policies. These policies are often less expensive because insurance agents charge a flat fee rather than a steep commission .

    Asking about payment discounts. You may get a discount for paying your bill in full annually rather than paying monthly. Insurers may also give a discount for having your payment automatically withdrawn from your checking account .

    Reviewing your credit report. Insurance companies can review your credit report when determining your premium. Paying your bills on time (which is noted on your report) assures the company that you are likely to pay your premium on time and in full.

    Choosing a company that has experience covering people with your condition. If you have a medical condition, a broker can help find a company that is likely to work with you and may provide a better rate class.

  • Reviewing your Medical Information Bureau file. Insurers share information on applicants’ medical conditions through the Medical Information Bureau (MIB). Request a free copy of your file from the MIB’s website and review it; incorrect information could negatively affect your premium.
  • Conclusion
    Take the time to educate yourself about your life insurance options. A good insurance broker can help walk you through the process and find the policy that provides the coverage you need at a price you can afford.

    Questions and Answers About Health Insurance: A Consumer Guide #online #answering #questions

    #answers to health questions


    This information is for reference purposes only. It was current when produced and may now be outdated. Archive material is no longer maintained, and some links may not work. Persons with disabilities having difficulty accessing this information should contact us at: https://info.ahrq.gov. Let us know the nature of the problem, the Web address of what you want, and your contact information.

    Please go to www.ahrq.gov for current information.

    Questions and Answers About Health Insurance

    A Consumer Guide

    This guide describes different kinds of health insurance plans and answers common questions. There is a glossary of health insurance terms as well as resources for more information.

    For the print version, download the PDF File (175 KB). PDF Help .


    This guide briefly describes the different kinds of health insurance plans available today, including:

    • Network-based plans.
    • Non-network based coverage.
    • Consumer-directed health plans.

    You will find answers to many common questions you may have about health insurance. Resources are provided to help you find additional, more detailed information.

    There is also a Glossary of health insurance terms. Terms defined in the Glossary are in bold and linked the first time they appear in the guide.

    This guide offers general information only. Do not rely solely on this guide in making health insurance decisions.

    Health insurance plans vary widely, both in cost and in benefits. Before enrolling in a health insurance plan, you should consult the plan brochure and read the policy to get specific information about the benefits and costs and the way the plan works.

    This guide was developed jointly by the Agency for Healthcare Research and Quality and America’s Health Insurance Plans to provide consumers with general information about health insurance options.

    State Disability Insurance (SDI) #disability #insurance #provider, #state #disability #insurance #(sdi)


    State Disability Insurance (SDI)

    State Disability Insurance is an income replacement program administered by the State of California through the Employment Development Department. Employees contribute to SDI through payroll taxes. Not all County employees participate in this program; please check your MoU or Management Resolution to see if you are eligible to participate in this program.

    Eligible employees can apply for SDI if their medical provider has deemed them disabled. Please contact the Employee Benefits Services Unit to obtain a claim form. The Employment Development Department will make all determinations on eligibility as well as benefits granted. For more information of how benefits are determined please contact EDD directly at 1-800-480-3287 or visit their website at www.edd.ca.gov.

    More information on EDD is provided in the following links.

    SDI Buy Back Program

    County employees that participate in SDI may be eligible to participate in the buy back program. Please refer to your MoU for eligibility. All employees eligible for SDI who are off work on a medical leave are required to use all sick leave hours available to them in order to complete the pay period. Once the employee receives their SDI benefit, the employee will need to pay back any overpayments they might have received.

    For example, an employee is off work for an entire month and has applied for SDI. While the employee waits for EDD to make a determination on their claim they will use their Sick Leave Accruals for that month. Once the employee receives their SDI payment, the Employee Benefits Services Unit will determine if there have been any overpayments, meaning that the employee received payment from the County and from SDI for the same period of time. If there has been an overpayment, the employee will need to buy back the sick leave hours used during the period that SDI and County Sick Leave overlapped.

    For additional information regarding this benefit, please contact the Employee Benefits Services Unit at (925) 335-1746.

    According to EDD, if your doctor certifies you must limit your hours of work or modify your work duties due to your pregnancy disability you may be eligible for partial or full disability benefits. The usual disability period for a NORMAL pregnancy is up to four weeks before the expected delivery date and up to six weeks after the actual delivery. However, your doctor may certify to a longer period if the delivery is by Cesarean section, if there are medical complications, or if you are unable to perform your regular or customary job duties.

    For additional information, please contact EDD directly at 1-800-480-3287 or visit their website at www.edd.ca.gov.

    Paid Family Leave (PFL)

    The Paid Family Leave program provides employees partial wage replacement when taking time off work to care for parents, children, spouses and registered domestic partners or to bond with a new minor child. All employees who participate in the SDI program are also eligible for PFL. For additional information, please contact EDD directly at 1-800-480-3287 or visit their website at www.edd.ca.gov.

    Whole Life Insurance: Whole Life Rates – Quotes: Farmers Insurance, whole life


    Whole Life Insurance

    Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

    Whole Life Policies

    Whole life is one of the most common types of permanent life insurance offered by Farmers New World Life Insurance Company. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. 3 Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free 4 access to cash value and death benefits. 5

    Farmers EssentialLife Simple Whole Life 6

    Farmers EssentialLifeВ® Simple Whole Life is a modernized whole life insurance policy combining the traditional guarantees of whole life with optional riders (available at additional charge), potential to earn excess credits, and a discount 7 for customers with other Farmers insurance policies.

    Farmers EssentialLifeВ® Simple Whole Life features guaranteed level premiums, guaranteed cash values and is payable to age 100. Unlike universal life or variable universal life insurance policies, the cash value, premium requirements, and death benefit of Farmers Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.

    • Simplified underwriting
    • Discounts available for customers owning other Farmers policies

  • Fast underwriting decision, after completing the application with your local agent

    Farmers Graded Death Benefit Whole Life 8

    To help prepare for life’s unexpected expenses, the Farmers Graded Benefit Whole Life is a life insurance policy for those who want permanent insurance coverage with guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, the Farmers Graded Benefit policy could offer otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

    • No medical exam, just answer three simple health questions to determine eligibility
    • Guaranteed cash value accumulation
    • Guaranteed death benefit. 9 Limited death benefit during the first two policy years.

    Farmers Premier Whole Life 10

    For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life features guaranteed level premiums and guaranteed cash values.

    • A wide range of face amounts for most financial needs
    • Guaranteed cash value accumulation
    • Option to add several riders and benefits available at an additional charge

    Contact a Farmers agent to learn more about whole life insurance.

    2 Lifetime coverage is guaranteed provided premiums are paid per the terms of the contract.

    3 Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties

    4 Distributions from a life insurance policy in the character of partial surrenders (withdrawals) up to basis or policy loans will generally be income tax free, provided the policy does not violate Modified Endowment Contract (MEC) guidelines and the policy is not terminated during the lifetime of the insured. MEC guidelines are rules in the Internal Revenue Code which specify maximum premiums that can be paid without triggering adverse tax consequences for withdrawals. A policy termination during the life of the insured can cause the owner a single taxable event for any gains in the policy that were borrowed or withdrawn on or before the termination date.

    5 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

    6 Policy form 2008-352

    7 Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your agent for more details.

    8 ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited death benefit during the first two policy years.

    9 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    10 Policy form 1995-112 or applicable state variation. (Farmers Premier Endowment at age 100 – IN and PA.)

  • Calculating Actual Cash Value, Part 19: Pennsylvania #actual #cash #value #homeowners #insurance


    Property Insurance Coverage
    Law Blog

    Home Insurance Calculating Actual Cash Value, Part 19: Pennsylvania

    Calculating Actual Cash Value, Part 19: Pennsylvania

    It was an exciting down to the wire finish on Monday night for the NCAA basketball championship. Congratulation to Villanova! This week my blog in the series on calculating actual cash value will focus on Pennsylvania.

    In Pennsylvania, actual cash value has consistently been interpreted to mean repair or replacement costs less depreciation. 1

    In Gilderman v. State Farm Insurance Company . 2 the Superior Court held that where an insurance policy provides that the insurer will pay repair and replacement costs and that it will pay actual cash value in advance of actual repair or replacement of a covered loss, the insurer may not automatically withhold both depreciation and a flat 20% representing contractor overhead and profit from its advance payment.

    Another issue that comes up when discussing ACV is whether labor can be depreciated. In Pennsylvania, for partial losses, the answer is no:

    [I]n partial loss situations, in the absence of clear language to the contrary, an insurer may not deduct depreciation from the replacement cost of a policy and that the phrase ‘actual cash value’ may not be interpreted as including a depreciation deduction, where such deduction would thwart the insured s expectation to be made whole. 3

    We are nearing the halfway point in the number of states covered in this series. Feel free to send me an email or leave a comment below with a request for the next state I will address in this blog series.

    1 Gilderman v. State Farm Ins. Co.. 649 A.2d.941, 945 (Pa. Super Ct. 1994) .
    2 Id.
    3 Kane v. State Farm Fire Cas. Co.. 2003 PA Super 502, ¶ 19, 841 A.2d 1038, 1047 (Pa. Super. 2003) .

    This is an issue that is very important to me. I am in charge of all policy wording for the Property Practice. I would really like to read the 18 previous issues on this subject. How do I obtain them?

    Steven Enter into Google s word search box Calculating Actual Cash Value, Part 1 . And continue the search by adding Part 2, Part 3, and ect. accordingly.

    Correct me if I am wrong, but I read this as; I will continue to pay the highly inflated premiums, with little or no guarantees that my insurance will actually cover the loss. So if I live in a 40 year home that is destroyed by fire, or natural disaster. I pay a premium based on a value of $250,000,but I will have everything depreciated and end up only getting monies to what STATE FARM determines to be it s value or useful life. Will that mean my house would only be useful for another 20 years, therefore it was 60% used up and they will only pay me 40% of the insured value? What can be done about this? This is absurd, besides it should be illegal. They don t offer to reduce premiums at a depreciated rate.

    This change could potentially reduce or eliminate coverage depending on how it is interpreted, and in that regard should viewed as an actual or potential reduction in or elimination of coverage.

    Same state; same insurer. Will they offer a Kelly Blue Book to rate our property with a depreciated value Before we renew our policies?
    Fraudulent Legalese.

    Seriously, I m am requesting the next state you address is Illinois. The quote is directly from my policy renewal.

    Thank you for your time and any help you provide.

    Thank you for your comment. I previously addressed Illinois. Here is a link to the blog post:

    I just got my renewal from State Farm with FE 3650
    I live in Missouri.
    It also stated if you wish to secure coverages from another insurance carrier, contact your insurance producer immediately..
    I think they are trying to drop all homeowners insurance like they did in California after the earth Quake, they dropped earthquake insurance.


    Established in 1985, Merlin Law Group is a leading insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. Property insurance law is a highly complex and specialized area of law and our firm represents policyholders when claims are denied, delayed or underpaid. To learn more about Merlin Law Group visit: www.merlinlawgroup.com .

    Stay Connected

    Home, Condo, and Renters Insurance, MetLife, homeowners insurance condo.#Homeowners #insurance #condo


    Home Insurance

    Whether it’s a house, condo, or apartment, there’s no place like home.

    Homeowners Insurance

    From burglary to storms, our policies have your residence covered—inside and out.

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    Homeowners insurance condo

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    Umbrella Insurance (PELP)

    Find the right home insurance today.

    We can help you find solutions to meet your unique needs. Just fill out the form—there’s no obligation.

    By clicking submit, you agree that we* may contact you at the number you’ve provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don’t want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

    *A MetLife company or third party acting on MetLife’s behalf.

    MetLife Auto Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company , Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify.

    Like most insurance policies, MetLife Auto Home’s policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto Home Representative.

    How Good is 21st Century Car Insurance #century #car #insurance


    How Good is 21st Century Car Insurance

    If you have been considering 21st Century Car Insurance for auto insurance, you might like to know how they stack up against the competition in certain key areas. Although 21st Century Car Insurance has recently merged with AIG, the company still underwrites policies under its own name. Here is some information about the company so that you can judge for yourself if they are good insurance company or not.

    Get a Free 21st Century Car Insurance Quote

    Financial Rating

    According to AM Best Company, 21st Century Car Insurance has an overall credit rating of “A” and a financial strength rating of “A,” which is considered excellent when compared to other insurance companies. AM Best is the recognized authority when it comes to rating insurance companies for credit and financial strength. An “A” AM Best rating means that a company usually pays its credit obligations on time, and has adequate credit and resources to pay claims as they arise.

    Insurance Rates

    Overall, 21st Century Car Insurance is considered to offer good or excellent rates for most types of common car insurance policies. In fact, many consumer rating and reviews websites indicate that one of the primary reasons people choose 21st Century Car Insurance is their low rates. While the amount a driver is charged for car insurance depends on many factors, 21st Century Car Insurance offers rates that are competitive in almost all coverage situations.

    Get a Free 21st Century Car Insurance Quote

    Customer Service

    A review of many popular ratings and review websites indicates the 21st Century Car Insurance Company has customer support that is considered to be adequate to good in most cases. Most 21st Century Car Insurance customers that have posted reviews about the company stated that the company is usually very easy to communicate with by phone or e-mail. Additionally, many reviews state that the customer service agents are knowledgeable and friendly and quickly return phone calls or e-mails when requested.

    Claims Handling

    While 21st Century Car Insurance is highly regarded for its low policy rates and good customer service, reviews about the company’s handling of car insurance claims is an entirely different matter. When it comes to handling the payment of claims, 21st Century Car Insurance scores very low when compared to other major companies like Allstate, Geico and Progressive.
    Many customers complain about low valuations offered by 21st Car Insurance Company when their vehicles were totaled or damaged beyond repair. Also, many customers have complained that claims remain open and unpaid for months and sometimes even years after they have been submitted.

    Customer Reviews

    Overall, customer reviews about 21st Century Car Insurance Company are about 50% positive and 50% negative. Positive reviews tend to relate more to the low prices of policies and good customer service when inquiring about policies or making payments. There are also many positive reviews about the company regarding the company’s website, which is considered easy to use and allows customers to quickly access important information about their policies.

    Negative reviews of the company arise out of issues with poor claims handling and refusal to pay claims in some cases. Other negative reviews posted about the company indicate that the company sometimes raises premium rates for no apparent reason and with little explanation.

    Related Articles

    Research Underwriters – A Leader in the Commercial Insurance Industry #auto #insurance,


    Research Underwriters has served as a national leader in the transportation insurance industry for nearly 60 years. Our specialization and commitment to this industry ensures that our clients receive the coverages they need, at the most affordable rates available.

    We offer a wide variety of coverages for your taxi company, with broad acceptability of vehicles and drivers. Ensure you have the right protections in place in the event of an accident, damage to your vehicle, or injury to a passenger.

    We provide insurance for all trucking operations, including dry freight commodities, refrigerated commodities, flat-bed operations, and general trucking. We represent carriers that can provide coverage for local, intermediate, and long-distance radius operations. Whether you have a single truck or a large fleet, we have insurance solutions for your business.

    Our bus program has specialized offerings with trusted insurance carriers. We work with Charter Bus, Tour Bus, Sightseeing, Transit, and School Bus operations. We have long-standing relationships with leading bus insurance carriers, allowing you to receive the best value for your dollar.

    We partner with the top insurance carriers that cater specifically to this highly specialized transportation area. Coverage is available for ambulette services, non-emergency medical transport, and for-hire handicapped transportation.

    We have access to the top specialty markets available for the limousine and livery businesses, allowing us to offer you competitive pricing on all of your insurance needs. Whether you operate classic stretch limousines, luxury SUVs, or limo buses, we have a program to suit your unique business.

    Protecting Your Business

    Research Underwriters has a staff of experienced professionals that can design programs uniquely suited for your business. We provide comprehensive solutions that cover all exposures, allowing you to focus on your business.

    Every business needs the protections provided by liability insurance coverage. Safeguard your assets in the event that your services, products, or operations result in bodily injury or property damage to a third party.

    Our Workers Compensation programs protect your business against claims resulting from injuries to employees. Traditional insurance, coupled with effective safety programs, can reduce workplace injuries and ensure a healthy, productive workforce.

    General Liability policies exclude claims that do not result in bodily injury or property damage, meaning that if your business causes a financial loss to a third party, you will not be covered. Professional Liability policies fill this gap, providing financial assistance to cover judgments, settlements, and defense costs.

    Captive Insurance Programs allows businesses to gain ownership and control all aspects of their insurance programs, including costs and profits. We facilitate the creation and management of single-parent, group, and rental captive options for our clients.

    Car Insurance, Compare Car Insurance Quotes, iSelect, house car insurance.#House #car #insurance


    Compare car insurance

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    There’s more to car insurance than just price. We’ll help you explore car insurance options to find the features and benefits that match what you need.

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    The right car insurance for you

    Our sales consultants know their stuff. Their smarts, combined with our technology, means you can compare and find the right car insurance for you.

    Comparing some of Australia’s biggest car insurance companies.

    We compare plenty of partners and products across our range of services, so you can rest assured you’re making the right choice. While our range of products is always growing, we don’t compare all products in the market.

    Insurance needs can change.

    Your car insurance needs can change, and our consultants will help you find a great deal to suit your circumstances. So whether you’re a first time driver, insuring a new car or reviewing your policy, we can always help.

    How users rated our car insurance service

    Get the right car insurance with iSelect

    • House car insurance

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    Provide us with a few details and the type of car insurance you’re looking for.

  • House car insurance

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  • House car insurance

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    Once you know you’re making the right choice, finalise and buy your car insurance through iSelect.

  • Instant Mexico Auto Insurance – Always Open, Quote & Buy On-line #instant


    Have any questions?

    Call us at (800) 345-4701
    or (619) 428-4714

    Are you in a hurry?

    iPhone users click here (800) 345-4701 to call ahead, and have your mexican insurance policy ready for pick up in just minutes.

    Purchase your mexican insurance online! It’s simple. Answer the questions online, Get your online quote, buy, (At the best rates legally allowed), and print your, full coverage or liability, policy instantly. Try it now

    Since 1973 Instant Mexico Auto Insurance has been making it easy for people driving to Mexico.

    The drive through insurance window is open 24 hours a day 7 days a week. Our office is located just off interstate 5 on your way to Mexico. Parking lot accommodates motor homes and vehicles with trailers.

    Our lobby has travel information, snacks are available for purchase and clean restrooms for a nice rest stop on your trip.

    We have been the Official Mexican Insurance Agent for Score International since 1978. Upcoming races April-May 2014: Code Offroad, VW, Night Race. Norra Mexican 1000. Code Offroad Ladies race. Instant Mexico Auto Insurance is proud to be the official agency for these off road racing organizations.

    Score International

    Record Offroad Series

    Code Offroad Racing


    Baja 1000 off road race
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    Instant Mexico Auto Insurance Baja Log

    Provides our customers with driving and travel information for people driving to hidden gems in Baja California. Know in advance where RV parks are located, where resorts are for fun and enjoyment, as well as upcoming events. Videos of locations are on our Youtube Channel Activities and events are on our Google+ Channel. Stop by and visit foursquare.com our lobby for on your way to Mexico.

    Buy your insurance policy and drive to any of the locations mentioned in our Baja Log