The Group of Shelter Insurance Companies has history and experience as its two pillars. It is one of the most successful group of companies in terms of selling insurance to it client base. Their headquarters are in Columbia, Missouri. Missouri Farmers Association, MFA decided in nineteen forty six to have an insurance company named Shelter under the brand name MFA Insurance. The name Shelter was take from the then mission statement of the company which was: MFA is your shield of shelter. They have ever since lived up to those standards and have been in the business of providing, Shields and Shelter to those who require it. They currently have their presence in fourteen states in The United States of America including, Tennessee, Mississippi, Kansas, Kentucky, Louisiana, Arkansas, Colorado, Iowa, Illinois, Indiana, Nebraska, Nevada, and Oklahoma. The Shelter Insurance Companies have a group of insurance companies that cater to the different needs of the difference insurance policy holders. Their companies are into general insurance, life insurance, mutual insurance, banking reinsurance and benefits management.

To be more specific in the genre of insurance they specialize in let me give you some of the coverage they actually do for their clients. The provide insurance to apartment owners. They also provide insurance to boat owners and automobile owners. This is an interesting aspect of insurance and you have to have the knack and experience in advising the client on the right sort of insurance. Customers are generally not aware of the pros and cons of any policy and they are also not aware of what is the best and most appropriate for their vehicles. You need to have agents who have mastered the art of knowing what the customer requires only by looking at the car he drives. At Shelter Insurance companies this is what they do. All Agents working for Shelter Insurance companies have a vast knowledge and experience is allotting insurances to customers. They are also people who take care in seeing that the customer is satisfied. What more could you want from an insurance company?

The other insurance that caught my eye was Commercial, dwelling and farm fire. Since most of the states mentioned above have a large number of population who have farming as their profession, the insurance companies made sure they had laws pertaining to farm insurance policies. Owning a commercial business can be quite a hassle. It comes with a lot of challenges. The one thing I can advice is that taking Fire insurance from Shelter Insurance Companies will be a wise choice. Don’t misunderstand what I just said but life can bring anything your way and it is always better to be safe than sorry. Everything is not in your control and certain things are just fate, but you have a chance of changing that by taking a wise decision and investing is the right coverage for you home or business, and you can be assured that you are in experienced hands and that they would take care of you.

The Group of Shelter Insurance Companies has history and experience as its two pillars. It is one of the most successful group of companies in terms of selling insurance to it client base. Their headquarters are in Columbia, Missouri. Missouri Farmers Association, MFA decided in nineteen forty six to have an insurance company named Shelter under the brand name MFA Insurance. The name Shelter was take from the then mission statement of the company which was: MFA is your shield of shelter. They have ever since lived up to those standards and have been in the business of providing, Shields and Shelter to those who require it. They currently have their presence in fourteen states in The United States of America including, Tennessee, Mississippi, Kansas, Kentucky, Louisiana, Arkansas, Colorado, Iowa, Illinois, Indiana, Nebraska, Nevada, and Oklahoma. The Shelter Insurance Companies have a group of insurance companies that cater to the different needs of the difference insurance policy holders. Their companies are into general insurance, life insurance, mutual insurance, banking reinsurance and benefits management.

To be more specific in the genre of insurance they specialize in let me give you some of the coverage they actually do for their clients. The provide insurance to apartment owners. They also provide insurance to boat owners and auto mobile owners. This is an interesting aspect of insurance and you have to have the knack and experience in advising the client on the right sort of insurance. Customers are generally not aware of the pros and cons of any policy and they are also not aware of what is the best and most appropriate for their vehicles. You need to have agents who have mastered the art of knowing what the customer requires only by looking at the car he drives. At Shelter Insurance companies this is what they do. All Agents working for Shelter Insurance companies have a vast knowledge and experience is allotting insurances to customers. They are also people who take care in seeing that the customer is satisfied. What more could you want from an insurance company?

The other insurance that caught my eye was Commercial, dwelling and farm fire. Since most of the states mentioned above have a large number of population who have farming as their profession, the insurance companies made sure they had laws pertaining to farm insurance policies. Owning a commercial business can be quite a hassle. It comes with a lot of challenges. The one thing I can advice is that taking Fire insurance from Shelter Insurance Companies will be a wise choice. Don’t misunderstand what I just said but life can bring anything your way and it is always better to be safe than sorry. Everything is not in your control and certain things are just fate, but you have a chance of changing that by taking a wise decision and investing is the right coverage for you home or business, and you can be assured that you are in experienced hands and that they would take care of you.

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Georgia is a beautiful state that has sub tropical climate. It is humid and warm sometimes and there is a good amount of rain fall and hence great for farming. This type of climate allows any type of crop to grow without any hindrance. You will be astonished to know that agriculture is Georgia’s oldest and largest industry. They grow every variety of crops there is to grow from cotton to peanuts. The corn that is grown here is exported even to England. There is a lot that goes on from just farming. Once you grow a crop you got to sell it to once the harvest is come. There are a lot of things that can go wrong when you are taking care of crops. This is one main reason why Georgia Farm Bureau Mutual Ins was founded in nineteen fifty nine. Back then farmers and rural workers found it very difficult to bear the losses incurred by natural calamity. Many times they would have a hurricane or floods coming their way and all the hard work and investment made it a crop was all in vain. The Georgia Farm Bureau Mutual Ins understood what the farmers were going through and decided to set up insurances that would cover them.

Georgia Farm Bureau Mutual Ins covers everything for farms to houses and personal property including boats and secondary homes. They are best known for the service they provide. Their motto is to provide the best customer service possible. The reason they have this sort of an insurance company is because most Georgians have their jobs in agriculture or forestry or in the same related or co related fields. With such a huge population having the profession in the same field they had to come up with solutions to cover all their properties with relevant policies. A home insurance policy is different from a farm owner insurance policy and a personal asset insurance policy is different from a automobile insurance policy. Each policy is distinct and has its own set of laws. The main reason also is the state law. Every state in the United States of America has different land and road law and most of the insurance providers have to adhere to these laws while designing their policies while providing the best to their customers too.

One of the primary reasons Georgia Farm Bureau Mutual Ins stands out is not only the offer good insurance deals but they also there in time of need. Some times when you are going through a rough phase financially you just don’t need money all you need is some assurance. Most of the agents make sure they travel to the clients during a mishap and not only explain the term of the existing insurance policy but also give a work of assurance that this too shall pass! What can be more encouraging than a word that brings assurance for the future. Georgia Farm Bureau Mutual Ins has been doing that for the past fifty years and will continue to do so for how ever long it can.

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They have very rightly named themselves as Mercury General Corporation. Mercury according to the roman culture is considered to be the god of trade, profit and commerce. They are so confident of the insurance products that they sell that they have profit as their name. Any company that seeks the customers benefit first wins the favor of all. It is nice to see that such companies exist till today. Most of the policies that are designed are done keeping in mind the needs of the man next door. When it comes to Personal Auto insurance they make sure that you receive the best coverage without making any compromises on the policy that you choose. In spite of giving such great deals they make sure that you avail discounts too, so that you can save as much money as possible. There are very few companies that don’t think of just profits but also of the best they can offer to the client and that is exactly what Mercury General Corporation does.

Mercury General Corporation has a call center that you can reach for any queries regarding the policy that you already have or for any queries regarding the right policy for you and your family. They go a further step and see if they can locate you address so that they can send one of their agents to meet you and clarify all the questions you have about insurance. He other amazing aspect that they sell is the commercial business insurance which helps you protect you business in case of a mishap. Any one from apartment owners to restaurant owners can avail this for affordable prices. It takes a lot to trust but it takes even more to keep up the trust. Mercury General Corporation has not only given good deals to customers but has also been able to win the trust and live up to those high standards. Insurance is not daunting any more because of the clarity they have introduces in their products. Mercury General Corporation had lived up to its own name of being able to be the blessing of profits in the lives of those who use its policies.

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Under the brand of Unitrin.Inc you have many sub brands selling various insurance products. Kemper, is one of their sub brands that deals with providing home insurance, personal automobile insurance, personal life insurance, boat owner insurance and many more. If you are looking for a insurance for home appliances or a new gadget that you have purchased then you know that Kemper has it. Anything to do with personal insurance and you’ll be sure to find it here. The next sub brand would be Unitrin Specialty, deals with personal and commercial automobile insurance. Automobile insurance could be tricky and confusing, but at Unitrin.Inc, like I said before you are assured to get everything under one roof. There is a difference when it comes to personal and commercial automobiles. Let’s looks at trucks for example. You could be owner of a truck company looking to get the best insurance possible. Unitrin Specialty will help you find the ideal insurance for any automobile that you own for a commercial reason. You don’t only have to be a owner of a truck company. You could also be a person running a simple door to door delivery business and just have one automobile that you are using for the purpose of your business but even then you can get a cover for commercial automobile insurance.

Unitrin.Inc also has two banks under its banner. Reserve National and Fireside bank are the two banks that operate for Unitrin.Inc. Fireside bank is a bank that deals with industrial law. To make that simple for you it is an automobile financing bank. It deals with collecting outstanding loan dues and check on the regular payments of interest on the customers account. On the other hand Reserve National Bank on the other hand deals with insurance for home and automobile but the difference here is that it is based in more rural parts to reach out to the folks there. It also deals with a lot of health insurance plans too.

Where can you find such diversity without being confused about any product? Unitrin.Inc had emerged as a brand which is not only trust worthy but also customer oriented. This is what makes up great banking and insurance.

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They just don’t limit themselves to providing insurance to their clients but being a part of their club you have many more benefits. The members of the AAA Auto Club South have many privileges including one that of traveling to location that have AAA Auto clubs at a discounted price or at great offers. The only thing here would be to look up with the place that you’re going to and check if they are affiliated to AAA Clubs. Since I already mentioned that AAA Is an internationally recognized foundation the members also have the privilege of selecting locations abroad. AAA Auto Club South has been providing insurances to clients for many years now. They have been dedicated to winning excellence in the field of customer service and customer service. It is not an easy thing to please a customer. It takes a lot of good service and trust to be able to gain the confidence of a customer. AAA Auto Club South has been able to gain the confidence of the customer. There is no greater marketing than word of mouth. Any customer who is pleased with the services provided will tell ten other of his friends’.

AAA Auto Club South has been able to achieve just that. They have had customers who have been loyal to them for many years and the number keeps growing every year. One of the main reasons they are a huge success is because insurance is not their job but their responsibility. They take it up as a responsibility to inform clients on the benefits of having insurance rather than just selling insurance to them. They have come a long way since the early nineteen hundreds and in their own terms: Many more miles to go!

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Name of Parent Company: WellPoint, Inc.

Location: Indianapolis, Indiana.

Company History: WellPoint, Inc. is a publicly traded holding company that operates a variety of health care networks and health care management services and provides an array of specialty health care products including disability insurance, dental coverage, vision coverage, and consumer driven health plans and certain life insurance benefits related to its group health coverages. WellPoint operates through a fleet of over 45 companies and markets its services and products to employers, individuals and seniors. WellPoint, Inc. emerged from numerous mergers among predecessor companies and was formed from the 2004 merger of WellPoint Health Networks, Inc.(created from California based Blue Cross organizations) and Anthem, Inc., (which grew out of two Indianapolis based mutual insurers that eventually merged and became Blue Cross and Blue Shield of Indiana). WellPoint’s Blue Cross and Blue Shield licensed subsidiaries and their affiliates provide a comprehensive range of group and individual health benefit, life and disability plans.

Company Overview: WellPoint is an independent licensee of the Blue Cross and Blue Shield Association and serves its members as the Blue Cross licensee for California; the Blue Cross and Blue Shield licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York (as Blue Cross Blue Shield in 10 New York City metropolitan and surrounding counties and as Blue Cross or Blue Cross Blue Shield in selected upstate counties only), Ohio, Virginia (excluding the Northern Virginia suburbs of Washington, D.C.), Wisconsin; and through UniCare.

Principal Methods: WellPoint markets its products through a network of independent agents and brokers as well as through an in-house sales force.

Health Business: WellPoint, Inc. (WellPoint) is a commercial health benefits company serving approximately 34 million medical members as of December 31, 2006. The Company is an independent licensee of the Blue Cross Blue Shield Association (BCBSA), an association of independent health benefit plans. The Company serves its members as the Blue Cross licensee for California and as the Blue Cross and Blue Shield (BCBS), licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York, Ohio, Virginia and Wisconsin. The Company also serves its members throughout various parts of the United States as UniCare. WellPoint is licensed to conduct insurance operations in all 50 states and Puerto Rico through its subsidiaries. On June 9, 2005, the Company acquired Lumenos, Inc. On December 28, 2005, the Company completed its acquisition of WellChoice, Inc.

Company Rating:

Best Insurance Reports: 70064

Best Rating: A (The Rating for Most of the Health Subsidiaries)

Company Financial Status:

Ticker Symbol: WLP

Assets & Premiums: WellPoint’s assets at the end of 2006 totaled $51.8 billion and revenues for 2006 were $57.0 billion.

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It is possible that you could secure yourself a good rate with the same insurer for an individual health insurance plan. It wouldn’t be a bad idea to at least check with them to see what they may have to offer you. This will also provide you with the pricing which you can compare with other health insurance plans with other insurers to find the best rates and coverage.

Your former employer most likely was able to offer health insurance to its employees through group insurance plans. In these an employer most often pays a portion of the plans costs, while enrolled employees pay the rest. How much you paid depended on whether you were only insuring yourself or also adding family to your health insurance plan. The number of members in your group health insurance plan also factored into the costs you paid as an individual because the overall costs of the plan was spread out among members.

Group insurance is affordable for bigger companies, but can be beyond the means of smaller business. This can be a catch-22 situation for the small business. To compete with other businesses you want to be able to offer employees some sort of plan for health insurance as an incentive for them to work for you. But when you have 50 or fewer employees, there are less of them to spread the overall costs over, which reduces individual costs. That is why traditional group health insurance plans are not a viable solution for most small businesses.

There is a much more affordable solution for the small or single owner business to ensure funds are available to cover the costs of health care. Health savings accounts are an option for the individual and those small businesses with small workforces. This is a combination of a high deductible health plan with a non-taxable savings account for health care.

Why are health savings accounts gaining on popularity among small business owners and employers alike? Contributions are not taxed and neither is the money that is withdrawn to pay for qualifying health care charges. Ownership of the savings account remains with the individual even when they move to a different employer. Money left in the account at year’s end remains and continues accruing tax free interest. Employers can contribute to the health savings accounts of employees without incurring payroll taxes. Upon retirement the funds can be withdrawn at a significantly lower taxing base than found within traditional IRA’s. Health savings accounts can be used to pay for other expenses aside from health care. Note that withdrawing money from a health savings account for other than health care costs typically results in a 15% penalty. However, paying a penalty is worth it if you are in desperate need of money to pay for something that just cannot wait until a better alternative becomes available for you.

As with all health insurance plans, health savings accounts vary by provider. Make sure that you understand how one being offered to you works before opening and depositing money into it. Affordable health insurance is possible for the small, single owner business. No one should be without health insurance, if it can at all be avoided.

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Do you understand what type of insurance plan you’re protected by? Do you know what type of plan you have? Don’t make the mistake of thinking you don’t have a choice in the matter if you’ve got employer health care. Very often you can choose between two or more different types of health plan, particularly if you work for a large employer. Each plan is quite different, and if you’re not aware of the plan you’ve got, you may actually end up paying more than you need to for your healthcare. If you’ve got a plan that isn’t suitable for your family, that decision could have already cost you plenty.

This means it’s important to understand your choices before selecting a plan. Health plans aren’t all created equal—HMO, PPO, POS, FFS—and you need to understand what each plan entails, and how you can most benefit, before making a choice.

There are some crucial questions to answer before choosing a health plan. Think about the following questions, and how they apply to your health plan. Then consider how well that really works for your family.

• Do you have to choose a primary care doctor?
• Can you visit non-network healthcare providers? If you do, how much do you have to pay per visit?
• Do you have to get a primary care referral before visiting a specialist? If so, how much does it cost to visit a specialist without a referral?
• Do you have to pay co-payments or a deductible? If so, how much? What’s the single person rate as compared to the family rate?
• Does your plan cover preventative healthcare visits, such as for immunizations, well baby check-ups, and mammograms?
• Does your plan include prescription, dental, or vision coverage?

Does Your Plan Suit Your Needs?

Once you understand how your plan works, you can then determine whether it actually works for you at all.

For example, if you and your family are generally in good health, and only require preventative doctor visits for immunizations and other preventative healthcare, then choosing a low-deductible high-premium healthcare plan might be costing you unnecessarily. Not all healthcare plans cover these types of preventative visits, and you might be better off choosing a self-directed health plan that provides you with money to pay for preventative care, rather than reimbursing for treatment.

On the other hand, if you have several young children, and doctor’s visits are a frequent thing for your family, a self-directed plan may not work for you at all. In this case, you might be better off with a point of service plan that provides you with flexible network health care and the option to use a non-network provider.

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First off, you must consider the number and type of vehicles that your organization owns. Obviously the more vehicles you own the higher your auto coverage will usually be. Yet, you may find higher rates for vehicles such as 15 passengers vans, work vans, and some SUVs. These vehicles have a higher center of gravity than the average car; therefore, they have a greater chance of flipping over. Remember, that business auto coverage is similar to your personal coverage; so, some of the rules still apply. For example, newer vehicles are more expensive than older ones. Also, if possible try to steer clear of exotic vehicles and those that have parts that are hard to find.

Next, you need to have a rough estimate of how much auto coverage your small business will need. This is important to consider before going to meet with agents. So, you can avoid getting saddle with more coverage and costs than you actually need. Ask yourself, “How much traveling will my business require?” In order to answer this question accurately, consider whether or not the service you provide will mandate more than just “coming and going,” traffic. For example, if your small business is a delivery services, you will need more auto coverage than a small restaurant business.

After you look at your vehicle, it’s time to shop for auto coverage. Make sure you are familiar with the agents in your city and the insurance companies that they write policies for. The most important thing to remember when you begin to meet with agents is that, insurance agents are a lot like salesmen. And, many will not have your organization’s best interest at heart. Some will tell you half truths. The most common auto coverage half truth is that the state will not allow them to write a policy over a certain amount. The fact is that $1,000,000 is the standard coverage amount. Now, if you are looking at a small agent they may be unable to write a policy over a certain amount. So, if you needed an auto policy for $2,000,000, due to the fact that your organization’s services revolve around driving, a bad insurance agent will tell you half truth and convince you that the additional coverage is not needed. The better agent will tell you the truth and offer other solutions, such as purchasing auto coverage with excess coverage to meet your needs. Be sure to read your auto policy carefully to ensure that your business’ needs and risks are covered under the policy.

However, if you have done a small business auto assessment by asking yourself questions regarding the amount of travel needed and you realize that you don’t have much auto liability, because your organization itself does not own any vehicles. Consider adding a hired and non owned auto endorsement to your general liability policy.

Small business must do their homework before going out to speak with insurance agents. Knowledge is power, and the more you know the better your position.

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This is what Debbie learned when she dozed off and drove through a red light during a peak commute hour. She snapped awake just as she was passing the limit line, and managed to dodge two cars before hitting the third as the driver tried to pass through the intersection. The other car was mangled on the driver’s side, but ran fine despite the damage and would be repaired or replaced by the insurance company. Debbie’s car, however, was as good as totaled. The air bag had deployed, and she was leaking antifreeze and several other fluids from under the crumpled engine compartment despite the low speed at impact.

While no one was injured in the above crash, Debbie was stuck paying for the towing of her mangled car to an impound lot, the impounding itself, and even had to pay the impound lot to dispose of the car before signing the title over to them. The cost of a new car would have been less than the cost to fix her old car, so she cut her losses and moved on. “Paying off the used car I ended up with was hard, especially with no trade in or anything. It was like buying your first car all over again,” she told us.

What if I am careful?

Driving carefully is always the best option, however how carefully can you always drive? There will always be some lax moment when you are talking on the phone, half asleep, or otherwise distracted just as traffic stops. If you are lucky, you will do nothing more than bump into another car, and your own repair expenses will be minimal, but it is possible that you could wind up needing some costly repairs for even a relatively low impact collision. This would leave you liable for the same frustratingly high costs as Debbie, with towing and other damages to pay for. In the worst case, you will be signing your car over to a scrap yard before buying a new car with no trade to show for it. You could even be stuck paying your own medical bills.

Auto insurance may seem like an annoyance when you have never been in a collision, however it becomes a blessing should an accident happen. At the very least, repair or replacement costs on your auto insurance are well worth the money spent when you are standing on the side of the road staring at the smoking wreck that used to be your car.

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