How to Get Life Insurance When You’re HIV-Positive
Although there have been medical advancements that have helped to prolong the lives of HIV patients, finding life insurance coverage for HIV infected individuals continues to be elusive. According to the most recent statistics by The Henry J. Kaiser Family Foundation, the number of new HIV infections in the U.S. reached 56,300 in 2006.
Term Life Insurance With No Exam – Is That For Real?
Can you really get term life insurance without a medical exam? Find out the differences between no exam and a fully underwritten policy.
How Much Term Life Insurance Do You Need?
In order to make sure to provide for your family in the event something happens to you, you have probably looked into purchasing life insurance plans. There are several available on the market and knowing the difference between term life insurance, policies, and deductibles can be a bit confusing at first.
Is Term Life Insurance a Terrible Financial Decision?
Making decisions about insurance is an important part of financial planning and life planning. Deciding if term life insurance is right for you begins with assessing your personal situation and your needs, and whether this particular kind of insurance is appropriate for you.
Low Cost Term Life Insurance – Don’t Leave Your Family in Debt!
No one wants to die. The problem is it really is the one thing that is guaranteed to happen to us at some point. As morbid and negative as it may sound, death is a fact of life.
Taking Out a Life Insurance Policy For an Infant – Why It’s a Good Idea
Why take out a children’s life insurance out on an infant or young child? It may seem like the last thing to think about, but it can have some benefits and be a great gift of future security.
Cheap DUI Insurance in Alaska
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Alaska SR22 Auto Insurance Discounts
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Car Insurance Laws Alaska
Reader’s Question:
My friend is a Russian citizen and is here in Alaska on a student visa. She doesn’t hold a green card. She got a driver’s license in Alaska but drives an uninsured car. Could tell me
what are the car insurance laws and legal issues of not having a car insurance, particularly for a non-US citizen?
Amelie
Anchorage AK
The Mandatory Insurance and Financial Responsibility laws of Alaska would like to ensure that, in an accident where injury and damage to property could occur because of a vehicle collision, drivers and owners are financially responsible. The law would also like to remove from Alaska highways those drivers who are financially irresponsible. According to the Mandatory Insurance law, drivers and vehicle owners, whose vehicle is subject to registration, must have motor vehicle liability insurance, which meets the state’s minimum requirement, since the car is driven on the pubic property of the state of Alaska. This can be found on the Alaska Statute (AS) 28.22.101.
If your Russian-citizen friend fails to provide the proof of liability insurance, the Alaska Division of Motor Vehicles will have her license suspended. Her privilege to drive and obtain a driver’s license are also suspended. This period of suspension may range from 3 months to 1 year. Your friend’s vehicle may also be impounded if she fails to show a proof financial responsibility.
The US Customs and Border Patrol (CBP) advises those who are non-US citizens and plans to come back to US to abide the state’s traffic laws and settle their tickets. Unless there is a warrant, law enforcing officers will not arrest them because of issues with the DMV of the state. However, there will be an intensive inspection on that person if the record is cleared.
Low Cost Auto Insurance In Alaska
Readers Question:
its my first time to buy auto insurance. Where can I find low cost ones in Alaska?
Randy
Juneau AK
Searching for auto insurance that best suits your needs can be a very costly one if you end up getting insurance coverage that you dont really need. If this is your first time to purchase auto insurance in Alaska, there are some steps you can take to ensure that your not wasting time or money when trying to find one.
First of all, in getting auto insurance in Alaska, know that it is mandatory for you to get at least the minimum required liability coverage. In Alaska, the minimum liability limits are $50000 for Bodily Injury Liability for every injured person, $100000 for every accident and $25000 for the Property Damage Liability. Of course, if you want your insurance company to cover more than the minimum, you can always opt to set your limits to a higher amount./p
Take down some important notes about your driving profile and your cars profile. Check your driving record. Do you have a clean one or have you gotten quite a lot of tickets in the past? How old are you? How much are you willing to pay or are you capable of paying for insurance? How often will you be driving your car? Do you drive your car for long distances? Do a lot of crimes happen in your neighborhood? Is your car a new, expensive one or an old clunker that looks like its about to go anytime soon? What do you want the insurance company to pay for if there is ever any accident?
When you’ve finally gotten your answers to these questions, you can do some quick searching on the internet for the different types of coverage you can get. Some of these are Liability, Personal Injury Protection, Medical Coverage, Collision, Comprehensive, Uninsured Motorist and Under insured Motorist.
Knowing the coverage you need saves you from spending extra amounts on those that arent really applicable to your situation. There is no point in spending additional insurance for a car whose current value may be less than the amount youll be paying.
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