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	<title>Answers for InsuranceLibrary.comChristopher Downing - Independent Insurance Broker - Quote Me 4Life Insurance</title>
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		<title>Answer on What Happens To Life Insurance When You Change Jobs? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-change-jobs#answer_24074</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Mon, 08 Sep 2014 00:31:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-change-jobs#answer_24074</guid>
		<description><![CDATA[Having life insurance on the job is better than having nothing, you should have a personal policy as well; why?  Your job, if you ever left, fired, laid off, quit, retire, no more group life insurance.  I say always elect to join a group work policy because it&#039;s so cheap.  I tell all my clients this.

(At work your job owns your policy) Again; therefore you should have your own policy as well. Young and healthy is the best time to get life insurance you are rated based on your health and age and some other factors. Life insurance is not something you can get when ever you feel like it, it&#039;s like applying for a credit card either your approved as applied for, approved at a higher rate or your insurance is decline.  If your health is not so great then a group policy of course would be great for you.]]></description>
		<content:encoded><![CDATA[Having life insurance on the job is better than having nothing, you should have a personal policy as well; why?  Your job, if you ever left, fired, laid off, quit, retire, no more group life insurance.  I say always elect to join a group work policy because it's so cheap.  I tell all my clients this.

(At work your job owns your policy) Again; therefore you should have your own policy as well. Young and healthy is the best time to get life insurance you are rated based on your health and age and some other factors. Life insurance is not something you can get when ever you feel like it, it's like applying for a credit card either your approved as applied for, approved at a higher rate or your insurance is decline.  If your health is not so great then a group policy of course would be great for you.]]></content:encoded>
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		<title>Answer on What Does Level Term Mean In Life Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-level-term-mean-in-life-insurance#answer_25153</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Mon, 03 Nov 2014 06:06:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-level-term-mean-in-life-insurance#answer_25153</guid>
		<description><![CDATA[It&#039;s a type of term policy where the face value remains the same from the effective date until the expiration date, it would also mean a period of time the premiums would remain level. For example, the 5, 10, 15, 20, 25 &#038; 30. However, after the level premium period most policies turn into Annual Renewable Term where the premiums increase annually.  Some policies you can convert before age 60 or 65 into a permanent policy.]]></description>
		<content:encoded><![CDATA[It's a type of term policy where the face value remains the same from the effective date until the expiration date, it would also mean a period of time the premiums would remain level. For example, the 5, 10, 15, 20, 25 &amp; 30. However, after the level premium period most policies turn into Annual Renewable Term where the premiums increase annually.  Some policies you can convert before age 60 or 65 into a permanent policy.]]></content:encoded>
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		<title>Answer on Is My Spouse Covered On My Auto Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/is-my-spouse-covered-on-my-auto-insurance#answer_24854</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Mon, 13 Oct 2014 03:09:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/is-my-spouse-covered-on-my-auto-insurance#answer_24854</guid>
		<description><![CDATA[Yes In some states a spouse is automatically a named insured even if they are not listed on the policy declarations page.  It&#039;s always a good idea to add your spouse to the policy ( a named driver) any way just to be on the safe side.  Anyone in the household who had a license must be added to the policy as a driver or a non driver ( excluded driver).]]></description>
		<content:encoded><![CDATA[Yes In some states a spouse is automatically a named insured even if they are not listed on the policy declarations page.  It's always a good idea to add your spouse to the policy ( a named driver) any way just to be on the safe side.  Anyone in the household who had a license must be added to the policy as a driver or a non driver ( excluded driver).]]></content:encoded>
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		<title>Answer on What&#8217;s The Difference Between Whole Life And Term Life Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/life-insurance/whats-the-difference-between-whole-life-and-term-life-insurance#answer_24820</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Fri, 10 Oct 2014 05:47:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/whats-the-difference-between-whole-life-and-term-life-insurance#answer_24820</guid>
		<description><![CDATA[Life insurance that is kept in force for a person’s whole life as long as the scheduled premiums are maintained. All Whole Life policies build up cash values. Most Whole Life policies are guaranteed as long as the scheduled premiums are maintained. 

Term insurance is the type of life insurance that provides protection for a specified period of time. It usually has no real cash value build up.  They do have term policies that will return all of your premiums back to you at the end of the term period if you out live the policy.]]></description>
		<content:encoded><![CDATA[Life insurance that is kept in force for a person’s whole life as long as the scheduled premiums are maintained. All Whole Life policies build up cash values. Most Whole Life policies are guaranteed as long as the scheduled premiums are maintained. 

Term insurance is the type of life insurance that provides protection for a specified period of time. It usually has no real cash value build up.  They do have term policies that will return all of your premiums back to you at the end of the term period if you out live the policy.]]></content:encoded>
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		<title>Answer on What Is Return Of Premium Term Life Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-return-of-premium-term-life-insurance#answer_24793</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Wed, 08 Oct 2014 21:45:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-return-of-premium-term-life-insurance#answer_24793</guid>
		<description><![CDATA[Term life insurance product that provides a death benefit protection and a return of premium feature. This product is some what different do to the fact that it bridges the gap between low-cost term insurance and permanent insurance.

Return-Of-Premium is aimed right at one of the greatest consumer objections to regular term life insurance: I am probably not going to die and my money will have been wasted.” Whether your goal is ensuring income replacement, debt liquidation, a mortgage, a college fund or in the event of a premature death or protecting your family should something happen to you.  Return of premium is a great way to go when purchasing term life insurance.]]></description>
		<content:encoded><![CDATA[Term life insurance product that provides a death benefit protection and a return of premium feature. This product is some what different do to the fact that it bridges the gap between low-cost term insurance and permanent insurance.

Return-Of-Premium is aimed right at one of the greatest consumer objections to regular term life insurance: I am probably not going to die and my money will have been wasted.” Whether your goal is ensuring income replacement, debt liquidation, a mortgage, a college fund or in the event of a premature death or protecting your family should something happen to you.  Return of premium is a great way to go when purchasing term life insurance.]]></content:encoded>
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		<title>Answer on How To Find The Cheapest Auto Insurance Quote? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-to-find-the-cheapest-auto-insurance-quote#answer_24792</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Wed, 08 Oct 2014 21:37:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-to-find-the-cheapest-auto-insurance-quote#answer_24792</guid>
		<description><![CDATA[Shop, shop around. Shop online and over the phone to get the lowest rates possible.  Buying auto insurance online is becoming more popular because of the convenience and flexibility it offers.  Also calling auto insurance agencies are a great way as well; some agents will shop multiple companies over the phone and give you the lowest price and you can purchase right on the spot.  There are many service providers available online which makes it easy to get your automobile insured without even moving out of your home.

The online agency provides all the relevant information necessary for the process and also provides an instant comparison of insurance rates from various service providers at a glance. You can save time and effort that you would have to otherwise spend on doing the research yourself or going out.  Online or over the phone is a great way to save and find the cheapest auto insurance quote.]]></description>
		<content:encoded><![CDATA[Shop, shop around. Shop online and over the phone to get the lowest rates possible.  Buying auto insurance online is becoming more popular because of the convenience and flexibility it offers.  Also calling auto insurance agencies are a great way as well; some agents will shop multiple companies over the phone and give you the lowest price and you can purchase right on the spot.  There are many service providers available online which makes it easy to get your automobile insured without even moving out of your home.

The online agency provides all the relevant information necessary for the process and also provides an instant comparison of insurance rates from various service providers at a glance. You can save time and effort that you would have to otherwise spend on doing the research yourself or going out.  Online or over the phone is a great way to save and find the cheapest auto insurance quote.]]></content:encoded>
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		<title>Answer on Can I Get Car Insurance Online? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-get-car-insurance-online#answer_24791</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Wed, 08 Oct 2014 21:31:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-get-car-insurance-online#answer_24791</guid>
		<description><![CDATA[Yes the internet is flooded with thousands of insurance companies, insurance brokers, agents offering auto insurance rates online. It just takes a few minutes and few clicks on the mouse.

The best thing about getting auto insurance is the competition among the carriers. Because of such competition, many of them offer the cheapest auto insurance rates for you. Shopping for the best auto insurance rates on the internet allows you the option whether or not to talk to an agent as well.  Make sure when online have your old policy ready so you can refer to it for some of the questions you will have to answer. 

When buying a policy online or offline make sure you fully disclose your driving record.  In some States while you’re at it, check your credit score.  Some auto insurance companies will not run your driving record at the time of purchase but they will run it on the back end and once they find out about your driving history and your credit, your rates will increase.  So do the research before you buy.]]></description>
		<content:encoded><![CDATA[Yes the internet is flooded with thousands of insurance companies, insurance brokers, agents offering auto insurance rates online. It just takes a few minutes and few clicks on the mouse.

The best thing about getting auto insurance is the competition among the carriers. Because of such competition, many of them offer the cheapest auto insurance rates for you. Shopping for the best auto insurance rates on the internet allows you the option whether or not to talk to an agent as well.  Make sure when online have your old policy ready so you can refer to it for some of the questions you will have to answer. 

When buying a policy online or offline make sure you fully disclose your driving record.  In some States while you’re at it, check your credit score.  Some auto insurance companies will not run your driving record at the time of purchase but they will run it on the back end and once they find out about your driving history and your credit, your rates will increase.  So do the research before you buy.]]></content:encoded>
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		<title>Answer on Can I Buy Auto Insurance In Another State? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-buy-auto-insurance-in-another-state#answer_23564</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Thu, 21 Aug 2014 20:43:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-buy-auto-insurance-in-another-state#answer_23564</guid>
		<description><![CDATA[This is important because rates and coverage’s vary from State to State.  Each State decides its own car insurance requirements individually.  If you get pulled over by the police and you do not have the right State coverage’s policy for that State you could receive a big fine.  You may not have to buy coverage for that State if Let&#039;s say you take your car to a new state for 2 or 3 month for a job assignment you might be fine keeping your home State’s insurance coverage. In any case, you should always check if using an out-of-State policy, check with your insurer to make sure it’s allowed and that you have enough protection for where you’re headed for that State.  Some insurance companies say it&#039;s okay if you’re only going to be in the non home State for no more than 60 days, still check to make sure.]]></description>
		<content:encoded><![CDATA[This is important because rates and coverage’s vary from State to State.  Each State decides its own car insurance requirements individually.  If you get pulled over by the police and you do not have the right State coverage’s policy for that State you could receive a big fine.  You may not have to buy coverage for that State if Let's say you take your car to a new state for 2 or 3 month for a job assignment you might be fine keeping your home State’s insurance coverage. In any case, you should always check if using an out-of-State policy, check with your insurer to make sure it’s allowed and that you have enough protection for where you’re headed for that State.  Some insurance companies say it's okay if you’re only going to be in the non home State for no more than 60 days, still check to make sure.]]></content:encoded>
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		<title>Answer on Who Offers The Lowest Auto Insurance Rates? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/who-offers-the-lowest-auto-insurance-rates#answer_23464</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Sun, 17 Aug 2014 21:11:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/who-offers-the-lowest-auto-insurance-rates#answer_23464</guid>
		<description><![CDATA[It&#039;s pretty simple; those who are comparing the most number of quotes are the best way to get the lowest auto insurance rates.  Again you want to get as many quotes as possible online and off line.  Discounts and other offers make your auto insurance policy cheaper if you qualify.  Here are a few good driver discounts, vehicle safety discount like alarms and Onstar, also low mileage can help but you may need proof that you drive very low miles per year.  Good student, college degree, good credit and occupation.  Try this out when shopping around; you should save money with these tips.]]></description>
		<content:encoded><![CDATA[It's pretty simple; those who are comparing the most number of quotes are the best way to get the lowest auto insurance rates.  Again you want to get as many quotes as possible online and off line.  Discounts and other offers make your auto insurance policy cheaper if you qualify.  Here are a few good driver discounts, vehicle safety discount like alarms and Onstar, also low mileage can help but you may need proof that you drive very low miles per year.  Good student, college degree, good credit and occupation.  Try this out when shopping around; you should save money with these tips.]]></content:encoded>
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		<title>Answer on Can You Get California Life Insurance Quotes Online? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-get-california-life-insurance-quotes-online#answer_23268</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Mon, 11 Aug 2014 17:57:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-get-california-life-insurance-quotes-online#answer_23268</guid>
		<description><![CDATA[The internet has dramatically changed the way people shop for life insurance, period.  Finding quotes online for California or any State are pretty easy.  Find a website with a life insurance quote engine and begin your quotes, keep in mind that most quotes online are just estimates you could be better off speaking with a live independent broker.  Make sure to speak with a broker because he or she will shop many different companies to get you the best price and policy possible.  With some technology to day online you can get quotes and buy a policy within minute&#039;s right from your home or office if you qualify.]]></description>
		<content:encoded><![CDATA[The internet has dramatically changed the way people shop for life insurance, period.  Finding quotes online for California or any State are pretty easy.  Find a website with a life insurance quote engine and begin your quotes, keep in mind that most quotes online are just estimates you could be better off speaking with a live independent broker.  Make sure to speak with a broker because he or she will shop many different companies to get you the best price and policy possible.  With some technology to day online you can get quotes and buy a policy within minute's right from your home or office if you qualify.]]></content:encoded>
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		<title>Answer on Can You Get SR22 Insurance Without A Car? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-get-sr22-insurance-without-a-car#answer_23240</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Sun, 10 Aug 2014 20:25:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-get-sr22-insurance-without-a-car#answer_23240</guid>
		<description><![CDATA[This would be a non owners Insurance and is basically an auto insurance policy without a car, so yes you can.  A policy like this is very similar to a conventional auto insurance policy.  SR22 can be for different reasons but the most common is for DUI and for a person who don&#039;t own a vehicle.  This will reinstate your license with the DMV as long as you keep paying your premiums until the DMV states you don&#039;t need an sr22 any more.]]></description>
		<content:encoded><![CDATA[This would be a non owners Insurance and is basically an auto insurance policy without a car, so yes you can.  A policy like this is very similar to a conventional auto insurance policy.  SR22 can be for different reasons but the most common is for DUI and for a person who don't own a vehicle.  This will reinstate your license with the DMV as long as you keep paying your premiums until the DMV states you don't need an sr22 any more.]]></content:encoded>
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		<title>Answer on Can I Change Auto Insurance At Any Time? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-change-auto-insurance-at-any-time#answer_4680</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Thu, 23 May 2013 00:49:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-change-auto-insurance-at-any-time#answer_4680</guid>
		<description><![CDATA[Yes you can at any time... But your policy could be canceled short rate and you will be charged a short rate fee.  It&#039;s better to switch at renewal unless you are saving lots of money.  See if it&#039;s really worth it to switch because also if you have not had insurance for a few months and this is your first policy in a few months you could be losing your prior insurance discount for your next six months, depending on the State you live in.
Visit my blog to learn more.  https://autoins101.com]]></description>
		<content:encoded><![CDATA[Yes you can at any time... But your policy could be canceled short rate and you will be charged a short rate fee.  It's better to switch at renewal unless you are saving lots of money.  See if it's really worth it to switch because also if you have not had insurance for a few months and this is your first policy in a few months you could be losing your prior insurance discount for your next six months, depending on the State you live in.
Visit my blog to learn more.  https://autoins101.com]]></content:encoded>
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		<title>Answer on How Much Would It Cost For Car Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-would-it-cost-for-car-insurance#answer_4651</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Wed, 22 May 2013 21:30:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-would-it-cost-for-car-insurance#answer_4651</guid>
		<description><![CDATA[It depends on many different factors.  Driving experience, tickets, accidents State your in type of vehicle.  You would really need to get a few different quotes to know.  3 to 4 quotes would be good never settle for one quote.  You could visit my blog for quotes and information. ]]></description>
		<content:encoded><![CDATA[It depends on many different factors.  Driving experience, tickets, accidents State your in type of vehicle.  You would really need to get a few different quotes to know.  3 to 4 quotes would be good never settle for one quote.  You could visit my blog for quotes and information. ]]></content:encoded>
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		<title>Answer on Can I Drive An Uninsured Car On My Own Insurance? by Christopher Downing</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-drive-an-uninsured-car-on-my-own-insurance#answer_4639</link>
		<dc:creator>Christopher Downing</dc:creator>
		<pubDate>Wed, 22 May 2013 20:33:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-drive-an-uninsured-car-on-my-own-insurance#answer_4639</guid>
		<description><![CDATA[That would depend... Some insurance companies will cover 3rd party vehicles your liability coverage will follow you depending on the policy and the State.  Some insurance companies will not cover this at all.  Check with your agent in your State first.  I would want to see that in writing before I purchase a policy.]]></description>
		<content:encoded><![CDATA[That would depend... Some insurance companies will cover 3rd party vehicles your liability coverage will follow you depending on the policy and the State.  Some insurance companies will not cover this at all.  Check with your agent in your State first.  I would want to see that in writing before I purchase a policy.]]></content:encoded>
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