When youre over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry.

Why? They think they can push our buttons when we turn 50 and make us believe that our insurance need has somehow dramatically changed and only AARP, Colonial Penn or one of the other million or so senior focused life insurance companies can help us. Well, nonsense. These companies are playing to fears and pillaging the bank accounts of those who get caught up in it.

They play to fears by marketing no exam and no health questions. So whats really behind those two opportunities?

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If you’re considering making efforts to compare caravan insurance, then it probably indicates that you’re aware of the potential savings and cover improvements that you may achieve by doing so.

Here are a few things you may wish to look at, although the detail of things to compare may be dependant upon the specific type of caravan you have:

• the cover provided – each individual policy may have different nuances in terms of what it covers, for example, you may find one policy that covers your caravan but which does not consider your awning to be part of your caravan, by contrast, another policy may include awnings cover;

• the price – of course, some people may consider that, to compare caravan insurance, you only really need to look at the price but focusing on that exclusively may lead to cover that is inadequate for your needs;

• exclusions and conditions if you’re making comparisons, it’s also important to look at the exclusions and conditions of the policy, directly alongside the cover it is providing – that’s because those elements of the policy documentation may make a significant difference to whether or not you would be eligible to claim;

• your responsibilities – policies may understandably ask you, the policyholder, to undertake certain things as part of your responsibility to help keep your caravan safe and secure (an example may be the obligation to use hitchlocks and wheel clamps on touring caravans) and you may find these are more demanding in some cases than others;

• discount opportunities – some insurers may be willing to reward responsible and sensible behaviour (e.g. reducing overall ri

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The number of general insurance agents in Malaysia is expected to grow by 26 per cent this year, from more than 35,000 in the industry in 2010.

The Chief Executive Officer of the Malaysian Insurance Institute (MII), Khadijah Abdullah said this is based on the average trend of about 800 candidates per month, who sat for the insurance agents exam for the first seven months of this year.

“A career as a general insurance agent is still attractive and very much sought after,” she said during the General Insurance Agents Convention 2011 here today.

She added that as the industry is growing, more measures are expected to be implemented in future to strengthen it.

Khadijah said Bank Negara has come out with new measures on motor insurance, aimed at ensuring consumers are advised accordingly on the appropriate market value of motor vehicles, when purchasing a comprehensive coverage for private cars effective Aug 1, 2011.

“This requires the agents to have an indepth knowledge and ability to advise their clients,” she added.

• Mark King
• guardian.co.uk,

Young Marmalade, which specialises in car insurance for younger drivers, has cut premiums by 17% during the four months to the end of July, bucking the trend of soaring premiums.

AA Insurance said premiums for drivers between 17 and 22 have risen, on average, by 80% over the past two years, while the latest Confused.com/Towers Watson car insurance index, which tracks more than 4m quotes, shows the average 17- to 20-year-old male now paying £4,006 a year for comprehensive cover, compared with an average premium cost of £858.

Simon Douglas, director of AA Insurance, says: “Most young people can’t get their heads round why their first car insurance premium should be 10 times greater than what they might pay for an old banger. B

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Under its new owner Tata Motors, Jaguar Land Rover, the previously struggling car model is now experiencing a boost of popularity that is usually unseen in failing automobile brands, according to the Wall Street Journal.

Sales rise under new ownership

Ford sold the luxury SUV brand three years ago, one of nine combined models sold off by both Ford and General Motors amidst the auto industry’s decline during the peak of the economic recession.

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When hurricane season hits many people become worried that they will lose all of their personal possessions. Life is nothing if not full of surprise and until November it is still hurricane season. The season brings many hurricanes and tropical storms with it so it is important to prepare in advance for a natural disaster because you never know what will happen.

Hurricanes Irene and Katrina should prove to people how important it is to have enough auto insurance coverage. The storms struck many states including New York and New Jersey and so far the latest estimates have said that more than five billion dollars in damage has been done to homes, vehicles, and properties.

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This is a question you need answers for before you purchase a disability insurance policy.  Knowing how these policies work and what features increase their value to you if and when you become disabled is important to learn before you sign on the dotted line.

Here are some questions you need answers for when evaluating your choices for a disability insurance policy:

• How much income replacement will I need?
  Only you can answer this question.  The first step is to list out all your monthly expenses.  Next, list out any liquid assets you might be able to access, as well as other income that wouldnt be affected by a disability (including your spouses income).  Y

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A few months ago we warned unoccupied property insurance clients to be on the look out for fraudsters who might use an innocent owner’s property to make a quick profit. Another case was reported recently, this time in London. The conmen posed as agents and advertised a flat for rent. Those applicants wishing to proceed paid deposits of £2,000 each and were given a date when they could move in. When they tried to do so they discovered that several people had fallen for the same trick and were all trying to move in to the flat. The so-called agents had disappeared with more than £20,000 in deposits on the same property.

Scams such as these can be successful due to the high demand for rental property in the capital. The

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