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The newspaper carried the story about a property agent being sued by the seller for giving bad advice to sell a property at below the market value. The property was sold to the buyer (who was a friend of the agent) who then re-sold the property at a big profit.

The court decided in favour of the plaintiff and required the property agent to compensate the original owner for the loss.

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Bestinsurancequotes4u.com

Creative E Marketing

Was incorporated in September 2000 to enable local and regional agents to leverage online marketing power and gain access to consumers shopping for their insurance needs on the Internet. Since its inception, A has quickly risen to become one of tho top source for online insurance marketing.

Lead Program was designed with the local agent mind. It gives the agent control over the lead price, the territory they want to target, and their daily volume of leads. We help agents grow their business by providing them with high quality, real-time auto insurance leads, homeowners insurance leads, and term life insurance leads .

we continues to expand services to help agents market themselves on the Internet. In January of 2006, Creative E Marketing launched bestinsurancequotes4u.com, an online directory of auto insurance agents. Agent Directory helps agents increase their online marketing reach by targeting consumers looking for a local insurance agent. we continues to create innovative ways to help insurance agents use the Internet to grow their business.

About Creative E Marketing

we Corporation has been in the online insurance business since 2000 and is one of the largest producers of personal lines insurance in the U.S. Each year, millions of insurance consumers visit us to gain insurance knowledge as well as comparison shop for insurance policies.

In 2007, over 5 million insurance consumers visited us. When ready to get an insurance quote, consumers fill out one of our online insurance questionnaires, and become the insurance leads that are available through us.

Term Life Insurance - Money Saving Tips

Term life insurance is a very affordable way to provide life insurance coverage for your loved ones. Even though it is affordable, there are still ways to save on a policy while making sure you maintain the proper coverage level you need.

1. Buy Term Life Insurance When You're Young

Many people may feel they don't need life insurance when they are young. While your financial needs may be lower at a younger age, the rates are also substantially cheaper when you're young. Remember, the goal is to cover your primary assets (like your salary and house) so that if something were to happen to you, your beneficiaries would be able to persevere financially. The best advice is to lock in as much protection at a young age while your health and prices are still good.

2. Your "Half" Birthday Could be Costly to Your Life Insurance Premiums

While some companies raise their prices based on your actual age, most companies increase the price of their policies six months before your birthday. It's a term called "Age Nearest" in the industry, and that half-year price increase could really add up over a 20-year term life policy. As above, the quicker you purchase your policy the better.

3. Select the Right Length of Term Life Insurance Coverage

Everyone has different needs, and not one size fits all when it comes to term life insurance. While it may make sense for people in their 30s and 40s to secure a 20-year term length, a 10-year term might be more appropriate for someone nearing retirement. People who are trying to quit smoking, for example, might be best suited purchasing a shorter term (and then replacing it with a longer term policy when they qualify for non-tobacco prices). Lastly, individuals who have 30-year mortgages might want to consider a 30-year term to ensure that the house is protected throughout the period of the loan.

4. Check for Term Life Insurance Policy Price Breaks

Companies often offer "price breaks" at certain coverage amounts (e.g., $250,000 vs. $225,000). The truth is that many people can actually pay less money for more coverage. Check how little your prices increase when you increase coverage to $250,000, $500,000, or $1,000,000.

5. Buy the Right Amount of Term Life Insurance Coverage

Many agents may try to sell you more coverage than you need. The purpose of life insurance is to "indemnify" (replace financial loss), and what most people should be looking for is income replacement for their beneficiaries. Independent financial planners recommend the following rule of thumb: purchase an amount of coverage equal to 6-10 times your annual gross income.

6. The Right Hobby With the Wrong Insurance Company Could Cost You on Life Insurance

People who participate in high-risk sports or activities (such as hang-gliding, skydiving, mountain climbing, scuba diving, and racing), or even those who like to have an occasional cigar could very well pay more money if they don't pick the right company. Every company looks at risk factors differently and some are more liberal in certain areas than others. Speak with a licensed insurance expert and make sure they have all the underwriting criteria at their disposal and match you with the right company.

7. Work Life Insurance Policies Aren't Always the Best Deal

While purchasing a life insurance policy through your employer is convenient, it may not be the best deal available to you. Work policies are often based on a composite profile of the employees you work with, many of whom may be less healthy than you, or have other underwriting factors that might drive up rates. These type of policies also expire if/when you leave the company. Inexpensive term life insurance polices that cover your dependents until they can live comfortably on their own are often a better alternative.

8. Check Out Your Payment/Billing Options with Term Life Insurance

Many life insurance companies offer discounts to consumers who pay their premiums annually, or who pay monthly by electronic funds transfer (EFT).

9. Review Your Term Life Insurance Policy Often

Do a review of your life insurance policy a minimum of every three years, if not more often. Rates may be lower, and your circumstances may have changed, necessitating more or less protection. If you are replacing a policy, make sure you allow enough time to get your new policy in place so coverages won't overlap or lapse.

10. Don't Overspend on Term Life Insurance Protection

Term life insurance is the most affordable and cost-effective pure protection available, and it is typically much less expensive than a comparable whole life policy. The old axiom still rings true: "Buy Term and invest the difference."

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