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Simply enter your data and submit the request to our computers via the internet. Our system then matches you to those companies with the best rates based on your insurance needs. The selected insurance companies process your request and either FAX, Phone, or Email your quote.

In most cases you can expect to receive between 3 to 6 insurance quotes, usually within 3 hours.

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TERM INSURANCE

Term insurance provides protection for a specified period of time. This period could be as short as one year or provide coverage for a specific number of years such as 5, 10, 20 years or to a specified age as high as 80. Policies are sold with various premium guarantees. The longer the guarantee, the higher the initial premium. If you die during the term period, the company will pay the face amount of the policy to your beneficiary. If you live beyond the term period you had selected, no benefit is payable. As a rule, term policies offer a death benefit with no savings element or cash value.

 

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Premiums are locked in for the specified period of time under the policy terms. The premiums you pay for term insurance are lower at the earlier ages as compared with the premiums you pay for permanent insurance, but term rates rise as you grow older. Term plans may be "convertible" to a permanent plan of insurance. The coverage can be "level" providing the same benefit until the policy expires or you can have "decreasing" coverage during the term period with the premiums remaining the same. If you do not pay the premium for your term insurance policy, it will generally lapse without cash value, as compared to a permanent type of policy that has a cash value component. Currently term insurance rates are very competitive and among the lowest historically experienced.

It should be noted that it is a widely held belief that term insurance is the least expensive pure life insurance coverage available. One needs to review the policy terms carefully to decide which term life options are suitable to meet your particular circumstances.

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Whether you've just passed your driver's test, moved into your own apartment, left home to attend college, bought a house, started a family, launched your own business from home, or made plans to travel, you need insurance.  Insurance protects you and your family, as well as your home and belongings. Without insurance, the economy would practically come to a standstill, because starting and operating any kind of business would be too risky--one fire and your livelihood would go up in smoke. In fact, you couldn't even drive a car, because a serious accident would wipe out all your savings. Nor could you borrow money to buy a house, as no lending institution would allow you to mortgage a property that wasn't insured.

Many of us fork out thousands of dollars each year on insurance--it's the fifth-largest expenditure a family makes, according to Statistics --but the strange thing is, few of us know what we've bought until we need it. Then we sometimes get a nasty surprise when we find out our auto insurance or home insurance doesn't cover a particular loss. Perhaps our agent or broker didn't explain what our policy did and didn't cover when we bought it; likely we didn't read the policy ourselves--who does? But now it's too late--i--and you simply have to grit your teeth and foot the repair bill.

Imagine spending the same amount on a new high-tech sound system as you do on insurance. You'd certainly want to make sure you were getting good value for your hard-earned cash, and you'd probably spend a lot more time shopping around for the sound equipment than for your insurance. Let's face it--it's pretty hard to get excited about buying a new insurance policy!

You'd also want to replace your sound system when it became old or outdated (which doesn't take long these days). Similarly, your health insurance coverage and your  life insurance policy needs will change through various stages of life, as well as with changes in job status. For example, a single person starting a career probably will not need life insurance just yet, since he or she doesn't have a family to protect; empty nesters moving into a condominium will need different insurance than a homeowner; self-employed people may need health coverage that others usually get through their workplace, and so on.

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Your Rights as a Health Insurance Consumer

Governor Pataki has signed landmark managed care reform laws to protect consumers in New York State. As a consumer, you have the tools you need to make informed decisions about your health care and you have the power to challenge decisions made by New York HMOs and health insurers. The Insurance Department’s new health complaint ranking shows that consumers are winning their appeals more than half the time.

As a consumer in New York State, you have the right to obtain basic information about your plan, to receive quality care and appeal denials of service and claims, and to have your claims paid in a timely manner.

Obtaining Information

You have the right to obtain a comprehensive description of the health services covered by your HMO or insurer.

You have the right to know whether or not you need prior authorization for medical treatment. For example, you have the right to know if prior approval is needed for the following: hospital admissions, surgery, mental health and substance abuse treatment, diagnostic tests, chiropractic services and physical therapy.

You have the right to know exactly what you need to do in order to get a referral to a specialist. Do you need to contact your primary care physician in advance or do you just need to call a 1-800 number?

You have the right to know how much you are required to pay when you visit a participating provider and a non-participating provider. For example, your contract may require you to pay a $10 co-payment every time you see an in-network doctor, and a higher amount if you go outside your network.

You have the right to know your HMO’s or insurer’s procedures for protecting the confidentiality of your medical records and other sensitive information.

You have the right to know what you need to do in order to file complaints with your HMO or health insurer.

You have the right to know how your plan makes decisions about experimental drugs and treatments.

You have the right to know about any compensation arrangements your plan has with its health care providers. For instance, you have the right to know whether or not providers are paid per visit or per patient.

You have the right to know the names of the chief officers, board members, and HMO owners. Salary information is filed annually with the State Insurance Department.

Get Health Insurance without the hassle.

Getting health insurance coverage is a lot easier than you think, with a choice of plans, affordable premiums and two simple tools to do the deciphering for you. The Plan Type Evaluator uses your personal preferences to recommend which type of plan may be best for you. Then, the Customized quote feature lets you sort through the available plans and see only those that meet the criteria you select-such as only those plans in which your personal physician participates.

Receiving Prompt Quality Care

You have the right to access emergency services 24 hours a day. By law, a situation is considered to be an "emergency" if a prudent layperson believes that failing to act immediately would put your health or the health of others in danger.

You have the right to an adequate network of primary doctors and medical specialists as part of the services provided by your HMO.

If you have a chronic or disabling condition, you have the right to receive a standing referral for a specialist so that you don’t have to get prior approval from the primary care physician each time you need to see the specialist.

If you are in the second trimester of your pregnancy or have a life threatening, degenerative, or disabling condition or disease and have just enrolled in a new plan, you have the right to continue seeing your current provider for 60 days. You also have the right to continue seeing your current provider for the duration of post-partum care related to your delivery. In these cases, your non-participating provider must agree to the terms of your plan.

You have the right to be paid within 45 days of your health insurer's or HMO's receipt of the claim unless additional information on the claim is needed.

To help you contact health plans, the Insurance Department has a directory on the website. Click here for our Directory of Health Insurance Companies.

Appealing Decisions by HMOs and Insurers

HMOs and insurers with a managed care contract are required to have a grievance procedure. A grievance can be filed for any determination other than one concerning medical necessity.

You have the right to file a grievance if you are denied a referral, you are denied coverage because a benefit is determined not to be covered under your subscriber contract, or if you have a complaint concerning any plan determination other than one involving medical necessity.

Examples of complaints concerning covered benefit determinations and access to referrals that could be challenged through the grievance procedure include but are not limited to the following:

• You are denied a referral to a specialist or other provider
• Your hospital stay is curtailed
• You are denied coverage or receive only partial coverage for a prescription drug
• You are required to pay a specialist fee beyond the standard co-pay
• You are denied a referral outside the HMO’s network of physicians
• You are not reimbursed for emergency room care
• You are not reimbursed for treatments rendered when you are out of New York State
• You are denied coverage or coverage is limited for services covered under your subscriber contract which could include mental health, substance abuse or physical therapy treatment

You have the right to file grievances by phone concerning benefit determinations or referrals and plans are required to have a toll free hotline for grievance calls.

You have the right to have any grievance where a delay would increase the risk to your health, such as coverage for surgery, decided within 48 hours to ensure that your health is not jeopardized.

You have the right to have other grievances decided within 30 or 45 days depending on the type of grievance.

You can also appeal any denials of care that your HMO or insurer has decided is not medically necessary.

You have the right to have your denials of care about whether or not a procedure is medically necessary made by clinical reviewers, not financial reviewers to ensure that these decisions are made in the best interest of your health.

You have the right to appeal a utilization review determination on an expedited basis if you are undergoing a course of treatment or your health care provider believes an immediate appeal is warranted. Expedited appeals must be decided within two business days.

Examples of procedures and services that could be challenged for reasons relating to medical necessity include but are not limited to:

• Cataract removal
• Bone marrow transplant
• Magnetic Resonance Imaging (MRI) examination
• Breast reconstructive surgery following mastectomy
• Rotator cuff surgery
• Mammography
• Deviated septum repair
• Knee replacement surgery
• Kidney/heart/liver transplant
• Artificial limbv and other prosthetic devices
• Biopsy

Buying Auto Insurance on the Internet

Although the Internet currently accounts for a relatively small percentage of total insurance sales, its influence in the marketplace is growing rapidly. Quoting agents—such as Insweb—are actively marketing their services to consumers. Quoting agents provide sample automobile insurance rates to Internet users who respond to various online questions. In addition, many insurance companies and traditional agents and brokers have their own Web sites providing pricing, service information and, sometimes, the means to complete an auto insurance purchase.

The World Wide Web provides a constantly changing and expanding marketplace. However, it’s a marketplace where standard rules still apply. If you are shopping online for automobile insurance, you should consider the following:

• Automobile insurance is a fairly sophisticated product. Before making purchases online, you should be aware of the types of products and coverages available in New York State. New York’s annual Consumer Guide to Automobile Insurance and other such publications can help enhance your understanding of the market.
• You also need to know the types and limits of coverage you want to purchase. Do you want collision? comprehensive? Do you want the minimum liability limits required by law or higher limits to protect your assets in the event others are injured as a result of your negligence? Do you want or need any additional coverages? Again, New York’s Consumer Guide to Automobile Insurance can help. The Guide is available in both hard-copy versions and on our Web site.
• If you intend to purchase auto insurance on the Web, make sure the insurer you are dealing with is licensed to sell insurance in New York State. Just because an insurer has a Web site doesn’t make it a licensed insurer. If you are unsure of the licensing status of an insurer on the Web, check the Directory of Regulated Companies on the Insurance Department’s Web site.  In addition, you should only be dealing with licensed agents and brokers on the Web. If you are unsure whether an agent is licensed in New York, call or e-mail the agent and request his or her New York license number.
• In seeking your rate quote, you will be presented with a series of questions regarding your driving history, your vehicles, and other relevant characteristics. Make sure you answer these questions fully and accurately. For example, if you’re unsure whether you had an accident or violation within the past three years, take the time to check.
• Have the declarations page of your current policy by your side as you respond and know the make, model, year and vehicle identification number (VIN) for each of your vehicles.
• Be aware that a price quote from an insurer on the Internet should be the same as one received by mail, fax, or phone. (Note: In some states, insurers are beginning to offer discounts for business transacted over the Internet.)
• Shop service as well as price. Savvy insurance consumers know that sometimes the lowest price insurer isn’t the best buy if an insurer is not responsive once claims arise. The Department’s Automobile Insurance Complaint Ranking, also available on this Web site, is one source to help you assess an insurer’s claims-handling practices.
• Remember, when you are applying for or purchasing insurance you are transmitting key financial and personal data to an insurer or agent. Make sure the Web site you are using is secure. Many Web sites will include their privacy and security policy on the site itself. For example, a Web site may be encrypting (coding) your private information to make it unreadable to third parties. The Web site will describe that process. In addition, you can activate your Web browser to notify you when you are entering or leaving a secure mode. (e.g., In Microsoft Explorer, select View/Internet Options/Advanced/Security, then select "Warn if changing between secure and not secure mode." Once selected, a notice will be displayed on your screen each time you enter or leave a secure mode.)

Once you have followed the above guidelines and obtained your quotes, you should be ready to make meaningful comparisons among insurers.

Over the next few years, Internet sales are expected to grow as competition intensifies in the electronic marketplace. New York State consumers should be aware that the Web can be a convenient means of comparing prices and/or purchasing automobile insurance, but that it is not necessarily the best means for every consumer. Whether you use the Web or not, it pays to shop for auto insurance.

The purchase of life insurance is an important decision for both you and your family. There are many reasons why life insurance is purchased, but these reasons should be based upon your needs or wants. Your marital status, number of dependents, family size, income, and wealth all play a role in determining the amount of life insurance that is right for you. The first step is to determine your current need for life insurance and how much you can afford to spend. It is a good idea to consider future needs too, because unlike most purchases, you can’t always buy life insurance when you need it; you have to be in reasonably good health to purchase most types of life insurance products.

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