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Navigating the world of life insurance can be very frustrating and confusing. If you aren’t sure about your options, it helps to look into speaking with a life insurance consultant. This professional will be able to provide guidance and tips about which life insurance policy offers the most benefits for your situation. In addition, the life insurance consultant can provide tips and advice about how to save on your life insurance premiums every month.

Get personalized help

When you work directly with a life insurance consultant, you will be able to get focused, one on one help to choose a policy. This can prove instrumental in ensuring that you make the best choice based on your individual situation. If you have a large family with young children, your needs would be different than if you were a young single person without kids or a retiree. By working with a life insurance consultant, your plan will be tailored specifically to match your needs.

Assistance choosing the best policy

In addition to getting help that is personalized to your unique situation, a life insurance consultant can also offer assistance with selecting the best policy. This is a wonderful help when you are confused by all of the options you can choose from. The three main categories that they offer options in includes whole life insurance, term life insurance, and universal life insurance policies. The best life insurance consultant is one who can help you to compare your choices in order to select just the right one for your needs.

All of your questions answered

With the help of a professional life insurance consultant, all of your questions will be promptly answered. You can get the experienced help you need without having to navigate the selection process all on your own.

At Insurance Offices Texas, we have been providing comprehensive life insurance solutions since 1966. Find out more when you visit them online at http://www.iotx.com/. You can also connect them on Facebook for more updates.

byAlma Abell

If you’ve been involved in an accident that has left you injured and the responsible parties aren’t keeping up with their obligations as it relates to your fair compensation, you may need the help of a Personal Injury Lawyer in Bremerton. The great thing about a personal injury attorney representing you after an accident is how effective they are at getting you the type of compensation that you need. It won’t simply be about suing someone and getting some sort of punitive damage award but there are other things involved in compensation that you may have need of following an accident.

For example, being represented by a Personal Injury Lawyer in Bremerton means that if you are dealing with a situation where you have incurred an exceptional amount of medical bills related to injuries you sustained in an accident, a personal injury attorney can help you recover those expenses. Insurance companies and at fault individuals or businesses should be liable for those costs and with the help of an attorney, you can receive compensation for your past as well as current medical care involving accident related injuries.

In addition to compensation for medical bills incurred after an injury due to an accident, Damage to your property as well as lost wages can also be a significant issue. Perhaps your car was totalled in the accident and the insurance company that represents the at fault party is dragging their feet. This can cause you a great deal of inconvenience. In addition, if your injuries have made it impossible for you to work, you could be looking at lost wages. These are also situations where an attorney can litigate on your behalf to get you the compensation that you need.

Suing somebody in court and receiving punitive damages awarded by a jury or by a judge is one aspect of what attorneys at the Otto Law Offices can help you do. However, immediate compensation for medical bills, lost wages or a damaged vehicle are other important issues where a personal injury attorney can be of great assistance to you or somebody that you know that is been injured as the result of the negligence of someone else.

Submitted by: Sheila Challiner

New insurance company, Salaam Halal Insurance, is the first to be compliant with Islamic Law as well as provide the usual services that the many conventional insurance companies do today. To be Islamic compliant means that they must not use the revenue to speculate or take any financial gambles with it. It also means that they are restricted as to where they can invest, for example, not with any company with any association with pork, alcohol or gambling.

Known as Takaful, Halal insurance is different from standard British insurance products as the risk is spread over all the policyholders. All the drivers pay into a fund, this is invested in Sharia compliant investments and any profits that are made are paid back into the fund. All claims are paid out from this fund and any superfluous cash is divided up amongst the policyholders as a discount against their next years premium as well as any no-claims bonus that they might be due.

Three independent Muslim scholars monitor the activities of the company and they say that they have a great deal of confidence and can offer premiums that compete well with the bigger rivals in the industry. They are also convinced that they will get repeat business from the 600,000 Muslim car owners in the UK.

Abdul Khalisadar, father-of-two from Leyton, East London, was one of their first customers. He drives a BMW, and is a 35 year old Pharmacist. He says that his conscience swayed him towards Salaam Halal but he admitted that they were also competitive which helped him to decide that they would be the right choice for him.

Its exciting to see a completely new product on the market, and I think there will be many people Muslim and non-Muslim who will want to switch to a company that does not invest in weapons, alcohol or gambling, says Peter Staddon from the British Insurance Brokers Association. His opinion is that the general reaction to the company is extremely positive.

This company, Salaam Halal Insurance, is the latest in the UK to develop a Muslim friendly service there have been others already, notably some bigger Tesco branches have a range of Halal foods, and McDonalds are serving Halal chicken.

So far, the company has only targeted the Muslim community with low-key advertising in Islamic publications and on billboards but they are very hopeful that they will be able to attract many more clients from all the different religious followings.

Salaam Halal Insurance are operating a call centre out of Greater Manchester where potential clients can talk to operators in at least 5 different languages Arabic, Bengali, Gujarati, Urdu or English.

The face of Britain is changing and it is the responsibility of British institutions to cater for such changes and welcome diversity, says Bradley Brandon-Cross, Chief Executive of the shareholder-owned parent company of Salaam Halal Insurance.

Over two million Muslims live in the United Kingdom and many of them may be unsure about the principles of Takaful (which means “guaranteeing each other”). Now with Salaam Halal insurance the UKs Muslim population has the option to buy insurance that is Halal.

Insurance policies are specially designed by insurance experts under the guidance of a Shariah Supervisory Committee. This ensures that Muslims can have all their insurance cover in accordance with the Muslim faith.

With conventional insurance an insurance company takes on all of the risk but for Halal insurance, all of the Participants (the policyholders) agree to guarantee each other and, instead of paying premiums, Participants make contributions (called Tabarua). The pool of contributions then creates the Takaful Fund.

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