6 Holiday Headaches You Can Control with Home Warranty

The holidays can be both joyous and stressful. With a home warranty, unexpected repairs can be fixed by reliable technicians. Save yourself a headache!

While many of us look forward to the holiday season all year, it can also be a time of great stress. In between all that cookie-baking and gift-buying, it can be challenging to get someone to fix your broken dishwasher or HVAC system. Fortunately, there’s a solution for any unexpected breakdowns that might put a damper on your holiday spirit: a home warranty plan.

home warranty is an excellent way to protect your home from unforeseen and unexpected expenses. The Home Warranty Plan is a one-year service contract for the repair or replacement of covered home system components and appliances that typically break down over time.

Take a look at these five common holiday season headaches that can be easily managed with an Home Warranty Plan.

1. Finding reliable help around the holidays

It can be just as challenging to find reliable home-repair help during the busy holiday season as it is to get that Thanksgiving turkey just right. With a home warranty plan, you’ll have access to industry-leading expertise 24 hours a day, 7 days a week, 365 days a year. BestWayInsurance will find the right licensed personnel and eliminate the need for you to locate qualified help during the busy days leading up to and during the holidays.

2.Unforeseen expenses 

Repairing something as major as your home heating system could cost you thousands of dollars. Such a huge expense can be stressful at a time when you’re already spending money on gifts, food, decorations and other miscellaneous holiday expenses. But with a home warranty, you’ll only need to pay the monthly fee along with a trade service call fee, which is a fixed amount that's easy to plan for.

3. Dealing with insurance companies

With a warranty plan, you can skip the whole process of filing claims and deal with insurance, and spend that precious time shopping, wrapping gifts, cooking delicious meals, or decorating your home with family and friends.

4. Playing host with a broken appliance

A broken dishwasher or refrigerator can really put a damper on your holiday festivities. A home warranty plan offers an expedited repair process on covered items. You no longer have to worry about a crisis caused by appliance or system breakdowns at a time when your house is swarming with guests.

5. Paying the full cost of repair or replacement

In the event of a breakdown, insurance usually reimburses the value of the item minus depreciation. This means you will not be reimbursed the full amount paid at the time of purchase. With a warranty plan, you won’t have to pay for the actual repair or replacement of covered items, and your contract will cover repair or replacement of covered items regardless of age, make or model.

6. Not enough time to coordinate home repairs

Finding reliable help that suits your budget, following up and replacing parts all involve a considerable time investment. Since the costs associated with repair and replacement are so high, it is not possible to skimp on the research and effort needed to get a satisfactory solution. A warranty plan will save you time when you need it the most this busy holiday season.

Blood Cancers and Buying Life Insurance

 

According to the American Society of Hematology, blood cancers affect the production and function of your blood cells and end up preventing your blood from performing many of its functions, such as fighting off infections or preventing serious bleeding.  Approximately every three minutes, one person in the U.S. is diagnosed with a blood cancer.  September is both Life Insurance Awareness Month and Blood Cancer Awareness Month.  In this post, let’s discuss the different types of blood cancer and how these conditions can affect buying life insurance.

What are the different types of blood cancer?

There are three main types of blood cancer: leukemia, lymphoma, and myeloma.  An estimated 1,290,773 Americans are either living with, or are in remission from, leukemia, lymphoma, or myeloma.

Leukemia – cancer of the body’s blood forming tissues.

  • Mainly affects bone marrow and the lymphatic system
  • Usually, affects white blood cells – the infection fighting cells
  • There are many types of leukemia

Lymphoma – cancer of the lymphatic system.

  • Affects the lymphatic system – the body’s germ-fighting network – which includes the lymph nodes, spleen, thymus gland, and bone marrow
  • There two categories: Hodgkin lymphoma and non-Hodgkin lymphoma

Myeloma – cancer of plasma cells.

  • Plasma cells are white blood cells that produce disease- and infection-fighting antibodies
  • Cancerous plasma cells release too much protein and can cause organ damage
  • Cancerous plasma cells can also crowd the normal cells in your bones and weaken them

How does leukemia affect buying life insurance?

Leukemia can be either acute or chronic.  Chronic leukemia progresses more slowly than acute leukemia, which requires immediate treatment.  There are five types of leukemia: acute lymphoid leukemia (ALL), acute myeloid leukemia (AML), chronic lymphoid leukemia (CLL), hairy cell leukemia, and chronic myeloid leukemia (CML).  ALL is the most common form of childhood leukemia and AML and CLL are most common in adults.

Although individuals who have been diagnosed with leukemia generally cannot get preferred life insurance risk classes, that is Preferred Plus or Preferred, once treated with no recurrence, individuals can be considered for Standard life insurance rates.  Risk classes are dependent on the type of leukemia, your age at diagnosis, and how long it has been since completion of treatment.  The more years that have passed since treatment, the better your chances are for qualifying for Standard or Standard Plus.

Risk Classes
Preferred Plus
Preferred
Standard Plus
Standard

If you do not qualify for standard risk classes, you may be table rated and/or be required to pay a flat extra.  A table rating typically means you will pay the standard prices plus a certain percentage.  A flat extra is an additional fee that cushions the risk for the insurance carrier.  A flat extra can last the entire life of a policy or just a few years.

Table Rating
(alphabetical)
Table Rating
(numerical)
Pricing
A 1 Standard + 25%
B 2 Standard + 50%
C 3 Standard + 75%
D 4 Standard + 100%
E 5 Standard + 125%
F 6 Standard + 150%
G 7 Standard + 175%
H 8 Standard + 200%
I 9 Standard + 225%
J 10 Standard + 250%

Let’s take a look at a few examples.

Example 1

 

Jane Doe was diagnosed with acute lymphoblastic leukemia (ALL) when she was 8 years old.  She is now 30 years old and it has been over 20 years since treatment was completed.  Jane is a non-smoker and aside from her history of childhood cancer, she has a clean bill of health.

She applies for a 30-year $500,000 life insurance policy and is approved at Standard Plus.  Her monthly premium payments will be $50.

Example 2

 

John Smith was diagnosed with acute myeloid leukemia (AML) when he was 18 years old.  Part of his treatment was a bone marrow transplant.  He is now 32 years old, does not smoke, and it has been 13 years since treatment was completed.

He applies for a 20-year $500,000 life insurance policy and is approved at Table B.  His monthly premium payments will be $60.

Keep in mind that no life insurance company underwrites the exact same way.  (Underwriting is the process of evaluating an application and determining a risk class.)  Some will be stricter with leukemia than others.

How does lymphoma affect buying life insurance?

There are two categories of lymphoma: Hodgkin and non-Hodgkin.  The difference between the two is based on the type of cancer cells present.  According to Cancer Treatment Centers of America, Hodgkin lymphoma is rare, accounting for about .5 percent of all new cancers diagnosed.  Non-Hodgkin lymphoma is more common being the seventh most diagnosed cancer.

In the majority of cases, applicants with a history of lymphoma will be assigned a flat extra for the first few years, unless a good number of years (like ten) have passed since treatment.

Let’s take a look at an example.

Example

 

John Doe is a 54-year-old male, non-smoker, applying for a 20-year $250,000 term policy.  He was diagnosed with stage 3 non-Hodgkin lymphoma five years ago.  He went through chemotherapy that same year and continued preventative treatment for two years following.  There has been no sign of recurrence.  He gets check-ups once per year.

John is approved at Table B with a flat extra of $15 per thousand for five years.  Here’s what all that means.  John is getting $250,000 in coverage, so to calculate the flat extra you multiply 15 by 250.  John will have to pay an extra $3750 per year on top of his normal premiums for five years.  Once year five is over, his premiums will drop to the regular Table B premium which will be $140 per month.

Again, no life insurance company underwrites the same way.  There are insurance carriers that would decline John outright.  This is why working with an independent agency like Quotacy is beneficial.  We have contracts with multiple A-rated carriers, so your chances of being approved are better.

How does myeloma affect buying life insurance?

Myeloma has different forms, but 90 percent of people who have been diagnosed with myeloma have multiple myeloma.  It’s called such because it affects several areas of the body versus just one site.  There is currently no cure for multiple myeloma, so life insurance approval may prove difficult.  Unless you have had a bone marrow transplant, an applicant diagnosed with multiple myeloma will typically be declined for life insurance.  Myeloma is, however, the least commonly diagnosed type of blood cancer.

Plasmacytoma and localized myeloma diagnoses, these are forms of myeloma in which cancer cells are found in only one site, have higher chances of life insurance approval.  Standard rates are even possible if enough years have passed since treatment.

If you have a history of blood cancer, don’t hesitate to apply for life insurance.  Applying for life insurance is free and there is no commitment to buy.  Here at Quotacy we have access to many life insurance carriers and will help to get you approved for coverage.  Start out by using our term quoting tool to run as many quotes as you would like – no contact information required.  We look forward to helping you get life insurance.

10 ways to save money around the house



Have you ever considered how many ways you can save money around the house? Here are 10 of them:

1. Unplug your electronics at night
According to the U.S. Department of Energy, the average U.S. household spends about $100 per year to fuel appliances left on standby mode. Save some money by plugging your devices into power strips and switching them off before bed.

2. Collect spare change
That loose change you find around the house can really add up. Start collecting coins, and then take them to the grocery store to exchange for dollars at the end of every month.

3. Use what you already have
Instead of going on a shopping spree every time the refrigerator seems bare, browse through the pantry and eat the items you already have.

Browse your pantry before making that emergency trip to the grocery store.

4. Start clipping coupons
If you collect the newspaper and have time to set aside on a Sunday morning, start clipping coupons. But don’t just use them to buy something because it’s on sale and seems like a great deal – only make the purchase if it’s an item that won’t go to waste.

5. Grow your own herbs and vegetables
Why buy herbs and vegetables when you can grow your own? Even if you don’t have room for a full garden of veggies, U.S. News & World Report said you can likely find enough space inside or outside to plant herbs. Try growing your own dill, basil and mint to save money and spruce up your dishes.

“Baking soda and vinegar can sanitize most of your appliances.”

6. Clean with baking soda
Who needs expensive cleaners when you have baking soda? You can replace most chemicals when you mix a natural solution of baking soda and vinegar. The combination can clear out a clogged drain, remove dirt and grime from your kitchen sink and sanitize most of your other home appliances.

7. Use a programmable thermostat
By using a programmable thermostat, you can set your heating and cooling systems to turn down when you’re gone for the day. The Environmental Protection Agency said this update can save you up to $180 every year in energy costs.

8. Consider streaming
With all of the options you have for online streaming nowadays, you might want to give it a try. Consider lowering costs by joining , two options that you can access on your laptop or other connected devices.

9.  Seal your windows and doorways
By sealing your windows and doors, the EPA estimated that you can save about 15 percent on heating and cooling costs every year. Consider adding insulation in the attics and crawl spaces, and use caulking to seal any cracks in your window and door frames.

10. Invest in a E-Exchanger Home Warranty
What happens when one of your heavily used appliances breaks down? You can’t just avoid getting it repaired or replaced. But that doesn’t mean you’ll have to put down an entire paycheck to get it up and running again. When you invest in a E-Exchanger Home Warranty, you’ll receive a plan that helps cover the cost of repairs or replacements in your major appliances and systems. With a home warranty, you can rest assured knowing you won’t have to hand over an arm and a leg when an issue occurs.

Used Car Warranties & Pre-Existing Conditions

When purchasing a used vehicle is important to be sure that the vehicle is in excellent working order before finalizing a deal or taking delivery. It is obvious that purchasing an auto warranty when you have a vehicle it is no longer covered by the manufacturer is an excellent idea to protect you against any unforeseen repair expenses that might arise. It is not uncommon to have repairs pop up you were not expecting that can cost $500, $1,500, or even $3,000 or more.

However, many consumers are not aware that unlike medical insurance, automobile warranty companies are not obligated to cover a vehicle’s pre-existing conditions. To prevent getting caught off guard with a pre-existing issue with a vehicle is strongly recommended that you have the vehicle inspected by a qualified used vehicle inspection service or dealership prior to finalizing a purchase. If you are purchasing the vehicle from a dealership do not automatically assume that they have fully inspected it themselves even though they might have. It is worthwhile to have a second opinion by hiring an independent inspector to check the vehicle out. If you are purchasing a vehicle privately it is even more important to have the vehicle checked out by a qualified mechanic or inspection service. This will help you avoid getting caught off guard with a repair that may not be covered by your auto warranty.

Auto Advantage not only provides the highest quality car warranties in the industry, but also has a full independent inspection service that can check out your vehicle prior to the vehicle’s purchase or warranty activation. Visit our Auto Advantage’s website to get a quote for the best coverage available for your vehicle. To get information about having your vehicle inspected call 800-419-3499.

 

Shopping For A Used Car? How To Make Sure You Don’t Get Burned…

There are many ways to shop for used car. You can go from dealer to dealer and used car lot to used car lot, you can go on many of the used car sites online, or even an auction site online. Regardless of how you go about finding a vehicle it is important you understand what to look out for to make sure the you are not purchasing somebody else’s discarded problems. Here are some tips that might help you to find a high-quality vehicle that hopefully will serve you for many years to come…

1. Take your time when evaluating a vehicle. Take several walks around the exterior of the vehicle noting any imperfections you may find. Open the doors, trunk, and hood and look for anything that does not look like it was original or just doesn’t look right. Don’t be afraid to ask the seller questions and evaluate the answers you received. Do the same with the interior, take your time and sit in the vehicle and make sure you try all of the equipment and accessories to make sure they are operating properly. Shift the vehicle into drive, neutral, and reverse and make sure it seems to shift quickly and smoothly. If not, expensive repairs may be imminent.

2. Ask for a vehicle history report such as Carfax or AutoCheck. Make sure the vehicle has no major negative events in its history and that there are no odometer discrepancies.

3. Start the engine and open up the hood. Your eyes, ears, and nose are your best friends here. You want to look for any visible oil leaks. You want to listen for any unusual sounds. And you want to make sure that there are no unusual smells, for instance something smelling like it’s burning. Check the transmission fluid by pulling out the dipstick and checking the level and giving it a quick smell. If the vehicle was just started the transmission fluid level should be near the cold marker. You want to make sure it does not smell burnt as this could identify a current or pending problem. When the engine is turned off again pull out the oil dipstick and again, make sure it looks like it is not dirty and does not smell burnt. The color of the oil should be similar to dark amber.

4. Now it’s time for a test drive. Before you start moving check the steering system. Open the windows and turned the steering wheel hard all the way to one side, and then the other. You want to make sure there is no resistance and that there are no loud squealing sounds which could signify a problem with costly parts of the steering system. You will also want to jiggle the wheel back and forth a bit from the center position and make sure that it doesn’t have any play. Going from one side to the other. It should feel firm when turning from one side to the other. Once you are confident the vehicle is safe to drive make sure you drive it with the windows open and closed. Make sure you don’t hear any noises that seem uncommon. If you do find any potential issues and you are not sure what they are make sure to have a qualified mechanic look the car over before you complete the purchase. While driving, make sure to pay attention to the brakes. Do they feel like they are working properly and stopping the car efficiently? If not, they may need to be addressed and that could help you as any other problems found, in negotiating a better purchase price.

5. Last, but certainly not least. Asked to have the vehicle inspected by a mechanic or shop of your choice. If there is any resistance to having the vehicle inspected run, don’t walk away from the vehicle as is a telltale sign there are going to be issues found.

Once you have found the right vehicle and have made a purchase it is a sound financial decision and great idea to purchase a quality used car warranty. An auto warranty can protect you from the inevitable major or minor repairs that you will face down the road. There are few reputable companies that will allow you to purchase coverage directly, excluding the dealer and their profit, at wholesale pricing. A great place to start is Auto Advantage Inc.

 

Exotic Auto Warranty Coverage Is Essential

In general, it pays to have extended warranty coverage on any vehicle you own. When the manufacturer’s warranty expires it leaves you vulnerable to frequent and extremely costly repair expenses. Though not all vehicles will experience a major breakdown, most will and the only way to protect yourself from these unforeseen expenses is to make sure you purchase extended auto warranty coverage for your vehicle. This is especially the case with highline luxury or exotic vehicles such as Maserati, Aston Martin, Ferrari, Lamborghini, Rolls-Royce, Bentley, etc. Though the plans we offer have paid out on quite a few extremely high warranty repair claims, we recently set a new high at the claim that exceeded $53,000. This claim was for a Bentley and involved several powertrain issues. It is not uncommon for us to see claims in the $20,000-$35,000 range but this vehicle’s problems have raised the giant red flag about owning these types of vehicles without some type of exotic auto warranty protection.

Most people understand that a dealership can provide you with warranty coverage to protect you from these financial hardships but what few people understand is that you can also purchase this coverage outside of the dealership environment at a considerable savings. That being said, it is essential to do research on any company purchase warranty coverage from as there are numerous providers that are far less than reputable. Ideally you want to do business with the company that has been offering warranties for more than 10 years, has an actual underwriter, is accredited and highly rated with the Better Business Bureau, and that after a Google search, does not have any negative feedback, fraud, or ripoff report listings.

Auto Advantage Inc. is one of the highest rated providers in the industry and is been offering reliable auto warranty coverage since 1979. They are both accredited and A+ rated with the Better Business Bureau and only work with the highest-rated underwriters in the industry. They are also a warranty wholesaler offering their dealership level programs at 10% over wholesale dealer cost as they are non-commission provider. Visit Auto Advantage Inc. now to check the rates and available coverage for your vehicle.

 

Do You Know What Is Covered By Your Auto Warranty?

 

Often times when people get repairs and maintenance done on their vehicles they are asking the question, “Isn’t that covered by my auto warranty?” Many motorists just assume that an auto warranty covers repairs despite factors such as vehicle mileage, maintenance requirements, and environmental conditions. However, this is not the case.

An auto warranty is an agreement between you and the manufacturer of the vehicle. As the consumer of the warranty, you are held responsible for meeting specific maintenance requirements. The manufacturer is only obligated to repair the vehicle if you perform the required maintenance.

Due to questionable practices that dealers have performed in the past, manufacturers now scrutinize every auto warranty claim. Consumers often see this as an attempt to get out of covering repair costs for their vehicle. However, the reality is that the repair may not be covered by the terms of the auto warranty. This could be a result of factors such as expiration, parts that are not covered under the agreement, and vehicle abuse.

Consumers need to proceed with caution and thoroughly read through their auto warranty. It is important that you fulfill your side of the deal if you want to ensure that the manufacturer will fulfill their side.