For additional premiums most policies will include riders-provisions attached to the basic contract which give the policyholder extra benefits or options. Some of these are so common that they are automatically inserted in the policy, and the premium is quoted as part of the whole policy.

Double Indemnity

A famous novel and movie turned this rider into a household word. If you have a double indemnity rider your beneficiaries will get double the face value of the policy should you die in an accident. Some policies triple the amount if the accident occurs while you are traveling in a common carrier.

Is it worth buying? We’d say it’s a matter of personal choice. The

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College Humor recently posted a funny screen shot of the Aflac Duck popping up in an advertisement on a page for anatidaephobia, or fear of ducks.

[source: College Humor]

I’m sure people who are truly afraid of the animals had no trouble sleeping after that one.

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Travel insurance plans protect the traveler’s pre-paid and non-refundable trip costs in the event of trip cancellation or trip interruption.  However, frequent flyer miles and reward points are somewhat different.  Normally, airlines and reward programs charge a fee to re-deposit the miles or change the dates of travel.  Therefore, when calculating the trip cost, do not include the cash value of a frequent flyer ticket, rather, include the amount of fees that would be incurred if the trip were canceled.  Always refer to the certificate of insurance for details.

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I would prefer to buy car insurance after the fact only, since it’s no fun paying premiums only to never have an accident. What I would like is Comrade Obama to mandate that evil, for profit car insurance companies take on my risk of accident for zero premium in return. Then, when I do have an accident, I can buy the policy and get the damage taken care of. Isn’t that only fair? After all, profits are evil right?

• Syllogistic Libertarian 11:02 am on December 30, 2009 Permalink
  

  I went to get car insurance and was turned down simply because I’m totally blind! Can you believe that? It’s a

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Hybrid cars (also known as Hybrid-Electric Vehicles or HEVs) have been advertised as the environmentally-friendly cars of the future for some time now. Many environmentalists have promoted the car as a way to cut down on emissions, as well as gas.

But while they are heavily promoted as cars you should purchase – and even offer tax credits to help you do so – you have to wonder if making such a major purchase is actually worth it. So before heading out to get yours, let’s conduct a quick hybrid review to see whether it is actually worth the money.

What is a Hybrid Car and What Does it Offer?

Hybrid vehicles are vehicles that use two or more distinct power sources to move them.

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