Hiscox 2013 Small Business Stars

2013-Hiscox-Small-Business-Stars1I was named one of the 2013 Small Business Stars!

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Do You Need Insurance For Your iPhone 5s?

iPhone 5S

iPhone 5S (Photo credit: Moridin_)

Do You Need Insurance For Your iPhone 5s?

The Apple iPhone 5s is a fine piece of engineering genius, and definitely merits the AppleCare+ an extended iPhone 5s warranty if you can afford it. Your carrier will also try and convince you to buy insurance at the same time. The question is, will the warranty do or do you need the insurance as well?

So, Why Take Insurance At All?

Of course, you might argue that you don’t need to take out iPhone 5S insurance at all. After all, doesn’t Apple offer an out-of-warranty iPhone 5S replacement at $229 to replace damaged or broken phones? Yes, of course they do. That doesn’t really solve your problem, does it? You’ll still be shelling out money from your pocket. Plus, Apple won’t retain the same good old rate for ever. So don’t depend on the out-of-warranty replacement device. Think in terms of protecting your device long-term and getting full value for the money you’re investing.

Ok So Why Not Just Take Up The Extended Warranty?

Here’s what you need to understand. True, Apple offers a one year warranty that covers major defects – bad battery life, for example, or the touchscreen going crazy. What do you do if your iPhone 5S gets lost, stolen, or your little rugrat drops it into the loo? You will have to look into a warranty that covers accidental damage. But warranty does not cover accidental damage, only insurance does.

Ok, Yes, I See Why I Need Insurance

Now that you’re coming around, we suggest that you read through the fine print and compare features, benefits and prices before buying iPhone 5S insurance. True, iPhone 5s insurance does cost more than Apple’s iPhone 5s warranty. That’s because it offers greater coverage. There’s an upfront fee, a monthly premium and a pre-determined deductible that you pay while making a claim. However, take a look at these facts:

  • It costs less than $200 for an iPhone 5s from your carrier.
  • If your phone is lost or stolen and you’re without insurance, you’ll be shelling out no less than $649 for a new iPhone 5S.
  • If you bought a higher capacity model, you’ll be shelling out more to purchase another one off contract – $849 and more.
  • Without the carrier subsidy, the iPhone 5S is an expensive phone to own, and even more expensive to lose or damage.

Want More Reasons For Insuring Your iPhone 5S?

Water damage is an ever-present danger. A coffee spill is something that happens at least once a week in most people’s lives. You don’t want your iPhone 5S to become wet, do you? How do you predict that your brand new iPhone 5s, one that’s been dearly bought with hard-earned money, won’t suffer water damage? Water damage is the most frequent kind of damage reported by smartphone users; if you own an iPhone 5S, consider buying insurance that provides coverage for water damage.Why do you think so many iPhone 5 owners buy insurance? There’s no pred

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Cost of Super visa health insurance

August 19, 2013 by  
Filed under Front Page, Wright Ideas

Medical Drugs for Pharmacy Health Shop of Medicine

(Photo credit: epSos.de)

By Apexcanada

Festivals are round the corner at this time of the year. Raksha Bandhan, Dussehra, Diwali, Halloween, Thanks giving and Christmas etc.  Festivals represent cultural background of people, celebrating them. Though festivals enable people to celebrate their happiness, joy fullness, worship of Gods, nature, etc., among families, friends, relatives, religious group etc., they are symbol of cultural heritage and unity among the people of different castes, creed, religion etc. The celebration of festivals by people helps to promote and stimulate unity, co-operation and preservation of an old traditions, culture, etc. They are indeed very much helpful for strengthening relations among mankind. These promote close relationship and Harmony among people. Otherwise people will forget meeting their friends and relatives frequently and help to remember our culture, because of their pre-occupation and mechanical way of life.

Majority of Canadians are immigrants who have settled in Canada for a better life and bright future. Many of us have acquired Canadian citizenship and permanent residents are on the track and will soon be Canadian Citizens. We might be excelling in our Career and be successful in our jobs, businesses etc. Those individuals who have left their Parents and Grandparents in their home Country remain connected through internet and with apps such as what’s App and Skype. But there is an empty nest in their lives, after we children with our families settle abroad. Why shouldn’t we lead a guilt-free life by inviting our Parents and Grandparents to Canada under the special category of Super Visa.

Super Visa has helped many families reunite with their elders in a short time frame. The multiple entry visa has a mandatory requirement of health insurance by a Canadian Company. It not only covers the cost of health expenses in case of some eventuality but also safeguards the person who sponsors from any financial burden.

Punjab Insurance is committed to provide you lowest possible super visa insurance cost with best protection to your parents and grandparents. Our dedication to superior client service has brought us to the Internet as we endeavor to continue to provide the highest quality professional service and guidance. We have been providing Super Visa Insurance quotes right from the effective date 1st December 2011; super visa program was launched by Citizenship and Immigration Canada (CIC). We provide free consultation to provide plans as per a client’s need. In order to provide you with the lowest possible super visa insurance rates we need to ask the client a few specific health related questions and to help you find the most suitable super visa insurance plan.

To avail lowest supervise insurance quotes online visit our website @ www.PunjabInsurance.ca,  just fill the form and we promise to get back to you in 24 hrs. Or to speak with our expert financial advisor call us now for a free consultation at 1-888-978-6522. We research the lowest prices in the market and provide you excellent service and affordable rates. We guarantee you to offer the plans conferring to your health needs and your affordability. Give us a chance to serve you and any experienced insurance advisor from our team will deliver you the right product along with quality services to satisfy your unique insurance requirements. Punjab Insurance Inc. Is proud to represent all major Canadian Insurance companies and can be your trusted financial advisor with more than 13 years of experience in the insurance field.

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