Boat insurance is necessary for all boat owners who live on or really value their boats. If it is something that you feel you must replace then you need to insure it. If you live on your boat it is absolutely necessary that it be insured. Who would want to lose their home?

Also most boats are financed in the beginning. The lending company will insist on insurance in those cases just as they would with a house or a car. This is not unreasonable; they have as much to lose in the financial sense as you do if anything happens to the boat.

Some areas are more dangerous than others for boaters. While some of those areas are famous or infamous 'the Bermuda Triangle' and the Dardanelles others are less well known but can be just as dangerous.

Cape Disappointment in Washington State is one of the most dangerous areas on the seas when the conditions are right (or wrong). You need to be just as prepared when you off the Pacific coast of Washington and have your boat insurance in order as you do when you are sailing from Bermuda to Florida.

While I contemplate the last half of my life; (I am getting close to that turning point) I must make some decisions as to what I want to do with my leisure years. I have many thoughts in mind but one of those options that keep coming to mind is sailing the world.

All of us need to plan for what we want. If I choose to go sailing I will need several things of those things that I will need if I do choose a boat insurance is the top of that list. I might wind up in a cabin by the woods or on a beach in the South Pacific, I am by nature a solitary person.

If that is the case I will happily spend my time sipping iced tea and spoiling my grandchildren. If I am on a boat I think I will see the Sargasso Sea and sail around the world and across the equator.

Discover important advice and information about boat insurance. What deals should you look for? And what should you avoid. Click http://www.boat-insurance-comprehensive.com/boat-insurance-quote.html

• Spending Rise for Health Care and Prescription Drugs Slows
National health spending grew in 2007 at the lowest rate in nine years, mainly because prescription drug spending increased at the slowest pace since 1963.

• Stuck in Paradise, Needing Medical Help
Before embarking on an overseas vacation, travelers should check their medical policy to see what is covered or get special travel insurance.

• Obama Considers Major Expansion in Aid to Jobless
The Democratic economic package may include much more government-assisted health insurance and unemployment help.

• Mr. Bush’s Health Care Legacy
President Bush can lay claim to some signal achievements in health care ones that we urge Barack Obama to continue and develop further.

• Jobless Claims Fall; Holiday Cited
The number of newly laid off workers signing up for unemployment benefits fell sharply, the government said, but those continuing to draw aid climbed.


Life Insurance News



• Bill Swartz Named National Sales Manager for John Hancock Fixed Annuities (PR Newswire)
Experienced Hancock Veteran To Lead Team of 10 Wholesalers

• Prudential PLC - Corporate Reporting Calendar 2009 (Marketwire)


• Debt trouble at Lee triggers auditor's warning (AP)
Lee Enterprises Inc., publisher of the St. Louis Post-Dispatch and other newspapers, said in a regulatory filing that it will have trouble paying its debt over the next two years because of severe reductions in revenue.

• Dividend Declaration: Delaware Investments(R) Dividend and Income Fund, Inc. Announces Dividends (PR Newswire)
Today, Delaware Investments Dividend and Income Fund, Inc. , a New York Stock Exchange-listed closed-end fund trading under the symbol "DDF," declares a monthly dividend of $0.0575 per share.

• Dividend Declaration: Delaware Investments(R) Global Dividend and Income Fund, Inc. Announces Dividends (PR Newswire)
Today, Delaware Investments Global Dividend and Income Fund, Inc. , a New York Stock Exchange-listed closed-end fund trading under the symbol "DGF," declares a monthly dividend of $0.0575 per share.


Property & Casualty Insurance News



• Why Dilbert's Creator Doesn't Trust Warren Buffett (at CNBC)


• Final Glance: Insurers companies (AP)


• OneBeacon Schedules Fourth Quarter and Full-Year 2008 Earnings Release and Webcast (PR Newswire)
OneBeacon Insurance Group, Ltd. will review its fourth quarter and full-year 2008 results via live Webcast at 10:00 a.m. ET on Friday February 6, 2009, following its earnings release earlier that morning.

• RLI 4th Quarter Earnings Release Teleconference (Business Wire)
PEORIA, Ill.----RLI Corp. , a specialty property & casualty company, will hold its quarterly conference call to discuss fourth quarter results on Tuesday, January 27, 2009, at 11:00 am Eastern Time.

• PartnerRe Announces Executive Management Changes in its U.S. Operations (Business Wire)
PEMBROKE, Bermuda----PartnerRe Ltd. today announced executive changes in its U.S. operations.

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