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About 'home health care austin tx'|Pilot Intentionally Crashes Plane Into IRS, CIA, And FBI Complex In Austin, TX







About 'home health care austin tx'|Pilot Intentionally Crashes Plane Into IRS, CIA, And FBI Complex In Austin, TX








               A               home               is               likely               to               be               the               largest               investment               most               families               ever               make               so               you               want               to               spend               what               ever               is               necessary               to               protect               your               family's               investment.

Purchase               enough               coverage               to               avoid               a               major               financial               loss               if               you               experience               a               catastrophic               event.

This               means               keeping               realistic               current               value               amounts               of               coverage               on               your               house               and               contents.

Home               owners               insurance               comes               in               many               different               prices               and               configurations;               it               is               important               to               get               the               insurance               that               fits.

Flood               and               earthquake               damages               are               not               covered               under               standard               homeowners               insurance               and               must               be               purchased               separately.

The               hurricane               Katrina               and               Rita               survivors               discovered               that               hurricane               coverage               often               excluded               flood               or               storm               surge               damage               even               though               that               was               caused               by               the               hurricane               winds.

Be               sure               to               understand               the               fine               print               and               if               you               need               to               purchase               a               separate               flood               or               water               damage               policy,               it               may               be               expensive               but               worth               the               cost.

Premiums               will               cost               widely               different               amounts               in               different               areas               of               the               country.

While               you               want               the               best               insurance               possible               you               also               want               to               hold               the               costs               down.

Follow               these               steps               to               get               the               best               deals.
               In               the               aftermath               of               the               hurricane               disaster               on               the               Gulf               Coast               many               home               owners               found               their               insurance               to               be               inadequate.

Sometimes               that               was               due               to               misunderstanding               the               policies               and               sometimes               due               to               insurance               company               chicanery.

These               issues               will               eventually               be               sorted               out               but               in               the               meantime               it               has               set               the               rest               of               us               to               thinking               about               how               well               covered               we               are               in               the               event               of               an               emergency.

Some               estimates               of               the               number               of               underinsured               homes               say               as               many               as               three               out               of               five               are               underinsured               by               around               20%               to               25%.

(Coolidge,               C.,               2006,               A               Good               Policy,               Forbes               2006               Investment               Guide,               Forbes               Magazine,               60               Fifth               Avenue,               New               York,               NY               10011)
               1.

A               lesson               learned               from               the               victims               of               Hurricane               Katrina               is               that               it               may               be               best               to               get               separate               coverage               for               wind,               water,               fire,               or               "environmental"               damage.

Try               to               be               sure               your               policy               includes               incidental               damage               after               a               disaster               such               as               the               mold               caused               by               the               heat               and               moisture               after               hurricanes               on               the               Gulf               Coast.
               2.

Review               your               current               policy               to               make               sure               it               is               sufficient               for               the               present               value               of               your               home.

Home               improvements               (such               as               kitchen               renovations               or               adding               a               deck)               can               add               significant               value               to               your               dwelling               but               if               you               do               not               tell               your               insurance               agent               and               adjust               your               insurance,               it               will               not               be               covered.
               3.

Comparison               shopping               is               the               tool               of               choice               for               finding               bargains               in               any               purchasing               situation.

Like               any               good               thing               this               will               take               a               bit               of               time               and               effort               but               the               savings               could               be               well               worth               it               in               the               end.

The               way               to               go               about               comparison               shopping               for               home               insurance               is               to               start               with               your               state               insurance               department.

States               often               keep               records               of               the               frequency               of               customer               complaints               on               different               insurance               companies               and               may               be               able               to               tell               you               what               typical               rates               to               expect.

Always               check               with               the               Better               Business               Bureau               and               any               other               consumer               information               guides               available               to               you.

Research               the               financial               stability               of               the               insurance               company               on               www.standardandpoors.com               or               at               www.ambest.com               in               addition               to               checking               the               status               of               the               company               at               your               State               Insurance               Commissioner's               office.
               4.

Higher               deductibles               mean               lower               premiums.

Deductibles               are               the               amount               of               money               you               pay               for               any               damages               to               your               home               before               the               insurance               kicks               in.

Deductibles               can               be               negotiated               but               most               insurance               companies               recommend               a               $500               dollar               deductible.

The               higher               amount               you               negotiate               to               pay               for               deductibles               the               lower               the               premiums               you               pay               for               your               insurance               will               be.

If               you               can               afford               to               pay               out               of               pocket               costs               of               $1000               dollars               or               more               you               may               be               able               to               reduce               your               premium               payments               by               as               much               as               25%.

If               you               live               in               an               area               that               repeatedly               sees               certain               types               of               natural               disasters               your               insurance               policy               may               have               different               deductible               amounts               for               damages               caused               by               different               kinds               of               events.
               5.

Get               all               your               insurance               policies               from               the               same               company.

Companies               who               sell               car               insurance               often               sell               home               owners               insurance               as               well.

It               can               save               you               as               much               as               15%               of               your               premium               cost               to               get               your               home               owners               policy               from               the               same               company               that               insures               your               car.

Read               the               policy               carefully               and               make               comparisons               because               this               is               not               always               true.

Look               at               the               total               cost               of               separate               policies               or               separate               insurance               companies.

Then               compare               the               total               separate               costs               with               the               cost               of               a               combined               policy.
               6.

Maintain               your               credit.

Insurance               companies               may               increase               the               cost               of               your               insurance               if               your               credit               rating               is               not               good.

Check               your               credit               ratings               often               to               make               sure               it               has               not               been               compromised               by               identity               theft.

Keep               your               bills               paid               and               your               credit               to               earnings               ratio               low.
               7.

Update               your               policy               limits               on               contents               of               your               home.

You               should               review               this               section               of               the               policy               every               year.

You               want               a               policy               that               pays               full               replacement               costs               not               just               the               depreciated               value               of               appliances,               clothing               and               furniture.

The               difference               between               "actual               cash               value"               and               "replacement               cost"               can               be               enormous.

To               get               full               coverage               for               valuables               you               need               appraisals               on               collectibles,               artwork,               jewelry               and               antiques.

You               need               to               keep               receipts               and               a               full               inventory.

It               helps               to               have               pictures               and/or               a               video               record               of               a               home's               contents.

The               documentation               of               personal               belongings               should               be               kept               in               a               separate               and               safe               location.
               8.

Longevity               counts               with               insurance               companies.

If               you               have               been               with               your               current               insurance               company               for               many               years               it               is               best               to               stay               with               them.

If               another               insurance               company               offers               what               seems               to               be               an               unbeatable               deal               you               can               talk               to               your               current               insurer               to               see               if               they               can               meet               or               beat               the               offer.

Most               insurance               companies               offer               discounts               for               longevity;               as               much               as               10%               if               you               have               been               with               them               continuously               for               more               than               six               years.
               9.

Update               all               the               safety               features               in               your               home               including               the               fire               alarms               and               the               burglar               protection               systems.

Install               deadbolts               and               window               locks               and               consider               alarm               systems               that               alert               the               local               police               and               fire               departments               to               emergencies               at               your               home.

You               can               usually               get               insurance               discounts               for               installing               good               fire               and               burglar               alarm               protection               systems.

Update               plumbing               and               wiring               if               your               home               is               more               than               twenty               years               old.
               10.

Consider               the               area               you               live               in               for               special               disaster               related               insurance.

Flood,               fire               and               earthquake               insurance               all               cost               varying               amounts               depending               on               where               you               live.

If               you               live               in               a               heavily               forested               area               you               can               lower               your               premium               by               establishing               a               fire               protection               zone               around               your               home               and               using               tile               or               metal               roofing.

In               earthquake               prone               areas               your               insurance               will               be               much               less               if               you               have               a               stick               built               house               instead               of               brick.

In               California               earthquake               insurance               information               can               be               obtained               at               (www.earthquakeauthority.com).

In               hurricane               prone               areas               bring               your               home               up               to               current               hurricane               codes               to               lower               risk               and               insurance               costs.

Install               hurricane               shutters               and               reinforce               roofing               to               withstand               hurricane               force               winds.

If               you               live               in               a               flood               prone               area               you               may               want               to               contact               FEMA               for               information               on               flood               insurance.

(www.fema.gov/nfip).
               11.

Keep               the               cost               of               land               separate               from               the               replacement               cost               of               the               house               and               contents.

The               land               is               permanent               and               except               for               those               areas               where               slides               or               erosion               might               drop               you               into               the               nearest               river               or               the               ocean               you               should               not               include               the               cost               of               the               land               itself               in               the               value               estimate               of               your               home.
               A               good               insurance               policy               will               pay               for               replacement               or               repair               costs               as               specified               in               the               policy;               but               to               guard               against               increases               in               construction               costs               due               to               inflation               or               material               shortages               after               a               disaster               you               may               want               to               get               extra               protection               specifically               to               cover               them.

Extra               coverage               will               include               a               surcharge               on               the               premium               of               10%               to               15%               but               if               you               live               in               hurricane               or               earthquake               zones               it               may               be               worth               the               extra               charge.
               Buy               a               policy               from               a               company               with               the               insurance               grade               of               "A"               from               www.ambest.com               .

The               risk               of               getting               a               policy               from               a               company               that               is               not               highly               rated               is               not               worth               the               possible               premium               savings.

Allstate,               MetLife               Auto               and               Home,               State               Farm,               Chubb,               Liberty               Mutual,               Hartford,               USAA               and               Travelers               all               are               rated               "A"               or               better               and               are               the               largest               sellers               of               homeowners               insurance.
               Additional               information               may               be               obtained               from:
               Insurance               Information               Institute               
               110               William               Street               
               New               York,               NY               10038
               (212)               346-5500               
               (www.iii.org)               or               (www.insurance.info)
               State               Insurance               Regulators:
               Alabama               
               201               Monroe               St.,               Suite               1700               
               PO               Box               303351               
               Montgomery,               AL               36104               
               334-269-3550               
               Fax:               334-241-4192               
               E-mail:               insdept@insurance.state.al.us               
               www.aldoi.org
               Alaska               
               Division               of               Insurance               
               Department               of               Commerce,               Community               aand               Economic               Development               
               Robert               B.

Atwood               Building               
               550               W.

7th               Avenue,               Suite               1560               
               Anchorage,               AK               995013567               
               907-269-7900               
               TDD:               907-465-5437               
               Fax:               907-269-7910               
               E-mail:               www.dced.state.ak.us/insurance               
               Division               of               Insurance               
               Department               of               Commerce,               Community               aand               Economic               Development               
               PO               Box               110805               
               Juneau,               AK               99811-0805               
               907-465-2515               
               TDD/TTY:               907-465-5437               
               Fax:               907-465-3422               
               E-mail:               www.commerce.state.ak.us/insurance/
               Arizona               
               Department               of               Insurance               
               2910               North               44th               St.,               Suite               210               
               Phoenix,               AZ               85018-7256               
               602-912-8444               
               Toll               free               in               AZ:               1-800-325-2548               
               Fax:               602-954-7008               (Complaints)               
               E-mail:               consumers@id.state.az.us               
               www.id.state.az.us
               Arkansas               
               Department               of               Insurance               
               1200               West               3rd               St.


               Little               Rock,               AR               72201-1904               
               501-371-2600               
               501-371-2640               (Consumer               Services)               
               Toll               free               in               AR:               1-800-282-9134               
               Toll               free:               1-800-852-5494               
               Fax:               501-371-2618               
               E-mail:               www.arkansas.gov/insurance
               California               
               Department               of               Insurance               
               300               Capitol               Mall,               Suite               1500               
               Sacramento,               CA               95814               
               916-492-3500               
               415-538-4010               (San               Francisco}               
               213-897-8921               (Los               Angeles)               
               Toll               free               in               CA:               1-800-927-4357               
               Fax:               916-445-5280               
               www.insurance.ca.gov               
               Dept.

of               Managed               Health               Care,               California               HMO               Help               Center               
               (We               serve               all               California               Consumers               that               are               enrolled               in               a               California               HMO,               Blue               Cross               of               California               PPO,               and               Blue               Shield               of               California               PPO)               
               980               Ninth               Street,               Suite               500               
               Sacramento,               CA               95814-2738               
               1-888-HMO-2219               (HMO               Health               Center               Consumer               Complaint               Line)               
               1-877-525-1295               (HMO               Help               Center               Provider/Physician               Line)               
               1-877-688-9891               
               Fax:               916-229-0465               (Conplaints)               or               (916)               229-4328               (Independent               Medical               Review)               
               E-mail:               GenInfo@dmhc.ca.gov               
               www.hmohelp.ca.gov
               Colorado               
               Division               of               Insurance               
               1560               Broadway,               Suite               850               
               Denver,               CO               80202               
               303-894-7490               or               7499               
               Toll               free               in               CO:               1-800-930-3745               
               TDD/TTY:               303-894-7880               
               Fax:               303-894-7455               
               www.dora.state.co.us/Insurance
               Connecticut               
               Department               of               Insurance               
               Consumer               Affairs               Dept.


               PO               Box               816               
               Hartford,               CT               06142-0816               
               860-297-3900               
               Toll               free:               1-800-203-3447               
               Fax:               203-297-3872               
               www.state.ct.us/cid
               Delaware               
               Department               of               Insurance               
               841               Silver               Lake               Blvd.


               Dover,               DE               19904               
               302-739-4251               
               Toll               free               in               DE:               1-800-282-8611               
               Fax:               Fax:               302-739-6278               
               E-mail:               consumer@deins.state.de.us               
               www.state.de.us/inscom
               District               of               Columbia               
               Department               of               Insurance,               Securities               and               Banking               
               810               First               St.,               NE,               Suite               701               
               Washington,               DC               20002               
               202-727-8000               
               Fax:               202-535-1196               
               E-mail:               info.disb@dcgov.org               
               disb.dc.gov
               Florida               
               Office               of               Insurance               Regulation               
               Department               of               Financial               Services               
               200               East               Gaines               St.


               Tallahassee,               FL               32399-0300               
               (850)               413-3100               
               Toll               free               in               FL:               1-800-342-2762               
               TDD:               850-410-9700               
               Fax:               850-488-2349               
               www.fldfs.com
               Georgia               
               Insurance               and               Fire               Safety               
               Two               Martin               Luther               King,               Jr.

Dr.


               Atlanta,               GA               30334               
               404-656-2070               
               Toll               free               in               GA:               1-800-656-2298               
               TDD/TTY:               404-656-4031               
               Fax:               404-657-8542               
               www.inscomm.state.ga.us
               Hawaii               
               Insurance               Division               
               Department               of               Commerce               and               Consumer               Affairs               
               P.O.

Box               3614               
               Honolulu,               HI               96811-3614               
               808-586-2790               or               2799               
               Fax:               808-586-2806               
               E-mail:               insurance@dcca.hawaii.gov               
               www.hawaii.gov/dcca/ins
               Idaho               
               Department               of               Insurance               
               700               West               State               St.


               P.O.

Box               83720               
               Boise,               ID               83720-0043               
               208-334-4250               
               Toll               free               in               ID:               1-800-721-3272               
               Fax:               208-334-4398               
               www.doi.state.id.us
               Illinois               
               Division               of               Insurance               
               Department               of               Financial               and               Professional               Regulation               
               100               West               Randolph               St.,               Suite               5-570               
               Chicago,               IL               606013395               
               312-814-2420               
               TDD:               312/814-2603               
               Fax:               Fax:               312-14-5435               
               E-mail:               Director@ins.state.il.us               
               www.state.il.us/ins               
               Division               of               Insurance               
               Department               of               Financial               and               Professional               Regulation               
               320               West               Washington               St.


               Springfield,               IL               62767               
               217-782-4515               
               Toll               free:               1-877-527-9431               (Office               of               Consumer               Health               Insurance)               
               TDD:               217-524-4872               
               Fax:               217-782-5020               
               E-mail:               director@ins.state.il.us               
               www.idfpr.com
               Indiana               
               Department               of               Insurance               
               311               W.

Washington               St.,               Suite               300               
               Indianapolis,               IN               46204-2787               
               317-232-2385               
               Toll               free               in               IN:               1-800-622-4461               
               Toll               free:               1-800-452-4800               (in-state               senior               health               insurance               information)               
               Fax:               317-232-5251               
               www.state.in.us/idoi/
               Iowa               
               Division               of               Insurance               
               330               Maple               St.


               Des               Moines,               IA               50319               
               515-281-5705               
               Fax:               515-281-3059               
               www.iid.state.ia.us
               Kansas               
               Insurance               Division               
               420               SW               9th               St.


               Topeka,               KS               66612-1678               
               785-296-7801               
               Toll               free               in               KS:               1-800-432-2484               
               TDD/TTY               toll               free               1-877-235-3151               
               Fax:               785-296-2283               
               E-mail:               commissione4r@ksinsurance.org               
               www.ksinsurance.org
               Kentucky               
               Office               of               Insurance               
               215               West               Main               St.


               Frankfort,               KY               40601               
               502-564-3630               
               Toll               free:               1-800-595-6053               
               Fax:               502-564-1650               
               doi.ppr.ky.gov
               Louisiana               
               Department               of               Insurance               
               1702               N.

Third               St.


               Baton               Rouge,               LA               70802               
               225-342-0895               
               225-342-5900               
               Toll               free:               1-800-259-5300               
               Toll               free:1-800-259-5301               
               Fax:               254-342-3078               
               www.ldi.state.la.us
               Maine               
               Bureau               of               Insurance               
               34               State               House               Station               
               Augusta,               ME               04333               
               207-624-8475               
               Toll               free               in               ME:               1-800-300-5000               
               TDD:               207-624-8563               
               Fax:               207-624-8599               
               www.maineinsurancereg.org
               Maryland               
               Insurance               Administration               
               525               St.

Paul               Place               
               Baltimore,               MD               212022272               
               410-468-2000               
               Toll               free:               1-800-492-6116               
               TTY               toll               free:               1-800-735-2258               
               Fax:               410-468-2020               
               www.mdinsurance.state.md.us
               Massachusetts               
               Division               of               Insurance               
               Consumer               Service               Section               
               One               South               Station,               5th               Floor               
               Boston,               MA               02110               
               617-521-7777               
               TDD:               617-521-7490               
               Fax:               617-521-7575               
               www.state.ma.us/doi
               Michigan               
               Office               of               Financial               and               Insurance               Services               
               611               West               Ottawa               St.,               3rd               Floor               
               P.O.

Box               30220               
               Lansing,               MI               48933               
               517-373-0220               
               Toll               free:               1-877-999-6442               
               Fax:               517-335-4978               
               www.michigan.gov/ofis
               Minnesota               
               Department               of               Commerce               
               Market               Assurance               Division               
               85               7th               Place               East               
               St.

Paul,               MN               55101               
               651-296-2488               
               Toll               free               in               MN:               1-800-657-3602               
               Fax:               651-296-4328               
               E-mail:               www.commerce.state.mn.us
               Mississippi               
               Department               of               Insurance               
               PO               Box               79               
               Jackson,               MS               39205               
               601-359-3569               
               Toll               free               in               MS:               1-800-562-2957               
               Fax:               601-359-1077               
               E-mail:               consumer@mid.state.ms.us               
               www.doi.state.ms.us
               Missouri               
               Missouri               Department               of               Insurance               
               PO               Box               690               
               301               West               High               St.,               Room               530               
               Jefferson               City,               MO               651020690               
               573-751-4126               
               Toll               free               in               MO:               1-800-726-7390               
               TDD/TTY:               573-526-4536               
               Fax:               573-751-1165               
               www.insurance.state.mo.us
               Montana               
               Department               of               Insurance               
               840               Helena               Ave.


               Helena,               MT               59601               
               406-444-2040               
               Toll               free               in               MT:               1-800-332-6148               
               Fax:               406-444-3497               
               www.state.mt.us/sao
               Nebraska               
               Department               of               Insurance               
               Terminal               Building               
               941               "O"               St.,               Suite               400               
               Lincoln,               NE               685083639               
               402-471-2201               
               Toll               free               in               NE:               1-877-564-7323               
               TDD               toll               free:               1-800-833-7351               
               Fax:               Fax:               402-471-6559               
               www.nol.org/home/NDOI
               Nevada               
               Division               of               Insurance               
               Department               of               Business               &               Industry               
               788               Fairview               Drive,               Suite               300               
               Carson               City,               NV               89701               
               775-687-7650               
               Fax:               Fax:               775-687-3937               
               E-mail:               insinfo@doi.state.nv.us               
               www.doi.state.nv.us/               
               Division               of               Insurance               
               Department               of               Business               &               Industry               
               2501               East               Sahara               Ave,               Suite               302               
               Las               Vegas,               NV               89104               
               (702)               486-4009               
               Fax:               Fax:               702-486-4007               
               www.doi.state.nv.us/
               New               Hampshire               
               Department               of               Insurance               
               21               South               Fruit               St.,               Suite               14               
               Concord,               NH               03301-2430               
               603-271-2261               
               Toll               free               in               NH:               1-800-852-3416               
               TDD/TTY               toll               free               in               NH:               1-800-735-2964               
               Fax:               603-271-0248               
               E-mail:               requests@ins.state.nh.us               
               www.nh.gov/insurance
               New               Jersey               
               Department               of               Banking               and               Insurance               
               20               West               State               St.


               P.O.

Box               325               
               Trenton,               NJ               08625               
               609-633-7667               
               Fax:               609-292-5571               
               www.njdobi.org
               New               Mexico               
               Department               of               Insurance               
               P.O.

Box               1269               
               Santa               Fe,               NM               87504-1269               
               505-827-4601               
               Toll               free               in               NM:               1-800-947-4722               
               Fax:               505-827-4734               
               www.nmprc.state.nm.us
               New               York               
               Consumer               Services               Bureau               
               Insurance               Department               
               One               Commerce               Plaza               
               Albany,               NY               12257               
               518-474-6600               
               Toll               free:               1-800-342-3736               
               Fax:               518-474-6630               
               www.ins.state.ny.us               
               Consumer               Services               Bureau               
               Insurance               Department               
               65               Court               St.

#7               
               Buffalo,               NY               14202               
               716-847-7618               
               Toll               free               in               NY:               1-800-342-3736               
               Fax:               716-847-7925               
               www.ins.state.ny.us
               North               Carolina               
               Department               of               Insurance               
               Dobbs               Bldg.,               430               North               Salisbury               St.


               1201               Mail               Service               Cetner               
               Raleigh,               NC               27699-1201               
               919-733-7349               
               Toll               free:               1-800-546-5664               
               Toll               free:1-800-662-7777               
               Fax:               919-733-0085               
               E-mail:               consumer@ncdoi.net               
               www.ncdoi.com
               North               Dakota               
               Insurance               Department               
               600               East               Boulevard               Ave.


               5th               Floor               
               Bismarck,               ND               58505               
               701-328-2440               
               Toll               free               in               ND:               1-800-247-0560               
               TDD/TTY               toll               free:               1-800-366-6888               
               Fax:               701-328-4880               
               E-mail:               insurance@state.nd.us               
               www.state.nd.us/ndins
               Ohio               
               Office               of               Consumer               Services               
               Department               of               Insurance               
               2100               Stella               Court               
               Columbus,               OH               43215-1067               
               614-644-3378               
               Toll               free:               1-800-686-1526               (consumer               hotline)               
               Toll               free:1-800-686-1527               (fraud               hotline)               
               Toll               free:1-800-686-1578               (senior               hotline)               
               TDD/TTY:               614-644-3745               
               Fax:               614-387-1302               
               E-mail:               nancy.colley@ins.state.oh.us               
               www.ohioinsurance.gov
               Oklahoma               
               Insurance               Department               
               2401               N.

W.

23rd               St.,               Suite               28               
               PO               Box               53408               
               Oklahoma               City,               OK               73152-3408               
               405-521-2828               
               Toll               free               in               OK:               1-800-522-0071               
               Fax:               405-521-6635               
               E-mail:               okinsdpt@telepath.com               
               www.oid.state.ok.us
               Oregon               
               Insurance               Division               
               350               Winter               St.,               NE,               Room               440-2               
               P.O.

Box               14480               
               Salem,               OR               97310-3883               
               503-947-7984               
               Toll               free               in               OR:               1-888-877-4894               
               Fax:               503-378-4351               
               E-mail:               dcbs.insmail@state.or.us               
               insurance.oregon.gov
               Pennsylvania               
               Bureau               of               Consumer               Service               
               Insurance               Department               
               1321               Strawberry               Square               
               13th               Floor               
               Harrisburg,               PA               17120               
               717-787-2317               
               Toll               free:               1-877-881-6388               
               Fax:               717-787-8585               
               www.insurance.state.pa.us
               Puerto               Rico               
               Office               of               the               Commissioner               of               Insurance               
               Call               Box               8330               
               Fernandez               Juncos               Station               
               Santurce,               PR               00910-8330               
               787-722-8686               
               787-721-5848               
               Fax:               787-722-4402               
               www.ocs.gobierno.pr
               Rhode               Island               
               Insurance               Division               
               Department               of               Business               Regulation               
               233               Richmond               St.,               Suite               233               
               Providence,               RI               02903-4233               
               401-222-2223               
               TDD:               401-222-2999               
               Fax:               401-222-5475               
               www.dbr.state.ri.us
               South               Carolina               
               Consumer               Services               
               Department               of               Insurance               
               300               Arbor               Lake               Drive,               Suite               1200               
               P.O.

Box               100105               
               Columbia,               SC               29202               
               803-737-6180               
               Toll               free               in               SC:               1-800-768-3467               
               Fax:               803-737-6231               
               E-mail:               CnsmMail@doi.state.sc.us               
               www.doi.state.sc.us
               South               Dakota               
               Division               of               Insurance               
               Department               of               Revenue               and               Regulation               
               445               East               Capital               
               Pierre,               SD               57501               
               605-773-3563               
               Fax:               605-773-5369               
               www.state.sd.us/drr
               Tennessee               
               Department               of               Commerce               and               Insurance               
               500               James               Robertson               Pkwy.


               5th               Floor               
               Nashville,               TN               37243-0565               
               615-741-2241               
               Toll               free               in               TN:               1-800-342-4029               
               Fax:               615-532-6934               
               www.state.tn.us/commerce
               Texas               
               Department               of               Insurance               
               333               Guadalupe               St.


               P.O.

Box               149104               
               Austin,               TX               78614-9104               
               512-463-6169               
               Toll               free               in               TX:               1-800-252-3439               (consumer               help               line)               
               Fax:               512-475-2005               
               E-mail:               rbordelon@opic.state.tx.us               
               www.tdi.state.tx.us
               Utah               
               Department               of               Insurance               
               State               Office               Bldg.,               Room               3110               
               Salt               Lake               City,               UT               841146901               
               801-538-3805               
               Toll               free               in               UT:               1-800-439-3805               
               TDD:               801-538-3826               
               Fax:               801-538-3829               
               www.insurance.state.ut.us
               Vermont               
               Department               of               Banking,               Insurance,               Securities               and               Health               Care               Administration               
               89               Main               St.,               Drawer               20               
               Montpelier,               VT               05620-3101               
               802-828-3302               
               Toll               free               in               VT:               1-800-964-1784               
               Toll               free               in               VT:               1-800-631-7788               (Health               Insurance)               
               Fax:               802-828-3306               
               www.bishca.state.vt.us
               Virgin               Islands               
               Divison               of               Banking               and               Insurance               
               Kongen's               Gade               #18               
               St.

Thomas,               VI               00802               
               340-774-7166               
               Fax:               340-774-9458               
               E-mail:               vidoi001@aol.com
               Virginia               
               Bureau               of               Insurance               
               State               Corporation               Commission               
               PO               Box               1157               
               1300               East               Main               St.

(23219)               (only               for               special               delivery               and               walk-ins)               
               Richmond,               VA               23218               
               804-371-9967               
               Toll               free               in               VA:               1-800-552-7945               
               TDD:               804-371-9206               
               E-mail:               www.state.va.us/scc
               Washington               
               Office               of               the               Commssioner               of               Insurance               
               Insurance               5000               Building               
               P.O.

Box               40255               
               Olympia,               WA               98504-0255               
               360-725-7103               
               Toll               free               in               WA:               1-800-562-6900               
               TDD:               360-586-0241               
               Fax:               360-586-3109               
               E-mail:               mikek@olc-wa-gov               
               www.insurance.wa.gov
               West               Virginia               
               Department               of               Insurance               
               1124               Smith               St.

(25301)               
               P.O.

Box               50540               
               Charleston,               WV               25305-0540               
               304-558-3354               
               Toll               free               in               WV:               1-888-TRY-WVIC               (888-879-9842)               
               Fax:               304-558-0412               
               E-mail:               wvins@wvinsurance.gov               
               www.wvinsurance.gov
               Wisconsin               
               Office               of               the               Commissioner               of               Insurance               
               125               S.

Webster               St.

(53702)               
               P.O.

Box               7873               
               Madison,               WI               53707-7873               
               608-266-0103               
               Toll               free               in               WI:               1-800-236-8517               
               Dial               711               and               ask               for               608-266-3586               
               Fax:               608-266-9935               
               E-mail:               information@oci.state.wi.us               
               oci.wi.gov
               Wyoming               
               Department               of               Insurance               
               Herschler               Bldg.,122               West               25th               St.


               3rd               Floor               East               
               Cheyenne,               WY               82002-0440               
               307-777-7401               
               Toll               free               in               WY:               1-800-438-5768               
               Fax:               307-777-5895               
               E-mail:               wyinsdep@state.wy.us               
               insurance.state.wy.us/
               







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