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Auto insurance coverage is more valuable than premium

By focusing on the increasing ratio of road accidents, we realize the significance of increasing rate of auto insurance policy. Car insurance does not only provide us with the cover for hospital expenditures in case of an accident but also keep us vigilant to drive safely. While applying for an auto insurance policy, you will be asked to provide correct information. For your information, hybrid energy efficient car can get couple dollars discount. Remember what else you can mention to the insurer to get a discount. But do not get a discount by eliminating valuable coverage that you need most.

Free life insurance for working parents

“We support the communities we serve and work in through charitable contributions and leadership. One of the ways we do this is through LifeBridge, a unique free life insurance program that helps children of income-eligible families pay for their education expenses if their insured parent or guardian passes away during the term of the policy. It’s designed to help parents protect their dream of providing an education for their children — even if they can’t be there to provide for them. We’re proud of the positive impact LifeBridge has on the lives of participating families,” said one of our LifeBridge coordinator Madeline Landrau of US Insurance group.

Provider: MassMutual Financial Group

Civil rights in Islam

Ask a widow the need of a life insurance policy.

In the name of Allah, Most Gracious, Most Merciful.

“And those who are taken in death among you and leave wives behind – for their wives is a bequest: maintenance for one year without turning [them] out. But if they leave [of their own accord], then there is no blame upon you for what they do with themselves in an acceptable way. And Allah is Exalted in Might and Wise.” (Sura Bakara 2:240; translation: Sahih international)
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Muslim Funeral Insurance:

The expenses of preparing the dead, like the fees for the person who digs the grave, the fees of washing the dead, and the price of the coffin and the like, should all be paid from the money of the dead, in principle, and if he has no money, then it is those who were obligated to spend on him who should provide the above. If there is none, then it is Bayt-ul-Maal (the public treasury of the Muslims) that should spend on this, and if there is no Bayt-ul-Maal, then it is the Muslims who are present around him (at the time of death) or who heard of him who should provide this.

Muslim Funeral Insurance premium rate chart for US Muslims

Shariah about this program:

Al-Buhooti from the Hanbali School of jurisprudence said:

“The expenses of the dead should be spent from his money [inheritance] according to reasonable grounds, and if the dead has no money, like if he did not leave any money, or that his money was lost before preparing him for his funeral, then it is those who were obligated to spend on him who should spend on his funeral, because they were obligated to spend on him during his life, and the same applies after his death.”

On the other hand, it is permissible to set up a fund for the funerals in order to pay for the expenses of preparing the dead for burial especially in non-Muslim countries.
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Life insurance could play an important role to protect financial future of a vulnerable family or institute.

NINC, as NY #1 incorporation for Islamic insurance broker farm, provides excellent services in New York City residents with support from US insurance companies among which AIG, Ameritas, MassMutual, MetLife, Transamerica, and Prudential are noteworthy.

Final Expense in New York

Proper coverage for funeral is vital in Final expense plan.

Funeral insurance policy can cover these concerns and more. Set aside $ every month to ensure that your beloved dependents can continue their daily expenses in the event of your sudden death or disability. Funeral insurance is a small life insurance issued by MetLife, Ameritas, MassMutual, AIG companies. In addition our legal unit pursues New York City Burial Unit to extend help for survivor family regarding Burial fund for those who have not left any money. A basic funeral costs minimum $7,000 in USA.
Step One is to start saving in your own funeral fund or step two is to buy funeral insurance.

Final Expense plan includes

Funeral coverage
• Income replacement: Ameritas of NY compensates $50,000 to $200,000 to insured’s family when the head of household (insured) dies.
Charitable giving

Burial Assistance Information

Government is there to take care funeral?

The Human Resources Administration (HRA) will provide financial assistance to individuals in need of assistance to meet funeral expenses. These funds are available when an indigent resident of New York City dies who may have been in receipt of Supplement Security Income (SSI), Cash Assistance (CA), or leaves no funds to cover his or her burial expenses, and there are no Legally-Responsible Relatives (LRR) able to pay the funeral expenses. In order to get assistance to get access this fund, you may like to be a registered member of Muslim Funeral 24-7.

How much funeral expense is covered by NYC HRA?

1. HRA will pay up to $900 towards burial expenses, but total burial expenses must be no more than $1,700. The cost of cremation or grave and grave opening charges are excluded, however, the cost of burying the ashes, after cremation is not excludable in calculating the $1,700 total cost. If the total funeral bill exceeds the amount of $1,700, HRA will make no payment.

2. Any asset (whether or not previously assigned to HRA), that was available to the deceased or any amount that a LRR (e.g., a spouse or parent of a minor child) may have had on the Date of Death (DOD) is deemed available, and any amount paid or to be paid by any other source, will be subtracted from the $900 payment if the claim is determined eligible for payment. Any assets or resources left by the decedent on the date of death will be subtracted from the $900, if the claim is otherwise determined to be eligible.