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Wednesday, November 21 2018 @ 07:51 AM UTC

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FREQUENTLY ASKED QUESTIONS ABOUT TITLE INSURANCE

Title Insurance
Real estate has traditionally been a family's most valuable asset. It is a form of wealth that is protected by many laws. These laws have been enacted to protect one's ownership of real estate and the improvements located on the land. The owner, the owner's family, and the owner's heirs may have rights or claims in and to the property that you are buying.

Those who have an interest in or lien upon the property could be governmental bodies, contractors, lenders, judgment creditors, or various other individuals or corporations. The real estate may be sold to you without the knowledge of the party having a right or claim in and to the property. In addition, you may
purchase the real estate without having any knowledge of these rights or claims. In either event, these rights or claims remain attached to the title to the property that you are buying until they are extinguished.

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The Expat Health Insurance Gap

Health InsurancePublished on Tuesday, May 05th, 2009 by Shelter Offshore:

http://www.shelteroffshore.com/index.php/health/more/expat-health-insurance-gap-10436/

The recession and deflation are seeing prices for all sorts of services, goods and commodities fall in real terms. Some say this is a downward spiral thatís hard to break as we all wait for prices to fall before we buy anything Ė but that aside for a moment, there is one Ďcommodityí or service thatís actually fast increasing in expense, and thatís health insurance.

For expatriates and those thinking about a move overseas, this is worrying news. Health insurance is already an expensive necessity to have for expatriates in most nations, and many expats are looking at ways of cutting the overall cost of their cover. Some find that by taking local insurance only they can cut their costs, but then they leave themselves exposed to the expat health insurance gap.

The expat health insurance gap exists for those who want to travel, relocate or repatriate, and itís those who fall into the latter category who are being particularly affected at the moment as they realise that they are not automatically entitled to NHS care if they do return to Great Britain. Whatís more, some of the largest international insurers such as AXAPPP and BUPA are keen to let expats know that their international policies are actually more competitively priced than many may previously have thought.


Why International Health Insurance is Rising MORE...

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Essential Health Advice for Expats Living in Panama

Health InsurancePublished on Friday, April 03rd, 2009

Great article from Shelter Offshore:

http://www.shelteroffshore.com/index.php/health/more/essential-health-advice-expats-living-panama-10377/

Last year around 20,000 Brits joined the 1.2 million people who decided to visit or live in Panama.

Located in Central America, Panama offers a tropical paradise of Pacific Ocean and Caribbean Sea beaches alongside cool mountain highlands. It is home to the Panama Canal, often described as one of the wonders of the modern world, and it is becoming a very popular place to retire or relocate to.

Itís always advisable to visit your doctor or a travel health clinic 4-8 weeks before setting off on your journey. Current governmental health advice given for travel or relocation to Panama recommends the following immunizations: Hepatitis A and B are recommended for all travelers over the age of 1, as is the typhoid vaccine. If youíre planning to explore Panama and travel outside of Panama City, the Canal Zone or the San Blas islands youíll need a yellow fever vaccination too, and if youíre entering Panama from a yellow fever infected country youíll need to have an international yellow fever vaccination certificate.

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Insurers shun those taking certain meds

Health InsuranceInteresting article from the Miami Herald:

BY JOHN DORSCHNER
jdorschner@MiamiHerald.com
Trying to buy health insurance on your own and have gallstones? You'll automatically be denied coverage. Rheumatoid arthritis? Automatic denial. Severe acne? Probably denied. Do you take metformin, a popular drug for diabetes? Denied. Use the anti-clotting drug Plavix or Seroquel, prescribed for anti-psychotic or sleep problems? Forget about it.

This confidential information on some insurers' practices is available on the Web -- if you know where to look.

What's more, you can discover that if you lie to an insurer about your medical history and drug use, you will be rejected because data-mining companies sell information to insurers about your health, including detailed usage of prescription drugs.

These issues are moving to the forefront as the Obama administration and Congress gear up for discussions about how to reform the healthcare system so that Americans won't be rejected for insurance.
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Expat Avoids "Express Kidnapping" Attempt

General Panama InfoGood article from PG "Be aware of your surroundings"!

DON WINNER for Panama-Guide.com - I received the following today from Kristin (snip). She narrowly avoided becoming the next victim of an "express kidnapping" in Panama City just yesterday afternoon. While playing poker at the Veneto last night I was told of yet another expat who wasn't so lucky as Kristin. He hopped into a taxi on Via EspaŮa near the Blockbuster. The taxi driver picked him up and then drove just half a block where three more men quickly jumped into the cab. The drove him all over town, forced him to pull as much money as possible out of an ATM, stole all of his possessions (watch, rings, wallet, etc.) and then left him without a dime out behind the Roberto Duran stadium. He was unharmed, and both of these people were very lucky. Please read the following story and LEARN from the experiences of others. If you continue to wander around with an "it can't happen to me" attitude, then you might just as well paint a big, fat target on your forehead. Anyway, please read on... (more)

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Lessons learned after a successful tow!

Automobile InsuranceHello Kevin,
Thanks again for all the help you gave us during the trauma with the van. It was a difficult time for me and you were a rock, which I know helped us through many tough spots. I am sorry when there was confusion. A lot of people were involved in coordinating the fix-it job on my end also. But it all worked out and everyone performed well. I have attached a note with some of my thoughts about the process. More.........
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"Painless Panama Auto Claim"?

TestimonialsCarmen and Kevin,

I want to thank you for your help regarding the accident I had in Chitre in July of this year.

With your help and the excellent service of the insurance company I had absolutely no problem regarding this accident.

I had to go to a hearing before a Judge as to fault ( this is the procedure in Panama I understand ) and was treated very well and did not feel ill at ease being a "gringo". The fact that the insurance company provided an attorney for me at no expense is a tremendous benefit of your company. The other party ( Panamanian taxi driver ) was found to be at fault by the Judge even though he was a " local ".

Although this was not a pleasant experience you and the insurance company you represent made it as painless as possible.

Once again thank you for the excellent service,

Hugh C. Avis

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Panama Flood Insurance

Fire InsuranceIt is important that you check your fire insurance policy to make sure that is contains coverage for flood and water damage.

Fire Insurance policies for structures in the Republic of Panama are similar to those issued in the USA, Canada and Europe. The basic fire policy usually includes "extended coverage" for occurrences other than fire. This extended coverage should include Flood & Water damage, Explosion, Earthquake, Windstorm, Lightning, Smoke damage, Falling Objects and Debris Removal after an incident.

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About Ducruet!

About UsThis article is by David Young from La Estrella Online newspaper, 18 December, 2007.

My staff, clients and I have moved to L.R. Ducruet y Hijos, effective August 1, 2007.

A company - where honor and service walk hand in hand

Breakfast in a private room at a five star hotel may not be a big deal for a jet-hopping business executive, but it's an event to be savoured when your role in the company could be office cleaner or coffee room supervisor. Especially when the meeting is sans departmental managers, but includes the company president.
For Luis "Tito" Ducruet, who heads one of Panama's leading insurance brokers, it's a bi-monthly event when he sits down with his grass roots employees to listen to their concerns and suggestions and to share with them his plans and dreams for the future. The meetings are fruitful and have produced many innovative approaches to management, and underline the cooperative philosophy of a company that has expanded its business by 800 percent in the past six years.
It also gives the company the opportunity to reinforce its commitment to the statment that sits on a plinth in front of the company headquarters, a commitment to honor.

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Roadside assistance works!

Automobile InsuranceBuenos Dias Kevin, Carmen, and Rosita,

Dan and I wish to extend our heartfelt THANKS to all of you for helping us through the incident with the crazy lady at Price Smart who accused us of hitting her car. Kevin, you went way out of your way to assist us by coming to our aide in person. And Carmen and Rosita, your prompt response to my frantic phone call with policy number information was also greatly appreciated. And will you all please convey to Giovanni our "thanks" for staying with us throughout the whole ordeal? Additionally, please do tell Giovanni's employer that this young man is extremely professional, competent, and courteous.

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