The Lords Insurance Blog

Making Insurance

Archive for October 2010

Oddsurance 02

‘Normal’ insurance coverages  like auto insurance is great and all but not very entertaining. Odd insurances are.


Did you know that you could insure your body parts? Yes. Your eyeballs. Your legs. Your hands. Any of them! Although the average joe is not likely to be insuring his legs anytime soon, insuring body parts has been rather synonymous to celebrities.



Its origin is said to have originated in the silent movie era when Ben Turpin, known for his crossed-eyes, took out a $20,000 insurance policy in case his eyes no longer crossed. Yup.

Other celebrities  soon jumped on the publicity bandwagon.


Betty Grable, a pin-up model, insured her legs for one million dollars!


Bette Davis, an actress, took a policy against weight gain. Seems like a good way to motivate yourself to stay thin!

Dolly Parton, musician, insured her 42-inch bust for $600,000

Gene Simmons, of Kiss fame, supposedly insured his tongue for one one million dollars!


America Ferrara, star of Ugly Betty, insured her smile for ten million dollars.


So with these shining examples; insurance companies aren’t just insuring for the quality and size of body parts but more of their earning capacity. These celebrities are insuring more than a body part – they’re insuring a brand that matches their ‘character’.


A summary of WorkCover’s body part estimates follows:

  • loss of vision in both eyes was worth $100,000;
  • one eye was only worth $40,000;
  • the power of speech was valued at $60,000;
  • loss of hearing in both ears was worth $65,000;
  • hearing in one ear was valued at $20,000;
  • loss of the right arm above the elbow was worth $80,000;
  • loss of the right hand yielded $70,000;
  • the right thumb was worth $30,000;
  • the right forefinger was worth $20,000;
  • compensation for a leg was $75,000;
  • loss of a foot came in at $65,000;
  • a big toe was worth $22,000;
  • loss of both breasts yielded $47,000;
  • a penis was worth $47,000;
  • and the loss of both testicles came in at $47,000

Read more here :



Written by lordsinsurancelog

October 28, 2010 at 11:11 pm

Posted in Oddsurance

Discounts & Promotions on us!

That’s right. Discounts. Cue music.



Okay so besides offering sweet music, blueberry pies, and the best coverage for the best price – we’re also offering discounts & promotions to all our customers! Take a look at our partners page to view the discounts and promotion to save now! Or tomorrow. Or next week. Or whenever.

Also, if you refer 2 of your friends, we’ll also send you a $5 Starbucks gift card! Just visit the link here.

It’s great being a customer at Lords Insurance isn’t it? You get all these sweet deals!


If you want to join our league of extraordinary customers(to get discounts!) then fill out the form on this page on the right.


Start saving now!

Written by lordsinsurancelog

October 25, 2010 at 9:12 pm

iPad Giveaway

As of Feb 1st,  2011. The contest is now closed!


Thank you all who have signed up, a winner will be chosen within the next few weeks and promoted on our Facebook page.

Speaking of Facebook, we’re also having  Facebook SUPER contest on our page, so come on over to this post and take a look! You could win up to $50, or you could win nothing – ain’t the truth painful?

Written by lordsinsurancelog

October 18, 2010 at 11:24 pm

The Skinny on Saving Money on Car Insurance

Did you know that you could save up to $500 on car insurance in less than a few hours from your own home?! So why not take a bit of time to review your policy for potential savings!?!?? Or, if you’re fed up with your current insurer, shop around for a new company!!!!! Yes, I am scolding you.

Studies show that people don’t shop for insurance the same way they shop for a new car, laptop, or a rare ‘Batman #1’ comic book. Avoid being part of the studies and read  the skinny on how to save car insurance!

The Skinny:

Check on your insurance often, just don’t act like a stalking ex-boyfriend/girlfriend.

  • Insurance rates & policies change often so check often about any changes to your policy that could be applied to save you money. Teen drivers, new cars, moving, and so much more can potentially cause you to be paying for coverage that you no longer need.
  • Drop coverages that you don’t need anymore.

Always ask for discounts – nicely. Make sure to say please.

  • Your occupation can change the price you have to pay for a discount depending on the ‘risk’.
  • Being in certain professional organizations or auto clubs could net you some discounts, like AAA.
  • Vehicles with features like antilock brakes, automatic seatbelts, & airbags are frequently rewarded with discounts.
  • Some companies offer discounts to drivers who put fewer than a predetermined number of miles on the vehicle each year. Driving less makes financial sense, low milage discount can apply to drivers who carpool to work as well.
  • Stick with the same insurance company and build a reputation with them. Good reputation = discounts.
  • Six months ago, a certain discount may not have existed before and exists now so check for discounts often.

Your children can actually be useful for once in their life!

  • Good grades keeps rates down. Some places offer a C or higher while some others only accept A or B.
  • Have your child wait to get their license if applicable. Companies know teens are more likely to get into accidents so they insure accordingly. Rates plummet around the age of 21.

Take driving courses and no, the go-cart track does not count.

  • A driving course does not mean you are a bad driver, you just want to improve your driving skills! A defensive driving course will take minimal time and save money in the long run. One course could result in a lifetime of savings. Check with your insurance company to see what types of course are acceptable for a discount.

Have a good credit score or build good credit

  • Insurers know that if you pay your bills in a timely fashion and have had the same credit accounts for a long time, you’re more stable than someone who pays late and frequently opens and closes accounts – thus, cheaper insurance.
  • When you see an increase in your credit score don’t let the opportunity slip by to check and see if this credit score improvement will result in an improvement in your auto insurance rates as well.

Keep your records clean of tickets & incidents

  • Well duhhhhhhhhhhhhhhhhhhh
  • The standard is to increase your premium by 40% of the insurer’s base rate after your first at-fault accident, so don’t get into an accident! Though some insurance companies have a “forgive the first accident” policy. The qualifying variables are wide-ranging, so ask your company if it has a forgiveness policy and how to qualify.

Some last few words of wisdom:

  • Shop around and review all your options
  • Car models WILL affect premiums.  Auto insurers have a rating system for every car make and model.
  • The more expensive and higher-performance the car is, the higher the premium will be. Shop for a low-profile car if you want to save on insurance.

Written by lordsinsurancelog

October 12, 2010 at 11:22 pm

Posted in Insurance Tips

Oddsurance 01

‘Normal’ insurance coverages  like auto insurance is great and all but not very entertaining. Odd insurances are.

Change of Heart coverage – Basically you get a special event policy for your wedding.  If either partner change their mind and the wedding does not happen you are insured against the expense you have already paid out for such as reception, limo, dj, cake, etc.


In 2007, Fireman’s Fund Insurance Company joined forces with Insurance agent RV Nuccio & Associates Inc to enhance their insurance policies for weddings and private events to protect the finances of their customers. Fireman’s Fund is the first insurance company to offer this oddsurance.

Despite the interesting name, being stood up on the big day is only one of the many reasons why a wedding might not occur. Occurrences like weather, fire,  power failure at the venue, or missing photographers could be reasons why a spouse may want to cancel the entire wedding.

The insurance policy covers the following:

  • Gift, attire, jewelry, and rental property damage – Pays to repair or replace the items if damaged, lost, or stolen.
  • Photography – Pays the cost to retake photographs(including the travel) if the photographer fails to show up or if the negatives are damaged, lost, stolen or improperly developed.
  • Weather – Available for policies purchased 14 days or more before the event
  • Professional Counseling – Covers any counseling needed for the emotional distressed from a cancelled event.
  • Cancellation – Pays up to the limit selected for nonrefundable expenses.
  • International destinations – Covers destination weddings in the British Isles.
  • Loss of deposits – Refunds lost deposits if venue or professionals(caterer, djs, etc) fails to provide their services.

Since the birth of the change of heart oddsurance, other companies have also been offering such services to their customers.

Written by lordsinsurancelog

October 5, 2010 at 9:33 pm

Posted in Oddsurance

Interesting Photo 01

Ever curious about what life would be like if the last thing you saw was a golf ball flying right for your face that Tiger Woods hit? No?

Well here it is anyway.

The first photo of the day is of Tiger Woods hitting a golf ball right into a camera. The camera was simply dropped and there were no reported damage to the camera. Also, take a look at the amazing fella with the cigar on the right!

(Click for a bigger resolution)

Written by lordsinsurancelog

October 4, 2010 at 9:32 pm

Posted in Media

Thai Insurance Commercial

leave a comment »

Time for a change of pace!


Commercials in America rarely use the sympathy angle to target their audience but Thailand is not afraid to use such tactics to advertise their business. I stumbled upon these insurance commercials on YouTube and they’ve been quite an eye opener in a marketing sense. It definitely does a quality job getting people’s attention but is it a good idea to play this card from a business stand point?


The grammar in the videos aren’t so great, but don’t let that affect your view on theses videos.

Grandpa – About a grandpa and his love for his wife.

Daddy – It’s best to just keep this one spoiler-free.

My son – About a father and his neglect and reconciliation for his son.

Maa Thoy – About a loving adoptive mother.

My girl – About a father and his daughter.

Grandma – About an ex-pianist grandmother.

Marry Me –  A tragic love story.


What do you think? How many tissues did you go through? Could a commercial like this work in America? Many people tend to avoid uncomfortable stories but these commercials definitely leave a lasting impression.


Here are some quotes from the YouTube comment section:

“Thai commercials are the best in the world, like My girl, My son, Marry me, The dad that gets to hold his child only once before he dies, I want more time, and que sera sera. Thai insurance, the most touching, heartbreaking commercials ever. Thank you Thailand, this commercials have made me a better man towards my family, my friends and all people around me.”

“This is one of the saddest commercials I have ever seen…… How come we don’t have commercials like that?”

“God dam advertising im not even in thailand and i want thai life insurance!”

“THAI commercials are SO deep. HOW do they do this? I wish AMERICAN commercials were like this.”

“Why [can’t] the US can’t have these kind of commercials…”


Written by lordsinsurancelog

October 1, 2010 at 10:46 pm

Posted in Media