Additionally, most group term life insurance policies don’t require individual physical examinations for employees covered, so employees who may not be able to obtain a competitive life insurance policy on their own can still be covered under group term life insurance. This alone can attract employees to your company over another, whether group term life insurance may not be offered and it’s up to individuals to pay their own premiums.

Group term life insurance is a great benefit to provide to employees and is much cheaper than a comparable number of individual life insurance policies. With no medical exam requirements and full payout, it is a great choice for any group of individuals.

************************************ Brad Triggs provides more information and free insurance quotes at his website: Insurelinq.com - Group Term Life Insurance ************************************

In event that your debit card is lost or stolen, there are certain steps you need to take immediately to limit your responsibility for fraudulent charges.

First, call issuing bank and cancel card immediately! If you contact bank and cancel card before any charges are made on card you won’t be held responsible for any charges. Even if you think you lost card and that you may find it, it’s safer to cancel card and limit your liability. Make sure that you keep a written record of date, time and who you spoke to at issuing bank.

Second, file a police report. Whether or not your bank requires it, you should file a police report with your local police department. In event that a negative entry is made on your credit report about charges that were fraudulent, you’ll need report to prove that you didn’t make charges.

The best way to prevent fraudulent charges on your card is to keep your card and account numbers out of hands of thieves. Identity thieves are extremely sophisticated and they don’t need to have physical card to drain your account, all they need certain information from card. Here are some steps that you should take to protect yourself from card thieves.

Be aware of your surroundings. If you use your debit card at an ATM machine, make sure that you’re aware of who is around you and shield keyboard with your body when entering your personal identification number (PIN).

When using a drive up ATM, make sure that area is well lit and is in view of passing traffic. Don’t use an ATM in a neighborhood you feel uncomfortable in.

Check out ATM machine. If there is a transparent overlay on ATM keyboard don’t use machine. ATM thieves use keyboard overlays to capture PINs. Also, if there is a detached card reader next to machine, take your business elsewhere: these devices are used to capture debit card data.

Don’t use your debit card for online purchases, use your credit card. If online thieves get your debit card information they can drain your bank account; if they get your credit card information they can only make charges up to credit limit of card. It’s much easier and less costly to dispute credit card charges than charges than withdrawals from your bank account.

Commit your PIN to memory, don’t write it down. Don’t give your PIN to anyone, not even someone at issuing bank.

Using your debit card to pay for purchases is convenient and fast, but it also exposes you to numerous risks. Be card smart: keep track of your debit card, monitor your bank account on a regular basis, take precautions when using your debit card, and, if your card is lost or stolen, report it immediately.