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It may seem simple - choose those closest to you, right? There's actually a little more to it than that. And since few things are more important than providing for your loved ones' security and comfort, you want to get everything just right - not to mention avoid giving Uncle Sam more than you have to.

Know your options

Generally, if you name a beneficiary in your policy, the money goes directly to that person or organization, and does not go through your estate. This avoids any probate or federal estate tax payments. But if you name your estate as primary beneficiary, the proceeds of your policy will become part of your gross estate, and possibly become subject to federal estate taxes.

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Model Introduction
The Sea-Doo Sportster 4-TEC is a speedy 15-ft runabout with a propulsion package that offers excellent maneuverability and an added measure of swimmer safety that can’t be matched by any propeller-driven boat. The Sportster 4-TEC is rated to carry 4 passengers or 715 lbs. total passengers and gear.

Construction
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Critical Knowledge:

  • New flagship full-size luxury sedan

  • 3.7-liter V-6 engine

  • Turbocharged V-6 engine to arrive within a year of launch

  • Front- or all-wheel drive (FWD or AWD)

  • Lincoln Sync communications system standard

  • Standard leather upholstery

  • Available 19- and 20-inch wheels and tires

  • Prices start under $38,000

  • Sales to start in summer 2008

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Know what your insurance deductible is so you’re prepared for any out-of-pocket expenses you may incur. Find out if your insurance policy covers common expenses, such as fees to rent a car while your vehicle is being repaired and towing charges in Los Angeles. Read more...
Newest Articles 

Family cars are typically used as four-wheeled appliances, as tools designed to perform a wide variety of tasks with minimum hassle. However, boring they need not be. In the midsize and large car segments, the Nissan Altima and Hyundai Azera are the J.D. Power and Associates 2007 Automotive Performance, Execution and Layout Study (APEAL)SM award recipients.

Midsize segment: 2007 Nissan Altima :

When redesigning an important product, many new-vehicle manufacturers will make it bigger, longer, lower, and wider. In the Altima’s case, Nissan actually altered the interior dimensions more than the



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Midsize Premium MAV Segment

Highest Ranked: 2005 Lexus GX
It may rank at the top of its segment in dependability after three years, but know that the 2005 Lexus GX 470 is a true off-roader, spiffed up with lots of luxurious leather and real wood trim. Inside, the GX is comfortable and clearly upscale. However, it drives like the boulder-bashing truck that it is, and



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2011 Volkswagen Touareg Hybrid Critical Knowledge:

  • Completely redesigned for 2011
  • Lighter and more fuel efficient
  • Longer wheelbase increases interior room
  • Gasoline, diesel and hybrid powerplants (market specific)
  • New all


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Sporty cars typically have it all—design, performance and a positive image. That makes top-ranking achievement in this category particularly special. In the sporty car segments, the Volkswagen GTI, Porsche Cayman, Ford Mustang, and BMW 6 Series are the J.D. Power and Associates 2007 Automotive Performance, Execution and Layout Study (APEAL)SM award recipients.

Compact Sporty Car segment: 2007 Volkswagen GTI :

Volkswagen introduced the first GTI in America in 1983. A modified Rabbit with a fuel-injected engine and stiffened suspension, the GTI was the original “hot hatch” and the car that kicked



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