structured settlements annuities

A Structured Settlement Annuity (SSA) provides tax-free, periodic payments over a period of time, specifically designed to meet an injured party's needs. Specialized consultants facilitate the settlement process, as well as help design and negotiate the structure. 

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

• Features customized design: Payments are specifically tailored to meet the injured party's particular financial needs over a defined period.
• Emphasizes stability: Payments are designed to help meet the claimant's current and future financial needs.
• Promotes security: Structured settlement provide the dependability of a highly rated financial institution.

Benefits for the defendant:

• Leads to faster settlements
• May reduce costs
• Avoids Jury trials
• May allow for tax deduction (self-insured)

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and guarantees, including annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment optionA Structured Settlement Annuity (SSA) provides tax-free, periodic payments over a period of time, specifically designed to meet an injured party's needs. Specialized consultants facilitate the settlement process, as well as help design and negotiate the structure. .

structured settlements annuities

mesothelioma attorneys california

lapper, Patti Schweizer & Mason is a California mesothelioma law firm with over 30 years of success. Our lawyers have recovered millions of dollars in settlement compensation for mesothelioma (asbestos cancer) patients and their families who have lived and worked in the State of California.

We have represented workers who were exposed to asbestos in shipyards, refineries, naval facilities, construction sites and industrial operations throughout California. Unfortunately, the same industry, shipbuilding and military presence that has been an economic boon to Californians over the years has also resulted in many of our citizens being exposed to asbestos and developing mesothelioma and other asbestos diseases.

These diseases could have and should have been prevented. The knowledge that was needed to prevent asbestos diseases from occurring existed as far back as the 1930's. California law allows people who develop asbestos diseases, even from exposure in the remote past, to sue and receive compensation from the responsible companies.

The law in California allows us to obtain early trial dates for people with mesothelioma, so that our attorneys can often completely resolve a case within six months or less. California law imposes liability on the companies that sold defective products for the injuries caused by their products. California juries, particularly in Los Angeles, Alameda and San Francisco Counties, have repeatedly awarded large verdicts for mesothelioma victims and their families. This record of large jury verdicts provides motivation for asbestos companies to settle cases before trial.

Mesothelioma is a very serious form of cancer related to asbestos exposure, and families who have been touched by mesothelioma have many challenges ahead. Whatever treatment options a mesothelioma patient chooses, treatment is expensive. A mesothelioma diagnosis can often mean financial hardship without some kind of legal assistance.

Our experienced mesothelioma lawyers can help provide fast compensation to California families impacted by mesothelioma. The financial resources we make available allow our clients to focus on fighting mesothelioma, beating the odds, and enjoying time with loved ones.

We have represented people who have worked at virtually every major shipyard, refinery and industrial plant in the state. The full list is too long to mention here, but our clients have worked at:

Government shipyards in California with possible asbestos exposure:

• Hunter’s Point Naval Shipyard
• Long Beach Naval Shipyard
• Mare Island Naval Shipyard
• Alameda Naval Air Station
• 32nd Street Naval Base (San Diego)
• North Island Naval Air Station (San Diego)

Privately owned shipyards in California with possible asbestos exposure:

• Kaiser Shipyards 1-3 (Richmond)
• Bethlehem Steel Shipyard (San Francisco)
• Marin Shipbuilding Corporation (Sausalito)
• Triple A Shipyard (Alameda)
• Triple A Shipyard (San Diego)
• Pacific Ship Repair (San Diego)
• Campbell Industries Shipyard (San Diego)
• San Diego Marine Shipyard
• California Shipbuilding (Wilmington)
• Western Pipe and Steel (San Francisco)
• Western Pipe and Steel (San Pedro)
• Bethlehem Steel Shipyard (Terminal Island)
• Todd Shipyard (San Pedro)
• Todd Shipyard (Alameda)
• Moore Drydock (Alameda)
• National Steel Shipyard (San Diego)

Refineries in California:

• Exxon Refinery (Benicia)
• Standard Oil Refineries (Richmond, San Pedro)
• Tosco Refining (Avon)
• Union Oil Refineries (Carson, El Segundo, Rodeo, San Pedro)
• Shell Oil Refineries (Dominguez, Martinez)

Other facilities have included numerous power plants, high-rise buildings, industrial facilities, factories, automotive garages and municipal sewer and water services. We have a vast library of information about these and many other California sites, that includes information about the types and brands of asbestos products used at each location.

Every mesothelioma patient’s exposure to asbestos is different. Some, such as insulators, shipyard workers or pipe fitters, had jobs that obviously involved working with asbestos. Others were exposed during the course of home remodeling and during the use of consumer products–completely outside their occupation.

Many mesothelioma victims we have represented have not known how or when they were exposed to asbestos until our lawyers completed an extensive asbestos exposure investigation. By getting to know each client as an individual, and by learning each client’s personal story of asbestos exposure, we can show which asbestos companies were responsible for causing the mesothelioma.

Victims of mesothelioma that live in California or another state:

Our attorneys who are experts in mesothelioma cancer lawsuits, will provide a free mesothelioma case evaluation and will fly to your location to meet with you in person. If you are a family member of someone who has been affected by asbestos cancer in California or any state in the U.S. contact us. There is no up front cost to you for our services. We are here to help.  We have over twenty five years of experience providing mesothelioma legal representation to clients in California as well as across the United State

mesothelioma attorneys california

structured settlement annuity companies

We've compiled both a list of firms that distribute settlement payments payments and a list of brokers you can approach if you want to sell your settlement payments for a lump sum. Inclusion on this list is not an endorsement of any firm.

Which settlement company is the best overall? Which structured settlement company is the best in the secondary market? While I'm not sure there's a way to have a definitive answer, there are a number of factors that you may consider:

1. How long has the company been in business?
2. What do others say about the company? Does the company have a Better Business Bureau profile?  What's it rating? Does it normally respond to problems quickly? Does it have a Yelp review? 

/s/ Jovan Johnson972) 952-0260 

annuitytransfers.com 

800 E Campbell Rd 

Richardson, Texas 75081

CAMPBELL FINANCIAL CORP.

(719) 687-6220 

campbellfinancialcorp.com 

350 W. Henrietta Avenue 

Woodland Park, Colorado 80863

CAPITAL PLANNING, INC.

(952) 541-9464 

info@capitalplanninginc.com 

capitalplanninginc.com 

2051 Killebrew Drive 

Suite #640 

Bloomington, Minnesota 55425

CBC SETTLEMENT FUNDING

877.564.8508 

info@cbcsettlementfunding.com 

cbcsettlementfunding.com 

500 Delaware Ave. 11th Floor 

Wilmington, Delware 19801

CLIENT FIRST SETTLEMENT FUNDING

(888) 594-1195 

(888) 594-1190 

Clientfirstfunding.com 

301 Yamato Rd #3200 

Boca Raton, Florida 33431

DRB CAPITAL

(855) 693-6100 

(866) 744-9935 

drbcapital.com 

701 Park of Commerce Blvd, Suite 301 

Boca Raton, Florida 33487

EPS SETTLEMENTS GROUP

(303) 337-0400 

info@epssettlements.com 

epssettleents.com 

5613 DTC Parkway, Suite 600 

Greenwood Village, Colorado 80111

FAIRFIELD FUNDING

(404) 814-0225 

info@fairfieldfunding.com 

fairfieldfunding.com 

3424 Peachtree Rd 

Atlanta, GA 30326

J.G. WENTWORTH

(866) 477-9729 

(484) 434-2300 

rconnelly@jgwentworth.com 

jgwentworth.com 

201 King of Prussia Road 

Radnor, Pennsylvania 19087-5148

LIBERTY SETTLEMENT FUNDING

(954) 357-7235 

(954) 763-1165 

info@libertysf.com 

libertysettlementfunding.com 

16 N.E. 4th St, Suite 210 

Fort Lauderdale, Florida 33301

MILLENNIUM SETTLEMENTS

(850) 894-4265 

(800) 573-8853 

kbollman@msettlements.com 

msettlements.com 

3500 Financial Plaza, 4th Floor 

Tallahassee, Florida 32312

NOVATION SETTLEMEN

structured settlement annuity companies

mesothelioma survival rates

ercent of patients with mesothelioma survive the first year after diagnosis. That survival rate depends on many factors, including age, cancer stage, cancer type, race and gender. Long-term survivors attribute their success to treatment from a mesothelioma specialist, alternative medicine and nutritional changes.

How is survival rate meOverall, older mesothelioma patients have a much lower survival rate than younger ones. More than 50 percent of patients diagnosed before the age of 50 live one year, but less than33 percent of patients 75 or older live the same amount of time. Rates are similar for long-term survival. Younger patients have a 20 percent chance of surviving a decade; older individuals have a 1 percent asured?Survival rates for mesothelioma cancer vary by the patient's age, gender, race and several other factors. The location, stage and cell type of the cancer, as well as your overall health, have the strongest influence on your prognosis.

Below is a breakdown of some common factors and how each correlates to a patient's survival rat between 1999 and 2010. About 40 percent of U.S. patients live to the one year mark. By the second year, about 20 percent of patients are still alive. And by the third year, the number is 8 percent.

Researchers describe the mesothelioma survival rate in several ways. They usually talk about it in terms of one-year survival, the percentage of people who survive for a year after diagnosis. Through their studies, they also look at longer survival times, including the number of people who live two years, three years and five years.

Average ms difference is largely because younger patients are eligible for more intensive treatments like surgery. Older individuals may not be candidates for these procedures because of poor overall health or a high risk of complications.

Elderly people often manage one or more chronic medical conditions in addition to mesothelioma, such as diabetes, heart disease and COPD. Survival is generally better for younger people because they are less likely to have serious conditions that may make them ineligible for effective treatment options.

It's rare when someone younger than 50 receives a diagnosis of asbestos-related cancer. The average age at diagnosis is 60, and from 1999 to 2010, nearly 80 percent of Americans who died from mesothelioma were older tha

mesothelioma survival rates

LIFE INSURANCE CO LINCOLN

We are the third largest direct writer of group life insurance in the U.S., as mWe are tWorking with Securian over the last 11 years has been a great pleasure. All of their representatives dedicated to our account are extremely responsive and competent. Their online capabilities are outstandinghe third largest direct writer of group life insurance in the U.S., as measured by insurance in force.5 We offer term and you have to work long hours first year to build up a sizable paythru... make sure your contract is at least on a 65% anything lower your getting ripped off. i do believe in the system. However after your first year of learning how to sale the product out in the field you MUST MUST MUST MUST start recruiting and building you a team or you will ultimately fail just selling life insurance. The charge backs are a headache once you really get in over a year and im convinced that you'll always have at least a grand in charge back balances so you have to have a team to counter act the charge backs so you can use your overwrite to pay back charge backs . dont get sold the dream of making you a star..all that hype and blah blah blah. you can make money here but you have to sale your butt off the first year. recruit 60% sale 40% second and third year 5050...then after that you should just be recruiting. the residual income is great WITH THE BUILDING OF A TEAM OVERWRITE ( THE MONEY YOU RECEIVE OFF YOUR TEAM SALES) LEADS ARE JUST PART OF THE GAME YEAH THEY COST 30-45 A POP....ARE THEY WORTH IT.... 50% OF THE TIME...cash value group life insurance programs, as well as accidental death and incoln Heritage Life Insurance Company is a privately-owned national

insurance company that was founded in 1963 — a time when insurance claims
in the Final Expense market could take several months to be paid to

policyholderdismemberment protection and voluntary insurance products to large employers and small municipal groups nationwide. Internationally, we work with Zurich Insurance Group and Zurich Employee Benefits Network to provide group life coverage for global employees.6

5The direct group life insurance inforce as of Dec. 31, 2014, on a consolidated basis as reported in the annual statement policy exhibit state pages. Data sources: SNL Financial LC. This statistic reflects the insurance affiliates of Securian Financial Group, Inc., Minnesota Life Insurance Company and Securian Life Insurance Company. 6Minnesota Life Insurance Company and Securian Life Insurance Company are not affiliated with Zurich Life Insurance Company Ltd or Zurich American Life Insurance Company. Zurich Life Insurance Company Ltd and Zurich American Life Insurance Company are solely responsible for the financial obligations under the policies of the contracts they issue. Zurich Life Insurance Company Ltd does not issue policies or contracts in theasured by insurance in force.5 We offer term and cash value group life insurance programs, as well as accidental death and dismemberment protection and voluntary insurance products to large employers and small municipal groups nationwide. Internationally, we work with Zurich Insurance Group and Zurich Employee Benefits Network to provide group life coverage for global employees.6

5The direct group life insurance inforce as of Dec. 31, 2014, on a consolidated basis as reported in the annual statement policy exhibit state pages. Data sources: SNL Financial LC. This statistic reflects the insurance affiliates of Securian Financial Group, Inc., Minnesota Life Insurance Company and Securian Life Insurance Company. 6Minnesota Life Insurance Company and Securian Life Insurance Company are not affiliated with Zurich Life Insurance Company Ltd or Zurich American Life Insurance Company. Zurich Life Insurance Company Ltd and Zurich American Life Insurance Company are solely responsible for the financial obligations under the policies of the contracts they issue. Zurich Life Insurance Company Ltd does not issue policies or contracts in th

LIFE INSURANCE CO LINCOLN

HOLLAND MICHIGAN COLLEGE

Meet Laura, one of our Personal Insurance Advisors. Laura is based  in our Wexford office and in the car insurance video below, she explains what you should do when you receive your car insurance renewal. She also explains how we differ from direct insurers and other brokers in Ireland. Get an instant online car quote right now and check out Laura’s video below.
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private, residential liberal arts college in downtown Holland, Michigan, United States, a few miles from Lake Michigan. It opened in 1851 as the Pioneer School by Dutch immigrants four years after the community was first settled. The first freshman college class matriculated in 1862 and Hope received its state charter in 1866. Hope College is affiliated with the Reformed Church in America and it retains a vibrant Christian atmosphere. The school's 125 acres (0.195 sq mi) campus is adjacent to the downtown commercial district and has be
 r belongings and property fully protected.Hope's motto is taken from Psalm 42:5: "Spera in Deo" ("Hope in God"). The college's emblem is an anchor. This is drawn from a speech made by Albertus van Raalte, the leader of the community, on the occasion of the founding of the Pioneer School in 1851: "This is my anchor of hope for this people in the future," (an allusion to Hebrews 6:19). The primary-level Pioneer School was later expanded to secondary, and soon after, college level education as Hope College. Van Vleck Hall, which originally housed the Pioneer School, is the oldest building on campus (1858) and now serves as a dormitory. It is the second oldest building in the city. The first freshman college class matriculated in 1862, and Hope received its state charter in 1866. The college admitted its first female students in 1878.

2015 marks Hope College's 150th year of education. In honor of this celebration, Hope College held many events throughout 2015. The celebration began with the 150th commencement on May 3, 2015. The year held two grand openings, the Kruizenga Art Museum and the Jack H. Miller Center for Musical Arts, and the groundbreaking ceremony of the Jim and Martie Bultman Student Center. The College also sponsored the Presidential Colloquium lecture series which featured an address by David Brooks on Christian education in the 21st century.^[3]

Academics[edit]

Van Vleck Hall, built in 1858, to house the Holland Academy

The college offers 90+ majors, all of which lead to a Bachelor of Arts, Bachelor of Music, Bachelor of Science, Bachelor of Science in Engineering, or Bachelor of Science in Nursing degree. It has a student population of about 3,400 with a student-to-faculty ratio of 12:1. The college offers off-campus study programs in several US cities, including Philadelphia, Washington, D.C., and Chicago, and overseas programs for the summer, semester, or an entire academic year. Among its international programs, a long-standing summer semester in Vienna is fairly popular among students.

Hope maintains strong ties to the Reformed Church of America and seeks to educate students within the historic Christian faith while maintaining a rigorous academic education.

In addition, Hope College is a member of the Great Lakes Colleges Association.

Courses offered at Hope are divided into five disciplines.

General Education

While taking courses in General Education^[4] at Hope, students will encounter a diverse array of topics rooted in the liberal arts education. Regardless of his or her major, students will take courses in the areas of art, history, language, literature, math and sciences In addition to these courses, students will also participate in a First-Year Seminar course during their freshman year and a Senior Seminar course in their senior year of college. These courses were developed to help transition students in and out of their college career.

Arts and Humanities

The Fine and Performing Arts^[5] degree at Hope College consists of four departments, which include Art and Art History, Dance, Music and Theatre. The Humanities division includes the departments of English, History, Modern and Classical Language, Philosophy and Religion. The Arts division at Hope College seeks to “educate every student and the community in the transformational power of the arts.” Hope College was the first private, liberal arts college to hold national accreditation in art, dance, music and theatre.

Natural and Applied Sciences

The Natural and Applied Sciences^[6] programs at Hope College include Biology, Biochemistry and Molecular Biology, Chemistry, Computer Science, Engineering, Geological and Environmental Sciences, Mathematics, Neuroscience, Nursing and Physics. Many of these departments offer research positions for students in the summer and also provide summer camps for elementary to high school students to attend.

Social Sciences

A Social Science^[7] degree at Hope College consists of the departments of Communication, Economics and Business, Education, Kinesiology, Peace and Justice minor, Political Science, Psychology and Sociology/Social Work.

Pre-health Programs

There are a wide variety of pre-health programs^[8] offered by Hope at the undergraduate level. These programs include Chiropractic Medicine, Dentistry, GEnetic Counseling, Medicine, Occupational Therapy, Optometry, Pharmacy, Physician Assistant, Physical Therapy, Podiatry, Public Health, Speech Language Pathology and Veterinary Medicine. Other pre-health professions include Nursing, Athletic Training and Pre-clinical Psychology.

Accreditation

Hope College is accredited^[9] by the Higher Learning Commission of the North Central Association, with professional accreditation from the following:

• Accreditation Board for Engineering and Technology
• American Chemical Society
• Commission on Accreditation of Athletic Training Education
• Commission on Collegiate Nursing Education
• Council on Social Work Education
• National Association of Schools of Art and Design
• National Association of Schools of Dance
• National Association of Schools of Music
• National Association of 

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MASSAGE SCHOOL DALLAS TEXAS

There’s no denying the power of bodywork. Regardless of the adjectives we assign to it (pampering, rejuvenating, therapeutic) or the reasons we seek it out (a luxurious treat, stress relief, pain management), massage therapy can be a powerful ally in your healthcare regimen. Research continues to show the enormous benefits of touch—which range from treating chronic diseases, neurological disorders, and injuries, to alleviating the tensions of modern lifestyles.Research continues to show the enormous benefits of touch—which range from treating chronic diseases, neurological disorders, and injuries, to alleviating the tensions of modern lifestyles.

• Alleviate low-back pain and improve range of motion.
• Assist with shorter, easier labor for expectant mothers and shorten maternity hospital stays.
• Ease medication dependence.
• Enhance immunity by stimulating lymph flow—the body’s natural defense system.
• Exercise and stretch weak, tight, or atrophied muscles.
• Help athletes of any level prepare for, and recover from,strenuous workouts.
• Improve the condition of the body’s largest organ—the skin.
• Increase joint flexibility.
• Lessen depression and anxiety.
• Promote tissue regeneration, reducing scar tissue and stretch marks.
• Pump oxygen and nutrients into tissues and vital organs, improving circulation.
• Reduce post surgery adhesions and swelling.
• Reduce spasms and cramping.
• Relax and soften injured, tired, and overused muscles.
• Release endorphins—amino acids that work as the body’s natural painkiller.

MASSAGE SCHOOL DALLAS TEXAS

LOW CREDIT LINE CREDIT CARDS

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• Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
• Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
• USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
• It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit scor

Simply getting a credit card will not help you build or re-establish your credit history. Making on-time minimum payments with all of your creditors and keeping account balances low relative to the credit limit are key to receiving positive marks on your credit history. Prepaid debit cards, unlike credit cards, do not provide a line of credit and do not influence your credit history. Choose from secured and unsecured credit cards, and prepaid card offers below - some of them are fee-based.

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CAR INSURANCE QUOTES MN

Getting the right car insurance starts with knowing your state insurance requirements. In Minnesota, you're legally required to have the car insurance coverage at the levels listed in the chart below. Once you're familiar with the basics, take a look at the common coverage levels of Allstate® policyholders in Minnesota. It's a great way to get a sense of what others are choosing in your area.

Your agent ca

A professional will assess the damage, determine what needs to be repaired or replaced and provide you with an estimatn help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs. As your life changes, your car insurance should, too. Your agent will be there to discuss your options and help you find ways to save on your premium. Allstate also provides you with helpful information so you can better understand car insurance and rest easy knowing you're protected.tate chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums. Coverage limits and deductibles identified as "most common" in the chart above are the most popular limits and deductibles selected by Allstate policyholders in Minnesota. All coverages are subject to policy terms, conditions and state availability.

Drivewise available in AL, AK, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SD, TN, UT, VA, VT, WA, WI, WV and WY. Feature is optional. Subject to terms, conditions and availability. Savings based on how you drive. Your savings will vary. Allstate Property and Casualty Insurance Co. & Allstate Fire and Casualty Insurance Co. & their affiliates: Northbrook, IL. Allstate New Jersey Property and Casualiling a claim can be an emotional time. Allstate is here to help you every step of the way, making your claims experience as simple and convenient as possible. With one of the largest teams of claims professionals in the country and 24/7 claims support, we'll work to help you get back to normal quickly. You can file your claim online quickly and easily by logging in to My Account. Once you're logged in, you can start your claim and track its progress.ty Insurance Company, Bridgewater, N.J. © 2012 Allstate Insurance Co

CAR INSURANCE QUOTES MN

CHEAP AUTO INSURANCE IN VA

ValuePenguin.com analyzed car insurance premiums to give the state's 5.7 million licensed drivers an idea of the best auto insurance rates in Virginia. We studied car insurance rates by company, city, and profile, and found the overall average to be $2,737 for a standard liability protection. 

While $2,737 was the mean blended premium, we found that rates could vary quite widely. In fact, for the same driver, we saw the difference between the minimum and maximum car insurance costs to be as much as 7x between different companies and cities. This is why to find the best rates, consumers should shop around. Type your zip code below to start shopping great quotes from the top auto insurance companies in your area, or read more below.

• Best Auto Insurance Rates in Virginia
• Cheapest Auto Insurance in Virginia
• Average Car Insurance Costs by City
• Auto Insurance Rates by Driver
• Best Car Insurance Companies in VA

Best Auto Insurance in Virginia

The annual premiums below are based on auto insurance coverage that adds uninsured / underinsured motorist coverage, medical payments, and some comprehensive and collision protection in addition to the minimum insurance liability limits in the state of Virginia.

Based on the sample rates below, prospective policyholders can see how researching and comparing rates result in a more informed decision. The difference between the most expensive and lowest rates is $4,206, which could have almost paid for four more years of car insurance at USAA. For non-military drivers, that delta is $3,714 between Progressive Direct Insurance Company and Travelers Home and Marine Company. Read below for the best car insurance companies ranked by premiums.Find The Cheapest Insurance 

ValuePenguin.com analyzed car insurance premiums to give the state's 5.7 million licensed drivers an idea of the best auto insurance rates in Virginia. We studied car insurance rates by company, city, and profile, and found the overall average to be $2,737 for a standard liability protection. 

While $2,737 was the mean blended premium, we found that rates could vary quite widely. In fact, for the same driver, we saw the difference between the minimum and maximum car insurance costs to be as much as 7x between different companies and cities. This is why to find the best rates, consumers should shop around. Type your zip code below to start shopping great quotes from the top auto insurance companies in your area, or read more below.

• Best Auto Insurance Rates in Virginia
• Cheapest Auto Insurance in Virginia
• Average Car Insurance Costs by City
• Auto Insurance Rates by Driver
• Best Car Insurance Companies in VA

Best Auto Insurance in Virginia

The annual premiums below are based on auto insurance coverage that adds uninsured / underinsured motorist coverage, medical payments, and some comprehensive and collision protection in addition to the minimum insurance liability limits in the state of Virginia.

Based on the sample rates below, prospective policyholders can see how researching and comparing rates result in a more informed decision. The difference between the most expensive and lowest rates is $4,206, which could have almost paid for four more years of car insurance at USAA. For non-military drivers, that delta is $3,714 between Progressive Direct Insurance Company and Travelers Home and Marine Company. Read below for the best car insurance companies ranked by premiums.

CHEAP AUTO INSURANCE IN VA

PHD IN COUNSELING EDUCATION

The Ph.D. program, accredited by CACREP (Council for Accreditation of Counseling and Related Educational Programs), prepares students to work as counselor educators, clinical supervisors, and advanced practitioners in academic and clinical settings.

A sample of program awards include:

• consistent top 10 rankings in the country by U. S. News and World Report
• consistent top 10 rankings in the country by the Chronicle of Higher Education in terms of faculty scholarly productivity
• faculty recognition by various professional organizations for outstanding teaching and mentoring, including the Rehabilitation Counselor Educator of the Year Award, the Penn State University Outstanding Teaching Award, the Penn State University Excellence in Advising Award, and the Penn State University Outstanding Student Organization Adviser of the Year Award.
• faculty members have served as editors, reviewers, and editorial board members of leading journals in the field including: Journal of Counseling Development; Counseling Today; Career Development Quarterly; Journal of Counselor Education and Supervision; Rehabilitation Counseling Bulletin; Journal of Rehabilitation; The Family Journal; Journal of Mental Health Counseling; Professional School Counseling; Journal of Humanistic Counseling, Education, and Development.  

The mission of the program is to:

• extend the knowledge base of the counseling profession in a climate of scholarly inquiry
• prepare students to generate new knowledge for the profession through research that results in scholarly publications
• prepare graduates to be leaders and advocates for change

An emphasis is placed on faculty involvement in areas including:

• teaching, research, and professional service
• leadership in national counseling associations and organizations
• leadership as journal editors or associate editors
• research and development: faculty have written over 600 journal articles and 50 books, and have delivered over 600 presentations at international, national, and state professional conferences

Program Objectives

1. The Counselor Education doctoral program objectives address the professional leadership roles of counselor education, supervision, advanced counseling practice, and research competencies expected of doctoral graduates.
2. The program consists of a minimum of four academic years of graduate level preparation (including master's-level preparation), defined as eight semesters, with a minimum of 96 graduate-level credits required of all students in the program.
3. Learning experiences beyond the master's-level are required in all of the following content areas:

• theories pertaining to the principles and practice of counseling, career development, group work, systems, and consultation
• theories and practices of counselor supervision
• instructional theory and methods relevant to counselor education
• pedagogy relevant to current social and cultural issues, including social change theory and advocacy action planning
• design and implementation of quantitative research methodology, including univariate, mutlivariate, and single-subject design
• design and implementation of qualitative research, including grounded theory, ethnographic, and phenomenological methodologies
• models and methods of assessment and use of data
• ethical and legal considerations in counselor education and supervision
• the role of racial, ethnic, and cultural heritage, nationality, socioeconomic status, family structure, age, gender, sexual orientation, religious and spiritual beliefs, occupation, physical, and mental status, local, regional, national, international perspective, and equity issues in counselor education programs

1. Counselor Education doctoral students will have experiences that are designed to:

• program, students can focus on a specialty area of interest including school counseling, mental health counseling, and rehabilitation counseling. Current full-time students generally receive financial assistance in the form of fellowships or graduate assistantships.
  
  
  Doctoral Program Contacts:
  
  JoLynn V. Carney, Ph.D.
  Associate Professor of Counselor Education
  Coordinator, Doctoral Program
  Phone: (814) 863-2404
  Email: jcarney@psu.edu
  
  Christine Andrus
  Administrative Assistant
  Phone: (814) 865-8304
  Email: cma18@psu.edu
  develop an area of professional counseling expertise
• develop collaborative relationships with program faculty in teaching, supervision, research, professional writing, and service to the profession and public
• foster participation in professional counseling organizations, including the Association for Counselor Education and Supervision (ACES) and the American Counseling Association (ACA)
• meet criteria for appropriate credentials
• promote scholarly counseling research
• enhance technical competence

Admissions Requirements

Students admitted to the doctoral program must have completed master's level studies that are comparable to CACREP entry-level standards

PHD IN COUNSELING EDUCATION