Essentially you are just a compilation of risk. You may believe that you don't need insurance for you or for your family and that you will take your chances on staying healthy and safe but taking this risk could cost you everything that you have worked for. The following are the basic forms of insurance that every person should have regardless of their race, age, or nationality and the reasons why you don't want to get caught without them.Health...more
What Makes An "Unreasonable" Group Health Insurance Rate? The rate of medical inflation is currently 3.4% -- and yet employers around the country are often seeing rates far in excess of that. Legislators and media alike accuse carriers of giving "unreasonable increases."Recently, the CEO of MVP Health Care, a New Hampshire and Vermont HMO, talked about the fact that insurance companies are often excoriated for increasing rates...more
Many American's are experiencing for perhaps the first time in their lives the pain of living a life without insurance. For many people, they really don't appreciate what having health insurance affords them. It offers a peace of mind in knowing that if there is something wrong with you or a member of your family that you can take them to the doctor or to the emergency room without hesitation.Most people don't really realize the freedom that this affords them that is until they no longer have an insurance policy in place. Without health insurance you don't run to the doctor or the hospital you merely wait and hope the health issues go away on their own. You medicate with whatever you can pick up over the counter and hope for the best. Sometimes the problems do subside but sometimes the symptoms just temporarily subside and lead to bigger problems down the road.You see without health insurance you don't go for routine visits or well care, you simply hold off going to the doctor until you can wait no longer. This means allowing diseases to run rampant throughout your body. No early diagnosis for cancer. No quick resolve for issues like high cholesterol, high blood pressure, or...more
The Best Home Owner Insurance Company in Texas Obviously, the only way to find the best home owner insurance company in Texas is to find the company that will insure everything you need insured, and insure it at a price you can afford. Sounds pretty simple, right?However, many people mistakenly purchase a policy from a home owner insurance...more
In general people have a very limited understanding of Medicaid and Medicare and assume that both of these government insurance plans are designed to help those who need health insurance coverage in this country. While these systems are in place to help insure some of those people that fall through the cracks they really don't do enough to cover...more
Choosing Business Insurance In Denver If you have decided to open a business in the Southwest, you may notice a number of unique challenges and opportunities. The weather is amongst the oddest in the country, switching between extreme heat and extreme cold with the season, and you have likely learned that the term "dry heat" is a cruel joke perpetrated on outsiders. However, your business may be thriving due to the unique local economy, and you may need to either purchase better business insurance or finally get around to purchasing a policy. When it comes to business insurance Denver has to be one of the most necessary places in the world, combining a city situated in unique economic circumstances with all of the usual pitfalls of operating a business in a metropolis. There are a few particular things one should look for before purchasing insurance in the area.When it comes to business insurance Denver certainly does not slouch on the offerings. Most national companies offer some form of business insurance in the city, as do a number of local companies. The first thing any business owner wants to look at is the coverage. A premium may be particularly cheap, but there...more
Saving On Home Insurance Is Easy Your home is your most prized asset as it is typically the biggest investment people typically make. Having adequate insurance to cover this valued asset is essential. There are two insurance options for a...more
Why You Need Insurance Insurance is a fairly simple concept; you pay a company a certain amount of money in order to cover your own financial risks. In general the amount of money you pay, known as a premium, is far less than the amount paid...more
A lot of the time, people struggle to pay for family health insurance policies, especially those with large families. It can be difficult to insure a large family on a working class budget and of course while many times the grown ups in the family...more
Employer based health insurance is a benefit that is only offered within the United States. Other countries do not offer health insurance as part of a benefit of employment which is perhaps why other areas of the world have Nationalized Health Care...more
There are many different reasons why you need insurance for your home. In all cases, if you have your home financed, your lending company is going to require you get insurance for the value of the mortgage, to protect their investment from loss. This...more
Claims payment record of the Private Insurance Companies An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned....more