How to Switch to Whole Life Insurance Since the premium rates of term life insurance are cheaper, people prefer to go for term life insurance at a young age. But it is also common among people to switch to whole life insurance at a later stage of their life, when they can afford paying high premiums. Getting a whole life insurance is a good idea because term life insurance policies offer coverage for only a certain period of time. Whole...more
You and Government Health Insurance In the past few years, there's been a lot of news about government medical insurance, even though it's been mostly bad press. However, it's still an option for most, especially for the ones with lower incomes. The changes in government subsidized health insurance cover so much also, which will be explained here as simply as possible. While the Health Care Reform Bill now would have a lot of people buying...more
Whether you are looking for business insurance, home or car insurance you need to have a trusted resource to help you navigate the maize of options in the market today. You can't turnaround without being bombarded with ads about how a Gecko or Caveman or groovy waitress-looking chicks are telling you that all you have to do is call them and you will save $487. Or switch to xyz insurance company and save 15%. Are all of these ads right? Are they all the lowest cost solutions? How can this be? Who can I believe? Something just isn't adding up! Take a peak here to get an insider's look at the insurance industry Insurance companies price their policies on a multitude of factors ranging from their overall underwriting profit (or combined ratio), their expense ratios, returns on their investment income and the competitive landscape. It has been our experience in the Cedar Park insurance market that carriers go through cycles in their pricing structure. A big reason for this is their loss history for a given market segment as well as the company overall. If an insurance company experiences lower than normal claims and makes more of an underwriting profit, they typically get more...more
From boiler insurance to the Gas Safe register – a handy checklist for the winter Suffering a home emergency can really ruin your day – whatever time of the year it is. However, when it comes to a boiler breakdown, winter is the worst time for your heating to pack up. With every year that passes, the record for the coldest and longest...more
How Families Can Get Low Income Health Insurance - Save Hundereds Of Dollars Easily There are many uninsured people in this country. Many individuals understand the need for insurance, but unfortunately can't afford it. If they become ill, they try toughing it out. If they injure themselves, they try to let the wound heal on its own...more
Low-Cost Health Insurance for Low Income families - How To Save Your Money Many low income families have experienced a crisis due to the recession and the increased cost in health care programs. According to a study done by the Commonwealth fund in 2007, 97% of American families who earned more than $60,000 per year stated that they carried health insurance to help shield them from unexpected emergencies.Shockingly, those who were in a lower income bracket showed that 53% of them had no insurance or had experienced a lapse in their health coverage in the previous year.Not carrying low cost health insurance for low income families can have devastating effects on American's lives. Those who do not carry health are 5 times more likely to try to avoid seeing a physician for either urgent physical care or preventative care due to the rising cost of these visits.The Institute of medicine has shown that over 19,000 deaths have occurred in 2008 from diseases that were 100% preventable just by having low cost health insurance for low income families.For those who do not carry low-cost health insurance programs, the average cost of a single emergency room visit averages around $3300....more
How to Get a Low Cost Family Health Insurance Plan and save money The high cost of medication has made health insurance move up to being a very high priority item everywhere in the Unites States of America. It is now very difficult for many...more
Whether you are looking for business insurance, home or car insurance you need to have a trusted resource to help you navigate the maize of options in the market today. You can't turnaround without being bombarded with ads about how a Gecko or...more
Remember your holiday for the right reasons – not home emergency insurance hell There's few things more satisfying during the cold winter months than jetting off for a bit of fun in the sun.While everyone at home battles with mountains of...more
Let's talk about how much you should be paying for health insurance.Now, I'll preface this with saying, it can vary a whole lot and it varies based on the type of coverage you choose, the deductible you choose, your age, the state you live in...more
Choices of Small Business Health Insurance You know you are mandated to offer health insurance to your employees. If you've lower than five employees then you're considered a small business and may perhaps be wondering what your choices are....more
In today?s world, nobody is safe anywhere as we see numerous natural calamities creating unfriendly driving situations. Accidents are common and so are the rates of fatalities. In such circumstances, we cannot emphasize enough the importance of...more