Life and Health Insurance Tips
December 25, 2008, filed under News and Rumors
Tips for Life Insurance
Author: Monique Beidleman
I once told a good friend of mine that if she needed assistance or tips for life insurance, I was here to help. I always mentioned she needed life insurance, but she held it off time after time. She knew she needed it. She was fully aware that if anything should happen to her, her family would not be able to pay the mortgage payments. She knew how important it was, but she just procrastinated into doing something about it. Sadly, my friend passed away. Her family is in turmoil as we speak. I don’t tell you this to gain sympathy support. I’m telling you this because it is a fact…You can make sure your family is protected, even in the event of your death.
I understand it is hard for people to think about their own death. Nonetheless, the reality is that we are all going to pass at sometime or another. Wouldn’t you feel better knowing that you will still be able to take care of your family even after your death?
Here are some tips for life insurance to consider:
Cost- Don’t be fooled by cheap premiums. I’m not saying getting an inexpensive premium is not possible, but don’t always be lured by the cheapest premium. You need to look at policy coverage and extras within the cover to make sure you are getting the best value for your money. If a premium is too costly for your budget, it is much better to get at least one policy rather than nothing at all. You can always then review and add to it later.
Read the small print- There are many life insurance scams. Understanding the small print is crucial. Make sure you sit down with a licensed life insurance agent so that you can make sure you understand your policy in detail.
Full disclosure is crucial- Make sure that the answers you give when applying are correct and include all relevant personal information and medical history.
I hope you found these tips for life insurance useful. Feel free to contact me if you have additional questions or concerns. If you would like more information, please fill out the form here.
About the Author:
Monique Beidleman is a licensed agent in MD/DC/VA/PA specializing in retirement planning, college planning, mortgage protection, and life insurance. Her goal is to touch as many people as possible with this valuable information. The client comes first…ALWAYS!!!! Please contact me for a
Article Source: http://www.articlesbase.com/insurance-articles/tips-for-life-insurance-688632.html
Beware the Health Insurance Bundle
Author: Joseph Jessome
Sometimes in business it seems like getting several services from the same company is a value, and it can be. We use Bellsouth for our internet, phone and fax needs. It just worked out better.
But sometimes a “bundle” can be little more then a distraction.
Sometimes with health insurance, certain companies will offer a substandard major medical plan combined with a substandard dental and vision plan.
At first glance, a potential consumer may be fooled into thinking that they are getting more for their money. And in reality they end up with a whole lot …of nothing.
It can turn into a bit of a “shell game.” Money gets wasted like this all the time. I believe what happens is that people want to feel like they are going to get something for their health insurance premium and they say to themselves, “Well, we will probably never use up our deductible, so we might as well take this guy’s plan with the dental attached to it and then at least we will get some use out of our insurance.” Every single time they lose money this way.
Even the best individual plans out there that offer the best dental available have a benefit maximum of $1000 per person per year. So, when you take into account the monthly premium, the per family member dental deductible and the 50% coinsurance
On all procedures that are above preventative … is it worth the money?
That goes double for these “association” based plans that offer additional benefits for the self employed, etc. Again, a distraction and not in your best interests. All these “techniques” are designed solely to take the consumer’s eyes off of the details of their major medical health insurance coverage. End of story. You pay for your own cleanings and the possible root canal, etc. on your own; you will ALWAYS save money at the end of the year when measured against your dental coverage and premium. Insurance companies LOVE when agencies attach or sell plans with these built in ancillary products because they ALWAYS make money on them. Us, we don’t care about insurance companies, we care about our clients.
You want to focus on one thing at a time with the understanding that acquiring the most value possible for your health insurance dollar is of paramount importance.
About the Author:
Joseph Jessome is the director of www.SmartHealthIns.com. Joe is a subject matter expert on the topic of individual health insurance. Currently licensed in 14 states and he has been in business close to 11 years. Smart Health Insurance Inc. prides itself on the highest level of continued service possible. For more information on health insurance and the service we offer please visit our websites, www.Texas-health-insurance-1.com, www.Alabama-health-insurance-1.com, www.Florida-health-insurance-1.com. Or contact Joe Jessome directly at 800-828-2950 director of Smart Health Insurance Inc.
Article Source: http://www.articlesbase.com/insurance-articles/beware-the-health-insurance-bundle-688375.html
Read more:
Find the Best Term Life Insurance Policy There are a lot of interesting offers available on the...
Cheap Online Dental Insurance If you want to make savings on your dental insurance...
Choosing Cheap Term Life Insurance Policies Compared to the other types of insurance like the universal...
Individual Dental Plan For Individuals For those people who do not have dental insurance coverage...
Do you think the article will help people when they look for a certain topic? Then bookmark this article on Stumpedia by clicking the button below and submit the keyword you think the article is associated with.
