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    Free Essay
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    The best kept secret about life insurance

     

    : Do you love someone enough to spend your hard earned dollars on a life insurance premium -- month after month? Because the real benefit of a life insurance policy isn't for you. It's for those you love... but after you've gone. Life insurance is money paid to those who rely on you right now to provide a secure standard of living. They can lose this in a heartbeat. Life insurance is money when needed the most... with no income tax or publicity. Buying a life insurance policy is challenging because it isn't an easy subject matter to begin with. Most people get confused about how it works and whom they can trust enough to make the purchase. And there's a large number of companies and sales agents all clamoring for your attention. This article will help to clarify a huge misconception about term life insurance. Also, I'll introduce you to what many knowledgable professionals consider to be the best kept secret in a life insurance policy. Buy term and invest the difference is a phrase touted by those ... including many life insurance agents ... who have absolutely no idea how much harm it's implementation can cause. The principle theory is you no longer need life insurance when you reach a certain age such as 55, 60 or 65. Supposedly your kids have finished school and are doing just fine earning their own income. And you and your spouse are living comfortably on retirement savings and social security. On the surface and to the naive, this might appear reasonable. Now, it's easy to pick apart this hypothesis, but let's focus instead on the real problem with this scenario. We are living longer than ever before. We may not be enjoying it very much due to poor health but, nevertheless, we're hanging on. Life insurance companies know this better than anyone. In fact, most of them now use age 115 has a factor when calculating life insurance policy premiums. You hear about retirees who are forced to find work at McDonald's or Wal-Mart. Have you ever joined a seniors chat room on the Internet and witnessed the concerns most of them have about running out of money before they die? Many of these seniors are frightened to death. And what about the millions of babyboomers right behind them. An intelligently purchased life insurance policy can be the saving grace for those you love the most. Now, let me set the record straight. I have nothing against term life insurance. For over 24 years I've personally sold millions of dollars worth. What bothers me ... and what I believe to be criminal ... is when term life insurance is sold under false pretenses. Let's use a simple example. A 35 year old nonsmoking male in excellent health can buy a $500,000 term life insurance policy for about $700 per year. The premium is guaranteed to be $700 for 30 years. Some companies will be a little cheaper and some a little more expensive. The buy term and invest the difference advocate would compare this to a $500,000 whole life insurance policy at $3,650 per year. Once again, some companies will be higher and some lower. Theoretically, you have $2,950 to invest each year for 30 years. I say theoretically because in the real world you would never consistently invest $2,950 each year. Not the same way you would commit to a life insurance policy premium. How do I know this? Call it human nature based on lots of experience. But, let's give you the benefit of the doubt and say you actually do invest according to this hypothetical plan. What rate of return are you going to make over 30 years? 5% ... 8% ... 10 percent? By the way, this question opens up another can of worms. The psychology of investing. But, we'll save that controversy for another time. For arguments sake let's assume you get an 8% compounded rate of return each year for 30 years. This comes to $360,920.41. Okay... so now you're 65 years old and you have $360,920.41. But guess what? When you reach 66 your $500,000 term life insurance policy will lapse without value because the annual premium becomes $21,180. Yep, you read that right! It jumps from $700 to over 21 thousand dollars. At age 70, it's $31,430. At age 75, it's $52,970. There's no way on earth you'll pay this premium. Problem is... you aren't dead yet! You have paid $21,000 over a 30 year timeframe to have a $500,000 life insurance policy during a period of time when the odds are you would never die anyway. Under normal circumstances you will die somewhere around age 80 -- give or take. Your loved one's investment account still won't be worth $500,000. What's more, she will have to pay income tax on the investment gains. Remember, life insurance proceeds are income tax free. Permit me to repeat myself. I am not against term life insurance ... as long it's purchased with an eye towards the reality of future expectations. If your term life insurance policy is issued by a highly rated company with a broad selection of products, you will have ample opportunity to convert the term into something more permanent over the course of the 30 years in our example. Keep in mind your age determines the length of time the term policy will have a guaranteed level premium. You may not be able to get more than a 10 year guarantee if you are over 50 years of age. So, exactly what is the best kept secret in a life insurance policy? It is a universal life insurance policy that guarantees the death benefit regardless of investment performance. Universal life is the most flexible type of policy on the market. The premium is higher than term, but lower than whole life. There are several on the market, so you must be careful.

    If you decide to buy term because of budget constraints, then be certain to buy from a company that also offers universal life. This gives you the chance to slowly convert the term into universal with the same company over the length of the term guarantee. As your budget permits convert term into universal. One word of caution.

    Long term interest rates are critical to the performance of universal life insurance. Because they've been depressed for several years and will likely continue so, you must get the universal life with an unconditional death benefit guarantee. Here's an example using our 30 year old male. The $500,000 universal life insurance policy premium is $2,871 per year. This compares with the already discussed $700 term and $3,650 whole life premiums.

    Let's say you really do decide life insurance isn't important when you reach 65. By that time, you would have paid $86,130 in total premiums. Down a rat hole like the term plan? Nope! The cash surrender value would be at least $85,501. It might well be over $100,000 based on the actual competitive interest rates credited to the policy over the 30 years. When you buy the right type of universal life you guarantee the death benefit for as long as necessary...

    plus you have the ability to recover your expense if you wish to cash it in. You can benefit from the best of both worlds when you use the best kept secret in a life insurance policy.

         
    The blue cross story

     

    The Blue Cross and Blue Shield Association is the largest private health insurance system in the United States (including Puerto Rico) and Canada. It is composed of 55 independent, locally operated Blue Cross and Blue Shield Plans that collectively provided health care coverage to over 88 million people in 2003. For its beginnings we need to go back to 1929 to a man namedJustin Ford Kimball when he became vice president of Baylor University in Dallas, Texas. He was an experienced administrator, as he headed the College of Medicine, School of Nursing, College of Dentistry, and the university hospital. Soon after taking the job, he developed a health plan that guaranteed teachers 21 days of hospital care for 50 cents amonth. The plan soon spread to other employee groups in Dallas, and then similar plans began to crop up nation-wide. Meanwhile, around the same time that Kimball was creating his plan, the Blue Shield concept was becoming popular in the lumber and mining camps of the Pacific Northwest. Serious injuries and chronic illness were common among these workers who were in very hazardous and dangerous jobs. Their employers saw the need to provide medical care for them and they arranged with physicians to pay them a monthly fee to take care of the medical needs of the workers. These programs would later become what is known as the Blue Shield Plans. As for the cross symbol, it was first used in a 1934 advertisement for the Hospital Service Association, which later became known as Blue Cross and Blue Shield of Minnesota. Joseph Binder, a Viennese artist, was hired by Company secretary E. A. van Steenwyk to create a poster that included a blue Greek cross. Van Steenwyk used the symbol to identify his company's health plans and then Blue Cross began to use it in other parts of the country. In 1939, the American Hospital Association, which was based in Chicago, began to use the Blue Cross symbol to indicate that health plans around the country met certain standards. The AHA continued to use the symbol until 1960 when the Blue Cross Association was founded. The two organizations remained affiliated until 1972. The shield symbol was created in Buffalo, New York by Carl Metzger in 1939 and the first official Blue Shield plan was founded in California that same year. Carl Metzger was an early pioneer in the Blue movement and he wanted a design that would distinguish the new medical service plan. It soon flourished as the number of Blue Shield Plans kept on growing. In 1948 the symbol was informally adopted by nine plans called the Associated Medical Care Plan, which was later renamed the National Association of Blue Shield Plans. Over the years, the Blue Cross and Blue Shield healthcare insurance concepts took hold. The Blue Cross Blue Shield Association was formed in 1982 by a merger of the Blue Cross Association and the National Association of Blue Shield Plans. When the Blue Cross and Blue Shield organizations merged, their brand symbols also merged and became one of the most familiar symbols in America. To show you how large it has become, in 2003, the Blue Cross and Blue Shield Association took in $182.7 billion in revenue. The evolution of managed health care in the United States is intimately linked to the designs of Blue Cross-Blue Shield.

         
    The comparison of term life insurance with whole life insurance

     

    Life insurance is a serious business that people should think twice about before signing, because it is not an investment tool, nor a way to save for college when purchased for children. However, for those who understand what insurance is intended for, term life insurance versus whole life insurance is a consideration coming into play. A whole life insurance company generally may provide a term life insurance quote to help you decided on the insurance to be purchased. Money is the critical factor between both insurance coverage’s. As an example, the first annual premium of a whole life insurance policy is typically much higher than the annual premium for a term life insurance. Life insurance can be purchase for many purposes, including providing financial security for your spouse, children's education after your death, pay death expenses, donate the proceeds to a charitable organization, and so on. The top reason people usually buy life insurance is as an income replacement after death for their dependents. Term life insurance is a life-only coverage policy, in which the benefits are obtained after your die. Therefore, if you are alive, there is no money for your beneficiaries. Whole life insurance offer death benefits but also a savings account, called "cash value”, giving money back if you are alive after the signed term, cashing the policy before it occurs, or borrowing money against the policy. Typically, if you require a life insurance quote before buy the policy, either the insurance company, financial institution or online services, provide it for free. Purchasing life insurance from a whole life insurance company may result in a more expensive plan than buying term insurance, because of the funds put into the cash value account. In addition, the longer your policy term, the higher cash value to the name beneficiaries or the surviving insured due to the insurance money being paid and the cash value earned dividends, interests or both, for terms ranging from 1 to 30 years. However, any whole life insurance company or other institution can lock whole and term life insurance policies into the same monthly payment over the whole life of each policy. When it comes to life insurance, many people consider whole life insurance as a type of retirement plan; however, they are more likely forced saving with high commissions and fees, including up front hidden commissions up to 100% of the first year's premium. On the other hand, premiums for term life insurance are cheaper for people in good health up to age 50 or so. If you ask for a term life insurance quote, you will be able to notice how premiums become progressively more expensive after 50 years, although a whole life insurance company may apply higher premiums according to the insurer's age, and most companies do not sell life insurance to people over age 65.

         
    The costly lure of free car insurance

     

    : Although not a completely stagnant market, selling new motorcars in the UK these days is hard workbating this, one very successful way that car manufacturers have found to attract new buyers to the motorcar market in the UK is to offer the first year’s car insurance completely free with the purchase of a new motorcar. Wonderful, but before you jump in and buy that new car, consider this:

  • if you are under the age of 25, while the first year of your motor insurance is going to be completely ‘free’ (i. e. paid for as part of a sales gimmick by the car manufacturer), subsequent years won’t be! So, before you buy that brand new SUV, 4x4 or sports car, you may want to enquire what the insurance will cost you subsequent of year 1 – otherwise you may well find you have the nicest looking car sitting on a car driveway in your neighborhood!
  • if you are going to buy the car using one of the car manufacturers’ payment hire-purchase payment plans, read the fine print to see if you are contractually required to use the same car insurance provider throughout the term of the hire-purchase period. If so, you may want to reconsider the value of buying your new car this way as there is a very good chance you can find cheaper car insurance elsewhere.
  • remember that even if you are the perfect driver and have no accidents or need to call upon the car insurance company’s services, it is going to have no bearing on the insurance quote for year 2. This is the case because you’ll not be credited with any ‘no claims bonus’ for that period.
  • if you decide to go ahead with the deal, check carefully to see what the car insurance exclusions are as, in most cases, the car insurance being provided for the first year is fairly basic and won’t cover you for a number of circumstances and events that you may automatically have assumed they would. There is little doubt that the lure of a year’s free car insurance policy as a marketing tool has been extremely successful, but faced with this and the opportunity to try and negotiate some free extras or upgrades with your new motorcar, you may very well want to consider taking the option of negotiating for the free extras or upgrades because in the long run the free motorcar insurance being given to you by your car salesman is going to be anything but ‘free’ and will almost certainly end up costing you far more than if you had arranged the car insurance yourself online.

  •      
    The differences between regular auto insurance and insurance bought online

     

    The unlimited advantages that the Internet has brought to our lives have even transformed the way we go about availing something as routine as auto insurance. With the option of applying for auto insurance online, car owners are spared a tremendous amount of time, effort and trouble that is involved in applying for regular auto insurance through an agent. It isn’t merely the convenience of being able to compare quotes but also to be assured of comparing the best rates available for auto insurance. The option of applying for auto insurance online offers the additional benefits of learning about new discounts and doing away with the need for locking in on a long term relationship with a particular insurance company. The old days of going through the tedious process of getting quotes from auto insurance companies are behind us as you can get all the insurance quotes you desire and the type of coverage you want. The online option of comparing quotes also means that you will be able to go through each plan in detail on the insurance sites in order to assess both the quality of the coverage as well as the rates. Discounts are a major advantage of online auto insurance as they enable you to save in hundreds in premiums. A variety of discounts can be found and qualified for online from opting from an alarm system in your vehicle to enrolling for certified defensive driving courses that reduce premiums for some of the companies. The more you explore auto insurance sites online, the more discounts you will find. The Internet is of course, synonymous with the amount of time you can save, not to mention of convenience of being able to do things at your own pace. This means not just doing away with having to schedule appointments with agents but also filling forms in the middle of the night and completing them the next day. Online insurance companies arrange to have the completed paperwork sent to you for your signature and presto, the process is over without having to miss out on a single day at work. Switching insurance companies is also made extremely easy with online auto insurance. Prior to the advent of the Internet, it was the norm to stick to the same insurance company irrespective of their rates. Online, however, it is up to you to check as often as you like on the availability of low rates. Every time you come across better rates, you can make the switch to another company in no time at all. The essential secret to online auto insurance is research, as rates can be widely varied between the make of vehicles and models. Discounts can also be found on accessories and features to ensure that eventually you are paying the lowest insurance rates possible.

         
    The different elements of a car insurance policy

     

    The phrase “car insurance” implies that what you are insuring is your car, but the realities of car insurance are a bit more complex than that. When you purchase a comprehensive auto insurance policy, you are protecting yourself from the costs of damaging your car, but that is just one element that makes up full automobile insurance coverage. You need insurance that can cover the legal fees that may result during a lawsuit if you take another driver to court after an accident. You need insurance that can cover the cost of prescription painkillers that you may need to buy for yourself if an uninsured driver runs a light and hits your car. These and hundreds of other possible costs that have nothing to do with your actual vehicle can be covered by so-called automobile insurance. The act of buying an insurance policy for your car is an act of making sure that it is financially safe both for yourself and for anyone else who you may encounter when you are behind the wheel. You need to protect yourself from the potential financial hardship of paying for the medical bills of anyone who you injure in an accident, and the costs of repairing any public or private property that you may damage. In addition, before you can hit the road in most states you need enough insurance that you will be able to pay for your own medical care if you are injured in a crash caused by an uninsured motorist. So far, none of these important elements of a standard car insurance policy even mention the automobile itself! A good collision or comprehensive insurance policy will cover at least some percentage of the cost of repair to your vehicle after physical damage. However, since not every state requires that you have this kind of insurance, don’t assume that physical damage is covered by your policy unless your agent tells you so directly. Physical damage coverage is just one element of a good automobile insurance policy, and many people consider it optional rather than necessary. The actual cost of insuring the physical form of your vehicle is almost always dwarfed by the costs of the other kinds of insurance that you need in order to drive safely, responsibly, and legally. Other options that you will be likely to encounter when choosing a car insurance policy include things like medical payments coverage, which will help you meet the costs of medical attention after an accident. Of course, a traditional auto insurance policy includes a certain level of protection against the costs of treatment, but things like co-pays are not covered by body injury liability coverage or uninsured motorist coverage. This leads many people to take out additional insurance so that they know that they will not have a larger than necessary financial burden if a hospital stay is necessary for them, for a passenger, or for somebody else harmed during a crash.

         
    The different types of life insurance explained

     

    There are numerous companies existing today that offer life insurance policies. Though the crux of the policy (to ensure a safe and sound life of an individual’s survivors as well as to the individual) does not alter yet companies try to differ with each other by making different classifications or bifurcations. Broadly the life insurance is divided into two parts. 1. Term Life Insurance Policy - Anyone can opt for a term life insurance. This type of policy is basically meant to cover a person’s short term requirements. For instance if the policyholder unfortunately meets with a grave accident, he can claim for the insurance amount. But it also compensates the bereaved in the case of death of a family member. All in all it is a policy that helps in covering potential need for life insurance in the short run. Term life insurance is usually a renewable and convertible program. It ranges from one to hundred years. If it is a one year program then the cost of its coverage increases after every one year till the time it expires. Generally the expiry is at the age of 75. While if the policy is term to the age of 100 along with cash value it subsequently becomes a part of the insurance for ‘whole life’. Quite often it is noticed that it is cheaper to buy a whole life insurance policy than a non-cash one in value Term 100 policy. 2. Permanent Life Insurance - this is life insurance for the entire life of the individual. The value of this policy increases throughout the time one participates in the program. Terms such as Par and Non-Par are widely used in this context. Par whole life coverage generates dividends that are a partial return of the premium paid for coverage and investment growth. The amount of dividends keeps on changing from annually. On the other hand the non-par whole life insurance policies offer no dividends. The future cash values in these cases are not projected but assured or guaranteed. • Besides this whole life-quick pay premium policies are also available. In these there is a fixed premium that one has to pay for quit a short interval of time till the time it is entirely paid up. The death benefit in this policy is leveled and paid up at the time the premium ceases. • Whole life insurance policy can also be fractured in terms of premium payable for 15 years, 20 years and 65 years of age. The terms and conditions in these cases remain more or less the same. • Universal life insurance policy is meant for people who require a life insurance, have a big marginal tax bracket, have big RRSP and pension contributions, paying a good tax on investment income, want to have an additional future income and have an investment prospect for at least 10 years. These policies are considered to be most difficult of all the insurance contracts.

         
    The efficiency aetna health insurance quote now

     

    I'd like to begin my Aetna health insurance quote now. Buy california health insurance plan and free health insurance is california health insurance quote is aetna health insurance. We were unable to find results for your search term - "aetna health insurance quote". We were unable to find results for your search term - "aetna health insurance provider". Preventive care is a high priority with Aetna health insurance. The efficiency of Aetna health insurance is based on its extensive network of affiliated health care facilities and medical professionals. Students do not need to subscribe to any other Chickering or Aetna health insurance plan to qualify. Nancy said the average length of Aetna's relationship with a company for whom they provide health insurance is ten years. Since then, competitive pricing and prudent management have led Aetna Health Insurance to increase its subscribership and membership several thousand fold. The AMA's opposition to Aetna's purchase of Prudential is the first time they have publicly opposed a health insurance consolidationpare, save, & apply online for Aetna health insurance plans for individuals, families, and employer groups. UMDNJ students and postdoctoral fellows have the option to obtain individual health insurance coverage through Aetna after they graduate/complete their training at UMDNJ. If you don't have accurate details regarding aetna health insurance , then you might make a bad choice on the subject. Millions of people have put their trust in Aetna health insurance over the years. Your health is in good hands with health insurance Aetna. Among health and insurance providers, kaiserpermanente beat out aetna on the strength of a stronger paid campaign. affordable-auto-insurance-quote/aetna-health-insurance/

         
    The five things you must know before buying boat insurance

     

    The Five Things You Must Know Before Buying Boat Insurance If you own a boat, you definitely need watercraft coverage. Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it – they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage. Here are five things you must know before buying boat insurance. 1. Many states now require you to carry watercraft liability coverage. This coverage will should protect you against any damage that you do to other people or other people's property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and collision. Call your insurance agent to find out what your state requires, and what their boat insurance policies cover. 2. There is optional coverage that you should strongly consider. Wreckage Removal coverage is one type of coverage that you should consider. In most places, removal of sunken or wrecked vessels is mandatory, and it is the responsibility of the owner to pay for this removal – which can be quite expensive. This optional coverage will cover those costs. You should also strongly consider coverage that will pay for repairs and mechanical failure, as well as coverage that will pay towing charges should you need to be towed back to shore. 3. Not all insurance companies will cover all operators of the boat that you are insuring. It is vitally important that you ask about this. Find out who is covered when operating the boat. Some insurance companies will only cover the boat owner as the operator for the rate that was quoted. The rate may go up to cover operators other than the actual owner. Make sure that the insurance agent clearly defines who is covered to operate the boat! 4. Most insurance companies that cover watercrafts offer discounts to people who have taken boat safety courses. However, each insurance company will only offer the discount for specific courses. Find out which course your insurance company will honor, and make sure you take and pass the course! This will save you quite a bit on your premiums – and you need the safety course anyway! Find out what other discounts you may be eligible for as well. Most insurance companies won't tell you about the discounts unless you specifically ask about them. 5. You will typically get the best rate from the insurance company that insures your automobiles and your home – but not in all cases. When you are shopping for insurance, call your current insurance company first – but then check with other insurance companies to see what kind of rate you can get. While getting quotes online is very convenient, you should avoid actually purchasing your coverage online. Call and talk to an agent personally instead, or have them call you. Remember that insurance companies are in competition with each other, and they will work with you to get your business. Let each one know about the lowest rate that you have been quoted, and ask them if they can do better! Before shopping for insurance, think about the investment that you have made in your boat. Boats are not cheap! Repairing and replacing boats is not cheap either. Make sure that you get the coverage that you need to protect you against all losses involving your boat! CopyRight Ian D. Major 2005.

         
    The health insurance portability accountability act

     

    In 1996 "The Health Insurance Portability and Accountability Act" (HIPAA) was enacted by the U. S. Congress. The act was instated primarily to protect health insurance coverage for workers and their respective families when their is a loss or change of employment. This is outlined in Details in Title I of HIPAA Act. As in Title II of the act, the establishment of national standards for electronic health care transactions and national identifiers for the providers, employers and health insurance plans. Along with that is the addressing the importance on the security and privacy of all health data. These standards are meant to bog the system down, but rather to improve the efficiency and effectiveness of the entire national health care system by 'encouraging' the increased standards of using electronic data interchange in all health care. There has been in the past, and I'm sure there will continue to be controversy over the The Health Insurance Portability and Accountability Act, as there is in most other Acts that are passed through by Congress. Their is great benefits to be had with complete cooperation, but it does cost time and money to get started. A little bit now, for alot later is easy for us to say, when we aren't the ones who are having to shell out the money to pay for the upgrades that may be required. Or do we end of paying with rising health care costs?

         
    The history and principles of insurance

     

    : Insurance History Insurance as we understand it now might be associated to the Huge Fire of London, which in 1666 devoured 13,200 houses. Fallowing this disaster Nicholas Barbon opened an office to insure buildings. In 1680 he established England's first fire insurance company, "The Fire Office", to insure brick and frame homes. The first insurance firm in the United States provided cover against fire was founded in Charles Town (nowadays Charleston), South Carolina, in 1732. In 1752, Benjamin Franklin formed the Philadelphia Partnership for the Insurance of Houses from Loss by Fire. They refused to insure certain homes where the risk of fire was too Great, such as all wooden houses. Insurance Principles: The timing or occurrence of a damage must be unknowen. The value of damages need to be very knowable. In order to set premiums or in other words to calculate prices, insurers ought to be able to estimate them. Insurers want to understand how much They would be required to pay once the insured event occurs. Virtually all kinds of insurance have maximal levels of payouts, with a bit of exceptions like health insurance. The loss ought to be significant: The legal principle of De minimis (From Latin:about minimal things) dictates that trivial matters are not covered. The fee paid by the insured to the insurer for assuming the risk is called the 'premium'. Possible sources of risk that could give rise to claims are referred to as "perils". Examples of perils may be fire, theft, earthquake, hurricane and a lot of other likely risks. An insurance policy may set out in details which perils are covered per policy and which aren't. The loss must not be a disastrous in degree, If the insurer is insolvent, They will be unable to pay the insured. In the United States, there are Guaranty Funds to reimburse insured people whose insurance companies became bankrupt. This program is operated through the National Association of Insurance Commissioners (NAIC). Indemnnification Anyone wanting to transport risk (an individual, corporation, or organization of any type) becomes the 'insured' party when risk is assumed by an 'insurer', the insuring party, by means of a contract, defined as an insurance 'policy'. This legal contract sets out conditions specifying the total of coverage (compensation) to be rendered to the insured, by the insurer upon assumption of risk, in the event of a damage, and 100% the specific perils covered against (indemnified), for the term of the contract. Whenever insured parties experience a loss, for a specified peril, the coverage allows the policyholder to arrange a 'insurance claim' against the insurer for the amount of damage as specified by the policy contract. The Insurance Companies Stability Financial stability and strength of the insurance firm should be a main consideration Whenever purchasing an insurance agreement. An insurance premium paid now will bring coverage for damages that may arise many years in time to come. This is why, the viability of the insurance firm is highly important. Recently, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage simply given by a government backed insurance pool with less insurance History and PrinciplesS-attractive payouts for damages). A number of independent rating agencies, such as Best's, furnish references and rate the financial stability of insurance companies. How The Premium is Calculated The insurer utilizes actuarial science to quantify the risk they are ready to accept. Information is gathered to approximate future insurance claims, ordinarily with reasonable precision. Actuarial science utilizes statistics and probability to analyze the risks associated with the variety of perils covered, and these scientific principles are used by insurers, in combination with more factors, to set rate construction. Gambling Analogy Several indeviduals erroneously consider insurance a type of wager (particularly as associated with moral hazard) that executes over the policy time period. The insurance company bets that you or your property might not suffer a loss while you put money on the opposite outcome. Virtually all home owner's insurance does not cover floods. By using insurance, you are managing risk that you may not otherwise stay away from, and that doesn't present the option of benefit (net risk). In other words, gambling isn't an insurable risk. Who Really Doesnt Need Insurance? A few of religious sections including the Amish and Muslims stay away from insurance and instead depend on support provided by their fellowship When disasters strike. This can be thought of as "social insurance", as the risk of any given human is assumed collectively by the society who might completely bear the cost of rebuilding. In closed, supportive communities in which others might in fact step in to rebuild lost house, this arrangement might function. Most societies could not effectively support this type of system and it may not work for large risks. (Source: en. wikipedia. org/wiki/Insurance).

         
    The importance of mortgage life insurance

     

    Let’s face it – mention things mortgage life insurance – in fact anything personal finance related - and we all know that it is as dull as dishwater. However, without things like mortgage life cover - life could be a lot harder financially. So, what is mortgage life insurance and what is so great about it? In a nutshell, in the event of you or your partner dying, mortgage life insurance can mean that the difference between keeping a roof over your head or ending up having your home repossessed – a frightening thought. And while many of us find organising something like life insurance a sombre business as it makes us face our mortality, it is the fair and right thing to do for your partner and any next of kin to make sure that your finances are in order in the event of your death. So why do you need mortgage life insurance cover? A mortgage life insurance policy runs for a fixed policy term – most people take it put to run concurrent with their mortgage. Should you die before the end of the term period, the policy can help pay off outstanding balance of the mortgage on your home. This will be in the form of a cash sum. This means that your dependants will not have the financial worry of trying to find the mortgage repayments in the event of your death. Neither will they have to worry about selling up and maybe downsizing in order to keep a roof over their heads – the last things that you would want to put them through. The good thing about mortgage life insurance is that you only pay for the cover that you need – so as the amount outstanding on your mortgage decreases, you are only paying out for the level of cover you require. Mortgage life policies are available on a single or joint life basis. If you have a joint life policy, the amount is paid out on the first claim only. You can decide how long you want the policy to run for – and as we mentioned before, most people have it to run concurrent with their mortgage – and in most cases you can have additional benefits such as critical illness cover for an additional premium. With critical Illness benefit the policy pays out either on death or on the diagnosis of a specified critical illness (such as certain cancers, triple artery bypass) - whichever occurs first. Check with your chosen insurance provider as to what illnesses are covered, as they can vary from insurer to insurer. If the policy is paid out before the end of the policy term, it ceases. And if the policy is in force at the end of the term, it will have no cash in value. If you are looking for mortgage life insurance, then do shop around and do not automatically accept the first quotation you get. Premiums as well as terms of the policy and other benefits can vary wildly from provider to provider and you could be surprised just how cheap mortgage life insurance can be, without any compromise on cover.

         
    The latest money saving group health insurance strategies for california employers

     

    1. Health Savings Accounts (HSA) This is a strategy where the employer buys a health plan with a large deductible. Typically, these are groups that are coming from a plan with a very low deductible. Since the higher deductible plans are usually much less money, the money saved is used to put into the employee's "Health Savings Account." The money in this account is used by the employee to pay qualified medical expenses. If it's not used, the money rolls over to the next year. The money belongs to the employee, even if they leave the company. 2. Health Reimbursement Arrangements (HRA) This is very similar to the HSA above but a portion of the qualified medical expenses not covered by the insurance is "pledged" by the employer, that is, the employer only spends the money, if there is a portion of the bill not paid by the insurance. This would be more favorable to the employer since on an HSA the money goes to the employee, whether there are claims or not. The problem with HRAs is that there are very few carriers that offer them right now. 3. Medical Reimbursement Accounts This is very similar to HRAs above and extremely flexible. It's otherwise known as partial self-funding. Employer buys a larger deductible and if the employee uses up that deductible, the employer pays all or a portion of it, depending on how a pre-arranged agreement is written. This goes for other expenses not paid by the insurance. The idea is that the employer self insures the typically smaller expenses with their own cash, (presumably, the savings in premium dollars from going to a higher deductible.) The downside to this is that many carriers prohibit the use of this strategy with their plans. It can be very effective but make sure you use an experienced third party administrator as there may be some legal and tax documentation required. Otherwise known as Section 105. 4. Kaiser. More and more groups are moving to Kaiser. It is typically, benefit for benefit, less money than just about every other plan. Kaiser is spending billions on the future and their quality control is promising. 5. Offering Blue Cross and Kaiser side by side. Blue Cross has a new program where only five employees need to enroll with Blue Cross. The rest can be with Kaiser. This is a ground breaking opportunity in flexibility. 6. Blue Cross Elect. Blue Cross has a portfolio called Elect with 16 plans in it comprised of HMOs, PPOs, and an EPO plan. Each of these plans is priced from low premiums up to a much higher premium. The beauty of this program is that Blue Cross allows the employer to "define" how much premium they are willing to pay towards an employee's cost. For example, Blue Cross offers a $10, $20, $25, $30, $35, and a $40 copay PPO plan. The $10 plan is the most expensive of this group. After viewing all of the premiums for the various plans, the employer can establish, arbitrarily, which plan they are willing to pay, say the employee only premium for. In this case, let's say it's the $25 copay plan. The employee can buy the $25 copay plan and it doesn't cost them anything. However, if they want the more expensive $10 copay plan, the employer would payroll deduct the difference in premium costs. Let's say they have dependents they want to cover but the employer only wants to pay for the employee only. The employee could take the lesser expensive $40 copay plan, and use a little bit of the savings to help them with the costs of adding their dependents. This has been a highly successful program because it gives the employees a greater number of choices, helping the employees be more definitive in their costs and needs, and at the same time, allows the employer to more efficiently define their costs. This information is time sensitive and can change at anytime. If you have a question or need more information, please contact me at [email protected] --Todd Rich Todd Rich is an expert on California Small Group Health Insurance Plans and has written four books on the subject. To learn more about Todd and his books, please visit TheStrategyGuide/ezines

         
    The life insurance policy and what you need to know before you buy

     

    Looking for a life insurance policy? Then, be careful... because life insurance is difficult to understand. It's easy to be conned into buying something under false pretenses. Recently a prominent life insurance company together with several of its agents paid a huge fine because it permitted the sale of a life insurance policy disguised as a retirement plan. Little attention was paid to what a life insurance policy is truly designed to provide. Life insurance is not an investment for your benefit. It's guaranteed income tax-free cash paid to someone you designate in the event of your death. If you deeply care for someone and want to protect them, then buying a life insurance policy makes sense. Are you the primary bread winner in your family? Well, your lost income could have horrible consequences and jeopardize the ability of those you love to continue to enjoy their standard of living. The only way to guarantee an immediate replacement of this money is with the intelligent purchase of a life insurance policy. Notice I didn't say term life insurance, low cost life insurance, or whole life insurance. Because to your loved ones... this doesn't really matter. Over the years I've delivered millions of dollars of life insurance benefit to the families of deceased bread winners. And no one has ever asked me what type of life insurance policy it was. They were just extremely grateful to get the money. Term is the cheapest, but it's unlikely the death benefit will be paid since the life insurance policy will probably lapse before you actually die. Right now the premium may seem cheap compared with other types. But what happens when you're older? Term life insurance premiums can be level for a specific number of years, but when that number of years is up the price will skyrocket to a point you won't be able or willing to pay. Whole life insurance provides a lifetime level premium until the policy is literally paid-up. This could be 10, 20 years ... or when you reach age 65, 85 or 100. One type of life insurance policy is not necessarily better than another. But it's critical you understand what you are buying, how it works and your net cost. After all, if the policy isn't in force when you die you have thrown your premium dollars right down a rat hole. By the way, don't fall for that line about buy term and invest the difference. Anyone who cons you with this bunch of malarkey doesn't have a clue how to intelligently evaluate the purchase of life insurance. You should consider universal life. This type of policy can guarantee the death benefit up to age 115... regardless of the performance of the underlying investment. Although more expensive then term life insurance, universal life is far less costly than a typical whole life insurance policy. But be careful because some universal life policies are sold by focusing on projected interest rates rather than contractual guarantees. If you are considering the purchase of a whole life insurance policy from a mutual company that declares annual dividends, ask the agent for a hypothetical illustration using a dividend forecast at least one percent less the current rate. In the past when long-term interest rates were higher, mutual companies credited very handsome dividends to their policies. But today with long-term rates still depressed, it's unlikely a life insurance policy will perform as illustrated. In summary, pay close attention to the guarantees of whatever life insurance policy you decide to buy. Also, make sure you know the credit rating of the life insurance company. There is nothing wrong with term life insurance, but understand your options about converting to a permanent plan. This could be critical if you become uninsurable before the policy expires. Remember... you may never get a second chance to make the right decision.

         
    The major task of insurance brokers

     

    Undoubtedly, the insurance industry has carved its niche in the business sector. More and more insurance companies have surfaced over time. Also, with the relative increase in the world’s population, the insurance industry has achieved a greater opportunity to heighten its popularity. Insurance companies specialize in a lot of fields such as health insurance, auto insurance, motorcycle insurance, life insurance, real estate insurance, and many more. To further disseminate the service they render to the public, insurance companies hire insurance brokers to handle the job. Who is an insurance broker? Insurance brokers or insurance agents act in behalf of their potential customers or those who act in the place of a principal. They handle all matters in the negotiation. In a selling business, when the agent acts in behalf of the buyer, the insurance broker is called a buyer agent. On the other hand, if the insurance broker acts in behalf of a seller, then he is termed as a seller agent. Moreover, an insurance broker is the representative of the insurance firm who tackles the selling of insurance policies to a number of third parties who are interested with the deal. No matter what role the insurance agent plays for, there still remains the fact that the insurance brokers are paid with an ample amount for his or her fee. An insurance broker may work full time as compensated with a fixed wage, a salary added with the rightful commission, or solely for a commission alone. Likewise, an insurance broker may work for various insurance firms based on his field of expertise. It is in the onset of the Insurance Brokers Act 1977 which highlighted the regulation of the term insurance broker. Such scheme had been designed to put a stop to the spurious custom of insurance companies who more than enough term themselves as insurance brokers when in fact they do merely act as representatives of even a chain of preferred insurance firms. The Real Score of a Broker Insurance brokerage basically covers general insurance forms such as autos, house, land, and so on. It is not much related to the field of life insurance although there are some firms who continuously adhere to such technique. Moreover, insurance broking is handled by a myriad of corporations which include telephone companies, web-based industries, traditional brokerages, and the chain of Independent Financial Advisers or IFAs. Why the need for an insurance policy? Regardless of the type of insurance policy which you as a potential buyer want to avail of, you cannot deny the fact that such insurance policies are important. You never know what may happen in the near future and if you would like to secure yourself and your loved ones, getting an insurance policy is the best option. Your life and your property can be insured. We all live in a world filled with uncertainty. There are numerous news outbreaks about the natural calamities such as hurricanes, earthquakes, and other deluges. Plus the fact that any moment problems may arise, make you lose your possessions and leave you broken in the end. Life is utterly precious so you’ve got to be rest assured that you and your loved ones are always on the safe side. Basic Responsibilities of an Insurance Broker It is the primary job of an insurance broker to attract potential customers and convince them to have themselves or their properties insured. As an insurance broker, it is also his task to collect the rate of the premium as the insured party issues the payment. Selling of various insurance policies whether it be for the home, for a vehicle, for medical or life needs and assisting the insured parties when it is time to claim their benefits during any disaster are among the basic responsibilities of an insurance broker.

         
     
         
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