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Group health insurance rates have been increasing year after year and employers have been forced to make some drastic changes in their employee benefit programs. Many employers have changed their health insurance to high deductible plans. Dental Insurance has been discontinued by some companies as well as vision care. Disability programs have been trimmed down … Read more
Many people mistakenly assume that all their dental needs are covered by their health insurance plans. While many health insurance plans most notably HMOs may offer some dental coverage, most of your dental needs won’t be covered by the typical health insurance plan. In fact, you may even find that a dental insurance plan only … Read more
When it comes to taking out UK mortgage protection insurance then you have to study it very carefully if you want to ensure that it will do the jobs it’s intended to do otherwise you could not only waste your money on a policy that is not worth the paper it is written on, but … Read more
Health care costs have continued to skyrocket and every politician, business owner and employee is trying to find ways to cut costs. The recent Buying Trends Study, released by the National Association of Health Underwriters and ChapterHouse LLC, shows that nearly 90 percent of insurance agents and brokers predict that the health insurance market will … Read more
Many student travellers overlook insurance, but it can be tremendously important, providing peace of mind for you and your family back home. Student Travel Insurance offers you a solace when you’ve planned to travel abroad. Most policies provide insurance cover for your baggage, medical expenses and cancellation, making sure you have the help you need … Read more
Health insurance is increasingly important. With the rate at which medical expenses have continued to rise over previous years, and the reductions in government funded health care programs, being without health insurance is less an option today than ever. Many young people have never had to think about health insurance as their parents have always … Read more
If you are going away to college or university then it’s important of course that you are able to travel back home to see friends and family. However younger people are well known for being targeted for high car insurance premiums, which can make freedom of travelling very hard. Saving money it what it’s all … Read more
What is a Structured Settlement? A Structured Settlement is a Settlement in which you receive “Structured” payments on a regular basis. In other words, it is a payment plan, in which, instead of getting a large lump sum, you receive smaller payments in increments. These increments go on weekly, monthly or yearly cycles. These settlements … Read more
For insurance companies, deciding how much to charge any given individual for life cover is all about calculating the level of risk involved in insuring them. Insurance companies assess this risk by taking medical histories and collecting information about lifestyles, physical health and other factors. Looking after your health, therefore, is one of the best … Read more
Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them is, “If you’re in the business of selling insurance you’ll have a hard time succeeding because NO ONE … Read more