Archive for the ‘group insurance’ Category
Fire Insurance
You should never put off something as important as buying fire insurance.
Duration : 1 min 40 sec
Group Homes- I Gotta
Group Homes I Gotta
Southside
www.whatsdamove.net
Duration : 4 min 56 sec
Minimizing your Car Insurance
Decision! Decision! Decision! We all make them! Every aspect of our live requires a sound decision-making for it is a keystone of a successful life. And decision-making, I believe, is like sending a text message. It takes time! You must think really hard and consider all alternatives before making a move. Like in thinking how to lower your car insurance, you need to be wise and take more time in considering these fifteen ways to attain your goal.
Comparing things really counts. By shopping around, you can get a better list of quality materials and the prices to compare. Insurance companies arrive at a price for your car insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has each own rules to what they consider should increase or decrease your premium.
Your choice of a vehicle also takes into account. Thousands of different cars on the road were divided into groups and most companies had adopted the ABI (Association of British Insurers) group rating, which splits up vehicles into twenty different groups. So the higher the group rating for your vehicle, the higher your premium will be. Another thing is, to get a better idea of how high the risk is. Some companies combine your driving experience with the vehicle group. Thus, young driver should consider buying a lower group car if they want to lower their insurance cost.
A Third Party Only insurance policy is the minimum amount of cover legally required, so you should consider opting for this type of policy especially if your vehicle is of low value. In the unfortunate event of having an accident, any damage to a third party vehicle will be covered, but any damage to your vehicle is not. So logically, if you vehicle is of little value, you may not be too concerned because it may not be worth paying extra for Fully Comprehensive policy in these circumstances.
Another way is to buy on the web. By purchasing your insurance over the web, you are not requiring telesales agent time and incurring free-phone costs, thus, saving the company expense. This is the reason why many insurance providers now offer some good discounts for buying the policy over the internet. If you got prices through telephone, you can check it again over their web site and you may be surprised at how much cheaper it will be.
Next, maintain a good credit rating. As part of the over-all calculation of your car insurance premium, many insurance companies are adopting credit scoring techniques. So, by keeping a good credit history, you may avoid additional premium that companies add to your price for having a bad credit score.
You will be asked how much voluntary excess you want to have during the quotation process. Insurance companies will generally include a compulsory excess amount on the policy, but will give the opportunity to increase this if you wish. Having a higher voluntary excess can lower your premium. However, in the event of claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.
During the insurance quotation process, the value of the vehicle is being asked and people often state an amount that is unrealistic and above the real value of the car. They do this because they believe that this is what they will get back from the insurance company in the event of a claim. But you should be realistic about the value of your car because the company will only pay out the worth of the car at the time of the claim and not what you stated for the quote. In fact, by giving unrealistic value, you can increase your car insurance premium, as this is often a factor affecting your final price.
Keep a clean driving record. Sounds easier than done, isn’t it? But you can really avoid being penalized by increases in your car insurance premium by having few or preferably no driving convictions. Insurance company take very seriously all driving convictions and it is usually an important part of their rating process. Getting caught with a driving conviction could increase the cost of your insurance, so it really pays to be a safe driver.
The same as the above, the biggest factor affecting the cost of your car insurance premium is how many number No Claims Bonus Year you have. Generally, Full no Claim Bonus is considered by most companies within five years or more and this can give you huge discounts which is in some cases, raised up to 75%. Avoiding potential road accident claims can continually build up your number of claim free year. Every additional No Claim Bonus year you get, the lower your car insurance cost will be. To protect your No Claim Bonus, some companies give the client option of paying a bit more on the premium.
Your annual travel expenses per mile can also affect your car insurance premium. The more miles you do, the higher your premium is likely to be. Quotation system and telephone agents will often suggest an amount of miles for you. Try and work out how many miles you will genuinely do because it may be lesser than the amount suggested. But it doesn’t mean that you will not be honest in answering this and other questions.
Remove unnecessary named drivers because additional drivers on your policy usually mean a higher premium. By only naming drivers on the policy that will definitely drive the car, you can lower the final cost. If you find that an unnamed driver needs to drive the vehicle, most companies allow you to temporarily add a new driver for a small cost.
Although taking an advance driving test is not compulsory, it has an advantage. Aside from the fact that it can improve your driving skills, it can also help you lower you car insurance premium. Because advanced test shows commitment to safe driving and it lowers the chance of having a monitoring accident. Some companies look favorably on people who have taken this.
Next, improve your security. Most of the companies take into consideration for having a better security of your vehicle. An alarm and immobilizer will usually attract a discount, and a tracker device installed can give you a bigger reduction. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.
Instead of paying your premium by installment, pay it in one time. This will let you avoid being charged with additional interest. The interest charges may be quite significant, so if your finances allow, have some good amount of money to pay for the whole. Some companies may even give you a discount for doing this.
And the last and most dramatic way of lowering your premium is to get married. A number of insurance companies offer lower premiums when your named drives are insured and spouse as opposed to two unmarried drivers. Companies believe that this shows an element of stability which is the hallmark of safer drivers. Insurance companies will give discounts on this basis.
Yes, your decision could really affect things in your life, so as lowering your car insurance. A question like, “Would I prefer to be a safe driver or not?”, may actually affect your premium. But bear in mind that you should also value life more than anything else. Like throwing a pebble in the pond, it creates ripples once it touches the surface of the water, thus, affecting everything.
Roxel Pudol
http://www.articlesbase.com/insurance-articles/minimizing-your-car-insurance-90140.html
Car InsuranceFamily Health Insurance – For The Self-Employed
One of the biggest challenges faced by the self-employed population is the procurement of health insurance. Getting health insurance is a costly affair although you can utilize one of the existent methods of getting around the costs.
The best ways to get a health insurance in an inexpensive manner is for one partner to continue working at his or her regular job while the other manages the affairs of their business. Premiums for family health insurance are quite reasonable if you are holding a job. It also depends on employers’ contributions and their ability to offer a group rate. Either way, it turns out to be less expensive than purchasing two health insurance policies.
If you have already purchased a good policy, retain it for sometime after you leave you regular job to become self-employed. According to the COBRA act of 1986, you are entitled to the usual group rates, devoid of the contribution of your previous employer, for one year and six months after leaving your job. However, this law won’t protect you if you are fired from a company or if you have worked for an company that hires less than twenty people.
If you are single parent as well as self-employed, you will be happy to know that you are not on your own. You can join a good organization for the self-employed. Such organizations combine the resources of their members to get good group rates. These rates are not be as good as a large company might be able to afford, but you can save quite a bit when compared to the premiums you will have to pay as a single parent who wants a policy to cover the entire family.
Several people would rather not have an insurance policy. But as a single parent or an expecting mother, you will be forced to visit the family physician often. In this case, you could also go in for a health savings account or a supplementary health insurance to help you cover the costs.
Some states make available public assistance to cover basic health care in case of children. As a self-employed individual, unfortunately, you might not be able to avail of this service. In any case, determine about the availablity of such a program in your state and find out if you can avail of it.
You have to carefully consider the costs involved if you want to start a family and become self-employed at the same time. During the initial phase of being self-employed, health insurance could be the largest expense you will have to tackle.
Abhishek Agarwal
http://www.articlesbase.com/careers-articles/family-health-insurance-for-the-selfemployed-703046.html
Polaris Media Group – Success and Motivation
Polaris Media Group's mission is to help men and women achieve success and gain financial independence by providing effective educational materials and events that enhance self confidence and grow self reliance.
Duration : 53 sec
How you Can Save Up to 47% on your Health Insurance, Right Now
Do Not Read This Unless You are Making a lot of Money!:
If you would like to know how you can save up to 47% on your current Health Insurance Coverage read on… this is going to be one of the most informative messages you will ever read. After reading this message you will never going to have words; expensive and health insurance in the same sentence.
As you already know health insurance costs are at highest they have ever been and there is no sign of them slowing down. More and more Americans are forced to cancel their coverage simply just because they cannot afford it.
Who are the uninsured?
• Approximately 46 million Americans, or 15.7 percent of the population, were without health insurance in 2004 (the latest government data available).
• The number of uninsured rose 800,000 between 2003 and 2004 and has increased by 6 million since 2000.
• The increase in the number of uninsured in 2004 was focused among working age adults. The percentage of working adults (18 to 64) who had no health coverage climbed from 18.6 percent in 2003 to 19.0 percent in 2004. An increase of over 750,000 in 2004.
• Nearly 82 million people – about one-third of the population below the age of 65 spent a portion of either 2002 or 2003 without health coverage.
• The number of uninsured children in 2004 was 8.3 million – or 11.2 percent of all children in the U.S. (1).
You might say that I have great coverage that I am happy with… that’s totally fine.
For past sever years average rate increase for health insurance was 16.2% and what if it keeps on going? If you are right now paying $500 per month for your health insurance in three years from now you would expect to pay over $780 for the same plan. Wait… we all know that insurance companies consistently decrease their benefits and increase co-pays and deductible. Therefore you will pay more for less coverage. By the way if you keep same plan for over five years you will pay over $1000 a month just for your medical coverage. What if you use your Health Insurance?… Chances are if it is not for a regular doctor visits or a check ups it would be considered pre-existing condition. That means your chances of changing to a more affordable coverage in the future will be nearly impossible. That is one of the main reasons people cancel their health insurance because they were diagnosed with something or taking a prescription medication and the insurance company kept raising their rate until they could not qualify for any other coverage and could not afford the one they had.
Now you are saying I do not need coverage my spouse works for a company and I have group coverage… Great.
What would happen if your spouse left that job or the company stopped providing benefits? Probably the most obvious things that you can see how much that group coverage is really costing you. Next time check how much is deducted out of the paycheck for health coverage, especially for dependents. Group plans do cost more money because by law they are what are called “guaranteed issue”. That means you can have serious medical conditions and still get coverage. Insurance companies have to follow the law and they know they have to accept everyone who works for a large company, therefore they do charge more money for coverage. The biggest problem is not the cost of group health insurance it is what happens if some one, while on the group plan, is diagnosed with a condition or starts to take prescriptions medications. We get back to same issues as mentioned before, unable to qualify for health insurance in the future. There are people that want to leave their job but they cannot because they are going through treatment and cannot to pay for it on their own.
There is another solution… Some might save, so what is the point of even having health insurance. Once you diagnosed with something and insurance company is going to keep raising rates to the point where I am going to have to cancel it anyway. Especially if something does happen and I have to use my coverage I might not be working and I might not have income. Is my insurance company is still going to keep raising my rates? YES.
Before you think about cancelling your coverage consider this. Here are some statistics
• A recent study by Harvard University researchers found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses. Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health problem.
• Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs.
• Average day in the hospital is $7500 per day.
How can you save up to 47% on your health insurance? Simple… You probably already heard of Health Saving Accounts. They are becoming more and more popular everyday. With the way health insurance prices are moving today Health Saving Accounts are the only way to keep your coverage, save hundreds per month on your health insurance and still have a peace of mind.
To this day I was not able to hear a good definition that everyone can understand. I will do everything I can to make it simple to understand. The easiest way to understand Health Saving Accounts is to think of them as Roth IRA or your Company’s 401k plan. Instead of giving your money away to insurance company you get to keep it more of it for yourself. The way HSA plans work is there health insurance combined with savings account which works in a similar way to your retirement account. There tremendous benefits to have HSA qualified health plan. First all the money that you put in to your HSA account is 100% tax deductible and it is your money that rolls over year after year. At the age of 65 and up if you have not used up all of your HSA money you can roll it over in to your retirement account. Second your health insurance costs are going to be cut almost in half. For example if you had Health Insurance plan with $2500 deductible now and it is costing you $300 per month the same plans with HSA qualified plan, now will cost you only about $160 per month. The reason you save so much money with HSA qualified health plan is because HSA qualified plans do not cover anything until the deductible is met. There are exceptions depending on the Health Insurance Company. Some insurance companies will pay for your once a year physical before you meet your deductible.
Let take an example of how HSA qualified plan could benefit you. Let take some actual numbers from actual health insurance company. In this example I am going to use HSA plans from company called Assurant Health. Assurant Health is leader in Health Saving Accounts and they one of the first companies to implement them. The main reason is that Assurant Health is part of the world’s largest financial company that sets up retirement accounts. In this example I am going to use a family of four, husband 46, wife 42, kids are 12 and 16. On a regular family plan with $2500 deductible, maximum out of pocket of $5500, co-insurance of 80% and doctor visits covered with $35 co-pay, they are going to pay $676.40. Something to keep in mind that all of the regular PPO plans that are available on the market today have family deductible which is double of individual deductible. That means that if you have a plan with $2500 deductible and $5500 maximum out of pocket that means that your family deductible is $5000 and your family maximum out of pocket is $11,000. When we are comparing HSA qualified health plans there is only one deductible, once you meet it you are covered at 100% on the most plans. There are some companies and plans that you still might be responsible for the percent age of the bill until you reach your maximum out of pocket. Most HSA plans do not have maximum out of pocket that meant once you met your deductible you are covered at 100%, it’s that simple. The same plan with $5700 deductible for the entire family with HSA qualified health plans will only be $491.64 per month. For the total monthly savings of 184.76 per month. Also your maximum out of pocket will decrease from $11,000 on a regular plan to $5700 with HSA health plan. That’s yearly savings of $2,217.12 and additional savings of $5300 on the maximum out of pocket. (that’s if you have had to use the plan for emergencies) The main reason for starting HSA health insurance is for Saving Account and being able to put money in to account, at your discretion, tax free. You can put money in to HSA qualified account up to your deductible and you do not have to put any money in to that account if you do not want to. Health Saving Accounts are as flexible as you would want them to be. TO get more information on HSA accounts and get quotes for HSA qualified health coverage see my bio.
Dennis Alexander
http://www.articlesbase.com/finance-articles/how-you-can-save-up-to-47-on-your-health-insurance-right-now-110110.html
Birthday Insurance
Receive a check on your birthdsy for the rest of your LIFE!!
Duration : 5 min 7 sec
Low-cost Florida Health Insurance Scarce – Health Insurance Higher Than Minimum Wage
Florida residents who can afford health insurance pay an average of $11,480 per year for family coverage, which is about what the average minimum-wage earner brings home. Premiums are up 87% according to Kaiser Family Foundation. The days of “low-cost” health insurance are all but gone unless you have help from a professional insurance consultant.
The cost of caring for “disease” continues to rise faster than inflation according to an article this month in Newsweek magazine. It said “over 47 million Americans don’t have health insurance at all”. Those with low-cost health insurance usually get these from employers, but with costs rising, it is obvious that the health insurance situation in Florida is getting worse.
Taking care of employees is the primary concern of a good employer. But that has been perceived as “expensive” by some companies as it means providing the employee with vacations, bonuses, incentive pay, and of course, health insurance coverage. In the future, Florida businesses may be able to offer low-cost health insurance to residents who are willing to make a few changes in lifestyle.
The New England Journal of Medicine published a major study on health insurance recently that said low cost insurance rates may be made available to those willing to go through a certified “health risk assessment”. These health risk managers look at your lifestyle, and your current state of health, and certify that the person is “healthy” and a “low-risk” which can qualify the applicant for lower insurance rates. The only other way to get low-cost health insurance in Florida is to get it from your employer as part of their group health insurance plan.
There are many health insurance consultants out there who can help Floridians find low-cost insurance, such as Florida Health Insurance Web – www.FloridaHealthInsuranceWeb.com – insurance consultant, Morgan Moran said, “Change a few things about your lifestyle, and lower rates could be available”. The insurance industry believes, most people would change a few things to get lower insurance rates, and assure living a longer happier life. These changes may include a better diet, more exercise, and less high risk behavior like “skydiving” or “bungee jumping”. Until now, insurance plans rarely took behavior into account.
Many Floridians are looking for a quick fix. If they can take a pill or have a stint plugged into their heart they would, rather than change their lifestyle, after all, it does sound easier. The New England Journal confirmed what other research showed— that angioplasties and stints don’t prolong life and don’t even prevent heart attacks, yet $30 billion was spent on those last year. Mutual of Omaha found that almost 76% percent of people eligible for angioplasty or heart bypass surgery were able to “safely avoid it by making the comprehensive lifestyle changes”, saving almost $30,000 per person. It is plain to see that changing lifestyle is more cost effective than surgery.
Low-Cost Insurance Consultation
In an effort to find affordable health insurance rates, many are turning to health insurance consultants for help. In a phone interview, consultant Morgan Moran said, “The best way to find affordable, low-cost health insurance is to have an employer-sponsored group health insurance plan.” Group health insurance plans are the most affordable, low cost health insurance plans out there, aside from state-sponsored health insurance plans. If you can obtain health insurance from your employer, you will pay even less for your health insurance than you would if you purchased a group health insurance plan on your own.
Most employers have certain requirements an employee must meet before he or she can be a part of the employer-sponsored group health insurance plan. These requirements range from the number of hours the employee works, to the employee’s status, i.e., whether the employee works full-time or part-time. Employers sometimes have time requirements as well. This means the employee must be with the company for a certain amount of time before he or she is considered eligible for the employer-sponsored group health insurance plan.
Employer-sponsored group health insurance plans are usually the most affordable, low cost health insurance plans for a variety of reasons. If you have an employer-sponsored group health insurance plan, the health insurance premiums are either divided between you and your employer, or paid completely by your employer. This means one of two things. Either you are required to pay half of the health insurance premiums plus a low cost co-payment or you are only required to pay an affordable co-payment.
Employer-sponsored group health insurance plans like this have become even more affordable and low cost when you factor in your spouse and children. Rather than purchase individual health insurance policies for each of your family members, or pay out-of-pocket for health care costs, you can add your spouse and your children to your employer-sponsored group health insurance plan.
Rates on health insurance policies change daily, and vary from carrier to carrier so it’s a good idea to speak to a consultant like Moran. Their fees are paid by the carrier without passing the cost along to the consumer. Find out more at www.FloridaHealthInsuranceWeb.com
Zane Durant
http://www.articlesbase.com/insurance-articles/lowcost-florida-health-insurance-scarce-health-insurance-higher-than-minimum-wage-134985.html
Rusnak Auto Group – License Plate
Another "Rusnak Auto Group" commercial directed by Rick Ojeda and produced by Hu-Man Element Productions. For more information about us, check out our profile page and visit our website at www.Hu-ManElement.com
Duration : 30 sec