Health Insurance is hard! It's expensive, hard to get with any kind of health condition, and every year it gets tougher.
However the news is not all bad. New health benefit plans are responding to the crisis:
100% Guaranteed Health Plans are available in every state now.
They cover hospitals, doctors, prescriptions, dental, vision, and emergency transportation, plus give you access to national PPOs, and lots more!
READ MORE HERE!
http://www.teamcorp.com/mkatz
READ MORE ABOUT WHAT TO DO IF YOU'VE BEEN DENIED INSURANCE ON MY WEBSITE:
http://www.247quoteus.com/highriskhealthinsurance.html
Friday, December 30, 2005
Sunday, December 11, 2005
Term Vs. Permanant Life Insurnace
O.K. now here's the big term vs. permanant life insurance debate.
1. Term life insurance is purchases for a time period. This period is usually 10, 20, or 30 years. The thought is that it is purchasing 'pure life insurance' for the period of time that a person will actually need it. This is usually the least expensive way to initially buy insurance - but does it work out cheaper in the long run? After the term, the consumer will have to renew the insurance at substantially higher rates because the client is older - if the client can renew at all. FOr young people to middle aged peole who are saving or investing, or who want to protect an asset that will be paid off (i.e. a home mortgage), term is probably a great solution.
2. Perm. Life insurance may be universal or whole life. For a given age and health status this insurance will have higher premiums than term, but the rates are usually given to last the life of the policyholder. So if a consumer buys a whole life policy at 40, he/she will pay the same premiums at the age of 80 - a much better deal than trying to find a term policy as a senior citizen!
Check out rates at
24/7 Quote US Insurance
1. Term life insurance is purchases for a time period. This period is usually 10, 20, or 30 years. The thought is that it is purchasing 'pure life insurance' for the period of time that a person will actually need it. This is usually the least expensive way to initially buy insurance - but does it work out cheaper in the long run? After the term, the consumer will have to renew the insurance at substantially higher rates because the client is older - if the client can renew at all. FOr young people to middle aged peole who are saving or investing, or who want to protect an asset that will be paid off (i.e. a home mortgage), term is probably a great solution.
2. Perm. Life insurance may be universal or whole life. For a given age and health status this insurance will have higher premiums than term, but the rates are usually given to last the life of the policyholder. So if a consumer buys a whole life policy at 40, he/she will pay the same premiums at the age of 80 - a much better deal than trying to find a term policy as a senior citizen!
Check out rates at
24/7 Quote US Insurance
Monday, December 05, 2005
Online Quotes or Not to Online Quote
Hi. Sorry Thanksgiving seemed to take a toll, but I'm back to work now.
I don't know why everybody doesn't do a little insurance shopping online. Even if you prefer to talk to an agent, it doesn't hurt to do some homework before you set an appointment. That way, you can have a good idea what product you are most interested in, and a good idea what your budget will allow.
If you're looking for health insurance, short term medical, student medical, life, auto, long term care, or homeowners insurance, a great place to start is:
247quoteus.com
The agent is licensed in Texas so some resources are specific to that state, but all types of insurance can be quoted there. Some products can even be purchased online. Saves one the trouble of an appointment with a GASP insurance salesman, doesn't it?
Hope you had a great turkey day!
I don't know why everybody doesn't do a little insurance shopping online. Even if you prefer to talk to an agent, it doesn't hurt to do some homework before you set an appointment. That way, you can have a good idea what product you are most interested in, and a good idea what your budget will allow.
If you're looking for health insurance, short term medical, student medical, life, auto, long term care, or homeowners insurance, a great place to start is:
247quoteus.com
The agent is licensed in Texas so some resources are specific to that state, but all types of insurance can be quoted there. Some products can even be purchased online. Saves one the trouble of an appointment with a GASP insurance salesman, doesn't it?
Hope you had a great turkey day!
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