Health Insurance costs continue to rise. The recent national debate on health insurance was ostensibly to lower costs. Many in the industry spoke loud that the proposals being put forward would raise premiums faster than ever before. Even though the full impact of this is not yet felt, underlying pressure on costs has begun in [...]

9/1/2010 7:14:05 AM

In a word: No! However, even though that is true, for many Accident Insurance provides them needed protection when Work Comp Insurance is simply not an option for them. Many self-employed individuals do opt out of Work Comp for themselves. Why do they choose to do this? Its because 1) it is expensive and 2) [...]

8/25/2010 12:12:41 PM

What can be done about it now? There are five scenarios in which Medicare Advantage members may disenroll from their plan. Scenario #1 If you are disenrolled from an MA plan because the plan is leaving Medicare, stops giving care in their area, or the customer moves out of the plan’s service area, you are [...]

8/23/2010 2:00:18 PM

If you have recently been laid off, you may have been offered COBRA. COBRA provides insurance while a person is in between jobs. If you can afford it, you should purchase your COBRA offering, or buy permanent individual health insurance (I can help you with this). However, if you cannot afford to pay for COBRA, [...]

8/23/2010 1:03:12 PM

I have talked some about becoming your own banker. This is called The Infinite Banking Concept. This concept requires a shift in mindset. This is because we have all been conditioned to borrowing money. But think about the advantages, 1) no debt, 2) money for retirement, 3) an automatic (and growing) estate, 4) a real [...]

8/9/2010 9:00:40 AM

With recent rate hikes on individual and group insurance plans, many experts are recommending that consumers shop around as many commonly do with auto insurance. For instance, California Insurance Commissioner Steve Poizner, in a recent statement said, “As a consumer you need to shop around. A different provider may prove to be a better value [...]

8/6/2010 9:25:07 AM

Do you know what the potential difference is in spendable income during one’s retirement depending on whether a person has used a bank CD, a 401K, an annuity from an insurance company or even life insurance? What about the difference between paying taxes now on a small amount saved and not paying later on a [...]

8/5/2010 5:59:29 PM

Is your retirement money in the hands of your stock broker or otherwise dependent on the stock market? I’d like you to consider this … The amount of risk the stock market poses is not static. When you select a portfolio that represents a certain amount of risk which should be in line with your [...]

7/23/2010 5:40:23 PM

Although not actually correct, I am going to include the so-called “Medicare Advantage” plans in this discussion. Technically, Medicare Advantage Plans (Plan C) is not a Medicare Supplement – it is a Medicare and Medicare Supplement alternative. But you only care about what is the best choice, so I will be referring to them in [...]

7/13/2010 10:21:59 AM

Over the thirty years or so I have been working in sales, I have seen sales gurus come and go. Their advice sometimes has merit, sometimes it simply does not. Some are genuinely interested in helping others in sales learn what it is people want and need. Others just like the sound of their own [...]

7/13/2010 10:20:28 AM