Archive for March, 2009
Health Care reform through back room deals?
The Washington Post reports on an effort to get Health Care reform through the reconcilliation process. Whether you and I would consider this positive or negative cannot be determined as yet (well unless one considers the process being used to get it though as an indication). It seems likely that this, if handled this way, [...]
Which is better, Blue Cross or Blue Shield – and what’s the difference?
In many states, Blue Cross and Blue Shield seems to be the same company. In California, Blue Shield and Blue Cross are not the same company. Why?
Neither Blue Cross nor Blue Shield are “Insurance Companies”, but insurance companies license to do business under those names. Blue Cross Blue Shield Association may license one insurance company [...]
What is Final Expense Insurance & How Much Should You Have?
In the very simplest terms, final expense insurance is life insurance. Usually, but not always, it is Whole Life insurance. However, although technically what I just told you, it really is different. How so?
The paying of death benefits can take, in most states, up to six months. This does not mean it does take six [...]
The “rules” in insurance planning are quickly changing …
We sometimes get caught up in “the best way” of doing something. We determine the “best way” by taking into consideration facts and evaluating against choices. But sometimes we forget, “facts” change.
There is a need to re-evaluate as facts change. This can be the “facts” of our own lives, or it could be external “facts” [...]
Term Life Insurance and the Aging of America
With the aging of the “Baby Boomer” generation, some “facts” we came to take for granted need to be re-examined.
Many of us, myself included, were part of the generation of insurance agents who encouraged the purchase of (less expensive) term life insurance and “invest the difference”. People were spending a lot of money and [...]
