Insurance Newswatch
Medicare Part B premiums to be unchanged in 2009
AP Online -
Sept. 22: Washington - The monthly premium for the vast majority of the elderly and disabled participating in Medicare will hold steady at $96.40 next year. It’s the first time since 2000 that the charge for health coverage is not increasing.
Premiums usually go up to reflect higher costs and demand for care projected [...]
Small companies can save like the big ones …
Many, if not most, large companies self-insure or partially self-insure their companies health plans.
Did you know that even small companies can do this? Here are some of the benefits:
Plan design is mostly up to the employer.
It is not a major concern what the total potential exposure is, as you can still insure the company against [...]
Keep your health plans from bankrupting the company.
If you own a company¹ and provide health care coverage for your employees, how can you choose good coverage, and yet not send your company to the poorhouse?
Have you ever considered a Health Savings Account-qualified plan? In recent years, many companies have moved to HSA’s to save money. This is a good thing, but what [...]
Helping to avoid having medical expenses bankrupt you.
The news media informs us that many bankruptcies are a direct result of unexpected medical bills. Interestingly, those most often experiencing this tragedy are people that many consider financially ”well off” or in good occupations (and working!).
Three groups less likely to be affected by unexpected medical expense tragedy:
The very rich.
The very poor.
The employed where the company provides good group medical insurance.*
What [...]
But what do I get out of term life insurance .. ?
You don’t usually think of Term Life Insurance as a retirement tool. We generally speak of this
as a means of having adequate protection during the raise-the-children years, or perhaps as a
tool for business, buy-sell agreements etc.
One of the downsides to term insurance is, … well, it’s for a term. Ten years, twenty years,
some fixed number [...]
What can I do for you?
Friends,
There are a lot of insurance agencies with websites up. All of them can and will sell you insurance. Why should you do business with me?
Let me tell you a little about myself. I kind of fell into this business. I was a project manager for a small to midsize General Contractor in Stockton CA. [...]
College Planning …
Life insurance can be, and should be, an integral part of college planning. Life insurance may make possible, that which a person desires for children - whether or not they are still living to make it happen.
One of the biggest problems in doing this, can be money. “So, if I put money away for my [...]
So … what’s important to you?
As an agent, I get an incredible amount of email regarding legislation, proposed legislation, and people trying to get legislation introduced that will affect the cost of health insurance that you and I pay for!
The only thing clear to me is that nothing is clear. It seems to me that few of these people even [...]
Why buy health insurance …
In three short words: To Save Money.
What? Save money? But it costs me money.
Yes, but it also saves money. How so?
By being involved in a purchasing pool, sometimes the savings are really truly huge. Sometimes they are just ordinary … not enough to mention. But did I mention sometimes the savings are huge?
And we do [...]
War Risk Coverage
Take the case of…
the International Engineering Firm. Having won a bid for a design and building project in Iraq was great news for the firm, but not such great news for the HR and Risk Management Departments.
They had to scramble to find replacement coverage for the Group Life, LTD, AD&D, Medical, and Kidnap & Ransom [...]
