Written by admin on 01 September 2010
You cannot be sure that you’ve gotten the best health insurance coverage unless you understand health insurance terminology. Here are some of the most commonly used terms in the health insurance industry.
COBRA: The Act that allows for continuation of group coverage for a limited time after you leave the group.
Co-insurance: The amount you must pay for treatment after copayments and deductibles.
Copayment: The fixed amount that you must pay out-of-pocket for physician visits, medical procedures and prescription medications.
Deductible: The out-of-pocket amount you must pay before your policy benefits start kicking in.
Exclusions: Any medical conditions or illnesses whose expenses are not covered by your insurance policy.
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Tags: health insurance, insurance
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Written by admin on 01 September 2010
Whole (or permanent) life insurance policies are more than meet the eye. Sure they offer a death benefit that caries through the rest of your life as long as you pay your premium and keep the policy in force, but more than that they offer an additional benefit of premiums accruing into something called cash values. These cash values can grow in a few different ways:
- They can grow at a fixed rate like in a traditional whole life policy.
- They can grow at a variable rate by choosing a sub account to invest them in. Sub accounts in a variable policy may have fixed investments like money markets, they may have stocks, bonds or mutual funds.
- They can grow at a variable rate tracking the returns of a specific index-like the S&P 500 or the Dow Jones Industrial Average.
The third kind of growth is seen in an equity indexed life insurance policy. When you have an equity indexed life insurance policy, your cash values grow as they would in a variable policy but the sub account you choose is created to mimic the performance of a particular index. If that index goes up, then your cash value will likely go up. But if the index goes down, then so will your cash value.
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Tags: life insurance
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Written by admin on 31 August 2010
Do not ship something that is not on the perfect Stationary. Cards are an artwork form. It would seem like a foolish or stuck-up factor to say, but it’s true! That is why we at InvitationBox search to put top-of-the-line invitations, Cards and stationary in your fingers, with out exception. We’ve been within the enterprise of offering the best paper products for over a decade. That’s not ‘quality’ paper merchandise, not ‘traditional’ paper merchandise, but the absolute finest. It doesn’t matter what you is more likely to be in search of, we will present it. Don’t rely on the gimmicks of the big brands when a heartfelt message can be given. We see to it that the perfect are supplied, and nothing else! Because of Cards are artwork, they require care and thought, and we wish to make it simpler to with that! Most people do not hassle to put in the further little little bit of effort, and whereas they will not notice it, it does show. Take the additional step and current your loved ones you care! They will love you for it and you gained’t regret it–especially when it really saves you time! We produce the finest Observe Cards for all your purposes! Use a terrific rubber Stamper for your entire customization needs. Do not skimp on high quality to avoid wasting a buck. It’s the little issues that catch eyes and turn heads.
Tags: business, cards, invitation
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Written by admin on 30 August 2010
COBRA is the acronym for a health insurance portability act signed into law during the 1990′s. Thanks to COBRA, if you leave an employer who is providing your group health insurance coverage, you can keep the coverage for 18-36 months even though you no longer really qualify for the group coverage since you are not a member of the group. COBRA is a great benefit to many people-but not every employee who leaves an employer with group benefits should take advantage of COBRA coverage.
COBRA coverage is extremely expensive. If you are someone in relatively good health, who rarely goes to the doctor and has no pre-existing conditions, then COBRA coverage might not be the best use of your financial resources. Instead, you could search for low cost health insurance on an individual basis and get your own policy, not hinged on group participation, that can cover you for a fraction of the cost of a COBRA policy.
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Tags: health insurance
Posted in Finance & Insurance | 5 Comments »
Written by admin on 26 August 2010
Back in the day, taking your time to compare the offers from different insurance companies in order to get an adequate and cheap coverage for your car was quite hard and exhaustive. There was no Internet, no online quote sites and in order to get all the information you need, you had to go to agents and contact the insurance companies one by one. You had to call the representatives or go to the office in order to get a single quote for your car, and shopping around meant that you had to repeat this over and over until you get enough quotes in order to compare them. And if you needed to renew or modify your policy by adding some clauses you had to go to the office again and again. It’s evident that it all required a lot of time, patience and money, of course.
These days it’s much easier thanks to the Internet. There’s no need to call the agents or go to insurance company offices. All the information you need can be accessed from your home or job and it takes only a few minutes to get numerous quotes from companies working in your area. You can even modify and renew your policy online these days as more and more serious insurance companies are entering the web and providing the full range of their services online.
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Tags: auto insurance, cheap insurance
Posted in Finance & Insurance | 8 Comments »
