Recent Articles
Variable Life Insurance
Variable Life Insurance is a special type of a Permanent Life Insurance policy in which both the death benefit and the cash value depend on the investment performance of the underlying assets, usually one or two investment accounts known as “separate accounts” (or “sub-accounts”) within the insurance company’s portfolio. Sub-accounts are organized as special trusts [...]
Tips on Choosing a Life Insurance Provider
Have you ever thought what would happen to your family or your dependents if you die? Whether you are the primary breadwinner, or the one who takes care of children for the most part, your investment in the family life and well being is invaluable. However this investment can be insured. Life Insurance gives you [...]
HIV and Insurance
To meet the demands of the public and to correspond with the contemporary medical statistics, insurance industry now begins to offer more adequate insurance services to HIV-positive US residents. Fortunately, it has become possible to extend the lives of individuals with HIV thanks to the increasing effectiveness of AIDS medication, introduction of the highly active [...]
All About Premiums And Deductibles
Premiums, deductibles, copayments — what do all these terms mean? Without knowing what each one refers to, it’s hard to get a sense of the true cost of your health insurance policy. The best way to make sense of health insurance? Work with an expert agent. Get matched with agents and find your plan… [...]
Choosing A Primary Care Physician
In most managed care plans, you’ll have to choose a primary care physician when you enroll. Your primary care physician is the doctor you’ll see on a regular basis, so it’s important to find the right one for you. Don’t have a health plan yet? Let our network of insurance agents find one for you. [...]
Four Tips To Save Money On Healthcare
Healthcare isn’t a luxury — it’s a necessity. But you shouldn’t pay an arm and a leg for it. Here are 4 ways to help you save money on your healthcare bills. Save Money When You Compare Quotes… Practice healthy living. One of the easiest ways to lower your medical expenses over the long term [...]
PPO Plans Explained
You’d like to get flexible and comprehensive health coverage. Do you also like saving money? PPO plans may be the right health insurance choice for you. Preferred Provider Organizations — or PPOs — are networks of doctors, hospitals, and other healthcare providers. The health plans associated with PPOs save you money when you use a [...]
HMOs Explained
You’re looking for the right health insurance plan. And you’ve got your budget in mind. Turns out, one of the most common healthcare plans is also one of the most affordable: Health Maintenance Organizations, or HMOs. HMOs were created to lower your healthcare costs. Their large risk pools and pre-negotiated fees make it possible [...]
Health Savings Accounts (HSA) Explained
Even when you have health insurance, getting care can still be expensive. Wish there was a way to take the sting out of your out-of-pocket costs? There is. It’s called the Health Savings Account, and it’s a great way to pay for healthcare and save money at the same time. A health savings account is [...]
Fee For Service Plans Explained
Among all the plans available today, Fee For Service coverage gives you the greatest choice of doctors, surgeons, hospitals or clinics. You won’t have to wait for treatment in a medical emergency or unexpected illness. And you never need a referral or pre-approval. Sounds great, right? The downside is that this kind of coverage can [...]