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‘Young Invincibles’: Their role in health care reform

If you are between the ages of 19 and 29, a generally healthy individual and unconcerned about what could medically befall you in the future, thus, you go about your merry way without insurance, then you belong to this group of people called the “young invincibles”. Let’s make a clarification: ...

Student Health Insurance

Simply put, student health insurance is a type of health insurance that is designed specifically to meet the health and medical needs of students. It is usually offered as a group benefit and is generally more inexpensive than traditional health insurance coverage availed of by adults and the working-class. You ...

Long Term Care Insurance

The daily activities of life, while significant and worthwhile, are often taken for granted by many. Until tragedy, or old age, strikes and then we are faced with having to rely on other people for help with even the most menial tasks. Long term care insurance proves to be helpful with providing for ...

Health insurance scams

Health insurance scams The recent economic downturn, rising unemployment rates and skyrocketing health coverage premiums have set the stage for unscrupulous individuals and companies. They prey on the helpless, despairing, ‘pushed-to-the-limit’ populace and the results are depressing at the least ...

Health Insurance Mistakes to Avoid

In these tough financial times, the primary concern for many is to find ways to save money. What’s equally, if not more important is to find sufficient health care coverage. So many people are walking around with inadequate health insurance, and even more are going without it. Some think it’s ...

Bipolar Disorder: Is there room for it in health insurance?

According to the National Institute of Mental Health, bipolar disorder affects approximately 5.7 million American adults, or about 2.6 percent of the U.S. population age 18 and older in a given year.* These men and women, like you and me are in need of health insurance, and they require medical attention ...

Life Insurance Settlement

Life insurance settlement is the process involving the sale of an insurance policy by an elderly policyholder with only a limited life expectancy to a third party investor.  Typically, the policy will be paid for with an amount that is less than the policy’s face value but is more than the cash ...

Life Insurance Mistakes to Avoid

If a lot of people are living with inadequate health insurance, and many others going without it, you can be sure that the same can be said about life insurance. A study done on August 2010 by LIMRA, an insurance research organization, showed that ownership of individual life insurance has fallen ...

Life Insurance and Critical Illness Cover

Critical illness cover is usually obtainable when purchasing a life insurance policy, at an added cost. First offered in South Africa in 1983, it has since gained popularity in Europe, Canada and Australia, in countries that offer nationalized healthcare. Critical illness cover is now also beginning ...

How much life insurance should I carry?

It’s the question most people ask themselves when considering taking out a life insurance policy. They’ve asked themselves if they need it, and may have arrived at the decision based on the fact that they have dependents they need to ensure are provided for in the event of their death, or debts that ...

Avoid Life Insurance Scams

When we hear of life insurance scams, the first image that comes to mind is a clever villain who stages his own death in the middle of the ocean leaving his beautiful beneficiary to claim his multi-million dollar death benefit. They rendezvous at a pre-arranged secret location at midnight then hie off ...

Avoiding Fake Auto Insurance Companies

You’re looking for auto insurance coverage and decide to check the internet. After all, almost anything and everything can be found online these days. Literally thousands of results jump out at you when you do a search for online car insurance quotes and it will make you wonder – are all these really ...

Auto Insurance Mistakes to Avoid

Many people view auto insurance as a necessary evil. It’s a requirement for all states in order for you to be able to drive. However, don’t just go out and buy the first and cheapest coverage you find. You will find below the common mistakes motorists commit when looking for and purchasing auto insurance ...

Why don’t health insurance companies pay for hearing aids?

Consider the statistics: About 2 to 3 out of every 1,000 children in the United States are born deaf or hard-of-hearing. Nine out of every 10 children who are born deaf are born to parents who can hear. There is a strong relationship between age and reported hearing loss: 18 percent of American adults ...

Medicare and Medicaid

Medicare and Medicaid are two governmental programs providing health-related and medical services to distinct groups of people in the United States. They were both formed when President Lyndon B. Johnson signed amendments to the Social Security Act on July 30, 1965 and are also both managed by a division ...

Advantages and Disadvantages of Managed Health Care

Managed health care is probably the leading form of health care in the United States. Whether as a benefit from employers or enrolled independently, those who are fortunate enough to have health insurance, are apt to be getting it from a managed health care provider. The most common forms of managed ...

Lost Life Insurance Policy: What to do?

Life insurance policies are purchased by people who want to provide their family with the same or better quality of life even after they are gone. Sometimes though, the insureds tend to wait for too long before informing the beneficiaries and the intended recipients have no clue of the existence of ...

Common Life Insurance Myths

The subject of life insurance is anything but simple. Aside from the fact that there are literally dozens of life insurance companies out there, there are also different types of life insurance policies to compare – and life insurance companies use different names for their policies making it difficult ...

Full Coverage vs. Liability Only Car Insurance: Which one is for you?

For most drivers, finding the most appropriate auto insurance may seem like a daunting task. There is an abundance of car insurance companies with their competitive rates, not to mention the various kinds of auto insurance policies that are offered left and right. However, to help you narrow your search ...

Elderly Drivers and Car Insurance

What most people don’t realize is that those over the age of 75 are among the highest group involved in daytime auto accidents. The American Automobile Association (AAA) and the American Association of Retired Persons (AARP) are the authorities when it comes to elderly drivers in the United States. ...

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