Principles of Individual Health Insurance II, Stud

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Preexisting conditions hamper ind. health buyers. (US General Accounting Office survey of individual health insurance market): An article from: National … & Casualty-Risk & Benefits Management

This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on December 23, 1996. The length of the article is 495 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the supplier: A US General Accounting Office sur

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Covering New Ground in Health System Shift
Officials face a delicate task during the transition to a new health care system: to not destabilize the existing market in a way that makes insurance less available or more expensive to consumers.
Read more on New York Times

Property-Tax Deduction and COBRA Subsidy Updates
Legislators didn’t extend the COBRA subsidy. But there’s still a chance that the property-tax deduction for non-itemizers will be revived.
Read more on Kiplinger.com

Covering new ground in health system shift
Officials face a delicate task: not to destabilize the market in a way that makes coverage less available or affordable.
Read more on Spartanburg Herald-Journal

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Individual Health Insurance Part B (5th edition)

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by regional.modernism

Term Life Insurance Quote is Inexpensive

Term life insurance quote is a form of life insurance that covers the insured person for a specified period of time, called the ‘term’ that is particular in the policy. Term life insurance is the most inexpensive option for anyone who desires to make available a future path in the event of their premature passing away. It’s called term life insurance since it endures for a distinct term agreed upon at the time of the procurement. As long as the premiums are paid each month, the beneficiaries are paid the complete death benefit package if the policy holder departs this life during that period.

Term life insurance costs not as much as permanent life insurance policies like whole life and endowment life. The reason is since the policy accumulates no cash value in exceptions of the case of Return of Premium Term Life Insurance, where you can obtain a complete reimbursement for all the premiums you’ve paid at the end of the policy period. The next rationale is because the policy is guaranteed to end within a certain number of years, which the insurance company hopes this will be before the policy holder dies. It pays a benefit to an elected recipient only when the insured pass on within that particular period.

Term life insurance quote is renewable except that premiums increase with age. Did you know that these types of quotes are set up to pay for all the needs an ordinary man with a responsibility of providing for his family would afford? You could use typically pay for anything depending on the situation at hand including the mortgages, education, cost of living, or burial costs. You can also make use of it to pay the taxes drawn in an estate inheritance. You can procure term life insurance policies for terms of one to many years that you please but many prefer fifteen to thirty. The policy lapses as the agreed term expires. Some policies have a stipulated renewal rate that is guarantee, so you can procure a new policy when the mature one ends. The rates will apparently be elevated because of the age increase.

A number of policies offer you stepped up benefits alternatives. This then means that they will pay you benefits before death if you have a life-threatening sickness. This might demand more dollars but to some extent the extra protection guaranteed with this move is worth the cash. Sometimes you can lessen your premiums by disclosing your health profile before procuring a term life insurance quote. You should use this profile to demonstrate to the insurance company that you have less risk of dying than an average person has. Term life insurance is not basically for all although if you feel that you can not afford to invest on a more expensive insurance such as whole life, and protecting your family in the incidence of your death; term life insurance might be the remedy.

Whether your term life insurance quote requirement is short term or long term, brief or permanent, meant as a venture, or a retirement plan, you can now access term life insurance information online now and you could also purchase a quote right away. The owners of such sites will clarify, contrast features, contrast rates on your term life insurance, and also assist you establish the correct type of insurance that counterpart your circumstances.

Poly Muthumbi is a Web Administrator and Has Been Researching and Reporting on Debt for Years. For More Information on TERM LIFE INSURANCE Visit Her Site at LIFE INSURANCE QUOTE

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by yksin

Five Common Myths About Life Insurance

The majority of American households do have some variety of life insurance. But some of us understand how to get the most out of it. Five of the most damaging myths that lead to costly life insurance mistakes…

Myth 1: I just need enough life insurance to cover my family’s future expenses.

Fact: If you really want to provide for your family’s well-being, you’ll need more than that. The good news is that this extra coverage won’t set you back as much as you might think.

A typical family should combine the remaining portion of its mortgage … projected inflation-adjusted annual living expenses for the remainder of the spouse’s life … and college costs if they are a factor (assuming that costs will rise by 3% to 5% per year) to determine the amount the family needs to get by. Subtract the amount the surviving spouse will earn if he/she expects to return to the workforce at some point.

Example: A 40-year-old man who’s in good health would pay about 5 a year for a simple 20-year level-term life insurance policy that provides million in coverage, and this would be enough to cover all his family’s future expenses.

And, for about ,750, he could get a million policy, enough to fully replace his lifetime earnings if his salary would have averaged ,000 per year for the remaining 25 years of his career. An extra 5 per year (about a month) is a small price to pay to ensure that his family won’t suffer financially after his death.

To compare life insurance costs, contact your insurance professional.

Myth 2: Term life insurance is always a better deal than whole life.

Fact: Term life insurance policies will usually provide lower premiums than a permanent cash-value policy like whole life, which combines the pure insurance of a term policy with a tax-favored investment account. But under particular circumstances – if you plan to keep the policy for more than 20 years … can afford the premiums … and have maxed out other tax-deferred investments, such as a 401(k) plan and an IRA-whole life insurance makes more sense.

Assuming that you don’t dip into your investment for at least 20 years, your total return from a whole life policy, including the death benefit and investment return, is likely to be higher than what you would earn by purchasing a similar amount of term coverage and investing the cost difference in municipal bonds – which is a comparable investment in terms of both risk and tax treatment.

Other permanent insurance options include variable universal life, which might be appropriate for younger couples in their 20s or early 30s, since the investment component could be put in high-growth mutual funds … and universal life, which can be appropriate for those whose income can fluctuate significantly from year to year, such as sales professionals, since it allows the insured to determine the premium paid in any year.

*Rates subject to change.

Other benefits of permanent (casb-value) insurance: You can borrow against the cash value of your policy at reasonable interest rates. Also, withdrawals up to the amount of your investment are tax-free.

Of course, permanent insurance loses its appeal if you need access to your money before two decades or more pass. Life insurance companies front-load their fees, so if you withdraw the money before then, your investment return will suffer disproportionately.

Myth 3: My wife does not work, so she doesn’t need her own life insurance policy.

Fact: Stay-at-home spouses might not produce income, but they often provide important services that are expensive to replace, such as cleaning, cooking and child care. Some spouses also find that their own ability to earn is temporarily reduced after the loss of a partner.

Example: A lawyer in private practice spent the year after his wife’s death walking around in a daze, causing his income to plummet.

Couples with children should have at least million in coverage for the nonworking spouse, more if the family is large or lives in an expensive area. You can consider decreasing that figure if the kids are in their teens and reducing it again once the kids are out of the house. A 40-year-old nonsmoking woman in good health should be able to get a million 20-year level-term policy for about 0 a year.

Myth 4: My term-life policy can be converted to whole life, so I don’t have to worry about losing coverage if I ever become chronically ill.

Fact: While it is true that more than two-thirds of term policies allow policyholders to convert over to whole life regardless of health problems, many “convertible” term policies can be converted only within a five or 10-year window – and insurance companies may not warn you when that window is about to close. If you don’t convert and the policy lapses, the insurance company gets to keep all the money you paid in premiums and won’t have to pay out a dime on the policy.

It is not uncommon for policyholders who have developed serious health problems to unwittingly miss their opportunity to convert to whole life and then find themselves uninsured and essentially uninsurable.

Self-defense: Make a habit of reviewing your policy at least once a year so that you won’t miss your chance to convert – or any other deadline.

Myth 5: I’m retiring soon, so I don’t need life insurance anymore.

Fact: This might be true in some cases, but life insurance can be useful for retirement planning and/or estate planning.

Examples…

*If your employer offers a defined-benefit pension plan, it probably has two payout options – a single life annuity, which provides income only during your lifetime, and a joint life annuity, which provides a smaller monthly payment until you and your spouse both die. In spite of these smaller payments per month, most married people choose joint life for the sake of their spouses.

Assuming that you are in good health, single life is a better choice if you also hold a life insurance policy with your spouse as the beneficiary. Should you die first, your spouse could live on the proceeds. It’s best to purchase the insurance a decade or more before you retire to lock in an attractive age-based rate.

*If you expect to have a large estate – $ 3 million or more – it may be wise to use life insurance to pay the estate tax. Too often, people don’t buy the proper insurance for this purpose. The usual choice is a “second-to-die” policy – one that pays out when the surviving spouse passes away. But when you crunch the numbers, second-to-die policies can be inferior deals for most couples younger than 60 … and any couple in which the husband is more than five years older than his wife or the wife is more than 10 years older than her husband, since women live an average of five years longer than men. In such cases, it’s better for each spouse to buy a separate policy.

Scenario: A husband and wife, each 45 years old and healthy, would pay an annual premium of about ,000 for a million second-to-die whole life policy. If they had bought separate 0,000 whole life policies, they would pay a total of about ,500 in annual premiums. (The high cost reflects the lifetime coverage with this type of policy.)

At first glance, the second-to-die policy looks great; saving about ,500 a year, but the insurer pays nothing until both spouses die. With separate policies, the insurer must pay out 0,000 upon the death of the first spouse. If the surviving spouse were to invest that 0,000, he/she could turn it into more than 0,000 in a decade, even at a 5% after-tax return.

Bonus: Once the first spouse has died, the premiums must be paid only on the remaining spouse’s policy, reducing costs.

Second-to-die policies do make sense if both spouses are over age 60 and close in age. In this case, the odds are lower that they will die many years apart.

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by yksin

Life Insurance Canada | Crash Course On Life Insurance

Life insurance provides financial help and secures the future for your loved ones when you are gone. A life insurance agreement is to some extent very simple to understand; you agree to pay a premium at regular intervals, and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death. Many people have no knowledge about life insurance; according to them it is vast of money and time. But this is not true, nowadays having a life insurance is very essential in each and everyone’s life.

To understand the word “life insurance” and its importance, you have to go through the information given below. When a person signs the agreement, there are three parties who are involved in this life insurance contract. The first person is the insured; he is the person whose life is being insured under the policy. Next, there is the insurer who is the insurance company who guarantee the risk. And third, there is the owner.

In this case it is not necessary that the owner and insured are one and the same. Somebody can buy a life insurance policy to cover the life of someone else, such as their partner. Life insurance is most often used to provide income protection to the other half of the deceased. The owner of the agreement must have a reason for wanting to insure the life of that person; otherwise the contract is null and void.

When the person who is covered by the policy dies, then the insurance company needs proof of death before paying the claim. A death certificate is the most usually accepted form of proof. The benefit is paid out either as a lump sum or certain amount of monthly income for the rest of his or her life. There are two main types of life insurance they are temporary and permanent. Temporary insurance is also known as term life, this can be a 20-year term life, and this means that the policyholder can get the death benefit if the person dies within the next twenty years.

While a Permanent insurance includes whole life and universal life. Whole life insurance provides for a payment no matter when the person dies, however premiums have to be maintained and paid, a person can be insured till he reaches an age of 100. Universal policies are also not different from this policy, they provide to get greater premium flexibility. This is little complicated, so its better you consult and take the advice of any agent before you buy a insurance policy.

With the entire information given above, you will be able to understand and take a wise decision. Not only you but also your family members should have the knowledge of this policy it is very necessary, as it will help them to follow the policy when you are gone. Having insurance is a must for each and every person, it not only protects and secures the future, and it also gives them financial support in the event that something happens to you.

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by wallyg

Term Life Insurance | Term Life Insurance-helping You In Times Of Need

Now days many companies are offering many different life insurance programs, but why is it that term life insurance is the most sought after insurance policy? The answer is simple that term life insurance is the most easiest and simple life insurance plan. This policy has a many flexible options compared to other insurance policies. But still many people are not aware of good advantages this policy will have in your life. This policy is the perfect choice for those who are young and have already accumulated debts in the form of educational or house mortgage or a car loan. As this policy takes care of all your debts, you can make the life of your dependents secure by buying a term life insurance policy. This will bring some relief to your loved ones who are already mourning your loss.

When you are choosing a term life insurance you will come across to two choices these are term life insurance for funeral expenses and term life insurance for income replacement in families. Although no one would like to even think of dying, but no one can ignore the fact that death is something which is inevitable and everyone has to die one day, but what about the funeral cost which are rising with every passing day. Your family has to bear the cost of your funeral, unless you have a term life insurance which would take care of it. Term life insurance will help your family by taking care of your funeral cost thus resulting in savings of thousands of dollars of your loved ones who are already having enough to deal with. The cost of living is very high now days and it takes two people to take care of a family. Once you are gone, term life insurance is one sure way, by which you can safe guard your family’s future in case of accidental death. This policy will make sure that you have a safe family life in case of your sudden departure.

Term life insurance has some certain advantages when it comes to receiving. Since this is the cheapest life insurance policy you can start the savings from the day one in the form of lower monthly premiums. This insurance plan is also flexible when it comes add or remove certain clauses. You can design the policy according to your personal needs and it does not has a fixed clause. When you are purchasing a term life insurance make sure to check out with the conversion clause in close consideration. Since you can choose the term of your life insurance in a term life insurance, you can select a very short term life insurance to begin with and then you can increase the term of your insurance policy according to your requirements.

To sum up, since now you know the benefits of term life insurance you wont have to think for a long time as to which life insurance policy would be best and you wont even have to regret taking into account of purchasing a term life insurance. You can take the advice of an expert or an insurance broker who can help you to take a wise decision for this very important decision of your life.

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by confidentjohn

Question by latanya2k6: i have worked for an non profit orginazation for over 7 yrs?
as a regular part time worker” i work 24 hours a week” my boss have never discuss the life insurance policy with me” my question is” if i am in entitle to life insurance” shouldn”t i also be entitle to a pay raise and vacation? i have never out of the 7yrs i been this company receive a raise” and i am always being praside for my work” please answer one more question” can i take my employeers to court for back pay raises and vacation and holiday pay” i have worked on all christmas and thanksgivings for the last 7yrs without holiday pay” please tell me who can i inquire about this matter” and if i am entitle to the above” please give me some information” thank” you

Best answer:

Answer by sumbumblebee
You’re not entitled to anything. Granted, it’s customary to receive some raise after time spent with a company, but they don’t have to give it to you, and many not-for-profits try their best to keep salaries down.

That’s the short answer- no.

However, if you want a vacation or a raise and you do get praised at work, ask for those things. Most employers don’t just give away things that cost them money if you don’t ask. Try asking and asserting that you perform well and do good work, and you think you deserve a raise and a little vacation time after 7 years.

Bottom line- don’t expect a hand-out. Ask, however, and you might receive.

Good luck.

Know better? Leave your own answer in the comments!

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by whitewall buick

How To Pay Less For Term Life Insurance By Quitting Smoking

Term life insurance can be a confusing topic and purchasing life insurance can be a daunting task, to some. With so many options out there, it may seem impossible to fully understand where to start. While some consider universal life insurance, many have turned to term life insurance. Either way, however, smoking can severely affect the amount that you pay. Term life insurance rates will affect people who smoke.

How Smoking Affects Term Life Insurance Rates

Something important to understand about term life insurance rates is that they’re easily affected by multiple lifestyle habits that affect your health. One of the major things that life insurance companies look for is the health of the individual. Depending on your health, and the things you do that affect your body, your term life insurance rates may go up or down. Life insurance companies focus on health for good reason. They want their customers living long, prosperous lives. This benefits both parties. For the insured, the longer that you stay insured, the longer you can be protected by your policy. For the insurer, the longer the insured pays for insurance, the more money the company accumulates. With that being said, it becomes more obvious as to why health plays a part in term life insurance rates.

But how exactly does smoking affect term life insurance rates? It’s common knowledge that smoking is bad for your health. The affect that smoking has on the individuals who smoke is impossible to ignore. There are many illnesses, many resulting in death, that are linked to smoking. The life expectancy of smokers is shorter than those who do not smoke. When life insurance companies identify that an applicant is a smoker, it automatically raises red flags. The person is considered to have a shorter life span, and is expected to possibly have health issues later in life. Because of this, term life insurance rates for that specific individual, are likely to be higher. For more information regarding term life insurance visit http://stevenallen.blogspot.com/2008/05/whats-in-policy-name.html.

How Can They Tell If I Smoke?

There are multiple ways that life insurance companies can tell if someone is a smoker. First, there is a questionnaire that is given to every individual looking into term life insurance rates. Some of these questions include smoking. Many see this and think that it would be easy to lie to the company, saying that you do not smoke. That is untrue, however. One of the other steps in the process of getting life insurance is to have a medical exam. The company is looking for specific things through this exam. Because there are chemicals left behind in your body by smoking (such as nicotine), the company can easily tell if you are a smoker. This is why it is important to understand that you should never lie on the questionnaire, under any circumstances. All of your life insurance (and policies) can be revoked if they find out you lied.

How Can I Lower my Term Life Insurance Rates?

While it is easier said than done, managing to quit smoking can lower your rates. If you are already locked into a life insurance policy, you are allowed to update your medical exam at any time. If you have quit smoking, updating this exam can be a way to show that you’ve quit. While quitting smoking can be difficult, managing to do so can help you out in lowering your term life insurance rates. Learn more about term life insurance by checking out http://www.bloggeracrosstheuniverse.com/2008/05/life-insurance.html.

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