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What You Need to Know About Universal Life Insurance
Published on 2011-06-23 14:20:11
Along with providing a death benefit, universal life insurance also incorporates a savings vehicle. In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account. One benefit of purchasing a universal life insurance policy is that besides accumulating a tax-deferred savings, one may not have to pay premiums [...]
In Wake of April’s Tornadoes, Allstate Raises Home Insurance Rates
Published on 2011-06-01 15:25:32
By Budd McLaughlin, The Huntsville Times NEW YORK — Allstate, the largest publicly traded U.S. home insurer, is increasing prices for residential coverage after results missed the company’s targets, Bloomberg News reported. “Overall returns have been inadequate” in the homeowners’ segment, the Northbrook, Ill.-based insurer said today in a presentation for its Investor Day. Chief [...]
U.S. Makes It Easier to Get Insurance With Pre-Existing Conditions
Published on 2011-05-31 15:19:07
By Steven Reinberg HealthDay Reporter – 1 hr 54 mins ago TUESDAY, May 31 (HealthDay News) — U.S. health officials announced Tuesday that a reduction in premiums and an easing of standards for the federally administered Pre-Existing Condition Insurance Plan will allow more Americans to get health insurance. Premiums under the Pre-Existing Condition Insurance Plan, which is part of [...]
The 9 Most Useful Life Insurance Riders
Published on 2011-05-25 15:14:08
You’ve figured out how much life insurance you need, how many years you need it, how much you can spend and what type of policy best fits your situation. But your homework isn’t finished yet. Now an array of life insurance policy add-ons, called riders, must be considered. “Riders can give policyholders additional benefits and [...]
Navigating Your Insurance Declaration Page
Published on 2011-05-16 15:05:42
Definition: Most insurance policies have multiple pages. Filing through these pages to understand the basics of an insurance policy would be complicated. The insurance declaration page simplifies this process by giving the insurance policy holder a basic overview of their insurance policy.Usually the insurance declaration page is at the front of an insurance policy. The [...]
Should a Court Kill Obama’s Health Care Plan?
Published on 2011-05-11 15:06:10
(CBS/AP) RICHMOND, Va. – You may not have heard of the 4th U.S. Circuit Court of Appeals, but you probably want to hear what it’s going to say about the future of health care. This week, a three-judge panel began the tough business of figuring out if his health care plan is constitutional. They are [...]
Top 10 Health Hazards for Life Insurers
Published on 2011-04-19 10:48:06
Life insurance rates are determined by a combination of factors, including your age, gender, occupation, financial status, risky pastimes, lifestyle (particularly tobacco, alcohol and drug consumption), face amount of the policy and your health. Armed with actuarial tables and company history, a life insurance underwriter will place you in a risk class based on the [...]
Insurance Tip of the Week: Short Term and Temporary Health Insurance
Published on 2011-04-11 14:34:28
When one is looking for health insurance choices, there are a vast variety to choose from. Most people choose the health insurance from their employer or their spouse’s employer. But, there are many unique lifestyle situations people face and that requires unique health insurance choices. Short term or temporary health insurance may be an option [...]
One Year After Obamacare, Health Insurance Premiums Are Still Rising
Published on 2011-03-08 11:52:25
As the one year anniversary of the Patient Protection and Affordable Care Act nears, The New York Times notices that health insurance premiums still haven’t gone down. Just the opposite, in fact: The new federal health care law may eventually “bend the cost curve” downward, as proponents argue. But for now, at many workplaces here, [...]
N.C. Gov. Bev Perdue Vetoes Challenge to Health Care Reform Bill
Published on 2011-03-07 13:26:27
North Carolina won’t be joining the list of states challenging federal health care reform legislation — not yet, anyway. Over the weekend, Gov. Bev Perdue, a Democrat, vetoed legislation passed by the GOP-controlled state legislature that challenges a provision that would require the purchase of health insurance. In a statement, Perdue called the house bill [...]