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Insurance

Americans spend hundreds of billions of dollars annually on insurance; from home, auto, life and health coverage, it’s the 5th largest of all family expenditures. Yet surprisingly many of us are unaware of the full range of benefits insurance products today can offer in personal coverage and financial planning.

The articles following in this section offer valuable ideas and assistance on a wide range of issues. They include:

1.Life Insurance Policy Choices

There isn’t just one standard type of life insurance available. Some plans simply pay your beneficiaries a set amount of money when you die, but others can be borrowed against in your lifetime. Before you purchase life insurance you should understand the basic policies available. They include term, whole life, universal life, and variable life....Read more...

2. Wealth Transfer with Universal Life

Using a Universal Life insurance policy to pass on the assets of your estate to beneficiaries is an excellent means of creating a family legacy and avoiding unnecessary taxes on the transfer. The plan is particularly useful to individuals - parents and grandparents - who have accumulated assets during their working lives and are now looking to a properly managed estate planning strategy. ...Read more...

3. Individual and Family Health Insurance

Personal Health insurance (also called private health insurance) is insurance that is offered to individuals. When an employer does not provide insurance for its employees, personal health insurance is what an individual can purchase for himself. Many self employed individuals and students also purchase personal health insurance to make sure their health care costs are covered.....Read more...

Your Health Plan Choices

When it comes to choosing a health plan it is important to determine your needs, so you can choose the type of plan that best fits your budget and lifestyle. The monthly premium for health plans varies and usually the lower your premium the less coverage your plan offers. Most health care insurance falls into one of two categories: indemnity and managed care. .....Read more... ..

5. Benefits of Group Health for Small Business

Health insurance for individuals is quite expensive. When you work for a large company that provides group health insurance, the costs are substantially lower. Because a large company is able to purchase many policies at one time for its employees, the price is much lower than it would be for one family looking to buy insurance. For many years, small companies weren’t able to reap the benefits of lower cost group insurance, but more and more insurance companies are marketing group plans to companies with as few as 2 employees.....Read more... ...

6. What is Medicare Insurance?

Medicare is a health insurance program, provided by the government for people that are 65 years or older, many disabled people that are under the age of 65 and people that have permanent kidney failure which requires ongoing dialysis or a kidney transplant. Medicare offers several plans to its members including an HMO, Special Needs Plan, and private fee for service plans that allow members to continue seeing the doctor they have been with for years. The new prescription drug plan also covers many of the expenses incurred for prescribed medications.......Read more...

We can also save you time and money by helping you find a deal on term, whole or universal life from one of America’s best-known blue-chip providers. Or if you’re still ’kicking the tires’ on an insurance product, take advantage of the opportunity to ask a question of one of our insurance advisors. It’s fast, it’s easy and there’s no cost or obligation.

...To find an insurance advisor near you.

Latest publications

Life Insurance - Policy Choices
By ProfessionalReferrals.net Published - 2006-12

Life Insurance Rates
By ProfessionalReferrals.net Published - 2006-12

There are many factors that are considered when your life insurance rates are determined.

Glossary of Life Insurance
By ProfessionalReferrals.net Published - 2006-12

Life Insurance - Who Needs It?
By ProfessionalReferrals.net Published - 2006-12

While life insurance is important, not everyone needs to purchase it.

Universal Life
By ProfessionalReferrals.net Published - 2006-12

Universal life insurance is a permanent life insurance that includes a cash surrender value.

Evaluating Group Health Plans
By ProfessionalReferrals.net Published - 2006-12

It is important to choose a group plan that covers the procedures that are important to you.

Health Plan Choices
By ProfessionalReferrals.net Published - 2006-12

When it comes to choosing a health plan it is important to determine your needs, so you can choose the type of plan that best fits your budget and lifestyle.

Your Health Plan Options
By ProfessionalReferrals.net Published - 2006-12

Travel Insurance
By ProfessionalReferrals.net Published - 2006-12

Purchasing travel insurance is a good way to make sure that your expenses are covered in case you have a medical emergency while abroad.

Short Term Health Insurance
By ProfessionalReferrals.net Published - 2006-12

Short term health insurance protects you from the expense of unexpected medical emergencies that occur when you are between periods of having medical insurance.

Individual and Family Health Insurance
By ProfessionalReferrals.net Published - 2006-12

When an employer does not provide insurance for its employees, personal health insurance is what an individual can purchase for himself.

Group Health Insurance - Basics
By ProfessionalReferrals.net Published - 2006-12

Group health insurance is medical insurance that is offered to individuals through the company that they work for.

Group Health for Small Businesses
By ProfessionalReferrals.net Published - 2006-12

More and more insurance companies are marketing group plans to companies with as few as 2 employees.

What is Medicare Insurance?
By ProfessionalReferrals.net Published - 2006-12

Medicare is a health insurance program provided by the government for people that are 65 years or older as well as many disabled people under the age of 65.

More about Financial Planning Services from ProfessionalReferrals.Net

	What is Financial Planning – and why do you need a Financial Planner?
	What to Look for in a Financial Planner
	Why Choose an Advisor from ProfessionalReferrals.Net
	An Introduction to Estate Planning - What is it, how is it done, why do you need it.

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