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Health Reform Means Positive Shifts for Latinos

In a little over a month, we will finally know the Supreme Court’s ruling on the constitutionality of the Patient Protection Affordable Care Act (PPACA). As we wait patiently, GoHealth continues to keep the conversation about health reform going. Today, we focus on one segment of the American population that would benefit greatly by health care reform – Latinos.

Latinos make up the highest number of uninsured people in the country. Assuming the health reform laws go through, about nine million Latinos in America will be have more control over their own health care than ever before. For extensive information on how health care reform could potentially affect all Americans, visit HealthCare.Gov. Let

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Too Late to Buy Life Insurance?

Many financial experts advise as to the best time to purchase life insurance.  They will often talk of significant life events that lead many folks to consider purchasing a policy marriage, birth of a child, change of employment or increased income, to name a few.  There are also business events that can prompt one to purchase a life insurance policy.

However, I dont ever see any mention of the times when you shouldnt (or cant) purchase a policy.  Unfortunately, we often receive requests from folks at times in their lives when it actually is too late to purchase a policy.  Here are a few examples:

• We received a call from a gentleman who was scheduled to undergo quadruple bypass surgery.  This was the wake-up call he needed to prompt him to finally stop procrastinating and purchase a life insurance policy so his family would be financially protected should anything happen to him.  Unfortunately, due to his pending surgery (and heart condition) he was not eligible for coverage.

• We get a lot of requests from people who have elderly parents or grandparents who are seriously ill and they want to purchase a policy so that, at the least, burial costs would be covered.  Unfortunately, we also receive quite a few requests for larger policies ($500K $1 Mil) for the purpose of leaving money for the grown children or grandchildren.  Due to the advanced age and often, the illness, most of these people are not insurable.  Even if they were, the larger death benefits would not be approved, unless there was significant proof of insurable interest.

• We received a request just this week from someone asking if a life insurance policy could be purchased on a family member who was recently deceased.  This was certainly a first for us, so at first we seriously thought someone was joking with us.  Unfortunately, this was no joke this person truly thought that perhaps one could purchase a policy on a deceased person and then receive the death benefit.  

While these examples might seem extreme to many, I can assure you that we get at least one of these types of requests weekly. It happens o

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Personal Debt Relief – how to reduce and eliminate debt interest credit card

When a loan is sanctioned or credit card id assigned, the most important factor for the borrower of a loan is the interest rate charged, this is the amount the customer has to pay well spent in the sun original. Customers are concerned about interest rates, then reimbursement intervals. For many customers, amortization short intervals are more acceptable than high interest rates.

You must have heard that many people are running for credit card settlements. They have large sums of money to be returned to the Bank. Along with the more problems are created due to rising unemployment. To use the reduction option, a customer requires a settlement company that deals with communication tasks to achieve debt relief personal to him.

Personal debt relief is defined as the reduction to be granted to a customer through a solution.

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Critical Illness Life insurance plans

The two basic life insurance policies are the whole life insurance policy and the term life insurance policy. By now everyone might be familiar with the difference between the two policies and how they work. The basic difference is the time phase. While Whole Life Assurance is an insurance policy that is not restricted to a specific a time and runs throughout the life, term insurance covers a period only.

While shopping for an insurance policy, the insurance agents introduce us to a number of additional policies that may seem beneficial to us. However, the thumb rule is stick to what is significant and relevant to you, as you should not be wasting your premiums on some policy that may have little importance or use in your life. Many people add Critical Illness Life insurance plans to their existing policy or as a stand alone policy. Full Post…

What’s the Plan? Choosing between an HMO and a PPO

The easy decision has been made – you need health insurance. But choosing the best type of health network for you or your family can be perplexing. We are talking HMO and PPO, folks.

What’s the difference and what’s right for you? We’re giving you the low down to help you make an informed decision.

Health Maintenance Organization (HMO)

Yep, that’s what those three letters have stood for all this time. An HMO health plan is a tight network of quality health care providers whose services you may use in conjunction with your health insurance plan.

• HMOs require that you choose a Primary Care Physician (PCP) who acts as the “concierge” for all of your personal health needs. Think you need a specialist? You must first visit your PCP for a referral. Need blood work or diagnostics? Consult your PCP for a referral. Need tickets

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LifeInsure.com is Giving Away an New iPad

Were giving away a New iPad to a lucky winner.  Visit our Facebook page and Like us and enter the sweepstakes.  No purchase or quote is necessary just Like us and fill out the short form.  One lucky person will win the new iPad.  It could be you!

Alternative Solutions for Financial Warranties

The worldwide financial recession and the problems that launched this problem showed us the true nature of the exposure and weaknesses we are exposed to. People are now concerned about any investment possibility showed to them, and the risk management procedures recommend protection and insurance in any financial risk you take. The convergence of the insurances market with other financial branches leaded to dramatic changes for the insurance products, credits and warranties. When it comes to payment protection indemnity policies and packages, you have several options at your disposal.

Today, we can observe new forms of insurance options in this competitive market, and the creativity of the insurance companies seems limitless. Full Post…

The Benefit Of Having Private Health Insurance

Did you know that a good portion of people in the United Kingdom do not have any type of health insurance? The reason why this is important is because you don’t have to be like so many other people, you can get health insurance on your own by purchasing private health insurance. The nice thing about having the ability to buy private health insurance is that you won’t have to pay insurance costs out of your own pocket and you will get some of the best medical attention around.

One of the benefits of having private health insurance is that you will not be denied medical attention at certain facilities. What many people don’t realize is that when you have group insurance or anything through a business of some kind that are only allowed to go to certain medical facilities. This Full Post…