Recent Article Additions
To Smoke or not to Smoke? - Tobacco & Nicotine Testing Kits
Smoking is a health hazard, to both those who smoke and those
who are exposed to secondhand fumes. Due to this hazard, many
companies have begun to test their employees for nicotine via
nicotine drug tests. Nicotine tests help employers and insurance
companies alike evaluate a persons health more accurately, often
times resulting in increased costs to the smoker.
Nicotine Testing for Insurance
Nowadays, many insurance companies require a full physical before
accepting an individual onto one of their coverage plans. While
this certainly holds true for health insurance, it is even more
prevalent in the r
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9 Reasons To Buy Health Insurance Online
- No agent needed in most cases because you are dealing directly with the insurance company on its own secure website. Buying insurance online is in many cases a simple do-it-yourself process.
- Some companies even offer a discount for online applications. Most companies have what is known as a "policy fee" or "application fee". It's their way of off-setting some of the expenses incurred when the company begins the underwriting process. Celtic Insurance, for example, has a one time $25 application fee.
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Are Your Pets Covered By Health Insurance?
When you think about purchasing health insurance, you probably
only think about your children, your spouse, and yourself. You
either buy into the health insurance package offered by your
employer or your spouses employer, or you seek an individual health
insurance policy based your needs and the needs of your family.
But how many of you have thought about your pets when it comes to
health insurance? Pets are, after all, members of the family, too.
Do not feel ashamed if you have not thought of health insurance for
your pets; when it comes to pets, most pe
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Does Your Career Offer Insurance Perks?
Since your career consumes a large portion of your life, you
want to enjoy it, right? You want a career that will allow you to
not only use your knowledge and skills, but one that will also
challenge you to become better at whatever it is you do.
Unfortunately, we cant always choose a career based on what we like
to do. Certain careers come with certain perks. Aside from a
regular paycheck, we can assume that one of the most popular perks
of any career is health insurance. Actually, unless youre so
wealthy that doctor bills lo
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Why You Should Buy Health Insurance
For those who are self employed or have a job with no health benefits buying health insurance is a good idea. If you have health insurance you can cover yourself and your family. In case you don't have it, you take a risk. You really need to get health insurance in case you suffer from chronic health conditions and you need regular health care. If you are one of those healthy people who don't suffer from anything, you are lucky but yet you need to buy health insurance because it covers accidents and anything else that might
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Why Buy Health Insurance In The First Place?
At present there are nearly 45 million Americans who do not have health insurance. Are you one of them? There are several reasons why people do not buy health insurance. The prime reason and most obvious is the cost. On the other hand the cost incurred to you and your family if you are not covered by insurance and are struck down with a major illness unexpectedly may mean complete bankruptcy. Another top reason why people do not acquire health insurance is when they change companies and have a pre-existing condition. Often times a new company will not
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Reduce Your Health Insurance Premiums for Individuals and Small Businesses
HEALTH INSURANCE COSTS TOO MUCH
You were having a nice day. Then you got a notice that your individual health insurance rates had just been increased - a lot! You cannot believe that the insurance company expects you to fork over 20 to 40% more for your monthly premium next year. Will you have to take the drastic risk of going without health insurance?
Or maybe you're a small business owner who is trying to do the right thing for your employees. Your agent just called to tell you that since one of
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Mortgage Life Insurance
Mortgage life insurance policies are those policies which you pay into for a specified amount of time, so that when you die, your loved ones will receive a certain dollar amount. The investment is backed up with a home as collateral. Good health, beyond any doubt, is one of the most important factors for a happy life. However responsible and charitable a person is, the first responsibility he or she should be fulfilling is that of taking care of himself. This includes being aware of the different health insurance plans that companies have to offer, and making informed decisions
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When is a Good Deal Not a Good Deal for Health Insurance?
With the ever increasing cost of health insurance comes the scammers who are prepared to risk the lives of others in their pursuit of a quick buck.
For many, health insurance has become too costly and the search is constantly on for cheaper alternatives to main stream health insurance. Unfortunately, such eagerness to save money has created a market rife with scammers who are happy to offer non existent low cost health insurance and then take the money and run.
Such companies recruit insurance agents to sell fictitious ERISA or Union plans. Initial claims are
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Our New "Minor Children" in the American Family - The Law, the Implications For Pets
What? A "Pet trust"? Pets as our "children"? We are supposed to consider including our pet animals - dogs, cats, birds, etc - as "family members" and "loved ones" who should be covered in our testamentary trust or will and our estate planning? Aren't these just mere "animals"?
Well, not quite so any more these days!
Americans own a huge number of pets, including about 68 million dogs and 73 million cats, according to a 2000 estimate by the American Pet Products Manufacturers Association. What is even particularly fundamental, however, from the sociological standpoint and the
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