Why Assurant Health is your best choice for Health Insurance?

With all the health insurance options that are available today you might be wondering which company is right for me. Most of us purchase health insurance based on impulse. We look at the next TV ad or some mailer that we got. The reason I can say that is because I’ve been in health insurance industry as insurance broker for over a decade. I will share with you things you should look for when shopping for health insurance. Also I will share with you a company which offers best options you can possibly get in health insurance coverage. The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well…. Maybe. Let ask our self’s on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do. There is more to health insurance plans and companies than you ever thought. Let me ask you this question… If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial. The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this "Our Health Plan is Based on Yours". Why Assurant Health is so much better that anything that is available on health insurance market today. Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. I’ve been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article. Options that Assurant Plans Include that your plan does not. Worldwide coverage, 24 hours a day. It doesn’t matter whether you’re nearby or Far from home-you’re covered. Initial rate guarantees-up to 36 months available. You’ll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month! Lifetime benefit maximum options up to $8 million You choose the amount of protection you want. Your choice of doctors and hospitals You’ll have access to some of the largest and best preferred provider (PPO) networks in the nation. No referrals necessary to see a specialist You don’t have to jump through hoops when you need a specialist’s care-simply make an appointment. Single deductible for accidents. In the event there’s an accident involving more than one person in your family you’ll pay only one deductible. No limit on Intensive Care Unit (ICU) With no daily dollar limit when confined in an ICU, you’ll have the peace of mind you need at a critical time. Healthy Discount Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates. Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans, please click here.

By Dennis Alexander

Mortgage Life Insurance: Tips To Help You Get The Cover You Need

"Term life insurance is an important basic in your financial planning but what is often more essential is funds to speicifically cover your mortgage. Instead of taking a large chunk of a term life insurance payout to cover any outstanding mortgage, it is better to specifically cover it with mortgage life insurance. "

Having enough life insurance to not only cover the loss of income, but also your family's other debts (such as house, car, credit cards, etc.) is a wise move. Even though it may feel like a struggle at the time if you have to scrape the funds together to cover the premium. In the event the unthinkable happen, the house (and perhaps other debts) would be paid for and your family would have one less burden to worry about. Or, if you have mortgage insurance that is triggered by your disability or being unable to work (or disability insurance), then your family is covered if something should happen. When you take out the loan on your house, the company financing your home will often insist that you include mortgage insurance as part of the arrangement. While this may seem like an unnecessary addition to your already full expenditure list, it does make financial sense for the mortgage company but also for you. However, just because you are buying mortgage insurance from one company doesn't mean that you need use that same company for your other insurance needs. Take, for example, the case of Jane Dodd. Jane and her husband Eric worked hard to raise a down payment to buy a home. The Dodd family had three children, and they both decided that Jane should stay home with the kids. Eric had a good job and a solid paycheck so it wasn't a strain. But when Eric was tragically killed in car crash, Jane was left to support her family without an income. Fortunately Eric had enough life cover to offset his financial contribution to the running of the household. He also had mortgage insurance. Jane received a check from the life insurance company large enough to invest and support her and the kids until they were grown, and another check she used to pay off the mortgage on the home, which took away the largest monthly expenditure. Jane no longer had to worry about making the house payment each month, or dipping into the life insurance money to make the house payment. The mortgage insurance took care of that for them. Jane's case is, unfortunately, all too common. Every year in America thousands of people depend on mortgage insurance when an unexpected tragedy occurs. Mortgage insurance (or additional life insurance to cover the mortgage) can seem like a burden to those who opt for it, until they think about the amount of protection it provides. Mortgage insurance is one of those things that you are very glad to have when you finally need it. In such a difficult time, having enough insurance to cover the remainder of the mortgage, for many families, has made all of the difference in security, in having a roof over their heads, and in knowing that their futures are secure. Specialist term life insurance coverage advice is crucial for anyone contemplating taking out a life insurance policy. Get the information you need so that you can be confident you are choosing the right policy for you and your family. Get the latest Life Insurance Policy information: www.accuratetermlifeinsurancequote.com

By Jill Brennan

15 Steps to be taken in case of Accident

By: Sam Rosy
We can be careful in our day to day life, but unfortunately bad things do happen. Follow the following 13 steps if in case a car accident takes place:1. First thing is to notify the police on time and call ambulance if in case of any hurt.2. Do cooperate with the available authorities who come to the scene.3. Take rational steps to guard your vehicle from any other loss. Consider moving it out of traffic.4. Further try to record everything if possible on the scene. Your notes must carry the details of accident, identification of the autos and people concerned, and the names and badge numbers of all emergency personnel. Take pictures if possible.5. Insist on breath tests if you guess drugs or alcohol are involved.6. Do not accept money in any case. Do not admit fault. Do not agree to overlook about the auto accident.7. Have a copy of all police reports.8. Have the insurance company inspects and appraises the scratch before any steps are taken to repair it.9. Cooperate with the auto insurance carrier agent in the investigation, defense or settlement.10. Send your car insurance carrier copies or legal papers received in connection with the accident as soon as possible. Be certain you keep the originals with you.11. If you are wounded, submit to physical examinations by physicians chosen by the insurance carrier as regularly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)12. Give your approval for the insurance carrier to get medical reports and other pertinent records.13. File a claim.14. After filing a claim you need keep a record of expenses you incur as a result of an automobile accident, as it might be reimbursed under your policy. 15. Store copies of all the copy of the paperwork in your own files. You might need to refer to it later.

Sam Rosy is an expert in analyzing the insurance types especially in California and has produced lot of articles regarding the insurance types and its application. For further details Health insurance California and quotes view the site www.goodhealthquotes.com.To Contact Sam Rosy its samrosy@gmail.com

Student Loan Advice And Information

Author: Brad Stroh
Student LoansFor many students, the dream of getting a higher education just isn’t possible without the financial aid of a student loan. Fortunately, there are many opportunities out there to apply for and receive a student loan. And even better, http://bills.com is here to give you all the knowledge you need to choose the best student loan for you.Student loans generally come from two sources: the federal government and private financial institutions, such as banks. Both require repayment of the loan, but that’s where the similarities end. Let’s take a look at both federal and private student loans.Federal student loans are sponsored by the government and account for the biggest chunk of education loans. There are three main federal loan programs: The Perkins Loan, The Stafford Loan, and The Parent Loan For Undergraduate Students, also known as PLUS.The Perkins Loan is the most affordable student loan, with an interest rate of 5% and low fees. But it’s also the hardest to get because it’s only given to those who need it the most. And the loan limit, at $4000, is the lowest of all three federal student loans.The Stafford Loan comes with a variable interest rate that’s higher than the Perkins, but lower than the PLUS Loan, due to the cap at 8.25%. As with the Perkins Loan, this student loan does not hold credit worthiness against the applicant. The Stafford Loan also has a much higher loan limit and is offered to both graduate and undergraduate students.Compared to the Perkins and Stafford Student Loans, which are borrowed in the student’s name, the PLUS Loan is completely different in that it is a loan for parents of dependent undergraduate students. A big advantage of this type of student loan is that it covers any remaining balance not covered by other forms of aid – in essence the loan limit covers your entire educational expense.Now that we’ve familiarized ourselves with the different types of federal student loans, let’s identify the attributes of a private student loan. This is a loan from a financial institution that takes into account your creditworthiness, not your need for aid. Your credit is reviewed by lenders and if approved, you can get a substantial size student loan in minutes, sometimes up to $30,000. A downside to private student loans is that repayment terms typically cap at 15 years, compared to 30 years for a federal loan. Also, if you become disabled or deceased, your heirs are required to payoff your student loan, whereas in a federal loan, the loan is forgiven, making repayment unnecessary.As you can see, you have several choices when it comes to student loans. Making sure you choose the best option is a matter of getting informed on these choices, and picking to student loan that best fits your needs.
About the Author:Brad Stroh is currently co-CEO of Freedom Financial Network and Bills.com. If you would like more of Brad’s articles, please visit the Bills.com information on Loans.

California Home Loan Information

Author: Oliver Turner
It is not very easy to choose the right home loan from the varied number of options available in the market with different benefits and different rates. You can get help and information from any mortgage broker, bank or credit union. Nevertheless, they all work with the traditional financing and avoid offering loan to people with credit problems. But if you are residing in California, you are lucky for you get better options at “California home loan.”California home loan offers you a wide range of home loan options. They offer you loan even with low credit scores, as low as 500. You can even get a “ no doc” home loan without representing any document like income proof and credit history. But to get “no doc” home loan you should have a decent credit rating.Today, there is no need of going to bank to apply for a home loan. California home loans offer you online broker and credit facility. It is very simple to apply with an online broker. You have to fill a quote request and the broker will search a lender according to your quote request. Lenders will give you quotes including norm and terms of loan, closing costs, interest rate and monthly payments.California mortgage rates change very frequently as they depend on the real estate market. You should choose a plan with low EMI otherwise it might prove heavy on your pocket.California mortgage rates depend upon the given factors:1. The mortgage loan.2. The mortgage amount.3. Recent market value of the property.4. Type of real estate you are going to offer as security.5. Recent market value of property to be mortgaged.6. Penalty for late payment.7. FICO score.So it is better to consult a financial adviser before applying for a home loan to avoid any hassle. Anyway, do not postpone it. Not having a home loan is the most common financial mistake.
About the Author:We have made an independent research on mortgages. Find it only on California reverse mortgage and more. All about home loans on LeanderNet - http://www.leandernet.com