Losing COBRA Subsidy for Health Insurance
Blog
As of the writing of this article, there is still no decision from Washington as to whether the COBRA health insurance subsidy will be extended for those who lost jobs or were laid off. There is talk that Congress might extend the subsidy for an additional 15 months, assuming those who qualified have not already […]
December 18, 2009
Category: Health Insurance
Assured Life Medicare Supplements in Ohio and Arizona
Blog
It is quite common for new carriers to enter the Medicare supplement marketplace every year. One of the newest entrants is Assured Life. These plans are underwritten by Mutual of Omaha. The monthly premiums are very competitive in the states where they currently offer coverage. Arizona and Ohio residents over age 65 will find their rates […]
December 14, 2009
Category: Medicare Supplements
Qualified and Non-Qualified Annuity Accounts
Blog
Regardless of the type of annuity account you own (fixed, indexed, immediate, or variable) it will fall into one of two categories; qualified or non-qualified. Your options will depend which type you have and/or inherit. An annuity cannot be both qualified and non-qualified. It's one or the other. There are significant differences between the two [...]
September 30, 2009
Category: Annuities, Articles, Retirement Planning
Why Do I Need Life Insurance Anyway?
Blog
September is life insurance awareness month, thus we will do our part to discuss the overall benefits of these products. When compared to other financial instruments, life insurance policies have several unique and attractive attributes. Policies will come in many shapes and sizes with several options for the insured, but it may be most important to simply […]
September 18, 2009
Category: Life Insurance, Retirement Planning
Who Offers The Most Affordable Health Insurance Coverage in Ohio?
Blog
As an insurance professional in Ohio, I am asked this question quite a bit from prospective clients. The simple answer is: it depends. There are certain companies that offer more affordable health insurance in certain areas and to certain age groups. With the advent of healthcare reform, there are several other variable that come into play, […]
September 9, 2009
Category: Health Insurance
What is Guaranteed Annuity Income for Life?
Blog
As the overall markets have swooned and once plush retirement accounts have lost value, you might be interested in a guaranteed lifetime stream of income. Commercials are more prevalent and many financial firms are now advertising the merits of this simple concept. But what are the financial products behind these guarantees and how can you benefit from lifetime […]
July 15, 2009
Category: Annuities, Articles, Ohio Annuity, Retirement Planning
Employer Health Insurance Mandates – Fees, Fines and Penalties
Blog
In an overall effort to insure more Americans, “pay or play” mandates appear to be a part of the Obama administrations health care reform efforts. While this legislation is still in its infancy, it is moving quickly as Congress attempts to draft a bill before summer recess. Mandates already exist in the State of Massachusetts, […]
July 8, 2009
Category: Group Health Insurance
Whole Life or Term Life Insurance? Which One Is Best?
Blog
Life insurance shoppers want to know: What is the difference between whole and term life insurance and what type of policy should I purchase? The answer is usually simple depending on the circumstances. Listed below are life insurance explanations as well as recommendations for purchasing a life policy, tax avoidance and estate planning strategies. Whole Life Insurance […]
June 11, 2009
Category: Articles, Life Insurance, Wealth Transfer
Health Care Reform And The Government Exchange
Blog
Behind closed doors members of Congress are hammering out plans to change the shape of the current health care system. Details are still somewhat scarce, but House and Senate member are determined to have a bill put together by the middle of the summer and actual reform by year end. Outlined below are changes that […]
May 18, 2009
Category: Health Care Reform, Op/Ed
Easy Health Insurance Quotes
Blog
Online shoppers want to know where the best websites offering instant health insurance quotes from several well rated carriers can be found. You can find them with us. In response to consumer demand, we have developed an insurance agency that operates in two worlds; the real and the virtual. Shoppers can explore plans with or without our […]
May 4, 2009
Category: Health Insurance
Ohio Partnership Long Term Care Insurance
Blog
Ohio has passed legislation allowing for partnership policies to encourage the purchase long term care insurance (LTCi). Only a few insurance companies offer these plans, but not all LTCi policies offered today are partnership qualified. By owning a qualified plan, insureds can be eligible for Medicaid benefits through the state without depleting all of their [...]
April 23, 2009
Category: Long Term Care Insurance, Retirement Planning
The 403(b) Account – Transfers, Rollovers, Taxes, and Insurance
Blog
A 403(b) account is also known as a Tax Sheltered Annuity or TSA. These accounts can take many forms, but most typically are setup as a fixed or variable annuity. Teachers, employees of non-profits, and certain ministers can contribute during their working years should their employer offer this retirement option. Other investment options might include mutual funds […]
April 2, 2009
Category: Annuities, Articles, Retirement Planning
Issues with Health Care Reform – Cost, Taxes and Job Loss
Blog
Health care reform is coming and possibly soon. President Obama promised changes to the health care system during his run to office and has quickly taken measures to deliver on those promises. While several questions remain as to what these changes might entail, he has pledged to insure more Americans under a universal system. It […]
March 26, 2009
Category: Health Insurance, Op/Ed
Why You Should Use an Agent to Purchase Health Insurance
Blog
We work with prospective clients all across the country who need to purchase health insurance. Oftentimes, the client wishes to know why they should use a health insurance agent to complete the transaction. In other words, why shouldn’t they just buy direct from the company? There are several reasons to use an independent agent including price, […]
March 24, 2009
Category: Health Insurance
United HealthCare Dental & Vision Insurance
Blog
There is good news for those who need stand alone dental and vision insurance. United Healthcare, through their subsidiary Golden Rule now offers dental and vision insurance in several states. Coverage is available for individuals and families from over 70,000 providers nationwide. There are several states offering coverage and in most places you will have [...]
March 17, 2009
Category: Dental & Vision Insurance