Equity-Indexed Annuities For Growth & Safety
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Category: Annuities, Articles, Retirement Planning
Medicare Supplements for Individuals Under Age 65 On Disability
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Currently there are only a few states allowing insurance companies to offer Medicare Supplements to those under the age of 65. Due to legislative changes, California, Georgia, Florida, Illinois, Missouri, Pennsylvania, Texas, and Tennessee are such states. Just like those reaching age 65, those who qualify for Medicare due to disability will have an open enrollment […]
Category: Medicare Supplements
How to Purchase Health Insurance Online
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There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to […]
Category: Health Insurance
An Annuity for Long Term Care Expenses
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One America/State Life offers this hypothetical case study. It details an innovative way to pay provide funds for long term care expenses while also creating a tax write-off under the Pension Protection Act. While many seniors own deferred annuity contracts, some are unsure what to do with underperforming or mature contracts. If you would like […]
Category: Long Term Care Insurance
The Boom Market Goes Bust
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The S&P 500 – January’s first trading day in 2007: 1268.80 Many investors entered 2007 with positive expectations for the year ahead. In fact, a substantial number of large cap companies reported double digit income growth in the first quarter of the year. Pundits immediately chimed in with rosy prophecies of continued expansion. Here’s an […]
Category: Annuities, Articles, Third Party
Health Savings Account Enhancements
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In an attempt to make health insurance and health savings accounts more attractive to consumers and businesses, Congress has revised HSA legislation in 2007. The new laws make HSA’s for individuals, families and businesses more beneficial which may likely increase the popularity of these plans. The intended result may be that more Americans purchase high […]
Category: Health Insurance, Health Savings Accounts
The Ease of Purchasing Health Insurance Online
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The Internet has changed many industries for the better. Consumers want accurate and timely information at the touch of a button. The Internet is playing a major role in the insurance industry and in the process making more information are real time quotes available with the click of a mouse. Even better, consumers can enroll […]
Category: Health Insurance
Affordable Health Insurance Coverage
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The most common question I am asked as an insurance broker is: “Who has the most affordable insurance plans?” My stock answer is: What benefits are you looking for? To which the customer might reply: “I want the best benefits I can purchase at the most affordable price.” We live in a county where consumers want the […]
Category: Health Insurance, Health Savings Accounts
Medicare Insurance Options At Age 65
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Yes, you should consider all of your options when turning age 65. However, if you have group insurance through work, you may be able to defer your Medicare and supplemental enrollments until retirement. Your group size matters here. When you enroll in Medicare Part B, consider secondary insurance too. You’ll want to supplement what Medicare […]
Category: Medicare Supplements, Retirement Planning
The Need for Medical Insurance Coverage
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As the race for Governor heats up in Ohio, there is some tough talk from both camps on the need to get Ohioans insured. In our mind, it is doubtful that health insurance will become mandatory or that our state government will subsidize plans anytime soon, but opening a dialogue on this important topic is […]
Category: Health Insurance, Health Savings Accounts
Short Term Health Insurance Quotes
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You may need short term health insurance coverage in Ohio for any number or reasons. You might be between jobs, laid off, a recent college graduate, waiting for employer coverage to begin, outside of Open Enrollment, a seasonal employee or looking for a lower cost alternative to COBRA. We can help. There are several companies […]
Category: Health Insurance
Long Term Care Annuity Plans
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The newest addition to the LTC marketplace is the long term care hybrid annuity account. This product functions exactly like a fixed annuity, but it has a long term care multiplier built into the policy. There is no premium rider associated with this medically underwritten annuity policy. Put another way, there is no annual cost […]
Category: Annuities, Articles, Long Term Care Insurance, Retirement Planning
Welcome
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This is the official introduction of the Ohio Insurance Plan blog. This will be a place designed for consumers and insurance professionals to exchange information regarding trends in the industry. Enjoy and happy blogging!
-H.A.A. Staff
Category: General Insurance