Category: insurance

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Overview Of The Health Care Reform Bill.

Personally, I am happy that something was finally done about health care in this country. It’s about time we start doing something for people rather than corporations, no? While it’s not perfect, it’s a start – and I will take what I can at this point. As someone who does not have, and cannot get health insurance due to a pre-existing condition, this means a lot as long as the prices we are asked to pay are fair for everyone. The New York Times has a good run down of what this bill will mean for those with and without health insurance, and I wanted to point it out to anyone who had not seen it yet. A few highlights:

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insurance
15
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Could You Buy Life Insurance For Those You Love…With You As The Beneficiary?

Is that even legal? Ethical? Moral? I mean, the person you would be buying the life insurance for would know you were doing it, so what would be wrong with it? I imagine it would take some heavy lifting mathematically to figure out your investment in the policy and your payout should the person die versus just investing the money yourself in the market or some other vessel, but still…I wonder if it would work. I wonder if it is being done by anyone. Whether paying the “client” under the table on a monthly basis or paying the policy outright, the idea fascinates me.

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insurance
8
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Smart Choices And Savings When Considering Life Insurance.

Guest post by Charan Singh

Every month almost one million Americans consider and purchase a new life insurance policy. In today’s economic environment, when consumers are often looking to reduce costs, what are the most affordable ways to protect a family?

Life insurance is the foundation of a smart financial plan, particularly when there are family and loved ones who depend on a person’s financial support. All other financial planning can be for naught without the foundation of life insurance in place. That’s why you see millions of people researching life insurance online and almost a million a month purchasing life insurance.

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insurance
9
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31 More Days To Use Up Your Health Benefits For The Year.

If you pay for health insurance, this last month of the year is the time to make sure you use up any benefits you have left and/or any money still in your Flexible Spending Account. After all, you pay for the insurance so why not use as much of it as you can? While I no longer have health insurance, I did use up all my dental benefits for 2009 last month when I had some crown work done and I got my prescriptions filled and saw a doctor one last time before I lost my medical benefits. I meant to get a full physical which was included in the BCBS plan I had, but I ran out of time. Oh well! Some things to keep in mind for these next 31 days so you can be sure to use up your benefits:

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insurance
16
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Looks Like Progressive Insurance Is Cheapest…

…for my car in Colorado, at least. I have had State Farm car and renter’s insurance here in New Mexico, and while they have been fine I do think that they are a little on the expensive side for Colorado. The best insurance company I have ever had the pleasure of doing business with was Wawanesa, but they are only for residents of California and Oregon (unless that has changed and I didn’t notice). So, I had to start looking around and it looks like Progressive is going to be the best combination of price/value/convenience for me in Denver. And because I am a new customer, I will be signing up online, and I am going to pay my 6 month premium in advance, I am getting a one-time discount of $69 off my 6 month rate. So for my 2008 Subaru with very decent coverage, I will pay $357 for 6 months – or the equivalent of $59.50 per month. Not bad at all.

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insurance
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