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It is often the moment many of us dread - climbing on to the scales to find out the truth about our weight.

For some of us, it might have been years since we placed ourselves on the scales. It s easier to invent a number that we want to believe is true with respect to our body mass rather than write one down on a form that reflects the real life fact of the matter.

But when it comes to getting life insurance, inventing a figure or guessing your size will simply no longer wash. Now insurance companies are not only demanding to know whether you are overweight or not and what you consider to be your actual weight, but they are also asking customers when was the last time they jumped on the scales.

Among them is Scottish Provident, one of the more prominent life insurance companies in Great Britain. The firm has introduced the new question about when you last weighed yourself for its life assurance application because it is becoming increasingly clued up about the health risks that accomp (more...)

Thanks to the high cost of health care, the average cost for family health insurance is now more than $10,000 a year. But there are ways to get affordable health insurance. Here s how …

Types of Family Health Insurance

The two most common family health care plans are HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations).

HMOs

With an HMO you are assigned to a network of health care providers whom you must see for all your health care needs. There are usually no deductibles (the amount you pay before your insurer pays a claim), and co-payments are around $5 to $10 per visit.

You are also assigned a primary care physician who oversees your health care, and if you need to see a specialist you ll need to get permission from him or her.

HMOs are the most restrictive but the least expensive of the family health insurance plans.

PPOs

PPOs also assign you to a health care network, but allow you to see non-network physicia (more...)