TodayInsurance.net

Health insurance today is a mess. We need it but can we afford it? We have our car insured, why not the family? “I hope nothing happens to me so I won t need to go to the hospital.” These are all notions we have as concerned people and parents. Healthcare is on the rise as well as premiums. COBRA is expensive but if you have health conditions it is necessary. Are you a little overweight or smoke? All of these are factors for getting or not getting health insurance. What can you do in the meantime while you think about it or lose the weight or quit smoking or maybe you are even between jobs?

The Plan:
A little known policy lingers out there you may or may not be aware of, and that is the Short Term Medical plan. The plan is self explanatory as it is set for a period of time. The plans that we service go from anywhere between 30 days all the way up to 360 days of coverage. That means that you can have coverage for a month or two or even six months up to a year, the choice is yours. (more...)

First of all, life insurers (also known as carriers) offer more than just traditional life insurance. One of today s hot products is Long Term Care (LTC), we will talk about LTC in another article. They also offer products like Annuities, Critical Illness and Disability Income insurance. You can purchase these products through agents, which typically sell only the carrier s product they are associated with, brokers which sell products from various carriers and on your own through the Internet.

An introduction to Life Insurance products starts with the two basic categories that life insurance products fall into. These are those with Cash Value and those without Cash Value. An insurance policy with a cash value is a policy that has a value for the insured that they can borrow or withdraw from. Cash value is built up by paying premiums to build up your cash value. Typically, those without cash value are Term Insurance products. Those products with a cash value, typically are investments that l (more...)