Archive for July, 2010

Term Life Insurance Is Easier to Get These Days

It used to be that getting life insurance was a major pain. Things have changed.

“Remember the good old days when you wanted to buy life insurance and you had to take tests, fill out forms, fill out more forms, mail stuff, sign stuff, and in general, spend a whole lot of time fiddling around? Many people do remember that process and as a net result really don’t like applying for life insurance. Good news, times have changed. Life insurance is now easily obtainable online,” outlined Evan Tunis of Florida Health Care Insurance, Delray Beach, Florida.

Imagine not having to run around in tight little circles trying to keep all the documents and various requirements up in the air at the same time. Imagine a process for applying for term life insurance that takes mere minutes, as opposed to weeks. Welcome to the 21st century and the advent of online “everything.”

“The process for applying for term life insurance online is so simple that people are bound to appreciate it right away. I don’t mean that they can ‘just’ fill out an online application, I mean even the signing for term life insurance may be done online. Technology is great when it saves you time, means you won’t miss signing on the right dotted lines, don’t have to mail in the application form, and can do this all in the convenience of your home,” suggested Tunis.

Applying for term life insurance online just got a whole lot simpler because the industry chose to listen to their customers who were telling them their lives were too hectic to drop everything and come on in to do the deed in person. “Why,” they asked, “can’t we apply for life insurance online and just get things done quickly and easily through a licensed broker?”

“There is still the option for an individual to call and ask questions; in fact, that’s almost to be expected, as most people don’t tend to buy life insurance without having a lot of questions to ask. That’s what I’m here for and I welcome any calls to help people through the online application process,” offered Tunis.

To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Friday, July 30th, 2010 Press Comments Off on Term Life Insurance Is Easier to Get These Days

Florida Individual Health Insurance a Smart Move

No matter how healthy you are now, there will be a point when you need to use a hospital. Having health insurance is a smart move.

There are a good number of people in the US who think that they don’t need health insurance, that it’s a waste of time and money and they have better things to do. You may indeed have better things to do, but trying to do them with that broken leg or arm that happened unexpectedly in a car crash is going to be difficult.

How will you pay your medical bill – the enormous medical bill – that arrives for the hospital services? No one has that kind of money in the bank and wiping out your savings isn’t a good idea either. And so you may be left with declaring medical bankruptcy; all because you did not have some form of individual Florida health insurance. Sure, people think health insurance is expensive, but it’s “more” expensive if you “don’t” have it.

The only thing you need to remember is that even though you may be on a budget and need specific things, there is always a policy that exists out there that will suit you. All you have to do is ask your local health insurance broker for help. After all, they know their product and can find something to suit precisely what you need. Notice I didn’t say “want.” That is because you “need” specific types of coverage to be protected versus the fact that you may “want” a Cadillac plan for a low cost. Cadillac health insurance plan and low cost payments are words that rarely happen in the same sentence.

Basically, you need to do some homework, surf the Internet, ask friends what they have and talk to an expert Florida health insurance agent. Having some insurance rather than none may save you from bankruptcy court at some point. If you think that’s a little off the wall, consider the price to fix a broken leg: $30,000. Do you have $30,000? Chances are the answer to that is “No,” and neither do a lot of other people. Don’t take risks with your health when, for a small monthly premium, you could have health insurance coverage.

Let’s take a look at some things you can do to get what you need in an individual health insurance policy; the right one for you. Take a close look at the various health insurance policies and their varying monthly payments. This isn’t to say you should buy according to price alone, or you may not get what you thought you got. Always talk to a qualified health insurance agent. Their advice is free, they’re not trying to sell you a bum deal and they can help you save money. Really, what other services these days helps you save money?

When you’re looking at various policies, keep in mind you need to check the co-insurance, meaning the percentage of the bill “you” have to fork out cash for versus what the insurance company will pay. In most cases, the insurance company pays the bigger portion of the bill, which may seem great, but it usually means higher premiums. So if you up your payments, the premiums will come down.

If you have questions, then don’t hesitate to contact an experienced Florida health insurance agent who only has your best interests in mind.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.

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Saturday, July 24th, 2010 Articles Comments Off on Florida Individual Health Insurance a Smart Move

Quick Ways to Save on Florida Health Insurance

  • Have Previous Insurance: Many carriers charge quite a bit less if you have previous florida health insurance.  For example if you are considering a United Health One policy you will save 7% if you have previous health insurance.  This can include a short term medical plan or even a discount plan.
  • Switch from Brand Name to Generic Medication:  If you are applying for new medical insurance and take brand name medication you will pay signifigantly more then if you take generic medication.  Several carriers will not rate you up if you take generic medication however all will raise your rates if you take expensive brand name medications.
  • Go with a Higher Deductible:  Rates drop dramatically when you move from a $1,000 deductible to a $2,500 or even $5,000 deductible.  In addition with the savings you can apply for an accident insurance or critical illness policy that will pay all of your deductible.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Tuesday, July 20th, 2010 Blog Posts Comments Off on Quick Ways to Save on Florida Health Insurance

After You Say “I Do” Make Sure You Insure

One of the best moments in persons life is the day of their wedding.  Surrounded by family and friends it is a decleration of two people declaring their love and devotion to each other.

Yet it is suprising how many newlyweds often fail to properly insure themselves and their spouses when they do get married.  According to Evan Tunis of Florida Healthcare Insurance,

“When individuals get married they suddenly share everything from a home to bills.  Yet what would happen if something tragic were to happen to one person?  It could be financially devasting to the relationship or the person left behind in case of death.

Tunis recommends at  getting Florida health insurance as well as  a term life policy to protect  each spouse.  Both of these things are quite affordable and easily accessible.

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Tuesday, July 13th, 2010 Blog Posts Comments Off on After You Say “I Do” Make Sure You Insure

Say Goodbye To Child Only Policies in Florida

On July 12th, Blue Cross & Blue Shield of Florida will discontinue all new sales of Child Only policies.  Blue Cross joins United Healthcare(Golden Rule), Assurant Healthcare and most other large carriers who have already made these changes.

Currently only Humana stands as the last company to offer these policies.  If you have a child who needs an insurance policy  please give us a call at 800.946.3157 or visit our website at www.floridahealthcareinsurance.com

Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit http://www.floridahealthcareinsurance.com/.

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Friday, July 9th, 2010 Blog Posts Comments Off on Say Goodbye To Child Only Policies in Florida

Worried that a Critical Illness may put you in the Poor House?

If I had a life insurance product that covered you for a critical illness for up to $250,000, would you be interested?

If you have a critical illness such as a heart attack, stroke, renal failure, a major organ transplant, a terminal illness or a total disability, would you want a check to help you pay your expenses?

You probably answered a resounding Yes to both those questions. Who wouldn’t want cash to help them pay their medical expenses if you have been diagnosed with a critical illness? Finally, there is a term life insurance policy that pays living benefits to you for your critical illness.

How much does this policy pay in the event of critical illness?

  • Cancer (Life Threatening) 100%
  • Heart Attack 100%
  • Stroke 100%
  • Renal Failure 100%
  • Terminal Illness 100%
  • Major Heart Surgey 25%

These benefits come from all or part of your term life insurance coverage amount and provide you funds for the covered conditions diagnosed at least 30 to 60 days “after” your term life insurance effective policy date. Its simple. Its effective. It helps you pay your bills. What other life insurance policy does that?

Living benefits go directly to you “ the policy holder “ and you choose how to spend the benefit. Most people use the extra cash for daily living expenses, lost income, cost of caregivers or home health care, etc.

Living benefits is an option you can’t live without in this day and age when people are living longer lives. Who wouldn’t want protection when they need it the most?

I now offer the latest in term life protection  LifeStyle Protector “ to protect YOU! Give me a call and and I’d be pleased to walk you through all the benefits.

To Your Health,

Evan Tunis

Florida Healthcare Insurance

561.637.8162/800.946.3157

Evan@FloridaHealthcareInsurance.com

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Thursday, July 8th, 2010 Blog Posts Comments Off on Worried that a Critical Illness may put you in the Poor House?