Blog Posts
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
Avoid the Needles; Get Florida Life Insurance without Invasive Tests
As many of you already know giving blood is not a pleasant experience. However to get any sort of Florida Term Life Insurance this is a prerequisite. However like Bob Dylan said, “Time They Are a Changing.”
Several A Rated Insurance Carriers have begun offering simplified issue term products with no urine or blood samples needed. These plans are available in 10-, 15-, 20- and 30-year terms with coverage up to $350,000.
To request a quote on one of these plans simply call Evan Tunis of Florida Healthcare Insurance at 800.946.3157.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida life insurance quotes. To learn more about Florida health or life insurance, visit http://www.floridahealthcareinsurance.com/.
When People Depend on You Financially Life Insurance Is a Must
If others depend on you, it’s likely best that you have life insurance in place. You are never too young to have life insurance.
It doesn’t matter how old or how young you are, if you have people that depend on you, then it’s generally best if you have Florida life insurance in place to care for them if something happens to you. Granted, many young people don’t seem to think death is just around the corner, but the reality of life is that death can and does happen to everyone, and sometimes unexpectedly; e.g., as the result of a car accident.
Some younger people don’t think they need life insurance, and they may be right. It is a personal choice and one that each person needs to make for themselves based on their lifestyle. Ideally, the right time to buy life insurance is when someone else is financially dependent on you – and that may happen at any age these days. So don’t automatically rule out buying life insurance because you think you are “too” young.
One thing to keep in mind is this: you buy Florida life insurance because “you” need it, not because it might seem like the right thing to do at the moment because everyone else is buying it, and you certainly don’t want to be purchasing it just because someone is selling it – whether they’re a relative or not.
Still not sure what life insurance means? The simplest way to explain it is that life insurance is the insurance company betting that you will live a nice long life and you are hedging your bets, just in case. You’re transferring the risk of death (yours) to the insurance company in exchange for paying them your premiums. Is that a good deal? It depends on the circumstances and what type of life insurance you opt to buy. This is something about which you need to talk to a qualified Florida life insurance expert.
One thing to keep in mind is that ideally, you want to consider what stage of your life you’re at before you buy life insurance. For example, if you have no kids and are footloose and fancy free single, you might not need it yet. On the other hand, if you are the sole support for ill parents, you may need to rethink having it early.
The bottom line is this: think about your lifestyle and obligations to others. If you have questions, talk them over with an expert life insurance agent. They have various options and plans that will suit just about any situation.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visit Floridahealthcareinsurance.com.
Florida Health Insurance Rates Expected to Rise
With Healthcare Reform already passed an unexpected consequence has begun to occur: the rising of health insurance premiums. Beginning in January of 2011 all carriers are required to have their medical loss ratio(MLR) be equal to 80%.
What does this mean for the consumer? Carriers need to make up for you loss of profit and since guaranteed issue Florida health insurance won’t occur till 2014 this is one of the few options carriers have.
So if you are thinking about getting health insurance or want to see if you can get a cheaper plan it is better to act sooner rather than later.
For more information call Evan Tunis at 800.946.3157.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, visithttp://www.floridahealthcareinsurance.com/.
Need Medicare Assistance, Just Ask
If you are approaching the age of 65 or have already reached this age you have probably been inundated with offers regarding Medicare Advantage and Medicare Supplements.
But which plan is right for you?
Simply give us a call at 561.637.8162 and we will do a thorough analysis of your budget and needs and match you up with the proper Medicare Supplement.
Creative health insurance applications get revoked
How to get the best possible insurance rates
“I want the health insurance price that I saw on the website: the one that says preferred rating. It’s the best price so that’s what I want.”
And therein lies the conundrum of someone who wants health insurance but has no idea what they’re asking about. It’s a little like trying to buy auto insurance; until the company takes a good look at your driving record, they have no idea what they’re going to charge you. Until I know all your health issues, I can’t give you a rating. You have to tell me if you have diabetes, asthma, allergies – and you get the idea. If you don’t fess up now, you’ll get tripped up later and your insurance may be revoked for white lies.
When you’re buying health insurance, you’re signing a contract. If you lied on any other contract, you’d be in the dog house right? It’s illegal to give false information on a contract, so why would you fudge your health information? It doesn’t take long to find out if you have “been creative” on your application – after all, there comes a time when you submit your claims and if you submit for drugs for asthma when you said you didn’t have asthma; the cats out of the bag.
Pricing on a website is just that – a quote based on certain optimal factors. If you are not optimal – meaning in totally perfect health – then your quote will vary. It “has” to vary because if you have a condition that needs medical treatment and you need insurance, the insurance company is not a charity, and they are insuring you “as is” not as you would like to be.
Before you shop for health insurance, know that you will need to fess up about any pre-existing condition you have. I don’t judge you based on your health; I just need the facts to price a health insurance policy fairly. And really, isn’t that what you want? Fair health insurance prices for what you honestly “need?” No sense in being caught with your pants on the ground later if you fibbed about your health.
Give me a call, I have lots of options for you and would be happy to help you find what you need.
To Your Health,
Evan Tunis
Florida Healthcare Insurance
561.637.8162/800.946.3157
evan@floridahealthcareinsurance.com
Why you need Life Insurance Today
If you just about hit delete when you saw the title, HANG ON, I’m really serious about this for a very good reason. Prices for (meaning the premiums you pay) on term or non-permanent life insurance have plummeted just about 70% since they hit an all time high in the mid-90s. This trend just started to reverse and sneak up about 5% to 10% at the beginning of the year.
Wondering why the rates fell in the first place and if they could just stay down? Well, for term life insurance, the rates dropped for a number of reasons and the major one is that we’re living longer. If you outlive your term (number of years) the policy expires and you get paid absolutely nothing. What happened was that more people lived longer and their money went to the insurance company. When the insurance company made more money, they lowered their rates – a bonus to you.
Another reason term insurance premiums dropped is thanks to the Internet. Online shoppers started doing price comparisons while they were at home. Good for the shopper, but not so good for the insurance company who was losing business to the competition. The prices started coming down to be competitive which in the long run benefited everyone.
And the last reason why prices fell is linked to the stock market. What? At one time stock prices were fantastic and they aren’t now. What do stock prices have to do with insurance premiums? When insurance companies make money, they invest it. Their returns on investments offset insurance costs – or they have until the boom went bust. During the boom, insurance companies made money and that meant they could charge lower premiums. Since the stock market isn’t so attractive these days, premiums are starting to rise. The offset money has to come from someplace.
And here is what you need to know to make an informed decision about life insurance: the prices are at an all time low, but about to start going back up. To get what you need now would cost you less than if you waited. I’m here to answer your questions. Call me and we’ll talk.
To Your Health,
Evan Tunis
Florida Healthcare Insurance
561.637.8162/800.946.3157
evan@floridahealthcareinsurance.com
Changes in Florida Health Insurance Continue to Occur
What exactly does an Exclusion Rider mean for my policy?
When shopping for Florida Health Insurance it is important to understand what is means if you are given an exclusion rider.
An exclusion rider means a certain area ex. (knee) will not be covered under an individual insurance policy. Exclusion riders will not cover any injury or illness that is associated with the problem area.
It is always recommend to never get a plan that will have an exclusion riders.
To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurancevisit Floridahealthcareinsurance.com.
Group vs. Individual Health Insurance
When shopping for Florida health insurance it is prudent to first ask if you will need group or individual health insurance.
Group insurance is recommended for businesses over four employees and if someone has a pre-existing condition. Since group insurance is guaranteed issue, they cannot turn you down for medical coverage.
Individual insurance is usally recommended for individuals, the self employed and those who do not get insurance for there employer. Since these policies are medically underwritten they are most always less expensive then group insurance.
If you have any questions please contact Evan Tunis at 800.946.3157.
Evan Tunis is with FloridaHealthcareInsurance.com, the leading provider of Florida health insurance quotes. To learn more about Florida health insurance, Florida health insurance quotes, Florida life insurance,Florida life insurance quotes, Florida group health insurancevisit Floridahealthcareinsurance.com.
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