florida health rates
5 Conditions that raise Florida Life Insurance Rates Most
When it comes to Florida Life Insurance your health is the main factor in your premium. Fact, the healthier and more active you are the cheaper your rates will be.
Here are the Five Things that will will raise the price for your Florida Life Insurance
1. Heart Disease
2. Diabetes
3. Cancer
4. Obesity
5. Pulmonary Disease
For more information of Florida Life Insurance please contact Evan Tunis at 800.946.3157
Want an Honest Quote on Health Insurance Ask for a Pre-Screen
When shopping for Florida Health Insurance it is easy to find several quotes from various carriers within minutes. However a question you should ask yourself is are the quotes accurate?
According to Evan Tunis of Florida Healthcare Insurance, “In most cases quotes online are only quoting individuals with optimal height/weight and who have no hospitilizations or medication. If you have any of these factors the quote will not be accurate.
Tunis advises for all clients to ask for a pre-screen from a broker who represents all the major carriers.
“A Pre-Screen” is a likely outcome for a client based upon an underwriter looking at a potential customer. The pre-screen will determine if a client will be considered standard, denied, rated up or have certain things excluded.
It is important before any policy is submitted to have a pre-screen done so you know exactly how much to budget for a Florida medical plan.
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/.
Expect Longer Underwriting Times for Florida Health Insurance
A few years back Florida Health Carriers were bragging about how quickly health applications were being underwritten. For example is was quite common for an application written on Monday to be approved by Wednesday.
However due to Health Reform this is changing. Due to healthcare reform carriers are not allowed to rescind any policies in except for cases of fraud.
What does that mean for you? It means if you need Florida health insurance an application should be started at least 6 weeks before the effective date.
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/.
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/.
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
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/.
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
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.
When to Start Looking for a New Florida Health Insurance Policy
A common question I get from consumers is just when do I need to start shopping for Florida Health Insurance?
The simple answer is anytime. If you are feeling you are paying to much for a policy get a quote from an established broker who can advise you whether or not your premium is to high or low.
Evan Tunis of Florida Healthcare Insurance says, “Many consumers keep paying their premiums without ever considering if they could get a better offer on the market.” I have seen clients save thousands of dollars a year with just a simple phone call.”
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 insurance visit Floridahealthcareinsurance.com.
Avoiding These Florida Life Insurance Mistakes
- Not considering life insurance at all. Life insurance forces us to take a look at our own mortality, a subject most people would prefer to ignore. In fact, one third of all adults have no life insurance at all.
- Relying on rules of thumb. When d eciding how much life insurance you need, avoid common rules of thumb, such as five to 10 times your annual salary. These are general guidelines and are not meant to be a definitive guide to the amount of coverage you need. You need to determine how much money your family requires annually to maintain their standard of living and how long they will need that money. Once you have these estimates, you can more accurately calculate the amount of Florida life insurance coverage for your family’s situation.
- Not evaluating your situation periodically. Your life insurance needs are likely to change over time. Thus, you should periodically review your needs to see if changes are warranted.
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 insurance visit Floridahealthcareinsurance.com.