Florida ltc insurance quotes
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/.
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
How Health Insurance Reform will Affect Florida Residents
Since yesterday night we have been receiving calls on just how the new health reform will effect Florida Residents. Here are a few questions and answers.
Will the new law cover pre-existing conditions? The good news is yes it will. However if you are looking for a plan today, keep waiting we are looking at the year 2013 at a minimum for a major medical to cover pre-existing conditions.
Will there be lifetime limits on my new policy? The short answer is NO. All policies will have no lifetime limit.
If you have any questions regarding the reform or would like a quote on a new policy please call us at 800.946.3157.
To Your Health,
Evan Tunis
800.946.3157/561.201.8387
evan@floridahealthcareinsurance
“Even with the Public Option, You Need Florida Health Insurance for the Next Four Years”
Even with the Public Option, You Need Florida Health Insurance since the “exchange” and public option, if passed, won’t be available for 4 years.
Under both the House and Senate versions of the healthcare reform implementation will not occur till at least 2013.
The House bill doesn’t even require full funding until 2019.
If you are waiting on the public option to get Florida Health Insurance you will be waiting for at least 4 years so give us a call and let us see how we can help.
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
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Understanding The Difference between Life Insurance and Long Term Care
When thinking about retirement and estate planning two of the biggest things that are needed are life insurance and long term care. But Just are the major differences and what does long term care cover?
Life insurance is meant as protection for a family. Long Term Care Insurance is in many ways like life insurance as it protects the family from the crisis that occurs when a family member needs care. Families are generally the first line of assistance when someone needs care. The responsibilities of the family include physical, emotional as well as financially.
If you would like to learn more about long term care or life insurance please contact Evan Tunis, owner of Florida Healthcare Insurance at 800.946.3157.