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Health insurance costs: If you must attract big discounts, then you must NOT miss certain things. I'll discuss a good number of them in this article...

1. If you earn little then you may be eligible for Medicaid. Different states have different eligibility criteria. But fundamentally, they are for families with low incomes. Having a job doesn't make you ineligible.

It would lower your cost if you or any family member meets the criteria. Therefore, verify from your state's Medicaid program.

2. There are people who are not eligible for special health insurance for low-income earners and at the same time don't really earn enough to easily pay for regular health insurance. If you are one of such, then you can reduce your budget for health care by getting a discount medical card. So what are they?

With this special kind of card you are given medical attention from a network of health care professionals who have agreed to render services to card carriers at more affordable rates. Such cards are not issued by insurance companies.

It's as well a great alternative for people who may have a pre-existing ailment that will make them uninsurable with most health insurance companies or make them pay very exorbitant premiums. There are no exclusions for any reason. You only need to pay a monthly subscription to qualify to use their network of doctors.

3. Phone med services will help you reduce your costs. These are free community services that provide medical advice by phone 24/7. You have at least a registered nurse with a minimum of ten years experience on hand to offer free medical advice you can trust. Local clinics provide free medical help by phone in most cases.

Although this does not take the place of seeing a doctor, they can actually reduce your cost by bringing down the number of visits you make to a doctor.

The help you get from them could also help you take safety measures that will prevent a serious ailment. For these and other reasons, use these free medical services.

4. The amount you're prepared to contribute to payments for each time you see the doctor has an effect your rate. This is known as your co-pay. Raising your co-pay reduces your premium. If you hardly ever have to see a doctor, you may save a lot by selecting a high co-pay.

5. You can get higher premiums just because your vocation exposes you to many hazards. You can reduce your rates if you change to another profession that doesn't expose you to hazards. If your work exposes you to dangerous chemicals, for example, your premiums will be much more than that given to a comparable profile who maybe works as a cashier in a bank.

6. As you take other steps to cut down your health insurance premium, here's something you can do to get lower rates today. Visit good quotes sites and get quotes. Visit at least five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the forms presented. Thereafter, simply choose the offer that represents the best price/value from the quotes you've obtained.

Here are great pages for health insurance quotes...

InsureMe Health Insurance Quotes

Health Insurance Quotes

Chimezirim Odimba writes on insurance.

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Some insurance companies have health plans that are designed specifically for the sole proprietor or the self employed individual. At first glance, these plans look enticing to sole proprietors that are searching for affordable health insurance.

However, when taking a closer look, these plans are mediocre at best. They tend to be expensive, have limited health care benefits and one of the biggest draw backs to many of these sole proprietor plans is that they come with high deductibles. This is not what many self employed individuals have in mind when it comes to finding affordable health care coverage for themselves and their families.

So what's a small business owner supposed to do? Here's a tip that we've been using at our company for many years to help self employed business owners use to qualify for group health insurance rates.

Simply put your spouse or a family member on payroll. You can pay them minimum wage and for as little as 20 hours per week. What this strategy does for you is this; you now have 2 people working for your company. You can still file your schedule C as a sole proprietor like you always have and your spouse or family member will receive a paycheck every 2 weeks or so. Now because you have 2 people working at your company, presto, you can qualify for group health insurance! You will have unlimited possibilities of health insurance plans available to you.

Once you find the health insurance plan that fits your needs, all you need to do is apply and provide a W-4 form to the insurance company for your "new employee." Your spouse or family member simply "waives" his or her coverage. You now have group health insurance coverage that will save you plenty of money and provide you with the great benefits that you have been looking for.

Call us today if you would like see how this strategy can work for you.

Bill Behr is a partner at http://www.healthplansny.com a leading group benefits provider serving the New York Tri-State area. We specialize in showing small business owners unique and innovative ways to save money and improve their benefit plans.

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How much does a Commercial General Liability Policy cost?

Great question but it is too broad to answer unless, we have all your details to quote. However, generally speaking, I have issued insurance polices as low as $700. Again, you need to contact an insurance broker or agent to find out the total cost because every type of business has a different risk associated with it.

What is General Liability?

General Liability provides a company or individual coverage and protection against losses from a lawsuit. The policy covers defense costs for charges brought forth in a lawsuit, including attorney fees, investigation costs, and other legal expenses. General Liability will cover a company or sole proprietor for damages awarded to a third party in the event of injuries or damage's which the company or individual insured becomes legally responsible, including loss of use of property claims.

What is an additional named insured?

In a lot of cases Construction contractors frequently require additional contractors to complete different phases of projects and will add the sub contractor to their general liability policies as additional named insureds. It is a precaution in the event that the subcontractor becomes legally liable with charges alleged for their workmanship or the result of an injury to a third party. One example, is an unsafe work site where a person becomes injured because the area was not safe. Insurance companies need to know about all sub contractors and their experience for a contractual indemnity agreement whether they have their own insurance policy or not.

What do I do if I have a claim?

If a claim occurs, you need to immediately contact your agent, broker or insurance company. You will then need to provide all pertinent details on how the claim happened and provide witness information as well as time date and location. Try to gather as much information as you can to make it easier for you and the insurance adjuster.

What is a hold harmless agreement?

Hold harmless agreement's, promises to reimburse or defend, the other party included on the agreement against legal liability lawsuits or claims brought against by third parties. Hold harmless agreements will transfer the risk of financial loss from one party (the insured) to another party (the defendant). These types of agreements are quite common, however, the underwriter will usually want to see a copy of all hold harmless agreements before they offer a commercial liability quote.

What is Workers Compensation (Workplace Safety Insurance Board) of Ontario?

Workers Compensation (WSIB) insurance provides certain payments to an employee who suffers an on the job injury due to an accident or occupational disease.

Do I need Worker's Compensation (WSIB) if I am the sole proprietor?

This is a good question and asked quite often. You are not required to purchase Worker's Compensation WSIB Insurance if you work alone or if you have no employees. You can exclude yourself from Worker's Compensation by obtaining a waiver of Subrogation.

What happens when an employee injures themself on the job site or work place; does general liability cover them?

Employees are excluded in lawsuits and have no coverage with respect to injuries sustained by the named insured, its partners or members, or to another employee or volunteer. This would be a workers compensation issue.

What is a Certificate of Insurance?

Certificate's of Insurance are issued as proof of insurance to contract a project. Contractors may have many certificate issued to separate projects. The certificate is a document providing the insureds name, the liability limits, the effective dates of the policy, as well as, the brokers name and address.

Dave Melanson is the author of http://www.carandhome.ca and has been working in the insurance industry for more than 14 years as an agent and a broker. Dave's areas of expertise include: auto, home, boat, motorcycle and commercial insurance. Dave has consulted for Canada's top consumer insurance advocate and has been interviewed on insurance related topics with CBC news and the A Channel News.

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Many people believe that term life insurance is only for younger people who are making sure their spouses, kids, and home mortgage will be paid for if they pass away. However, people are enjoying longer and more productive lives these days. After all, in 1900 a person could expect to live an average of 47 years. By 2005, that figure had increased to over 77 years! insurers take longer life spans into account.

Furthermore, all of the obligations that we had planned on taking care of before retirement age do not always vanish as planned. Sometimes people get to be 65, and they still have mortgages to be paid, spouses to support, and even find that their kids still need help. So, just as people are living longer now, their need for life insurance extends well into the senior years.

Another reason older people may want a term life insurance policy is to cover a business deal or an essential employee in a company. If large sums of money are paid out for a contract, and a senior citizen will be needed to perform that contract, a party to the contract may want to be sure that their investments are covered.

Now an older person will probably need to look at policy terms of 15 years or less. I doubt that many insurers would offer a 30 year term life insurance policy on a 70 year old, because than they would be insuring that life until age 100. If you want coverage until age 100, than you need to look at whole life insurance instead.

But people are living longer, and insurers have noticed. After all, according to the Department of Health and Human Services, a man who is already 70 years old can expect to live an average of over 13 more years, and a woman can expect to live over 15 more years. These are average, and a life insurance company will take an individual's health history into account. So you can certainly find insurers who will cover a reasonably healthy seventy year old until age 80.

In fact it is sort of an irony of age related statistics that arriving at a certain age, makes it more probably that the individual will survive many more years. For instance, according to actuarial tables, a 50 year old man would have an average life expectancy of about 78. But a 70 year old man, by virtue of having survived that milestone, can expect to survive until 83. Of course, no table can predict individual lifespans, but the insurance companies do a very good job of predicting average lifespans for the large group of people that they insure.

The cost of a moderate term life policy should not put you off either. For $100,000 in term life, a 70 year old woman who has good health habits and reasonably good health could find rates less than $40 a month. Men's rates will be slightly higher in the same age and health class. Now large policies, in the millions of dollars, may cost a couple of hundred dollars a month, so it would be important to consider how much life insurance you really need to cover any debts or obligations.

Find accurate and reliable information and quotes for term life insurance over 65 and no medical exam term life insurance.

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Lots of annuity sales with this Tool. Most of our competitors hammer us and our prospects about the surrender penalties in annuities.

7 years, 10 years, 17 years - YIKES!

I look at it differently. I love surrender penalties because they provide me with lots of future prospects and clients. How can that be?

It is the exclusion ratio. The exclusion ratio has made more annuity sales for me that anything I can ever think of. The exclusion ratio is a benefit we should all make certain our clients and prospects are aware of. Explain it this way:

If you convert accumulated funds in an annuity to an income stream you can access the exclusion ratio. The exclusion ratio is the percentage of income that is excluded from tax liability.

I like this example

A $50,000 deposit has grown to a value of $100,000.

If the annuitant takes any funds from this account it is 100% taxable at ordinary income tax rates.

In our example lets pretend that the annuitant selects a 10 year payout and we will round off the calculations for the sake of illustration.

$100,000 will provide an annual payment of $10,000 for 10 years.

$5,000 basis and not taxable, $5,000 interest and taxable.

The $5,000 basis is the exclusion ratio.

Because we have accessed the exclusion ratio we can spread out the tax liability over the selected time period which in our example is 10 years. This means that only 50% of the income received is taxable. By spreading out the payment we have spread out the tax liability!

An annual payment of $10,000 will only have 50% tax liability. Mrs. Prospect, this allows you to completely manage your annual tax liability and to take advantage of the Exclusion Ratio.
How about selling the exclusion ratio to the client for the beneficiary?

Mrs. Prospect did you know that when your daughter receives these funds as your beneficiary she can also access the exclusion ratio?

Your beneficiary can accept the funds out over a fixed period of time and spread the tax liability over the payout period.

When a prospect asks me about surrender period I always say this:

Mrs. Prospect, you cannot enjoy the benefits of this contract unless you allow the insurance company to hold your funds. There are many benefits you can enjoy with this product, have you ever heard of the exclusion ratio?

I use the power of the contract and the exclusion ratio to explain the need for surrender period. Easy to explain and makes for very happy clients. This is especially good when someone comes to me with an existing annuity. Often times they are not happy and did not understand the time period for the surrender penalties. I would say this..

Mrs. Prospect, unfortunately your agent did not really understand your contract well enough. It is really not his fault; he probably did not have access to the training that I have had. Let me explain a terrific benefit of your contract, the exclusion ratio.

Once I am able to explain this powerful benefit it is easy to sell another annuity to her. The benefits of the contact sell the annuity for me.

Bill Broich is a 30 year annuity salesman who helps agents increase their annuity sales. Visit his website to learn more. Annuity.com.

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