Aug 13

Florida Blue Medicare Plans

When it comes to choosing a provider for your Medicare coverage, you have plenty of choices. The truth is, you have a lot to think about. But does it really matter what company you choose to provide your benefits and can it impact the way you receive health care? Absolutely. Florida Blue Medicare plans are preferred by most Florida seniors for a reason. With affordable rates, trusted coverage and the perfect plan to fit every lifestyle, it’s easy to see why they have become the premier provider for Medicare in Florida.

Affordable Medicare Plans

These days, everyone is looking for a few ways to save money. With Florida Blue Medicare plans, securing a low rate is easy because they can offer discounts and reduced rates that many newer companies cannot. The reason is simple. Florida Blue has been serving the residents of Florida for generations and they’ve built a solid customer base of happy satisfied clients. As a consequence, they’re not driven by profit margins, and don’t need to be concerned with building a loyal following. Instead, they can offer deep discounts and low rates creating the most affordable Medicare plans to keep you happy.

A Plan for Every Lifestyle

With Florida Blue, you’re sure to find exactly what you need to fit your lifestyle and your budget. If you’re looking for an affordable way to reduce costs but still get the coverage you need, a Medigap plan may be the right choice. If you’re only looking to add prescription drug benefits to coverage you already have, there’s a plan for you too. And if you need comprehensive coverage, including dental, vision and more, the perfect Medicare Advantage plan is available. Florida Blue Medicare plans are available for every lifestyle, even if you’re not exactly sure what you’re looking for.

Coverage You Can Rely On- No Matter What

One of the biggest advantages to choosing Florida Blue Medicare plans is the peace of mind that comes from knowing you’re protected by the best. With a solid reputation built through years of exceptional service, Florida Blue has earned the trust and respect of seniors from Jacksonville to the Florida Keys. There’s a reason why Florida Blue Medicare plans are the leading choice of seniors in the state- trusted coverage, affordable prices and the perfect plan for your every need. That’s coverage you can rely on when you need it most.

Jul 28

Term Life Insurance With No Exam

Of all the available life insurance, term life is the simplest and least confusing. In fact, people turn to term life insurance because it’s inexpensive, easy to understand and most importantly, can be purchased quick and conveniently without a medical exam. Term life insurance with no exam is in high demand and more and more people are finding dependable coverage without an intrusive exam, lengthy waiting period or a complex approval process.

No Exam Life Insurance

It used to be that if you wanted to purchase life insurance, you had to visit the doctor for tests and sit through an invasive medical exam. Luckily, quality life insurance coverage can be found without taking an exam. In fact, the approval process begins by just answering a few general questions. No exam coverage is a popular request because people are not willing to endure a lengthy process, and need reliable coverage now, not later.

Term Life as a Solution

Whether you have health issues you’re not willing to disclose, or you simply don’t like going to the doctor, term life insurance may be the solution you’re looking for. With coverage available for 5, 10, 20 even 30 years, term life is a smart strategy for a variety of financial planning stages and is available with no medical exam requirements. In addition, term life tends to be less expensive than traditional life insurance coverage and in many cases, can be secured in just a few days.

Finding the Right Term Life Insurance With No Medical Exam is Easy and Convenient 

Why go through the hassle of a complex and long waiting period for life insurance when you can find, compare, and buy term life insurance easily and conveniently from the comforts of home. With online access and advanced quoting technology, it’s never been easier to find reliable quotes from top providers, that include both “no exam” and “exam required” policies. Get the confidence and peace of mind you deserve in a top of the line term life insurance policy. With cutting edge quoting technology and a quick application and approval process,  it’s never been easier to find quality, affordable term life insurance with no exam required.

 

May 24

Do I Need a Burial Insurance Policy?

funeralTalking about burial insurance can become a very touchy subject. In some cases people have no idea what it even is. This article should be able to break that down for you so that you can fully understand what burial insurance is and who needs it the most.Lets face it, it is not cheap when someone passes away. The family usually has to pay for funeral homes, headstones, cremation, and anything else that has to do with the deceased. It does not come cheap either. Not many people think about the cost of death that is why burial insurance is very important to help afford your final expenses. Burial insurance is also considered a whole life insurance policy. Like most insurance you are granted a sum of money that will cover the majority of what you need paid for after you have passed. Yes, you are still paying even after you die. Normally people buy burial insurance so that it covers the funeral costs for themselves. It can cover just yourself or it can cover the whole family, depending on what you purchase.

Some people might be confused when it comes to burial insurance being whole life insurance. Sometimes they wonder if they need burial insurance if they have life insurance. Well think of it this way, life insurance can help if something goes wrong while you are alive. Usually life insurance companies are not factoring in funeral and burial costs when they are calculating the life insurance policy for you and your family. That is why they are considered two different things.

Burial insurance is a great option if someone does not want the beneficiaries getting into the fund from there life insurance policies. This usually happens when you try and add this onto your everyday life insurance policies. Now the question that some people ask is when they should get burial insurance. Not to make things morbid but burial insurance is best purchased when you are still at a younger age. This is because you are still young and healthy, no disease is obtaining you and you may or may not have a lot of health issues.

May 23

Shopping For Car Insurance Online

It is becoming more and more common for people to buy their own car insurance online due to the numerous advantages online shopping offers. Whether you are looking for the lowest possible premiums or simply wanting to compare coverage amounts, there are many reasons that you should be shopping online for car insurance.

Today, every major car insurance company, and most of the minor ones, has an online presence. This allows you the opportunity to compare coverage amounts, prices and other differences from the comfort of your own home. Without shopping online, you would have to call or drive all over town to get this information. In fact you can do a search for a site like Auto Insurance Florida, and quickly get quotes from multiple carriers all in once place. Once you have all of the information from numerous companies you can compare coverage amounts and premium costs to determine which company is the right one for your specific needs.

Perhaps best of all, shopping online is a low pressure way to decide which policy and company is right for you. Though there are fancy ads online, there are no high pressure sales pitches. There is no fast talking insurance agent pushing you to sign up for coverage through his or her company. However, if you do have a question, there are plenty of options for getting the question answered online including online chat.

Another point of comparison between insurance companies is the discounts that each company offers to customers. For example, if you have completed a defensive driving course or have gone years without an accident, insurance companies will likely offer you a discount. However, the amount of this discount can vary widely from one company to another. When shopping for insurance coverage online, you should remember to gather information on the discounts that you will be eligible to claim from each company.

Online shopping isn’t just for comparing companies. Insurance policies can be purchased, claims can be made and most other insurance transactions can be completed online. With the services that insurance companies provide online, you may never need to step inside an insurance agent’s office again.

May 22

Shopping For Health Insurance For Children

child health insuranceMost parents know that having good health insurance for their child is one way to ensure their well-being. It is the responsibility of a parent to ensure that their child’s heath is taken care of. Good health helps children develop properly and perform well in life and school. Going to the doctor for regular check-ups and everyday childhood illnesses are a major part of growing up. Unfortunately, health insurance is extremely expensive. Below are some ways you can get lower rates for child only health insurance so that you are not compromising their medical care.

One way to get cheaper insurance rates is to join a group insurance plan. If you have a job and your employer offers insurance for the family, it is simple to add your child to your life insurance policy. Notify your employer upon the birth of your child and coverage should begin immediately. Of course, your rates will go up a bit, but this will give you a less expensive way to insure your child without buying private health insurance for them.

If you are not employed, or if your employer does not offer health insurance, you will have to look for private health insurance for your child. No doubt it is going to be more expensive than a group policy, but there are some companies that are a lot cheaper than others and still offer good coverage.

Shop around and compare low-cost policies that offer family coverage. Compare each policy carefully. Just because two policies cost the same amount of money, it does not mean they offer the same coverage. It is always a good idea to check to see what is not covered as well.

One way to keep your costs down is to have a higher deductible. Raise your deductible to a comfortable enough level where you can still pay it if you need too. By doing so, your monthly premiums will be lower.

Another way to find a lower cost policy is by going with a HMO insurance plan as opposed to an indemnity plan. The HMO will cost less, but will have restrictions on how and where you go for treatment. Most HMO plans offer free preventive health care such as immunizations and yearly physicals.

Having health insurance for your children is important. Take the time to shop around and find a policy that meets the needs of your child and your family.

May 20

Term Life vs. Whole Life Insurance

Purchasing life insurance is something most of us will do at some point in our lives. Understanding the difference between term life and whole life insurance will help an individual determine what kind of coverage is needed.

Term Life Insurance
Term life insurance is the simplest to understand and the most basic policy to obtain. This insurance is purchased for a specified time period. It could be for only a year or for thirty years. The person is only covered within the designated time period. Term insurance will pay the face value of the policy to the beneficiary.

Whole Life Insurance
Whole life insurance covers a person for his or her entire life. Whole insurance usually combines what is covered in a term policy with some sort of investment option. This means that part of the higher rate a person pays for whole life insurance goes into a type of savings that accumulates interest and increases in value over time. Sometimes the interest can eventually pay the premiums for an individual. They would no longer be paying on the policy but would still be covered. Whole life insurance can be broken down into three categories. Traditional, universal, and variable each offer something slightly different.

Which Type is Best?
In general, term life is best for most younger people and those on a budget. Whole life insurance is almost always more expensive since part of the money is being invested. Another aspect to consider is that term life insurance premiums may increase over time, while whole premiums remain the same. Some experts suggest only buying whole life insurance if a plan is needed for more than fifteen years and the person is in a position to pay higher premiums for the investment option.