Providing You Protection Today, Building for Your Tomorrow
Medicare Education Classes
I am starting to work on some community education classes for those getting ready to enter or already enrolled into a Medicare plan. Covering the basics with some tips and tricks to get the most out of your Medicare benefits.
Dates and times will be posted as soon as they are scheduled.
But my house doesn't even cost that much…
One of the biggest questions I get when reviewing someone’s insurance program is:
Why is my dwelling coverage so much? I didn’t even pay that much for my house.
When I evaluate your protection program, to be honest, I really don’t care how much you paid for your house. I mean I do, but I don’t, because if your house was damaged my goal is to make sure there is enough coverage for you to rebuild it the way it was before it was damaged. Your homeowners policy should have the proper coverages and be updated at least every other year because building cost change.
The easiest way I can explain it is if you think about how close the fire department is. Now lets say your house catches on fire, what are the odds that the fire department won’t get there in time to put the fire out? Whats going to happen? Most of the time, they are going to be able to put the fire out, but that is just the damage from the fire. If you have ever been around a fire, you will probably notice that the smoke causes just as much damage, not to mention the water damage from the fire hoses.
It is a simple fact that the cheapest way to build something is from scratch, however if you are unlucky enough to experience a fire in your house or business, it will cost you much much more to cover the clean up of the smoke and water damage than the actual fire itself.
So if you happen to experience a situation like this, there is a really good chance that the clean up and fix it costs could run higher than what you paid for your house.
This is just one type of situation that could cause your repair bills to exceed the price you paid for your house, and there are many others. So the message of the story, is to make sure you review your coverages with an educated professional that can explain what is going on.
Each company uses a slightly different evaluation method, so get an idea from a few different companies and make sure you are covered to your actual replacement cost.
Google predicts Flu Trends
Based on the words you search for when you visit www.google.com, google has found a way to track the actual flu trends.
According to their research, their research on the search terms reflects pretty accurate results about two weeks before the CDC releases their reports. Interesting huh?
find more information here: Google Flu Trends
Do you have Life Insurance
Last report I read said that the death rate for humans is still 100%, with that being said, do you currently have life insurance to protect the ones you love?
[poll id="3"]
In case you missed it, here is…
In case you missed it, here is Obama’s speech from earlier tonight. http://bit.ly/JSeTz
the health debate notes
If you have insurance, this plan will provide stability and security by:
- Nothing in this plan requires you to change what you have.
- It will be against the law for insurance companies to deny you because of a pre existing condition.
- It will be against the law for insurance companies to drop your coverage
- Insurance companies will no longer be allowed to place a cap on lifetime benefits
- This plan will place a limit on out of pocket expenses
- Insurance companies will be required to cover preventative care
If you are currently uninsured:
- An exchange will allow you to shop for coverage and you may pick from private and public plans
- Those that can not afford insurance will get credits to purchase coverage
The exchange will take effect in four years.
Young and healthy – not getting coverage, businesses choosing not to cover their employees
- Those that choose not to get coverage cost the rest of us money in higher premiums
- You will be required to carry health insurance like you are required to carry auto insurance
- The public plan would only be available to those with out health insurance through the exchange
How do we pay for this plan
- Provision that will bring about more spending cuts if there is a chance it will add to the deficit
- Savings in the system will help take care of the majority of the expense of the plan (medicare & medicade)
Medicare address
- Not one dollar of the medicare trust fund will pay for the public plan
- Will eliminate the excess money going to private plans that do not improve care (medicare advantage)
- Savings will fill the gap in coverage of the prescription program (no more dougnut hole) – needed bigtime!
- Tort reform (medical malpractice lawsuits)
I hope everyone is watching th…
I hope everyone is watching the president speak right now
Welcome to LIAM! Life Insuran…
Welcome to LIAM! Life Insurance Awareness Month
@FawnKey you might try http://…
@FawnKey you might try http://bit.ly/gtrvs
to start with. I am not a big microsoft fan, but it is a free scan.