Infinite Banking Concept

I recently started a system of my own and I cannot tell you how much I am relieved to have done so.  In this economic climate, no one is sure what the next 5-10 years holds.  This vehicle for your financial strategy can help.  Watch the whole video and contact me if you have more questions.

How To Achieve Longevity

Via: TermLifeInsurance Blog

Saving vs. Investing

I am an avid supporter of the IBC (Infinite Banking Concept) and have been studying these principles since 2005.  There is a huge misconception between savings and investing.  You will see in many publications, particularly ones that support 401k's and mutual funds, use the term saving instead of investing.

Read article here

This article by Dwayne Burnell, is an enlightening appeal to the financial thought process.  A whole life insurance products that supports the IBC concept can provide for steady gains and extremely limit loss while still providing for retirement.  

Lifespan Vs Wealth

I came across this video describing the relation between the world's lifespan versus its wealth. Hans Rosling puts together an incredible way to digest raw data.  Not only is it cool, but the trends it shows is very dynamic.

What do you think will be the continuing trend?

I hate to be cynical, but I do not think that our lifespan will continue to lengthen.  If we continue to neglect research for disease and do not pursue major breakthrough's then the lifespan will not increase.  I do however feel that our wealth will.  The reason being our economic history has proven that it can and will bounce back.

This will raise a ton of questions about health care for our future.  

Like,

1.  If our wealth and health continue to improve why is our health insurance such a massive point of debate?

2.  Why is it so expensive if we are healthy?

3.  Does it need the huge overhaul?

This is an epic insight into America's hot topic of health insurance and I hope that many will see it.  Please pass it along.

Posted via email from bnice's posterous

Health Care Made Easy

Click to enlarge

Do you think it's good to laugh at ourselves sometimes?

The Truth About E-Cigarettes

When talking about health, it helps to understand what substances can do to your body. Here is an infographic that breaks down the advantages and disadvantages to e-cigarettes.


Via: the TermLifeInsurance Blog

Charleston Voted Most Attractive

I came across this little nugget saying that Charleston residents are the fairest of them all.  Shout out to all my peeps, ya'll are looking good!

Read Article

Posted via email from bnice's posterous

Don't Postpone Purchasing Insurance

I have an article here from a friend of mine that sounds all too familiar.  I often hear these same words and it is shocking to me.  I'll let you read it for yourself.

"I don't need health insurance since I am healthy". No matter how often I hear that it never makes sense.

The guy in the casket at the front of the church probably could use some life insurance but unfortunately it is too late to do anything about it.

Same for health insurance.

You can't buy it once you get sick.

Almost 2 months ago I was referred to a lady who would be needing health insurance when her COBRA expired at the end of September. I called and was told she was busy with other things but she would get around to it soon.

Over the next few weeks we had sporadic contact and then about 3 weeks ago she finally got serious about it. After going back & forth on options she finally agreed to complete an application for coverage. Even then it was a challenge to keep her on task.

Last week she faxed the application to me for review. The next day she emailed to say she had an exam including a colonoscopy scheduled for a few days later. We went through several questions, including questions about any symptoms or family history that might have prompted the colonoscopy.

She assured me there was nothing in her history but her doctor thought it would be a good idea.

By now the only thing we could do was submit the application and hope for the best. During the phone interview with the underwriter they noted she had filled a prescription for Movi-Prep . . . a medication to purge the bowels in advance of the exam.

The carrier opted to postpone taking any action until AFTER the colonoscopy. They were well within their right to do so.

Fast forward to today.

I got a call from her ex, telling me the results of the exam. They found 6 polyps and have sent them off to pathology and are awaiting the results.

Hopefully she will have a good prognosis, but this does put a kink in any plans for applying for health insurance. Now she will have to wait 12 months at a minimum, have a follow up colonoscopy and hope it is clear. Even then, there is no guarantee she can get coverage then.

And about that expiring COBRA . . .

Her only option now is to apply for coverage through the state risk pool.

Sometimes when an agent suggests moving forward it is best to listen to them rather than putting off a decision that limits your options.

If she had applied for the coverage this could have been avoided.  Thanks Bob.

Read full story here... 

Night Owls Smarter than Early Birds

I know this is a little off topic for me but I found it very interesting.  A study shows that those who go to bed later in the evening are generally smarter than those who retire early.

Now it is yet to be said if this particular behavior is healthier than early risers but I would think that if the behavior is within a routine or repeated patterns then health would be the same for both.

I have always considered myself a night owl.  And this article confirms that more creative and intelligent juices are prevalent.  Take a look at this study and let me know what you think.

Read more here...

Individual Mandate is a Serious Crime

Who said the Individual Mandate is not evil.  What exactly will our punishment be if we don't comply.

Benefits to Drinking Alcohol?

I recently came across an article about the merging of two government research organizations (NIAAA, National Institute for Alcohol Abuse and Alcoholism and NIDA, National Institute on Drug Abuse) and whether or not it would be beneficial.

It seems that the argument is based on what the alcohol industry wants us to hear.  It is plainly obvious that current drug laws have a "historical and cultural bias" being that drugs are bad and alcohol is socially acceptable.

So now the alcohol backers are feeling discriminated against?  You don't want alcohol in the same boat as drugs?  Why not?  Currently both organizations research nicotine.

Alcoholism is a disease and alcohol itself is widely considered a gateway drug.  Can we not research the negative affects?  More light needs to be shed on this issue.

Read more here...

Blood Alcohol Content

This topic is a bit out of the ordinary for me but it is still of interest to me and I think it does have an indirect affect on our country's health.  Interesting facts and notice that America and England are two countries that have the highest alcohol tolerance.


Via: Term Life Insurance

Health Care in a Nutshell

This is a cute little video for those who want to understand what is in the Health Care Bill. It sounds great in theory and there are still many unanswered questions. See for yourself but get all the info before coming to a decision.  More info here.

Most Hazardous Jobs

I was very surprised that they grouped sales people and truckers together.  And on top of that, sales workers were killed more than police.  I may need to change my profession, it's dangerous.

 

Via: Term Life Insurance

Posted via email from bnice's posterous

The 27 Club: Death of a Rockstar

Via: Term Life Insurance

 

 

It's hard to believe that they all passed at 27 years old!  Funny thing is if they had applied for life insurance after they had drug or alcohol problems, they probably would have been denied.  So the tip of the day is, get your life insurance before you binge on alcohol and drugs.

Posted via email from bnice's posterous

61% Favor Repeal of Health Care Law

I don't know about you but I think I'm in that 61 percent.  Most everyone I speak with has an opinion on the matter.  As a Healthcare Benefits Consultant, I can honestly say that I think we are all going to be ok with Health Reform after the 2012 election reather than the mid-terms coming up in November.

The reason is once the GOP, or Tea Party takes control away from the Democrats this fall, an attempt to repeal any part or all of the Healthcare bill will be vetoed by Obama.  The most that will happen is a stand still on the issue until 2012.  Then we will see the Presidential nominee's campaign on the issue in hopes that America will vote for them.

And here is where we should see major change in the reform bill.  I beleieve there will be a repeal of the bill but there must be something to change it to (you can't take us back to where we started from).  And here is where we will see items that could change the costs of Healthcare here.  Personally, I'd like to see tort reform, drug reform, and an expansion on programs like medicaid and medicare.  

Who can tell.  One thing for sure is that Americans got a big dose of BS from their government and are going to speak out about it.  So take your warning now politicians.  The american people know who you work for and they are going to demand justice and fair practice from their governing officials.

Here are the polls about HealthCare

Posted via email from bnice's posterous

Save My Commissions, Vote Against Democrats

I feel like the cows that advertise for Chic-fil-A. Most if not all insurance carriers are highly anticipating the fallout of the first round of Obamacrap regulations to roll through tomorrow.

I personally do not agree with it and I hope that it is repealed for two main reasons:

1. Health care cost more now than it did before,
and
2. I am going to make less money.

Nearly every plan that I can offer is potentially cutting our commission by as much as 50%.  Now if you can imagine, half my pay is on the chopping block.  SO get to the polls and help a brotha out.

I don't care if it's Libertarian, Republican, Tea Party, get the Dems out and repeal that bill, for my sake lol.

World's Most Dangerous Jobs

Crazy cool jobs I wish I had the guts to do.  I sell insurance instead lol.

Posted via email from bnice's posterous

Top 5 Jobs Not to Have Without Life Insurance

Everybody should invest in term life insurance. Unless you have no dependents at all, and have enough money in the bank to cover your final expenses and debts, you need some coverage to make sure you don’t pass a burden on to someone else. That said, however, there are some jobs which are a little more poignant in showcasing your need for life insurance than others.

Here are some jobs you shouldn’t be caught dead doing if you don’t have term life insurance:

Read the full story here

8 Simple Steps You Can Take to Reduce Your Exposure to Identity Theft

There's no foolproof way to avoid having your identity stolen, but there are a number of precautions you can take to minimize your odds of being a victim.  Here are a few of them:

1.  Monitor your credit report.  Many consumers don't even realize their identity has been stolen until they are denied credit due to information provided on their credit reports.

2.  Don't give out personal information indiscriminately.  Before you give any personal information by mail, internet, or telephone, confirm you are dealing with a legitimate organization.

3.  Be careful with your mail.  Don't use an unsecured mailbox when mailing anything that contains financial information.  Mail sensitive materials from a post office collection box or your local post office.  Remove mail from your own mailbox promptly.  And, if you're planning to be away from your home, be sure to put a hold on your mail until you return.

4.  Guard your trash.  Identity thieves have been known to gather personal information from trash.  Before throwing them away, be sure to tear of shred your charge receipts, copies of credit applications, insurance forms, bank statements, and the credit card offers you get in the mail.

5.  Only give your Social Security Number when absolutely necessary.  There are legitimate reason you will be asked for your social security number.  Your employer and financial institution may need it for wage and tax reporting, and it's usually necessary whenever a credit check is required.  Before giving out your number, be sure to ask why it's needed and how it will be used.

6.  Pay attention to billing cycles.  If your bills don't arrive on time, follow up with creditors.  A missing statement could mean an identity thief has taken over your account and changed your billing address.

7.  Exercise caution online.  Before making any purchase via your computer, look for the icon of a lock in the lower right-hand corner of your browser window.  If it's there, you're dealing with a secure site.  If not, you'll be safer finding another merchant.

8.  Remove personal information from old computers.  If you delete sensitive files by using your keyboard mouse, the files may remain on your computer's hard drive where they can be easily retrieved.  To make sure your files are unrecoverable, use a "wipe" utility program to overwrite the entire hard drive.

Posted via email from bnice's posterous

Insurance does not have incentives to lower costs or improve quality | KevinMD.com

The real reason behind reform. Or so it seems, well it all revolves around money, but you already knew that. I think that health reform will be modified to some extent come this November and when it does we still face the problem that it is just too darn expensive. This article is one that I find will open the dialog of how we can cut the expense of health insurance. I have an idea...

Read full story here...

Any thoughts?

What Californians are Really Thinking

This is what I feel people are really thinking.  And even if they are not it makes for a great and valid point when it comes to Obamacare.  I only hope that November can solve these issues.

— 

Brandon Vincent
Alpine Agency
T: +843.532.8367 
F: +843.971.1813 
http://b-nice-intime.blogspot.com
Find me here too:

Posted via email from bnice's posterous

The Truth About Participating Whole Life

On June 4th 1963, a life insurance company issued a 29,000 participating whole life policy to a client name Joe at age 27.  It was then projected to accumulate 44,651 total cash value by age 73 based on the company's dividend scale.  Joe paid his annual premium of 527.22 every year for the past 46 years and the only withdrawal was 174.73 in dividend values which occurred April 1971.  On June 4th 2009, his annual policy statement read as shown:

Table One

Annual policy Statement as of 6-04-09

                    Death Benefit

                        Base policy death benefit                                         $29,000

                        Paid up additions death benefit                                 113,560

                        Total death benefit                                              $142,560

                    Cash Value

                         Guaranteed cash value                                            $20,494

                         Cash value of paid up adds.                                      92,552

                         Total cash value                                                  $113,046

                          Net premiums paid from

                          6-04-63 thru 6-04-09                                              $24,077

Was Joe's decision to purchase a whole life policy over 46 years ago a good decision?  Some consumers believe whole life is an obsolete product that pays poor return.

Why then do many critics of whole life support the buy term and invest the difference theory?  My thought is that the common belief that a good stock or mutual fund should outperform a whole life policy, has run its course. This is what everyone was saying and now those who had their money in the market have watched there life savings dwindle and no one knows where the bottom is now.

This is an idea that many rich have used for over 200 years.  Whole life has literally been around since our country's inception.  Now that the market has proven its unreliability, whole life is returning as more than a safe investment, but rather a high returning investment.

Now I cannot guarantee your policy's performance, but I can show you how these policies are able to perform so well when compared to other strategies like:

• Whole Life vs. bank CDs
• Whole Life vs. savings bonds
• Whole Life vs. Term Insurance + Invest
• Whole Life vs. Guaranteed UL
• Whole Life vs. UL + Invest
• Whole Life vs. Variable

Whole life insurance is one of the least understood forms of life insurance.  It is not an obsolete product nor a rip-off.  It can be the best type of insurance for some and if purchased at an early age and held long term, the true cost of coverage has proven to be less expensive than other types of insurance.

You can have your own illustration simply by emailing the address below.  Just give your date of birth, zip, and amount of coverage.  BrandonVincentua@gmail.com

To Tax or Not to Tax, that is the... JK it's Tax

Here is a link to the bait and switch tactic used to fool supporters of the Health Reform bill.  It seems that the penalty for not owning health insurance is not considered a tax until... the judge asks.

Read the full story here.

Man Sues Over Health Insurance Fine

Can you imagine being fined $2,000 for not having insurance?

A man in Massachusetts did.

I think there is more of this to come. Especially with the ratings this administration's getting. The public outcry over health reform is deafening. What's more is that there is no end in sight of the red tape being wrapped around the health care industry.

Let's just hope that this November's election can remedy the situation.

Read the full story here

InsureBlog: No Health Insurance? Man Sues Over Health Insurance Fine

Obamacare Chart

Download now or preview on posterous

Obamacare_Chart.pdf (889 KB)

I came across this chart and literally laughed out loud.  Am I the only one who feels overwhelmed about health care?  Well if it makes you feel any better I am focusing more on life insurance now.

— 

Brandon Vincent
Alpine Agency
T: +843.532.8367 
F: +843.971.1813 
http://b-nice-intime.blogspot.com
Find me here too:

Posted via email from bnice's posterous

Are They Getting the Point?

71% Oppose Obamacare

I think most everyone has an opinion about the matter and my issue with the whole matter isn't whether we should have it or not.  My issue is they aren't hearing us.  Most polls I read show a strong dislike in the Reform bill but the folks in Washington don't seem to be listening.  It seems as if they are turning a blind eye to what America wants.  

I haven't posted on politics lately because frankly, it literally makes me sick.  I have trouble sleeping at night after watching the news.  I just hope that the industry as a whole is not cut off at the knees.  There are a lot of people who depend on health insurance as it is and if the premiums go up and my commission's get cut, I won't be the only one frustrated.

Relax there is hope

There are other alternatives to individual health insurance.  My wife for instance will have to get group insurance through an employer's means.  Group should be great for the employee, and even employers are going to have an incentive to start off.  You can also look self insuring.  It may take some time to set up but the value of having your own system that pays for itself is invaluable.  See IBC for more details.

The one thing my boss keeps promoting is Identity Theft.  He seems to think that the market is untapped and I'm starting to come around myself.  I know there is a ton of information exposed and that we as professional Benefits Consultants are obligated to help protect it.  See Identity Theft for more details.

Times are different than when I was growing up.  There wasn't an internet, or cell phones, or social media.  This is all new and it is amazing to watch the times take off as fast as they are.  It makes one think about what could possibly be is store for us in the next 5 years.  Or 50.  See Life Insurance for more details.  LOL

Tuu ta loo.

— 

Brandon Vincent
Alpine Agency
T: +843.532.8367 
F: +843.971.1813 
http://b-nice-intime.blogspot.com
Find me here too:

Posted via email from bnice's posterous

Identity Theft Statistics

Identity Theft Statistics

As you will see in the info-graph above, identity theft is the fastest growing internet crime out there

Health Insurance Blog

I hear crazy stuff from people every week about what good a health insurance blog will do.  Well the biggest reason I promote my own health insurance blog is that it gets results.  I first started blogging about 2 years ago and when I did it was because I read a get rich quick article and started a blog.

I made one post and then stopped for a long time.  It wasn't until February of this year that I picked up the health insurance blog again, and even then I wasn't sure what to write about.  I was posting on every thing under the sun, like real estate, funny videos and articles, and even politics.  Lately I've been seeing the benefit in specializing in a niche on my blog.  Hence the recent change in this website.

Health Insurance Blog

The comments I've been receiving haven't all been roses and chocolates either.  In fact, my boss isn't very thrilled that this website is doing better than the advertising she's been spending on our website that's been in development for the past 3 months.  Some say that I'm wasting my time and that there is no known value in a website of this nature.

All I'm saying is that this health insurance blog has been getting moderately good results.  I have had several folks email and call about what kind of insurance would work for them.  We chat about their situation and discuss a method or plan out which type to purchase.  It's all very simple and when we've finished I have satisfied customer and it's all because they read a very simply put health insurance blog.

On top of all that the website itself is making money.  There are a couple of well designed and modified advertisements all over this page that when clicked generate income.  I have paid nothing for this site except for time and effort and energy, I'm getting paid and I'm producing prospects that turn into clients.  Not bad for free, huh.

My health insurance blog (and I do emphasize my) is a self sustained lead generating site that is all my own.  I do not think that there is an easier better way of do that.  It is work and it has taken a while to learn but I have only been doing this for several months and I'm already seeing profits.

Types of Life Insurance

It is hard to believe that the oldest form of insurance is the least common.  Life insurance has been around for hundreds of years where as health insurance came out within the last century.  The life insurance industry hasn't really changed with all the insurance reform discussion, and the types of insurance are unaffected as well.  I will discuss the basics of the differences of life insurance rather than get into all the boring details and spare you the classroom session.


The types of insurance can vary depending on what suits your lifestyle.  If you are looking to protect a particular period of time or want the cheapest form of life insurance then term would probably suit you.  And if you think you want reliable premiums and coverage that lasts your entire life then whole life would be your best bet.  


Here are 3 types of life insurance:

Term life insurance

1.  Term life insurance- This type of life insurance coverage guarantees a certain term like 5, 10 or 20 years.  The premiums stay the same and and the end of the term you may be qualified for more coverage but the premiums would go up.  During the term, if the policy lapses there is really nothing to show for it unless you added an optional benefit rider.  This is generally the least expensive form of insurance.


2.  Whole life insurance- This type of life insurance guarantees a death benefit for an entire life.  The premiums are set but are higher than term insurance.  This type of insurance also creates a cash value that the policy holder has access to and may take out loans if he/she likes.  Whole life is also known as permanent life insurance because can last for the policy holder's entire life.

3.  Universal life insurance- This type of life insurance is kind of a hybrid between the two.  It is a type of permanent life insurance based on a cash value. That is, the policy is established with the insurer where premium payments above the cost of insurance are credited to the cash value.  Payments are not needed every month however, the cash value could run out so it should be monitored as the policy ages.  There is also a variable universal life insurance which uses the stock market and can get very complicated.  Please see your life insurance professional for details.

And these are the 3 types of life insurance that you should be familiar with.  There are other types but most of them play off the three basic types that I mentioned here.  If you are interested in any of the insurance plans mentioned feel free to contact a life insurance professional for more information.

Small Business Tax Credit

One of the latest efforts to come out of the Health Care Reform Bill is the small business tax credit section.  What they have managed to do here is create a great incentive for businesses and give more motivation to allow employees an affordable health plan.

If you are a business owner and have less than 26 employees, and they average less than $50,000 annually, and the employer contributes 50% or more then your company is eligible for a small business tax credit up to 35%.  

This is one of the more highlighted features to come out of the health reform bill to date.  What the health department is trying to create here is a system of small businesses that can provide quality health coverage to its employees.  At first many business owners were complaining that insurance was just too expensive, but this small business tax credit really lightens the burden most owners face.

The small business tax credit is good for tax years 2010-2013, and the credit percentage is on the amount of the premiums the employer pays for its employees.  Now is the time to speak with your health professional to learn more about this great incentive.  You may contact the link here for more information.

small business tax credit

New Blog Facelift

I have been working very hard these past couple of days on a new website, and as of yesterday I am officially re-licensed as a Real Estate agent.  So the new website will be geared towards Real Estate and this website is going to be my Health and Life insurance site.  So I am in the process updating both sites accordingly.

The new site is www.brandonvincent.onlineaor.com

Tonight I felt something different

Tonight I felt something different.  I felt a weight break off.  I think I felt God.  I know He has always been there.  Knocking.  Tapping, just doing what he can to get my attention.  "I see you God, I just have to do this real quick, I'll be right back I promise". 

I hardly ever came back.  I was usually too busy, or so I told myself.  God would wait patiently, knocking.  But tonight I gave him my attention and the shame fell away.  The sin was forgiven, I felt it... passion.  It has been a re-occuring theme these past couple of days and it has been missing.  I kept telling Elizabeth, something is off.  I feel like something spiritual is attacking us.  I prayed a running prayer, you know one of those, "God this is inconvenient for me do something" prayers. Something was definitely side tracking us.

Elizabeth told me today she wanted to go to Fuel.  In my mind it sounded like we should go but immediately all of the excuses came as to why we shouldn't.  I was tired, we had a busy day tomorrow, its so far out of the way.  Its funny how little things become big things right before God does something big.

When we got there, I just had a good feeling, like God was going to meet us.  Normally I feel like Fuel isn't for me because its designed for the teenagers.  But tonight I put that behind me asked God to meet me.  He did.

Fuel had just got back from Forward conference and I knew they were going to be amped up on that trip.  I wanted what they had.  I craved it, and could smell a sense of purpose.  God was tapping and all the while I was slowly turning towards Him.  Giving Him my attention now.  Responding.  Here I am Lord.  I felt His passion, not just for myself but for all those kids in the room with me.  They need Him.  They want Him.  And there are many out there who don't know Him.  I know Him and how thankful I am that I do.

God you have given me a family that knows you and I know there are people out there who are not as fortunate.  I am available if you want to use me to help them though I don't know how to help.

Health Insurance For Kids

I get asked about health insurance for kids a lot and one of the main responses I give to customers is there is a wonderful option.  That option is BlueChoice for Kids.  This plan differs from BlueCross's individual plans where BlueChoice offers plans for individuals age 6 weeks to age 29.  Plans starting as low as 63.25 a month!

Health Insurance for Kids

This is a wonderful option for young adults as well.  Ages 19-29 need secure and reliable coverage now more than ever.  Where health insurance for kids leaves off, this picks right up for young adults.  All plans have low office visit copayments and tons of extras!

They even have low premiums and deductibles, prescription drug card, emergency care, annual eye exam and limited dental benefits.  If you need a quote just click here and let me know.  If you have children this is a great way to insure them and chances are it will be less than a family plan.  Health insurance for kids doesn't have to be complicated.

Health Insurance Gang

Here are the newest photos of the associates of the Alpine Agency. These were taken at Samos greek restaurant last week. They turned out pretty good. We should be using these to spice up our up and coming website.

Mt Pleasant Health Insurance

Here is Judy, Madeline, me, Julie and Crawford

Mt Pleasant Health Insurance

The image quality of this one didn't transfer too well.  It looks a lot better on our Facebook page.

Mt Pleasant Health Insurance

Same with this one.

Mt Pleasant Health Insurance

As you can see we color coordinated and we didn't even plan that.

Mt Pleasant Health Insurance

My lovely wife, my baby Zoe and myself.  She just happened to be there and I might use this as a bio on the website.

Mt Pleasant Health Insurance

The whole gang!

Check out all the photos in better quality at our Facebook page.  We should also be updating our website with these photos here.

New Alpine Agency Video

Health Insurance Companies are Reform Proof

Here is the parent company of Carolina Care Plan (Medical Mutual of Ohio). What they claim is that they are Health Care Reform proof and evidence of that is that they do not answer to stockholder's and therefore the bottom line is not the deciding factor. 

I personally like that approach and I think more companies should use it. Mutually owned insurance companies will have an added benefit here and I think we will see them rise above the others in the coming years. 

Here is the link to there latest news release.

https://east.exch021.serverdata.net/owa/ev.owa?ns=WebReady&ev=GetFile&canary=ef2a35c38b1049f89c14ee11360641a4&d=85-BD-40-62-5C-F0-C3-03-18-97-55-32-0D-44-CF-45&fileName=1_0001.jpg

But don't take my word for it, do your own homework.

— 

Brandon Vincent
Alpine Agency

T: +843.532.8367 
F: +843.971.1813 
http://b-nice-intime.blogspot.com
Find me here too:

Posted via email from bnice's posterous

Purchase Life Insurance

What I find a lot of other folks asking right now is should I purchase life insurance?  And the answer most assuredly is yes!  Of course you should purchase life insurance.  One of the most effective ways to answer for high health care coverage is by getting an easy life insurance plan.  Now most folks my age are not that interested in life insurance because I guess they believe they will live for ever.

You may be able to get a 20 year term policy right now for as little as 10 dollars a month.  That is pretty inexpensive so you have no reason not to Purchase Life Insurance.  There is no reason not to have a policy on yourself to protect your wife, kids and other loved ones in case the worst should happen to you.

I just recently took out a policy on myself for my wife in the circumstance that something should befall myself, she will be the beneficiary of 50,000 dollars.  The younger you are the cheaper insurance will be so think about it now.  Call me for a quote and Go Purchase Life Insurance.

Temporary Health Insurance Coverage

One of the ways to avoid the high cost of health insurance coverage, is by getting temporary health insurance coverage.  My wife is a perfect example of this.  She, for some strange reason, isn't able to get health coverage from the dominant companies but we are in a transition period right now.  You see she was on a group plan, and since changing jobs she hasn't been able to get on another group plan with her new job.


We tried several times to get individual coverage with BlueCross and Carolina Care, but neither would accept her.  So now what we are doing is temporary health insurance coverage with Assurant Health insurance.  It is less expensive than an individual plan but it only lasts for 6 months.  My wife likes to call it train-wreck insurance although it works just like an individual plan.


It works out great because we do plan on getting her on a group plan with her job at some point in the near future but if she were to get into an accident or something tragic were to happen, then we'd have something to rely on.  I am excited to find temporary health insurance coverage option available to us.  Let me know if you have a need for temporary health insurance coverage.