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In NY there is freelancers unions and other ways to get affordable health insurance. anything similar in SoCal

Thu, 01 Sep 2011 10:33:18 +0000

I want to start freelancing but learned that health insurance will cost me $1400/month. Anything creative I can do? Any unions or groups I can join in SoCal?
Need PPO.

In what ways does buying a car affect auto insurance premiums?

Sun, 21 Aug 2011 10:37:13 +0000

I’m looking at buying or leasing a new car and am wondering how that’ll affect my auto insurance premium. Also, which features in a new car affect the premium. I’ve heard about red paint and sports cars causing higher premiums, but are there any other factors?

Long-Term Care Insurance Ways to Save

Sat, 26 Mar 2011 10:44:49 +0000

Long-Term Care Insurance save on long term health care insurance. Tips to reduce cost from Long-Term Care Insurance industry trade association.

Cheap Auto Insurance: 5 Ways to Save Money Now

Wed, 02 Mar 2011 10:47:48 +0000

www.insweb.com By following just a few simple tips, you can find cheap auto insurance from a respected, reliable provider and start saving money today.

Simple Ways to Cut Your Long-Term Care Insurance Premiums

Sat, 20 Nov 2010 10:44:34 +0000

Simple Ways to Cut Your Long-Term Care Insurance Premiums

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Home Page > Finance > Insurance > Simple Ways to Cut Your Long-Term Care Insurance Premiums

Simple Ways to Cut Your Long-Term Care Insurance Premiums

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Posted: Aug 08, 2010 |Comments: 0

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Simple Ways to Cut Your Long-Term Care Insurance Premiums

By: christine

About the Author

Need more information on how to save from long term care insurance premiums? Visit http://www.completelongtermcare.com and read articles on long term care for baby boomers. Compare prices and get quotes from top LTC insurance providers!

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Article Source: http://www.articlesbase.com/ – Simple Ways to Cut Your Long-Term Care Insurance Premiums

Long term care insurance is a serious investment that entails time and planning. Premiums may be costly, but it is more practical to purchase LTC insurance than resort to paying out-of-pocket expenses. Good news is you can get discounts and save from premiums in these easy steps:

Good Health Equates to Great Savings
If you have good health history, you can expect for less premiums on your long term care insurance. Insurance companies typically deduct 10 percent on a person with untarnished medical records. The discount is locked in, meaning the discount remains the same despite of the change in your health condition. This is beneficial, though, since your health changes as you age.

The American Association for Long Term Care Insurance conducted a study in 2008 and found out that younger applicants qualify for health discounts. It’s pretty obvious that the younger you are (probably in your 50s), the greater benefits you’ll receive.

Spousal Discounts
Insurance companies offer discounts to married and cohabitating couples. Married couples may save from 15% to 40% per year, but the discounts really vary on the private insurer and both individuals should purchase a policy first before qualifying for discounts.
Meanwhile, some companies may still offer discounts even if only one couple buys the policy, but, oftentimes, the one who purchases the coverage is insurable. Some companies give discounts to domestic partners or individuals in committed relationships.

Longer Elimination Period

The longer the elimination period means the lower annual premiums will be. Normally, you will need less long-term care during the first period or months, and the costs are far better than prices of the care you’ll be receiving in the next few months or years. During those initial time periods, you may ask help from a family member or community to keep up those needs, Most people can afford the first three months or 90 days, and Medicare or HMO’s may pay all or a portion of these expenses. If you opt for longer deductibles, your premiums will lower significantly.

Buy LTC Policy Early

The benefits of premiums depend largely on the age of the policyholder. Also, the premiums increase as you age; so the earlier you buy a long term care policy means the lower your cumulative insurance premiums will be.

Many people are hesitant to buy LTC early because they thought they would need it in their late 70s or 80s. They tend to lose the benefits waiting for them because they let the oppotunity passed on. It’s important take advantage of your younger age to buy a policy and enjoy the awaiting benefits.

Group Discounts

If your company offers long term care insurance, you may qualify for discounts as yo get included in the group coverage. Always ask your employer/company about the long term care insurance coverage, However, be wary that group policies may have less benefits or non-standard qualification critera. So, it’s still better to purchase your personal LTC insurance policy.

However, if you are an executive or business owner, you may provide long term care insurance to employees, with given benefits on your part. The so-called “exceutive carve-out” policies are similar to individual policies, but these policies have 10% to 15% discounts with lenient underwriting requirements.

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Article Tags:
long term care for baby boomers, long term care insurance premiums, ltci

Being a new life insurance agent, what are ideal ways to enhance portfolio of life insurance customers?

Sun, 04 Apr 2010 10:41:51 +0000

One year down the line in life insurance business, I feel lack of custmers affecting my growth. I’d like to grow my portfolio of customers using new ways to market myself. Till now I have used friends and relatives and past customer base as my target audience. How do I target the strangers market and how do I productively segment it.

Cheap Auto Insurance – Tips and Ways to Get It!

Sun, 13 Dec 2009 11:20:32 +0000

How many of us actually know the ways to get cheap auto insurance? Seriously, majority of us might not even know that cheap auto insurance actually exists! We have been depending on insurance agents to recommend and advise us when we are purchasing our auto policy. Obviously, the agents are the ones who know best about insurance, but they are also interested in making more profit and getting higher commissions. Therefore, we could not blame them if they are trying to talk us into getting expensive policies.

What we can do is to shop around and compare prices between companies before we take up policies with any of the companies. The rates between the companies can vary a lot depending on their profitability and other issues. Try to get several quotes from different companies in advance and compare them in terms of coverage and price. You should always choose the company which is able to offer you low rates with sufficient protection. There are also sites which enable vehicle owners to determine the best cheap auto insurance available in the market easily.

Next, we should always try to make our car as safe as we can. This will not only protect us and our car from accidents and damages, it would also help us to obtain cheap auto insurance. Protected cars have lower risks of getting damaged or stolen, hence lowering the possibility of the car owner to file claims. Therefore, we can consider fitting in some safety features like automatic seatbelts and steering wheel locks.

Besides that, we should not be shy to ask for discounts for our policy. Insurance companies usually do not voluntarily offer discounts to us if we do not ask for them. There are actually many types of discounts available. For example, there are discounts for good grades if you are a student, and also discounts for senior citizens if you have reached the age of 55. These discounts might not be a lot sometimes, but they would definitely help us to lower the cost of our auto insurance in the long run.

Lastly, we should always remind ourselves to drive carefully. Good driving record is a very important determinant when it comes to obtaining cheap auto insurance. No matter how adequate our cars are equipped with safety features, we would still be charged with very high rates if we have very bad driving records over the years. This is because we are directly raising our chances to get into accidents when we drive recklessly. Therefore, if we want to get cheap auto insurance badly, we should always try to maintain an excellent driving record. Your opportunity to learn more about secret tips to get cheap auto insurance has finally arrived!

There are still many ways to get cheap auto insurance quote. The key point is whether you are committed enough to find out the ways to lower rates. One of the easiest things that you can do is to visit my website. There are many tips and tricks available there for you to get the best deal of cheap auto insurance in town!

Go to http://www.cheap-car-insurance-tips.com, read all our recommended tips on how to get the cheapest auto insurance and start saving money now! There are many tips available, and you are sure to get some which suit your needs! Do not hesitate or you might regret in the future!

Cheap Long Term Care Insurance: 9 Ways to Cut Expenses

Thu, 19 Nov 2009 10:46:56 +0000

1. Buy a group policy through your employer.

Since it is a group policy that is subsidized by your employer, the premium will be lower that if you purchased an individual policy.2. Apply for coverage before your next birthday.

Since your premium is based on your “issue age”, the age you are when you apply for coverage, each year you wait your cost will increase by 8% to 12%.

3. Apply for coverage with your spouse.

This Joint or Shared Benefits Policy provides more flexibility in using your combined benefits and can lead to a Spouse/Partner discount of up to 25%

4. Take advantage of good health discounts.

By applying for coverage before you have health issues, you could receive a “Healthy Person” discount of between 5% and 25%. Even if your health deteriorates in the future, you will retain your “Healthy Person” discount for the rest of your life.

5. Take advantage of tax deductions.

Under current Internal Revenue Service (IRS) guidelines, premiums on tax-qualified long term care policies are considered medical expenses. If your total medical expenses exceed 7.5% of your adjusted gross income, you may be able to deduct the premiums on Schedule A. If you are a business owner, you can deduct all of the premiums for long-term-care insurance even if you do not you itemize.

6. Lower your daily benefit.

Lowering your daily benefit by 20% may result in a 20% lower premium.

7. Select a longer elimination period.

This is the amount of time that you pay out of pocket before the policy starts to pay. Increasing your elimination period from 0 to 90 days can save you up to 15% per year in premiums.

8. Make fewer Premium Payments

You can save 8% a year by making one lump sum payment instead of paying monthly or quarterly.

9. Get several quotes for long term care policies.

Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around.

Get free quotes for long term care insurance at http://www.howtocutexpenses.com

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success. For more money-saving tips, go to http://www.howtocutexpenses.com.

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success. Visit Vernon at http://www.howtocutyourexpenses.com

Simplified Ways of Applying for Automobile Insurance Quotes

Thu, 19 Nov 2009 10:37:55 +0000

When going through the process of searching for cheap automotive insurance quote, there is an easy process that you can go through online that will assist you in finding the right company for your needs. When looking online for car insurance, there are many ways you can go about getting the quotes you want. As I mentioned above, you can use a comparison website that will allow you to receive different quotes from different companies at the same time and you are only required to enter your details once. If you would prefer not to use this type of service, you can go to each website of the insurance company that you want a quote from and fill out their individual forms to receive your quote. This process allows you to choose all the companies that you receive the quotes from.

Receiving Automobile Insurance Quotes Online

Once you have decided which way you want to receive your direct auto insurance quotes online, there are some things to keep in mind. When going to individual websites to ask for quotes, make sure that you enter the same details about yourself on each form. This will help ensure that you receive accurate quotes on the same amount of coverage from each company. You will need to make sure you are honest about your driving history and credit report, as if you are not, this will come out eventually and cause an increase in the amounts you were quoted. The insurance companies will verify this information. There is no way to get around this.

When you are using the online portion of an general auto insurance company, you always have the option of calling their main number to speak with someone to get all your questions answered. If you have doubts or any type of question, it is important to contact them to clear it up. Some auto insurance companies will offer online chat to an insurance agent. This can be helpful when looking for insurance as you can get your questions answered or get help walking through the detail process of the form. The main page of the site should tell you if they offer online chat and if it is available at that moment in time or not.

Willie James is a car insurance expert of CAR INSURANCE NEWS agency. His job is to analyze online auto insurance company’s information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobby is styding a psychodelic plants like Salvia Divinorum (Shalfey) other entheogens and exotic plants.